Maitiro Asingabatsiri Anokwanisa Kuita Kuti Vapei Vave Vakachengeteka Nokudzivirira Chikwere Chekubiridzira

Nzira Yokutora Kushandira Nhasi Kubatsira Vanopa Kudzivisa Kadhi Kwenhema Kunyengera

Zvinopera pasina kutaura kuti zvipo simba risina maturo. Pasina ivo, sangano rako raisazokwanisa kushanda. Nokuda kwechikonzero ichi, zvakakosha kuswedera kuyananisira kuunganidza nzira, kunyanya paunenge uchiunganidza zvipo izvi paIndaneti .

Sekusina ruzivo, sangano rako rinofanira kutora matanho ekuzvidzivirira pachedu kubva pakuchengeta kadhi rechikwereti. Kunyangwe iri kuchengetedza dheinu yevadzidzisi vako kana kutora matanho ekudzivisa kupesana kunotarisa sangano rako, ibasa rako kuti uone kuti nzira dzekuchengetedza dziripo.

Muchikamu chino, tichakurukura:

• Zvipo zvinowanzovhiringidza zvisingabatsiri.
• Nzira dzekudzivirira kukwereta kadhi rechikwereti.
• Kusarudza purogiramu yekubhadhara yakavimbika.

Wakagadzirira kudzidza zvakawanda nezvekudzivirira sangano rako nevaridzi vako kubva kune uori? Hezvino izvo zvaunoda kuziva.

1. Nyaya Dzakabhadhara Dhiyabhorosi

Kunyange zvazvo iwe ungafunga kuti iwe usina maturo zvakasiyana nebhizimisi , kana zvasvika pakubvuma zvipo nekugadzirisa mari iyo, sangano rako rinosangana nehuwandu hwakafanana hwehutsotsi hwekambani sekambani yebatsiri.

Kutora ruzivo rwekadhi rechikwereti rwevanhu kuchakuzarura iwe kuti uitwe nevanokuvadza, scam artists, uye vanoziva mavhavha, uye hazvina hanya nevanyengeri kuti iwe uri sangano rinokubatsira. Ichokwadi, kusina purofiti kunowanzotarisirwa zvakananga nokuti dzimwe nguva vanorega kubhadhara kuchengetedzwa kwekubhadhara mabhizimisi anoshandisa sechimiro chechipiri.

Ngatimbokurukurai maitiro maviri anowanzobatwa neasina maturo.

ICH chekunyengedza: Zvakawanda, zvisingabatsiri zvinokurudzira vabatsiri kupa neACH (automated clearing house). Izvo zvinonziwo kubhadhara kubhadhara mari, ACH zvikwereti ndezvimwe zvinotsiviwa nemari yekubhadhara kadhi rechikwereti iyo inobvisa mari zvakananga kubva kumabhengi ebhangi romumwe munhu.

Heano zvikonzero zvishomanana nei kusina zvinyorwa zvingave zvichida mari yeACH kubva kune vaipa:

• Musoro wepamusoro. Iko kune mari shoma inobatanidzwa nekugadzirisa zvikwereti zveACH kupfuura pane kubhadhara kadhi rechikwereti. Paunenge uchifambisa mutengo weACH, sangano rako rinotora mari imwe chete. Paunopa nekadhi rechikwereti, iwe unokweretwa mari yakadzika uye peresenti yekutengeserana, izvo zvese zvinoshandiswa zvichienderana nemhando yekadhi rechikwereti rinoshandiswa.
• Kunaka. Zvose zvaunoda kuti uite mutero weACH ndeyomunhu webhangi rekufambisa nhamba. Munenge munhu wese ane bhadha yebhangi, asi havasi vanhu vose vanoshandisa chikwereti kana madhidhi kadi. Paunokumbira zvipo, zvinokosha kukwidza kune vakawanda vanogona kupa vapeki sezvazvinogona, saka zvinonzwisisika kubvuma kubhadhara nemutauro wevanhu vakawanda vanogona kushandisa.
• Zvipo zvekare zvakare. IACH zvikwereti zvinonyanya kufarirwa nevasina maturo nokuti zvinogona kushandiswa nyore nyore kugadzirisa purogiramu yemipiro inowanzoitika . Nemhaka yepamusoro yavo yepamusoro nekugadzirisa kwakanaka, vazhinji vasina nherero zvino vari kukurudzira vatsigiri vanoramba vachipa kupa neACH zvikwereti.

Zvisinei, nokuti kusina purogiramu kuri kuwedzera kushandiswa kweACH zvipo zvekugadzirisa mari , vanhu vanonyadzisa vakatora zvinyorwa. Vanyengeri vanogona kuba mari yebhengi yekufambisa nhamba kuburikidza nekuredza hove kana kushandiswa kwemashoko. Izvi ndizvo zvinoshandiswa nechembere:

1. Chokutanga, ivo vachaita mhiko huru vachishandisa nhamba yakabiwa yenhamba.
2. Zuva rakatevera, vachasangana nesangano rako uye vanomiririra kuti chipo chacho chakanga chakakanganisa. Somuenzaniso, vangati vaida kupa $ 10.00 asi vakanganisa kunyora $ 1000.00, kana vanoti havana kupa mvumo zvachose.
3. Mushure mekutaura kwavo, vachakumbira kudzorera kune kadhi rechikwereti kana cheki.
4. Zvadaro, vachataurawo nebhangi inobatanidzwa nenhamba yekutsvaga uye inotaura kuti vasina purogiramu vakasiya mvumo isina mvumo, vachikumbira kubhadharwa.

Iye zvino vakawedzera kaviri kuwanda kwemari yekubhadhara. Nemhaka yokuti inogona kubhadhara kudzoka kwakadaro, kusakundidzira ACH scamming yakave yakakurumbira kune mbavha dzedenga, uye iwe unofanirwa kuzvicherechedza paunodzivirira sangano rako pakurwisana nenhema.

Mipiro inoumba unyengeri: Uhu uhwu hwekubata paIndaneti inonyanya kutsvaga kusingabatsiri. Vakawanda vanoshora kushandisa michina yepaInternet mafomu kuedza nhamba dzenhenda dzekadhi rechikwereti. Nokuti vamwe vasina ruzivo vanoda kushandiswa kwekushandiswa pamusoro pekuchengetedzwa kwekuchengetedza kwekuchengetedza kwekuchengetedza apo pavakasika mafomu emipiro, vanoita kuti zvive nyore kune mbavha dzinoda kuedza nhamba dzakawanda dzakabiwa munguva inokurumidza kutevera.

Saizvozvowo neACH chekubiridzira, fomu yekupa rusununguko inosanganisira kukumbira kubhadharwa kwezvipo zvenhema zvakaitwa ne scammer. Iko inowanzoita seyiyi:

1. Chokutanga, mbavha dzinoshandisa fomu yako yezvipo kuti uone kuti nhamba yekadhi yakabba ndeyechokwadi. Vanogona kuedza zvipo zviduku zvishoma kushandisa makadhi akasiyana; kamwe kana munhu achipfuura, vanoziva kuti vanogona kuishandisa kuti vapedze tsvina yavo. Iyi nzira inozivikanwa sekadhi yekudonha.
2. Zvadaro, ivo vachaita mhiko yechipfupa uye vanokumbira kudzorera nenzira imwecheteyo chechichato cheACH chichati.

Chinonyanyosiyanisa zvipo zvekubiridzira kubva kuACH kunyengedza ndezvokuti zviri nyore kuona zvisati zvamboitika, asi zvinogona kukudhura zvakanyanya kana mbavha inopinda mumakorokera. Mushure mekudzorera kwekubhadharwa kuri kuitwa, iwe ucharohwa nemari yekubhadhara mari apo bhanhire rinoziva kuti mutengesi wakanga uri hutsinye.

2. Nzira Dzokudzivirira Chikwere Chekubiridzira

Kunyange mbavha dzinogona kutarisa kusakundikana kwako kwekubhadhara ufeve, izvo hazvirevi kuti unofanirwa kunge uri dha rakagara. Pane zviyero zvaunogona kutora kuti urege kuva mhirizhonga, uye, kana iwe ukatora kuchengeteka zvakanyanyisa, iwe uchadzivirira sangano rako nevanopa vako.

Heano maitiro mashomanana ekudzivirira mavha kubva pakukugadzirisa.

Ita kuti vatsigiri vave nekugona kwekadhi ravari kushandisa. Vazhinji kadhi rechikwereti vane mbavha havawani kadhi rechikwereti vane nhamba yavakaba. Kunyange zvakadaro vakawana nhamba yekadhi, kakawanda kupfuura kwete, havazivi zvishoma nezvekadhi kadiki kana kadhi ravo. Nokuda kwechikonzero ichi, sangano rako rinowanzochera zvipo zvekubiridzira nekuita kuti zvive nyore kushandisa kadhi manhamba zvisina kukodzera:

• CVV2 kuvimbiswa. Kadhi kadhi CVV2 nhamba pfupi yakawanikwa pamusana pekadhi kadhikiti. Inoda kuti vapei vepaIndaneti vape nhamba iyi pavanopinda mazita avo, uye iwe ungangobvisa vanyengeri vasina kuwana kero.
• Tsanangudzo yepamusoro (AVS). AVS inopupurira kero yekubhadhara yomubatsiri nekero bhangi rake rine faira. Izvi zvinogona kuitwa mumasekondi, uye kana mbavha isingazivi kero yakakodzera, haazokwanisa kuenderera mberi nechokuita.

Ziva kuti chidziro chekadhi chii. Imwe nzira yekuita kuti zvive zvakaoma pakutsvaga kutora sangano rako nekubudirira ndeyekuda kuti vatsigiri vaone kuti vanozivikanwa sei vasati vapedzisa mutengesi. Heano matanho mashomanana aunogona kutora kuti uone huzivi hwomubatsiri:

• BIN / IP kero rekusimbisa. Inowanikwa mune imwe nhamba yekadhi ndeye ruzivo runoratidza bhengi remakadhi, inonzi Bank ID Number (BIN). Paunenge uchigadzira mhizha, fanisa vatsigiri vako vemadhorosi eIndaneti yepaIndaneti maererano neBIN yavo. Kana vari kupa chipo chavo kubva kune imwe nyika pane IP address yavo, iyi inogona kunge iri mutsvuku.
• 2-factor kuvimbisa. Iwe unogonawo kusimbisa chipo cheunopa kushandisa uchishandisa 2-factor verification process. Usati wapedza mupiro, mushandisi achafanirwa kusimbisa huzivi hwavo kuburikidza neSMS kana imwe nzvimbo yekukurukura.

Ita fomu yako yepapiro yakawanda zvikuru. Vakawanda vasina nherera vanonyadzisa kushandisa michina yakawanda yezvipo paIndaneti nokuti havadi kuita kuti zvive zvakaoma kudarika zvavanofanira kupa vanopa kupa mhiko. Zvisinei, iyo iri nyore nyore fomu yako yezvipo, iyo inowanzoshandiswa nevanoshungurudza. Iwe unogona kuita fomu yako yezvipo ive yakachengeteka zvikuru nekushandisa nzira idzi mbiri:

• Anoda zvishoma kudhura mutengo. Kuti udzivise kubhadhara mari dzekubiridzira, iwe unogona kutora mari shoma yemupiro asati wapedza mutengesi. Izvi zvingaratidzika kunge zvisinganzwisisiki, asi vazhinji vanowanzopa zvipo zvinopfuura $ 15 kana vachipa. Kana iwe usingagamuchiri zvipo zviduku , iwe haungasaruri pane zvakawanda.
• Shandisa encryption / tokenization. Nekinyorwa uye kubhengetwa, ruzivo rwekubhadhara kwevabhadhara runoshandurwa kuva code iyo chete mushandi wekubhadhara wako anogona kuverenga. Kana mbavha dzichinyora deta yako, havazokwanisi kubvisa ruzivo rwemupi.

Cherechedza: maitiro ekudzivirira uye maitiro ekudzivirira anochinja nekukurumidza kupikisa kufambira mberi kwakaitwa ne-online scammers. Usazvigutsikana iwe chete nekuti ndezvipi zvidziviriro zvinoshanda zvino iye zvino. Funga nezvekunyengedzwa kuchengetedzwa sechinhu chinoramba chichigadziriswa iwe unogona kugadzirisa nguva dzose.

3. Sarudza Mutengo Wakawanikwa Wakavimbika

Iye zvino zvaunonyanya kuziva nezvemhando dzekubiridzira dzinotyisa shamwari yako isingabatsiri inogona kutarisana uye kuti ungadzivirira sei unyengeri kubva kuitika, pane chimwe chinhu chimwe chaunoda kuziva: kuti ungasarudza seiko chekubhadhara chekugadzirisa.

Payment processors iri paIndaneti mapurisa anobatsira kutengesa. Kana sangano rako rasati raunganidza zvipo paIndaneti, iwe zvechokwadi une rimwe. Zvisinei, kana iwe usingagamuchiri zvipo pamutambo ikozvino, kana kana iwe usina chokwadi chepuratifomu iwe unoshandisa zvakanaka, zvinogara zvichibatsira kufunga nezvekutarisa mumutambo wekubhadhara wakatendeka.

Sezvo iwe uchinyatsotarisisa chero ipi zvayo software yako isingabatsiri inoshandisa, unofanirwa kuziva zvaunotarisira kubva pane yako yekubhadhara processor. Heano mamwe ematambudziko anokosha ekuchengetedza utsotsi unofanirwa kutarisa mumutambo wokubhadhara:

• PCI kutevedzera. Kuteerera kweCPI kunoreva sepa Payment Card Industry kuchengetedza mitemo iyo vese vese vanoratidzira kubhadhara mari inofanira kusangana. Kana mushandi wako wekubhadhara asingakwanisi kugadzirisa mitemo iyi, zvose sangano rako uye chikwata chinogona kutarisana nezvikwereti zvakakura uye mutoro wemhosva.
• Dhiyabhorosi inoshandiswa. Chero chero dhesi yako nzvimbo yako inoponesa yako isingabatsiri uye vapei vako inofanira kunge inoshandiswa, zvichireva kuti iwe unokwanisa kukwira dhidhiro yako kune imwe nzvimbo yepamusoro kana ukasarudza kubva. Iwe hausi kuda kubatwa nechisimba kunzvimbo yaunogona kubuda, kana kuti kurasikirwa nedheta rako rose kana chikwata chacho chikarambidzwa.
• Dzose-awa-kuchengetedzwa rubatsiro. Nzvimbo yako yepamusoro inofanira kutsigira 24/7 rubatsiro rwekuchengeteka iwe unogona kuvimba kana chiedza chekubiridzira chakaitwa pane yako yepaiti. Iwe unogona kuisa mberi zvose zvigadziro zvekuchengetedza munyika, asi kana iwe usina kambani yakatsaurirwa kugadzirisa nyaya pavanomuka, iwe uchave uchinetseka nekubiridzira.
• Vane ruzivo nevasina purofiti. Chiitiko nevasina purofiti ndiyo inonyanya kukosha yekutsvaga pakusarudza purogiramu yekubhadhara. Sezvakakurukurwa kare, kusina purogiramu kunowanzosvibiswa nekunyengedzera kweInternet, uye mushandi wako wekubhadhara anofanira kunge achiziva zvekutyisidzira kwesangano rako rinotarisana naro.

Unoda kuvhiringidza pakubhadhara kushandiswa? Tarisa mutungamiri uyu kuti uone zvakakwana.

Courtney Nielsen ndiye mutungamiri wehukama naye paIATS Payments. Munguva yehupenyu hwake hukuru paIATS, ave neropafadzo yekumira pamberi pekukurumidza kushandura mari yezvigadzirwa zvemakambani uye kuona zvipingamupinyi zvisangano zvisingabatsiri zvinosangana zuva rega rega. Courtney inobatsira kusingabatsiri kuwana mhinduro dzenguva refu uye kubudirira.