Kutengesa Mitero pa Premium Credit Cards yakaipisisa
ICanada Federation ye Independent Business (CFIB) yakaisa pamwe kadhi yemari yekwereti chati inonyora akawanda emhando dzemhando dzekwereti dziripo kuCanada.
Kutarisa pane zvinyorwa iwe uchaona, somuenzaniso, kuti mutero wekutengesa wakapa mutengesi kana mutengi achishandisa MasterCard nguva dzose ari 1.75 muzana, asi kana mutengi anoshandisa MasterCard Premium High Spend kadi, mutengo wekutengesa uri 2.71 muzana. Mamwe MasterCards mu World / World Elite category anotakura mari yakakwirira yekutengesa.
Kune bhizinesi duku raitora $ 100,000 rinokosha rekutengesa kadhi rechikwereti mwedzi wega wega, .96 mazana ega ega akatengeswa pamakambani ekutanga kwekadhi yaizobhadhara imwe $ 960 pamwedzi, imwe $ 11 520 pagore. Ndakashandisa MasterCard mazinga semuenzaniso asi ndinogona kunge ndakatora Visa nyore nyore; Visa mutengo wekutengesa inotevera mhando imwechete yemakadhi ekutanga ari kushandiswa kubvisa mari yepamusoro yekubhadhara kubva kune vatengesi.
Uye makambani okukweretesa ave ari kubudisa purogiramu yemakadhi ekutanga. "Kune nhamba yakawanda yemakadhi pamusika nhasi muCanada, ine makadhi anopfuura 200 eCasterCard neVisa pataiti yedu chati chete," anodaro Dan Kelly, purezidhendi uye CEO weCFIB.
The CFIB Lobbies for Change
ICanada Federation of Independent Business (CFIB) yakatanga mushandirapamwe wayo pamusoro pemari yakakwirira yeCanada yechikwereti chekubhadhara mari yechikwereti munaNovember 2008 uye yakabatsira pakudzika Mutemo weKufambisa kweChechi uye Debit Card Industry muCanada yakatanga kushanda August 17, 2010.
Zvisinei, kunyange zvazvo vane Code iyo zvose MasterCard neVisa vakabvuma kutevera chakanga chiri chinhu chakanaka, dambudziko rekubhadhara mari yakawanda pamusoro pekubhadharwa kwekadhi yemarikiti yakaramba iripo, uye CFIB yakaramba ichibvumirana, ichikumbira kuchinjwa kweChwaro ichi:
- bvumira vatengesi kuti vagamuchire makadhi ekudhura kubva pasi rimwe chete kunze kwekudiwa kuti vabvume makadhi ekutanga 'premium' kana kuti kubhadharwa kubvuma mari yakakwirira mari.
- vane mari yakakwirira yekwereti yemakadhi inotarisirwa kuve yakarongeka se "premium" sezvo vashandi vakawanda vachiri vasingazivi kuti mamwe makadhi emakwereti anotengesa mari yakawanda yevatengesi.
- kuwedzera mitemo pamusoro pekubhadhara mafaira uye nyaya dzakabatana nekugadzirisa.
Muna 2012, Competition Bureau yeCanada yakatora Visa uye MasterCard kutongesa kudarika pamusoro uye kukudza-zvose-makadhi mitemo.
The Case Before The Competition Tribunal
The Competition Tribunal "inonyanya kushamwaridzana iyo inoshanda musingatenderwi nedhipatimendi rehurumende" inonzwa nyaya dzinobata nyaya dzezvematongerwe enyika uye dzebhizimisi sekubatana, kutsausa kushambadzira uye kushandiswa kwekutengeserana (kana, mune mamwe mashoko, nyaya dzinobata nyaya dzinobva kune Mutsigiri weMitemo).
(Cherechedza kuti Competition Tribunal inoparadzaniswa neCompetition Bureau iyo inhengo yezvokuchengetedza iyo inosimbisa Mutemo Wemitambo.
Bhizimisi Bhizimisi ndiro sangano rinotsvaga zvikwangwani uye rinotumira kuti rinzwike neCompetition Tribunal kana zvichidikanwa.)
Nharo pamberi peCompetition Tribunal yaiva iyo Visa na MasterCard vakanga vachiita mukurwisana nemakwikwi uye zvibvumirano zvavo zvisingabvumirwi zvakabvumira kuti makambani maviri ekadhi rechikwereti aite zvinyorwa kune vatengesi (iyo nharo inenge isinganzwisisiki kwandiri kana iwe uchifunga kuti Visa uye MasterCard vakaita zvikamu 92 muzana yeCanada credit card market, vachitarisira madhora 322 mabhiriyoni ekutengesa kadhi rechikwereti muna 2011).
Aya mazwi akabvumira Visa uye MasterCard kuti vabhadhara mari yekutengesa yepamusoro pezvikamu zvitatu mune zvimwe zviitiko, mari iyo, maererano neCompetition Bureau, yaiva pakati pepamusoro-soro munyika yose uye inokwana madhora mabhiriyoni mashanu emakirini emakadhi echikwereti gore negore.
Wile muChitetition Tribunal hauna simba rekubhadhara mutongo wemari pamusoro pezvikwereti zviviri zvekadhi rechikwereti zvinogona kuvamanikidza kuti vachinje maitiro avo ekushanda. Bhizimisi Bhizimisi vaida kuti vatengesi vave vakakwanisa kuita zvinhu zviviri zvavasina kubvumirwa kuita:
- vanoramba kubvuma mari yakakura yemakadhi asi vachiri kugamuchira vamwe kubva kune rimwe zita rechikwereti.
- wedzera pamusoro pezvikwereti kuti udzivirire mari yepamusoro yekubhadhara mari yakakonzerwa nekodhi yemakadhi emakadhi.
Muna July 2012, Visa uye MasterCard (pamwe nemabhengi makuru akasiyana-siyana) vakagadzirisa mutongo wakareba waiti kadhi rakabudisa urongwa hwekugadzirisa mari yekutengesa. Visa, MasterCard nemabhengi ataurwa pamusoro apa vakabvumirana kubhadhara vatengesi veUnited States madhora $ 6 mabhiriyoni USD - uye mvumo yekugadzirisa iyo yakabvumira US kuti vatengese kodzero yekubhadhara vatengi vavo zvikuru kana vachibhadhara nemakadhi emakadhi.
Chisarudzo cheCompetition Tribunal
Zvisinei, musi waJuly 23, 2013, Competition Tribunal yakasarudza nyaya yakatarisana nemari yepamusoro yevatengesi yemakadhi ekubhadhara mari yepayimusi yakanga isingazivikanwi.
Kunyange zvazvo nyaya yacho ichinyatsotsvaga pane unyanzvi, Dare Rakatarisa nyaya yacho uye yakataura kuti ingadai yakaramba kurongedza uye yakaratidza kuti mhinduro yakakodzera kune zvinokwidzwa neKhomishani ndiyo hurongwa hwekutonga.
Mutauriri weCompetition Bureau, Jon Pecman, akati mune imwe nzvimbo, mahofisi aya akanyadziswa kwazvo nesarudzo yegurukota uye kuti "Tichadzokorora chisarudzo chekuti tione matanho edu anotevera."
Mamwe Maitiro Echisarudzo
Vatengi 'Association Association yeKanada "vaifara" pamusoro pechisarudzo, vachireva kuti ihwina guru kune vatengi. MasterCard uye Visa, sezvamunotarisira, kuwira mumusasa unofadza; makambani maviri aya akabva atora zvinyorwa kurumbidza chisarudzo. Kune rumwe rutivi, Dan Kelly, purezidhendi weCanada Federation yeIndonesian Business, akadana chisarudzo kurasa kukuru kwevatengesi veCanada uye vakapikira kurwisana.
The Retail Council of Canada yakaodzwa mwoyo. "VaCanada vari kupa zvakawanda kupfuura zvavanofanira kunge vari pamabhuku nekuda kwezvikwereti izvi zvakakwirira," mutauriri webasa rezvezvitoro David Wilkes akati. "Kuwana mari inodarika madhora mabhiriyoni matanhatu gore negore, mari iyi inokanganisa vatengesi nevatengi zvakafanana" (CBC News).
Kurwisana Kuenderera mberi
Kubva muna 2013 na2014, CFIB yakaramba ichishanda padambudziko rekukweretesa makadhi ekukweretesa makadhi kuburikidza ne Interac kutanga zvishandiso kukurudzira vatengi kushandisa mari yekutengesa panzvimbo yekubhadhara uye nekurambidza vatengi vemabhizimisi uye hurumende yekuderedza kushandiswa kwemari uye kuvandudzwa mukuzarura uye kupikisana nekugadzirisa.
MunaNovember 2014 Visa uye MasterCard vakataura nezvekuderedzwa kwekutanga kwekubhadhara mari (10% paavhareji), pamwe nemakore mashanu apera. (Cherechedza kuti American Express haisi chikamu chechibvumirano.) MunaMuvhuro 2015, Mutemo weKufambisa Kwekwereti uye Dhidhi Card Industries muCanada yakashandurwa kuti iise kushambadzira kwemafambisi, kuchengetedza mari yekuderedza uye kuwedzera kwemwedzi mitanhatu yekuzvipira- renewals. Kuchinja kwakaiswa muna 2015 kunosanganisira:
- Vatengesi vachakwanisa kubuda muzvibvumirano zvavo kana purogiramu yavo yekubhadhara inomutsa mitero kana kuti isingapfuuri mari kubva kuVisa / MasterCard;
- Iro Code yose ikozvino inoshandiswa kumashure ekufambisa;
- Payment processors inogona kungoita auto-kugadzirisa kambani kwemwedzi mitanhatu, saka vashambadzi vashoma vachavharirwa mune zvimbiso zvakashata.
Kadhi kadi yekubhadhara mari yevatengesi muCanada ichiri yakakwirira, zvisinei, uye Mutemo haudziviriri vatengesi kuti vasayina zvibvumirano "zvakaipa" kushandiswa.
Chii Chaunogona Kuita Somugove Wemabhizimisi Maduku?
Zvizivikanise neMutemo weKufambisa kweChechi neDebit Card Industry muCanada. Zvose Visa Canada uye MasterCard Canada vakabvumirana kutevedzera iyi Bumbiro reMitemo yekuzvidira rakagadzwa naVaMutungamiriri Wezvemari musi waMay 17, 2010. Kana uine dambudziko pamusoro pekukanganisa, unogona kutumira Financial Consumer Agency yeKanada iyo ichagadzirisa pasinei nokuti kambani yekwereti yekwereti iri kutevera. Iwe unofanirwawo kuverenga rugwaro rwavo Ndeupi Mutemo unoreva VaTengesi?
Iwe unogonawo kudzidzisa vatengi vako nezvechinetso. Vazhinji vashandi havakwanisi kufunga zvakawanda nezvekwereti yemari yekubhadhara mari uye havazivi kuti mamwe makadhi emakwereti anodhura zvakawanda zvekutengesa kupfuura vamwe. Bvunza vatengi vako kuti vafunge kubhadhara mari kana kubvisa mari panzvimbo yekuti vazive nezvechinetso nekambani yemakadhi ekubhadhara uye mari yepamusoro yekubhadhara. ICFIB yakabatanidza vamwe vanokumbira kushambadzira kuti iwe unogona kutora uye kutumira nemabhuku ako emari.
The Upshot
Nokuda kwenguva iyo, kana bhizinesi renyu reCanada richibvuma makadhi ekwereti, unofanira kubvuma chero chero Visa kana MasterCard yako mutengi iwe sekubhadhara, kana iri kadhi yepayimusi uye mari yakakwirira yekutengesa kana kwete uye haabvumirwi kuwedzera mubhadharo kuti ubatsire kufukidza iyo mari.