Visa ndi MasterCard dongosolo mu Russia. Kufotokozera za malipiro machitidwe Visa ndi MasterCard

Malipiro dongosolo - zida wamba ndi njira ntchito kutumiza ndalama, malipiro ndi ngongole zolimbana pakati pa gulu la zolowa zachuma. M'mayiko ambiri, iwo zimasiyana kwambiri chifukwa choti wina wa maudindo osiyanasiyana mu mulingo wa chitukuko cha chuma ndi mbali ya malamulo kubanki.

Zosiyanasiyana machitidwe malipiro

machitidwe onse malipiro anawagawa mitundu iwiri: m'dera m'mayiko ena.

• The yoyamba Visa ndi MasterCard, Kudya Club ndi American Express.
• Mtundu wachiwiri ndi "Sberkard" (makadi amavomerezedwa kokha mu "Ndalama Bank" ndi mabungwe naye), Khadi Union, NPS ndi ena.

Udindo wapamwamba mu bungwe Pamudzi, choncho malonda ake amavomerezedwa mu malo ena. Childs, mawonekedwe a dongosolo malipiro sikumangotikhudza ndalama zina chofukizira khadi. Choncho, Visa ndi MasterCard - zimene kusankha?

Malipiro dongosolo Visa

Visa Mayiko Service Association - kutsogolera malipiro dongosolo la dziko, zochokera dola, kotero zonse ntchito pa akatembenuka ndalama umadutsa izo. The patsogolo ntchito ya kampani amaperekedwa kwa chitukuko cha ngongole msika. Zolowa okwana pafupifupi thililiyoni 4.8 madola chaka. dongosolo lino yopezeka pa 30 miliyoni ritelo kuthandizidwa m'mayiko oposa 200 padziko lonse. Ali miliyoni ATMs lonse. chiwerengero cha mabungwe amene ali mamembala a dongosolo lino, kuchuluka okwana chimaposa mamiliyoni 20. Kuti kampani Visa ali oposa 50% ya zolowa ndalama mabungwe malipiro padziko lonse. chiwerengero cha makadi chikalata kuzungulira biliyoni 2 zidutswa. M'mayiko Western, POS-malo zili pafupifupi masitolo akuluakulu ndi malo odyera. Okha ndi Visa Khadi ndi ndalama ngongole kapena osakhala ziro nkhani madebiti, munthu kulipira katundu si ndalama, kumene, pansi pa mlingo zofunika zida banki. Ubwino dongosolo:

• kupeza ndalama kuzungulira koloko kulikonse mu dziko, komanso pa Intaneti;
• Kuthekera kunyamula ndalama malire, popanda anakhumudwitsa miyambo kulengeza ndondomeko;
• n'kamodzi mosatsata ntchito, debiting khadi (pamafunika kugwira kuwerengetsera pa POS-osachiritsika) padziko lonse;
• luso kusamutsa ndalama zina ndalama nkhani, komanso ntchito zina zambiri.

Visa mu Russian msika banki

Pa zaka khumi zapitazi Visa utumiki msika mu Russia anali mmodzi wa wamphamvu kwambiri. makadi malipiro ndi antchito ambiri a makampani ndi mabungwe, monga maonekedwe a ndalama si ndalama ali kukhala ovomerezeka ndi zofunika. Today pa gawo la Chitaganya cha Russia kuli kovuta kulingalira sitolo iliyonse yaikulu kapena siteshoni galimoto adzapereke popanda POS-malo angathe kulandira malipiro amatanthauza si ndalama za malipiro a kampani.

dongosolo malipiro MasterCard

MasterCard mayiko - dongosolo malipiro mayiko, zomwe zimabweretsa pamodzi mabungwe ndalama zoposa zikwi makumi awiri m'mayiko oposa mazana awiri. Zolinga zikuluzikulu za kampaniyo:

• zofuna utumiki malipiro mabungwe thupi ndi malamulo;
• mapulogalamu issuance khadi, amene akugulitsa pansi zopangidwa ndi MasterCard, Maestro ndi Cirrus.

Kutsogoza malangizo chitukuko pa siteji yatsopano pakompyuta malipiro pa Intaneti.

Mu 1966, chiwerengero cha a mabanki mu United States kuti anasaina mgwirizano omwe cholinga chawo chinali chilengedwe cha Interbank Khadi Association. Kale mu 1968 kampani anayamba mogwirizana ndi dongosolo Eurocard malipiro. Dzina la MasterCard woterowo mu 1979. Mu 1980, bungwe watenga ndi udindo waukulu mu dziko msika - chiwerengero cha makadi chikalata anafika miliyoni 55. Ndi 2006 TH dongosolo anazindikira kuti imodzi mwa kothandiza kwambiri ndi odalirika. Oposa 25% ya makadi banki mu dziko ndi za kampaniyo. Tsopano MasterCard chaka ikuchitika wotuluka oposa biliyoni 23.

Pali utumiki wapadera owerenga khadi - mafoni MasterCard ankakonda ofunsira - foni limakupatsani kuona mfundo atsopano.

dongosolo MasterCard ku Russia

Ntchito MasterCard latsopano la Russia choyenera kwambiri chaka chilichonse. Russia imatengedwa kuti akulonjeza chifukwa cha kukula kwa boma ndi zinchito chitukuko cha dongosolo malipiro. M'zaka zingapo zapitazi, MasterCard alibe kulekana ofunikira makampani ŵa mu gawo la malipiro si ndalama - Visa. 38,5% makadi pulasitiki mu Russia a msika MasterCard. Chiwerengero cha iwo - pafupifupi mamiliyoni 27 makope. Ndi MasterCard kugwirizana "Ndalama Bank", "TrasKreditBank", "Masterbank" ndi "Russian Standard".

MasterCard ndi malipiro a pakompyuta

Mu 2013, kuchuluka kwa ndalama Intaneti dongosolo MasterCard chawonjezeka ndi 25%. chiwerengero cha ogwiritsa nayenso woukitsidwa, amene anasonyeza cholinga kugula makadi kwa malipiro Intaneti. Mwakhama kukhala ndi mndandanda wa ntchito zoperekedwa mafakitale. kasamalidwe kampani akufuna kulenga utumiki lake (PayPass Wallet) monga chikwama amagetsi. kukhazikitsa mpaka yekha anakonza, koma pa zinthu zambiri Internet kale cholinga chake kulipira kulumikiza malo ntchito mtundu uwu mawerengedwe.

Kodi kutenga makadi banki ya mayiko dongosolo malipiro

ndondomeko pokonza Visa ndi MasterCard ndi mwachilungamo losavuta:

• kupita kulikonse za mabanki m'dziko amathandiza dongosolo;
• pamaso pa zikalata adzadziwire (zambiri pasipoti), kunena pangano pa makonzedwe a misonkhano.

Koma mapu, iwo ukhoza kukhala madebiti ndi ngongole.

Yoyamba ndi amene inu mukhoza kugwiritsa ntchito ndalama anasamutsa kwa iwo. Mu chakuti ndalama anayenderera pa mapu, iwo ayenera kunditumiza ku akaunti yanu ntchito m'tsogolo misonkhano anapereka dongosolo. Pa nthawi yomweyo, pali malire ndalama, kuwonjezera kukula kwa amene ali mabvuto.

makhadi ndi yopindulitsa ntchito - malipiro lonse kudzera mwa kuchuluka wosindikiza banki. Ndikofunikira kubweza ngongole lisanadze tsiku lotha kenako nkhani kamodzinso kudziunjikira ndalama ya ngongole ya. makadi kwambiri Russia ndi mosaphonyetsa madebiti, ngati mgwirizanowo sanali mwachindunji amatchula njira zosiyanasiyana.

Kukhazikitsa kuwerengetsera mu maukonde

Osati onse a padziko lonse khadi madebiti angagwiritsidwe ntchito ntchito malipiro ndi kugula Intaneti. Pakuti dongosolo la makadi Visa ndi Visa Gold, Visa Classic ndi pamwamba kapena mwapadera analengedwera kwa maukonde Visa a Internet, chomwe ndi analogue Visa Classic. Ndi khadi Visa elekitironi , mukhoza kutapa ndalama mu malo, koma kuwerengetsera si likupezeka pa Intaneti, ngati iwo alibe CVV2. Komanso cholinga khadi Visa Pafupifupi, anakonzedwa kuti wotuluka pa maukonde, ndi kuti kuonjezera wosuta chidaliro malonda kudzera Intaneti.

Pakuti malipiro dongosolo MasterCard kwa kuwerengetsera Intaneti wosakanikirana MasterCard Standart ndi pamwamba. khadi A Master Khadi Maestro (madebiti), ofanana Visa elekitironi, kugwiritsidwa ntchito pa olumikizidwa ku makina ntchito njira (ndi ufulu CVC2).

Ngati malowo ndi imodzi mwa njira Gawo / achire anasankha Visa elekitironi kapena Maestro, mu nkhani iyi agwiritsidwa kwa malipiro ndi zosiyanasiyana machitidwe lonse pakompyuta malipiro ofanana Moneybookers, kapena makhadi wosindikiza mabanki ena mu West (ndi CVV2 malamulo kapena CVC2).

Visa ndi MasterCard dongosolo mu Russia - momwe zinthu zikusinthira

Mu zinthu ziliri mu Ukraine, March 21, 2014 angapo a mabanki Russian ziletso pa ena kachitidwe (mwachitsanzo, Visa ndi MasterCard) ziletso. Maps anasiya ntchito ku malo ogulitsira ritelo ndi makina n'kupuma yopereka. Chinthu kwambiri zosasangalatsa ndi Visa ndi MasterCard malipiro dongosolo oletsedwa popanda chenjezo lililonse. Pafupi theka la miliyoni zopalira khadi m'magulu awa anali anaima mutu ndi. Koma monga mukudziwa, mabungwe awa chidwi mgwirizano zina ndi Russian Federation, ndipo, kotero, miyezi iwiri zitachitika, ndi malipiro mayiko kachitidwe, ndipo boma anavomera kupitiriza ntchito ya makampani Russia. Pa zokambirana ndi, kusinthidwa anakonza chimango malamulo a Federation ndi Russian "Pa dongosolo dziko malipiro": mabungwe akunja ntchito itatu iriyonse anaikidwa nkhani yapadera "Sberbank" zopereka kuonetsetsa kukula kwa kotala a dongosolo lililonse la ndalama kutengerapo (ie, za $ 100 miliyoni aliyense ..).

Mtsogolo, ndi kuphatikiza ndi bulanchi a Visa ndi Master Khadi mu Russian dongosolo dziko malipiro. Izi adzalenga magulu awiri osiyana. The State Duma kale anayambitsa bilu pankhaniyi. nkhani ina ndi kulanda ndi wogwirizana dongosolo malipiro dziko la ophunzira onse kutenga mwezi umodzi. Koma ichi ndi muyeso kofunika kuti zagwiridwa kwa zinthu otetezeka chuma dziko ndi kukutetezani udindo wa aliyense nzika Russian.