Uma udweba ikhadi elisha ebhange, cishe uzocelwa ukuba ukhethe uhlelo lokukhokha. Futhi lo mbuzo ubeka abantu abaningi ekufeni, akubona wonke umuntu owaziyo ukuthi i-Visa ihluke kanjani ku-Mastercard? Ake sizame ukuthola ukuthi yikuphi futhi yiziphi izinhlelo okufanele zikhethwe.
Ulwazi jikelele
Kuze kube manje, umhlaba usakaze ngempumelelo zonke izinhlelo zokukhokha. I-MasterCard iyisistimu yokukhokha yaseYurophu, kanti i-Visa iyindlela yokukhokha yaseMelika. Uma othile ekutshela ukuthi umehluko omkhulu wekhadi leVisa kusuka ku-MasterCard lithembekile, ungakholelwa. Zombili izinhlelo zisebenza ngaphandle kokuphazamiseka okukhulu, yonke imisebenzi yenziwa ngejubane elifanayo emhlabeni jikelele. Kodwa sicela uqaphele ukuthi akuwona wonke amakhadi akhishwe amabhange aseRussia asebenza ngaphandle kwezwe lethu. Hlola kalula, bheka ipeni lakho leplastiki. Uma izinkomba ezikulo ziveziwe, imephu yakho izosebenza phesheya, kodwa izimpawu noma ezihlaba umxhwele ngopende kubonisa ukuthi kungenzeka ukusebenzisa insimbi yokukhokha kuphela ensimini ye-Russian Federation. Akusibi ngaso sonke isikhathi, uma ungavamile ukuhamba futhi ngokuvamile usebenzise ibalazwe eRussia, enye yezinhlobo eziphansi kakhulu, esebenza ekhaya kuphela, uzokwenza. Okubonakalayo kanye nesevisi eshibhile.
Uyini umehluko phakathi kwe-Visa ne-MasterCard lapho uhlela ngaphandle?
Iya eYurophu kulula kakhulu nge-Mastercard. Uma uhoxisa imali noma ukukhokhela izinsizakalo, izingxenye zezimali zizoguqulwa ngokuzenzakalelayo zibe yi-euro, ngesilinganiso sebhange lakho kanye nenkokhelo yokukhokha ngekhomishini encane. Cabanga ukuthi wena ne-Mastercard banquma ukuvakashela e-United States. Esikhathini samaRandi ase-US yonke indawo, kodwa sinayo i-akhawunti ye-ruble. Njengoba uhlelo lokukhokha kuyi-European, amayunithi ezokungenisa imali azoqale adluliselwe e-euro futhi kuphela emva kwalokho abe ngama-dollar. Ukusebenza akuthathi isikhathi esiningi, kodwa cabanga ngobukhulu bekhomishini. Ku-Visa, isimo sibonakala esifanayo, kuyasiza kakhulu ukukhokhela amakhadi ase-US kunase-Yurophu. Uyini umehluko phakathi kweVisa ne-Mastercard ngaphandle kwalokhu? Lapho uguqula ikhomishini ye-OIF Visa, i-1.5% kuphela, kodwa i-Mastercard ayinayo ikhomishana enjalo.
Amanye umehluko wekhadi namalungelo akhethekile
Uyabona umehluko weVisa kusuka ku-MasterCard ngokukhokha okungewona ukheshi ngamakhadi alula. Isibonelo, i- Visa Electron ayidingi ukufaka ikhodi eyimfihlo ukubhalela imali engabalulekile kusuka ku-akhawunti, kuyilapho wonke amakhadi we-MasterCard enza ukuthengiselana kuphela emva kokufaka ikhodi ye-PIN. Okungaphezulu noma okunciphisa kuwe, kodwa khumbula ukuthi iphasiwedi eyimfihlo ivikela imali yakho. Ngakolunye uhlangothi, uma ngokungazelelwe ukhohlwe ikhodi yephini, kuzodingeka ushintshe ikhadi. Kubanikazi bamakhadi wesigaba esiphezulu, i-Visa inikeza amathuba akhethekile, njengesizo samahhala sempilo noma sezomthetho. I-Mastercard ayikwazi ukuziqhenya ngamasevisi anjalo. Kodwa khumbula, eRussia lezi lungelo azihlinzekiwe yiwo wonke amabhange, izindleko zokusebenzisa ikhadi ngokwayo ziphakeme kakhulu. Manje uyazi ukuthi i-Visa esuka ku-Mastercard ihluke kanjani, khetha ngokuvumelana nezidingo zakho nokunambitha. Futhi khumbula ukuthi uma ukhetha ikhadi eliphakathi noma eliphansi lokusetshenziswa ensimini yezwe lakithi, cishe ngeke uqaphele umehluko phakathi kwezinhlelo ezimbili zokukhokha.