Tora chikwereti chako uye shandisa checkout yefoni
Wakagadzirira kusiya chikwama chako kumba uye uchishandisa chete smartphone yako kuti uite zvese zvezuva nezuva zvekutengesa mari? Izvi zvinogoneka nekubhadhara mafashoni, izvo zvingangoita rimwe zuva rinotsiva mhando dzemhando dzekubhadhara zvakadai semari nemakadhi.
Nhare dzekufambisa ishoko guru rinogona kureva zvose kubva pakubhadhara kumaresitorendi ane foni yako kana kusvetura kadhi yako pahwendefa yako yehama, kuendesa mari kune vemhuri kana vashandi pamwe chete vasingadi kuti vawane mari iyo.
Cherechedza: Cherechedza kuti mamwe mabasa ekubhadhara mafaira anotenga mari yekutengesa. Vazhinji varipo vakasununguka asi yeukai kutsvakurudza mawebsite akataurwa pasi apa kuti vazive mitemo yavo ichangobva kuitwa pamusoro pemari yekutengesa.
Ndezvipi Zvitsva Zvokubhadhara?
Kune marudzi akasiyana-siyana ekubhadhara mafashoni masangano ayo ose anoshanda zvishoma zvakasiyana. Vamwe vangaita kuti foni yako ive pedyo nedzimwe chiguniti ichigamuchira kubhadhara, kufanana nekutengeswa kwemasikati-nhamba (NFC), apo vamwe vachishandisa internet.
Nzvimbo dzakawanda dzekubhadhara mafaira dzinogona kuonekwa mune imwe yezvikamu izvi:
- Kuchinja kwezuva nezuva: Imwe nzira yekubhadhara mafaira inobata kupi zvako iwe, semusha. Iwe unogona kuzarura purogiramu foni yako uye kubhadhara chero munhu chero chipi zvacho chikonzero chaunoda: kupatsanurudza chikwereti, kutumira chipo chemari, kubhadhara mumwe munhu pane zvavakakuitira, nezvimwe zvakadaro. Mari inowanzoendeswa kubva kubhengi yako yebhangi, asi mamwe mashekeri ngaakuite mari mu "chikwama chechifambisi" kuti uende nokukurumidza.
- Point of sale (POS) kubhadhara: Izvi zvinoitika panzvimbo yaunenge uchitenga basa kana zvakanaka. Nzvimbo dzakawanda dzekutengesa dzine maPOS ekubhadhara mafaira emagetsi panzvimbo inoita kuti zvive nyore nyore kuti tongobata foni paaverengi wekadhi kana kuisa bhodhi pafoni yako kuti ubhadhara pakarepo bhiri.
- Closed-loop mobile payments: Izvozvi mafaira ekufambisa anotaurira kambani. Somuenzaniso, Starbucks inokubvumira kutenga chimwe chinhu kubva mumenyu yako uchishandisa foni yako, uye iwe unogona kunyange kutsika mutsara muchitoro uye enda kune imwe nhamba ye-mobile-order-inokurumidza kutora urongwa hwako.
- Mari yekubhadhara: Sezvo foni imwe neimwe inobhadhara -shandisa inoshandisa mutengesi foni, mamwe mazano ari munzvimbo inokubvumira kuti ubhadhara zvinhu kubva pafoni yako asi kwete chaizvoizvo kubhadhara kusvika wawana foni yako. Izvi dzimwe nguva zvinowanikwa nemipiro yaunogona kuita pane kunyora.
- Muverengi wemakadhi e-Mobile: Dzimwe makambani anopa chipikisi chiduku chinowedzera mufoni yako kana piritsiti iyo inogona kushandiswa kugamuchira mari kubva kubhadhi kana kadhi rechikwereti. Izvo zvakakwana kumabhizimisi mashoma kana kunyange vanhu vari kubvuma kubhadhara pavanenge vachienda.
Mobile Payment Apps
Mobile payments pay apps zviri kusunungurwa pamapuratifomu makuru epuraneti nguva dzose. Nzira yekubhadhara iri kuve yakakurumbira zvokuti dzimwe foni dzinotora fomu yekubhadhara mafoni yakavakwa mukati memutambo.
Apple Pay. Apple Pay inoshanda ne iPhone, iPad, uye Apple Watch. Kana purogiramu yePOS inotsigira Apple Pay, kana wakagadzirira kuongorora, unogona kushandisa kadhi yako yakachengetwa kana kuti debit kubhadhara nechisimba chinyorwa cheminwe yako kana kuti bhodhi riri pamabhedha ako. Mac makombiyuta anogona kushandisa Apple Pay, zvakare.
Sezvo muverengi weminwe yeminwe inoshandiswa pakuvimbiswa, App Store uye vazhinji vezvikamu zvemazuva matatu vanokubvumirai kubhadhara zvimwe zvinhu uchishandisa mashoko eApp Pay Pay uye zvinyorwa zveminwe yako . Iwe haufaniri kuongorora zuva rokupera pakadhi yako, pinda muhutete rekuchengetedza, kana kuita chero chimwe chinhu kubva apo mashoko ose akachengetwa pafoni yako.
Apple inochengetedza runyoro rwezvimwe nzvimbo dzakasiyana dzinotsigira Apple Pay. Iwe unogona kuwana Apple Pay rubatsiro mumaresitorendi, mahotera, zvitoro zvekudya, nezvimwe.
Samsung Pay uye Android Pay. Zvakafanana neApple Pay iSams Pay, iyo inoshanda neSamera Galaxy (mazita akazara madivaysi anotsigirwa). Mukuwedzera pakachengetedza mapeji ebhanhire gumi nemazana, Samsung Pay inobatanidza nematare evatengesi kuitira kuti iwe ugone kuchengeta nekubhadhara nenhamba dzisingagumi yemakadhi emakadhi. pane Google Play. Ingoisa foni yako pedyo neSamsay Pay kana Android Pay terminal kuitira kuti muverengi weNFC ataure mashoko ekubhadhara kwako.
Bank apps. Mahombekombe akawanda anokuendesa mari kuvamwe vashandi vebhangi rimwechete. Dzimwe nguva izvi izvi zvinowanika kubva mukati memushandi webunhare. Bhizinesi reAmerica, Nyore, Wells Fargo, uye Chase imisi mienzaniso mishomanana, asi vamwe vazhinji vanoita nenzira imwechete.
Aya ndiwo mapurogiramu chaiwo ebhengi anokubatanidza iwe ku-akhawunti yako nebhangi iroro. Iwe unofanirwa kuisa mari yekuchengetedza kana kuongorora kambani kuitira kuti uishandise, mushure mekunge iwe unogona kushandisa iyo maakaunti kutumira mari kana kuunganidza mari kune vamwe. Mabhengi ose mana anogona kuita izvi kuburikidza nemapurogiramu emafoni.
Kana bhengi yako isingatsigiri kutumira mari kune mumwe munhu anoshandisa bhenji rako rimwe chete, kana kuti havashandisi bhenji rimwe chete asi iwe uchiri kuda kutumira mari kwavari, unogona kushandisa unge yebhengi kuti uwedzere kushambadzira.
Nonbank apps. Aya mapurogiramu asiri mabhizinesi chaiwo asi anokubvumira iwe kana kukwevera mari kubva kubhangi yako kuti utore mari kana kuti uchengetedze mari mu-app kuitira kuti iwe unogona kukurumidza kutumira mari kune vamwe vanoshandisa purogiramu imwe chete.
Iko Free Square Cash inokubvumira kutumira mari zvakananga kumabhengi ebhangi chero ani zvake pasina mari. Zviri nyore sekusarudza chiyero chekutumira kana kukumbira, uye zvino kuchiitumira pane email kana zvinyorwa. Iwe unogona kuchengeta mari mu-app kuitira kuti inogona kuenda pakarepo kune imwe yerimwe munhu, shure kwaizvozvo vanogona kuchengetedza mari imomo uye vashandise kune dzimwe shandiso, kana kuti kuendesa mari kubhengi ravo.
PayPal imwe yemhando inoshandiswa yekubhadhara mafashoni inoshanda zvakadai seCalp Cash, kwaunogona kutumira kana kukumbira mari kubva kune app uye kuchengetedza mari munhoroondo yekutsvaga pakarepo. Iwe unogona kubhadhara neApaPal yako yekare mune mamwe mabhuku.
Nhare dzefoni dzinopiwa neGoogle, zvakare, kuburikidza neGoogle Wallet. Wedzera mari kuGoogle Wallet yako mumasekondi uye utumire kune ani zvake. Zvose zvavanofanira kuita ndezvokuisa mubazi ravo rekugadzira kuti vazviwane. Sarudza nzira yekubhadhara kusingagumi uye Google ichakurumidza kutumira mari yose inopinda mubhangi iroro. Icho chinoshandiswa kubhengi-kubhangi purogiramu yekufambisa, neGoogle iyo inopindirana nemashoko acho.
American Express Serve yakafanana nedzimwe humwe hutano nehuwandu hwekubatsira kushandisa mafomu ekubhadhara okubhadharwa uye kukwanisa kuvaka zvinyorwa.
Snapchat uye Facebook Messenger vangave vasiri iwe fungiro yako yekutanga kana zvasvika pamashamba ekufambisa, asi zvose zvezvibvumirano zvinokutumira iwe kutumira mari kuScapchat kana Facebook shamwari dzako. Zviri nyore sekuisa dhora iri mumashoko ekutumira, uye zvino kusimbisa tsanangudzo yako yekubhadhara.
Zvimwe zvikwereti zvekubhadhara zvinosanganisira Venmo, Popmoney, uye Blockchain (iyo inotumira / inogamuchira Bitcoin).
Vaverengi vemakadhi efoni. Girasi, iyo kambani inomhanya yeCash service inotaurwa pamusoro apa, inokubvumira kubvuma zvipo kubva pamakadhi kuburikidza nedavo ravo re Free Square Reader rinobatanidza kumusoro wehephone. Mari inoshandiswa kuburikidza nehutano hwavo hwePOS.
PayPal ine muverengi wavo wega wega wepachena unonzi PayPal Here, sezvinonzi PayAnywhere.
Kana iwe uchida kutengesa zvakanaka zvakarongeka neAkaunti yako ye QuickBooks, unogona kusarudza QuickBooks GoPayment.
Zvinonyanya kukosha: Zvose izvi zvinotsigira mari yekutengesa kana kwegore rimwe chete kana pamwedzi mari, saka iva nechokwadi kuti unotarisa kune dzimwe nhengo dzezvinyorwa zvepamusoro-mberi.
Direct Carrier Billing uye Yakasungwa-Loop Mobile Payments
Zvichida zvisinganyanyi kufarira vanhu vazhinji ndevamwe vatengesi vanobhadhara mari. Dzimwe nguva apo iwe unotenga app kana terefoni yefoni yako, basa racho rinowedzera mari yacho kumutero wefoni yako. Iyi ndiyo tsika inowanzoitwa pakupa zvipo, kufanana neRed Cross.
Closed-loop mobile zvikwereti zvinoitika apo makambani anovaka purogiramu yavo yekubhadhara mafaira, zvakadai seWalmart, Starbucks, Taco Bell, Subway, uye Sonic. Chimwe nechimwe chezvibvumirano izvi ngazvipiwe iwe kubhadhara mari yacho kubva pafoni yako, kana mberi kwenguva kana paunotora urongwa hwako.