impendulo yini Bizum futhi uqonde ukuthi isebenza kanjani owokungena emhlabeni wezinkokhelo zedijithali. Ngeke kuchazwe njengohlelo lokusebenza, njengoba i-Bizum ihlanganiswe nezinhlelo zokusebenza zeselula zamabhange amakhulu futhi ivumela ukusebenza okuqondile. Kunalokho kuwubuchwepheshe, uhlelo lokwenza izinkokhelo ngokushesha naphakathi kwabasebenzisi abazimele, izinkokhelo ezivikelekile nezisheshayo.
I-Bizum iyisixazululo sokuthumela imali kwabanye abantu ngaphandle kokucela i-IBAN. Kuyisiphakamiso esisha esiza ukuncintisana nezikhondlakhondla zemboni ezifana ne-PayPal. I-Bizum iyazuza futhi ikhula njengenye indlela engaxazulula izindlela zokudlulisa imali ngedijithali.
Isebenza kanjani i-Bizum
Ukuqonda ukuthi iyini i-Bizum kungena emhlabeni wokuthengiselana phakathi kwabantu ngabanye. Lolu hlelo lwethulwa njengenye indlela yokudluliselwa kwebhange ngokwesiko, luqhudelana ngqo nezikhondlakhondla zemboni ezifana ne-PayPal. Njengesici esihle uma kuqhathaniswa nebhange lendabuko, izinkokhelo ze-Bizum zifakwa khona manjalo. Izimele ebhange ojwayele ukusebenza nalo.
Inkundla yokukhokha yi-Bizum, kodwa imisebenzi ihlanganiswe ngokuqondile ekusetshenzisweni kwebhange nge-elekthronikhi kwebhizinisi ngalinye. Akudingekile ukulanda noma yiluphi uhlelo lokusebenza olwengeziwe, ukwazi ukulisebenzisa ngqo kusuka ebhange lasekhaya. Amabhange amaningi ase-Spain asevele afaka phakathi ukwesekwa kokusebenza ne-Bizum, kodwa sifaka uhlu lwamabhizinisi ahambisanayo ukuze wonge isikhathi.
Yini okufanele uyenze uma i-Bizum ingasebenzi?
Uma kwenzeka ukudluliselwa nge-Bizum kungasebenzi, ungazama ezinye izindlela ukuxazulula inkinga. Kusukela ekubuyekezeni izinhlelo zokusebenza ukuya ekuqaliseni kabusha izinhlelo zokusebenza noma ukuxhumana nebhange okukhulunywa ngalo.
- Qala kabusha uhlelo lokusebenza lwasebhange: Njengoba i-Bizum isebenza kuzinhlelo zokusebenza zebhange lasekhaya, isinyathelo sokuqala uma kwenzeka kuba nephutha ukuvala idivayisi. Uma i-Bizum ingasebenzi ungaqalisa kabusha ifoni noma uqale kabusha ngokuqondile uhlelo lokusebenza lwasebhange. Kwesinye isikhathi amaphutha avela efayeleni elikwinqolobane elingalungiselelwe kahle.
- Buyekeza uhlelo lokusebenza lwasebhange: Kubalulekile ukuba nenguqulo yakamuva yohlelo lokusebenza lwasebhange. Uma inkundla ye-Bizum ingasebenzi kahle, kungenzeka kungenxa yoshintsho lwakamuva kumafayela esistimu yohlelo lokusebenza.
- Xhumana nebhange noma ulinde: Ngezinye izikhathi, izinga lokusebenza liphezulu kangangokuthi isistimu iphonsa amaphutha. Zama ukulinda amahora ambalwa ukuze uthumele imali futhi. Esimeni lapho ukulinda kungakhiqizi imiphumela, zama ukuthintana nesevisi yezobuchwepheshe yebhange lakho ngokuqondile.
- Faka kabusha uhlelo lokusebenza: njengesilinganiso sokugcina, ungazama ukukhipha nokufaka kabusha uhlelo lokusebenza lwebhange lasekhaya. Lokhu kugcina ngokufaka kabusha amafayela esistimu adingekayo ukuze kuqalise noma yiluphi uhlelo lokusebenza futhi. Kuyisixazululo esingcono kakhulu sokuthi i-Bizum iphinde isebenze ngendlela efanele.
Amabhange ahambisana ne-Bizum
Ukuze usebenzise inkundla yokukhokha nokudlulisa, kufanele ubuyekeze isicelo sebhange lakho ukuze useshe inketho ye-Bizum. Izikhungo zezezimali esezivele zikuqinisekisile ukuthi ziyasebenzisana zihlanganisa:
- Abanca
- I-Mediolanum Bank
- Bankia
- I-Bankinter
- BBVA
- ICaixa Bank
- Onjiniyela Ibhokisi
- Ibhokisi Lasemakhaya
- I-Cajalmendralejo
- ICajamar
- ICajasur
- German Bank
- Ama-Eurobox asezindaweni zasemakhaya
- EVO
- I-Ibercaja
- Ibhange Lesithombe
- I-Kutxabank
- Kutxa Labour
- Liberbank
- Ihhovisi eliqondile
- I-Openbank
- Umfundisi
- Okudumile
- Sabadell
- Santander
- I-Unicaja
Yini ongayenza nge-Bizum?
Inkundla ye-Bizum ivumela thumela kalula imali kwabanye abasebenzisi, noma ucele inkokhelo. Yonke inqubo imahhala futhi iyashesha. Imfuneko kuphela ukuthi umsebenzisi futhi abe ne-akhawunti kwelinye lamabhange asekelwayo. Ungase futhi wenze iminikelo kuma-NGO ukuze wengeze imali futhi ufeze izinhloso zawo.
Ibhange ngalinye elibambe iqhaza lingasungula imikhawulo yokudlulisa, nakuba kuze kube manje imikhawulo ivamise ukuba phakathi kuka-0,50 no-150 wama-euro. Amanye amabhizinisi angase anyuse umkhawulo kancane, avumele ukudluliselwa okukhudlwana kancane. Okwamanje, i-Bizum iyinkundla yamahhala, kodwa esikhathini esizayo ingase iqale ukukhokhisa amakhomishini. Abakasho lutho ngakho, kodwa kuzoqondakala ngemuva kwesikhathi esiphusile sokunikezwa kwamahhala kwethuluzi.
Thenga ku-inthanethi nge-Bizum
Okunye okungenzeka lapho uqonda ukuthi i-Bizum iyini nokuthi isetshenziswa kanjani khokhela ukuthenga kwakho ezitolo eziku-inthanethi. Okuwukuphela kwento okudingeka siyifake inombolo yethu yocingo ezitolo eziku-inthanethi ezisekela ukukhokha nge-Bizum. Khona-ke ukusebenza kuyaqinisekiswa futhi ngale ndlela sigcina ukuphepha kukho konke okwenziwayo.
I-Los abathuthukisi bepulatifomu basebenzela ukufaka, maduze nje, uhlelo lokukhokha lweselula lwamabhizinisi endabuko. Ekuqaleni, i-Bizum ibihambisana kuphela nezinkampani zamabhange eziyi-15, kodwa ukuduma kohlelo kuyivumele ukuthi yandise ukufinyelela kwayo. Namuhla kunezinkampani zamabhange ezingama-26 futhi abasebenzisi abangaphezu kwezigidi ezingu-3,5 basabalale kuyo yonke indawo. Ngokusho kwedatha yezezimali yenkampani, kuthengiselana okungaphezulu kwezigidi ezingama-30 ngenani lama-euro ayizigidi eziyi-1.500. Ikusasa lemisebenzi yedijithali lafika esikhathini esedlule, futhi i-Bizum ijoyina ukuncintisana emkhakheni wokukhula okukhulu.
Ungaxhuma kanjani i-Bizum ku-akhawunti yakho?
Ukuqinisekisa i Ukuhlonza nokuphepha kwe-Bizum, inkundla ikuvumela kuphela ukuthi uxhume i-akhawunti yasebhange nenombolo yocingo. Ukuze ushintshe i-akhawunti ehlobene, kuzothatha imizuzwana embalwa nje uma ingeyebhange elifanayo, kodwa uma ufuna ukushintshela kwelinye ibhange, kufanele uqale ukhansele isevisi. Bese sixhuma kabusha i-akhawunti entsha bese siqhubeka nokuhweba.
Esinye isici esiqinisekisa i- ukuphepha kwe-bizum kanye nokuthengiselana, ukuhlanganiswa nezinhlelo zokusebenza zeselula zokubhanga ekhaya. Ibhange ngalinye lengeza i-Bizum futhi lingasebenzisa inkundla, kuyilapho livikela idatha yomsebenzisi nemali esakazwayo. Ukuze ukwazi ukusebenza udinga izincwadi zebhange eziku-inthanethi kanye ne-PIN yokuqinisekisa, futhi ubhalisa njalo lapho senza umsebenzi omusha. Lokhu kuqinisekisa ukuhanjiswa kwemali yethu, futhi kufika ne-SMS yokuqinisekisa ukuze ibhekane nawo wonke amathuba okukhwabanisa noma ukwebiwa kobunikazi.
Ngomgomo ocacile we ukuncintisana ngokumelene nemidondoshiya efana PayPal, i-Bizum yamukelwe kahle endaweni yeSpanishi. Kuyinkundla ephelele futhi eguquguqukayo eyenza izinkokhelo phakathi kwabasebenzisi.
