Visa uye Mastercard wemuTesitamende Russia. Tsananguro muripo hurongwa Visa uye Mastercard

Payment hurongwa - zvakajairika maturusi uye unyanzvi kushandiswa mari kutamiswa, kubhadhara uye pamutemo munataisireva pakati vechikamu upfumi turnover. Munyika dzakawanda, ivo yakasiyana mumwe nemhaka siyana zvinzvimbo siyana okukura hwenyika uye zvaidiwa rwezvemabhengi mutemo.

Siyana mubhadharo nehurongwa

All Hurongwa muripo vari rakakamurwa mhando mbiri: omunharaunda uye dzakawanda.

• The mhando rokutanga Visa uye Mastercard, Diners Club uye American Express.
• Chechipiri mhando ndiyo "Sberkard" (makadhi vanogamuchirwa chete "nemari Bank" uye masangano nomumwe), Union Card, NPS nevamwe.

The yepamusoro chinzvimbo mune nzvimbo musangano, saka zvinhu zvayo vanogamuchirwa zvakawanda munzvimbo. Kazhinji, chimiro muripo hurongwa asingadi kukanganisa dzimwe mari kadhi anaro. Saka, Visa uye Mastercard - chii kusarudza?

Payment hurongwa Visa

Visa International Service Association - kutungamirira mubhadharo gadziriro yenyika, inobva dhora, saka akavhiyiwa zvose pamusoro rokutendeutsa mari inopfuura napo. The muupenyu basa boka iri rakapiwa kukura kadhi pamusika. Turnover vanosvika anenge 4.8 matiririyoni emadhora pagore. gadziriro iyi dziri pana mamiriyoni 30 chitoro uye mabasa munyika dzinopfuura 200 munyika yose. Inoshanda ATMs miriyoni imwe yose. Kuwanda nemasangano kuti inhengo wegadziriro, mu yaipedzerwa runopfuura dzakabatana mamiriyoni 20. Kuti Visa kambani zvinopfuura 50% of turnover mari kuti mubhadharo masangano munyika yose. Kuwanda makadhi wakabudiswa riri kumativi 2 bhiriyoni zvidimbu. Munyika dzokuMadokero, Pos-zviteshi dziri mune zvinenge zvose zvikuru zvitoro uye mumaresitorendi. Pachavo aine Visa kadhi rine zvikwereti mari kana isiri razero debit nhoroondo, mumwe anogona kubhadhara zvinhu uye mabasa vasiri mari, Chokwadi, pasi zvakakodzera padanho Bank michina. Betsero dze hurongwa:

• kuwana mari kumativi wachi chero kupi zvako munyika, uyewo Indaneti;
• Zvingangoitika kuendesa mari mhiri miganhu, pasina kumutsa tsika chinoziviswa nzira;
• pakarepo kunyimwa basa, debiting kadhi (zvinoda kuita Masvomhu pamusoro Pos-chinouraya) munyika yose;
• kukwanisa kubvisa zvimwe mari yakawanda kuti nhoroondo, uyewo mamwe mabasa akawanda.

Visa ari Russian rwezvemabhengi musika

Mumakore gumi apfuura Visa basa pamusika Russia aiva mumwe kupfuura simba. Muhoro Makadhi vane vashandi vakawanda makambani nemasangano, sezvo muchimiro asiri mari kubhadhara iri kuramba ichiva zvinogamuchirika uye kwakanaka. Nhasi pamusoro munharaunda Russian Federation kwakaoma zvisingaiti kufungidzira chero Supermarket guru kana motokari ndinorova chiteshi pasina Pos-zviteshi vanokwanisa kugamuchira mubayiro asiri mari achishandisa mubhadharo wekambani.

Mastercard mubhadharo hurongwa

Mastercard International - yemarudzi mubhadharo hurongwa, iyo inobatanidza mari masangano anodarika zviuru makumi maviri anopfuura mazana maviri nyika. The chikuru zvebasa wekambani:

• basa muripo zvinodiwa mumuviri pamutemo masangano;
• kadhi issuance purogiramu, izvo kutengeswa pasi pezvitsiga Mastercard, Maestro uye Cirrus.

Kuisa mirayiridzo okukura panguva ino Danho vari yemagetsi kubhadhara paIndaneti.

Muna 1966, nhamba mabhanga muUnited States kunge dzakasaina chibvumirano ane chinangwa chaiva pakusikwa Interbank Card Association. Nechekare muna 1968 kambani akatanga pamwe chete Eurocard muripo hurongwa. Zita Mastercard mvumo chete muna 1979. Muna 1980, sangano akatora aitungamirira chinzvimbo pamisika nyika - nhamba rakapa makadhi yakasvika mamiriyoni 55. By 2006 fung ezvinhu aiziva somumwe kupfuura vakarongeka uye hwakavimbika. Vanopfuura 25% kuti bhangi makadhi munyika ndezvaMwari kambani. Zvino Mastercard gore negore kuitwa zvinopfuura mabhiriyoni 23 kwema.

Pane basa rinokosha kuti kadhi vanoshandisa - Mobile Mastercard kufarira mafomu - parunhare kunoita kuti kuona mashoko azvino uno.

Mastercard wemuTesitamende Russia

Kushandiswa Mastercard ari Russian Federation kuri zvikuru gore negore. Russia runoonekwa kuti achivimbisa kuti pakuwedzera ehurumende uye dzichipfekeka kwemashoko muripo hurongwa. Mumakore mashoma apfuura, Mastercard haana zvinokosha kuparadzana vaikudzwa makambani ari nemauto vasiri mari muripo - Visa. 38,5% kuti epurasitiki makadhi zvokuRussia ndezvaJehovha Mastercard pamusika. Uwandu pavo - makopi anenge mamiriyoni 27. With Mastercard pamwe "nemari Bank", "TrasKreditBank", "Masterbank" uye "Russian Standard".

Mastercard uye zvemagetsi kubhadhara

Muna 2013, huwandu paIndaneti kubhadhara munyika Mastercard ino yakawedzera 25%. uwandu vanoshandisa rave amuka, uyo akaratidza chinangwa chavo kutenga makadhi kuti paIndaneti mubhadharo. Kushingaira kuva kuwanda mabasa inopiwa indasitiri. Chekambani utariri anoronga kusika basa yayo (PayPass Wallet) sezvo wemagetsi chikwama. Implementation Its saka kure chete akaronga, asi pane zvakawanda Internet zvinhu kare akataura chinangwa chacho kubhadhara kubatanidza nzvimbo kushandisa kukarukureta mhando iyi.

Sei kuwana kubhengi nemakadhi dzakawanda mubhadharo hurongwa

A muitiro nokuti pakugadzirira Visa uye Mastercard chaizvo nyore:

• kuenda chero pemahombekombe munyika inotsigira hurongwa;
• pamberi nokuzivikanwa magwaro (kazhinji pasipoti), kugumisa chibvumirano pamusoro urongwa mabasa.

Kana mepu, vanogona kuva debit uye zvikwereti.

Chokutanga mhando ndiyo avo kuti iwe unogona chete kushandisa mari akachinjirwa kwavari. In ezvinhu apo mari kupera pamepu, vanofanira kuendeswa kuchikwama chenyu kuti kushandiswa mabasa zvaipiwa mugadziriro ramangwana. Panguva iyoyowo, pane mari pakunogumira, kuwedzera kukura iri matambudziko.

Makadhi vari unyatsobatsira kushandisa - zvose kubhadhara akafukidza achishandisa imwe mari nekanzuru bhengi. Zvinokosha chete kubhadhara chikwereti pamberi expiry zuva uye nhoroondo kuunganidza kamwe zvakare mari chikwereti. Makadhi Most muRussia ndivo debit chaizvo, kana chibvumirano haana zvakananga anoratidza yakasiyana chisarudzo.

Implementation of Masvomhu vari samambure

Havasi vose international debit kadhi inogona kushandiswa kubhadharwa basa uye paIndaneti kunozvitenga. Nokuti kwegadziriro Visa makadhi ari Visa Gold, Visa Classic uye pamusoro kana zvikurukuru kusikirwa Visa samambure Internet, inova analogue Visa Classic. By kadhi Visa Erekitironi , unogona kutora mari iri zviteshi, asi Masvomhu havasi PaIndaneti, kana haina CVV2. Also yakagadzirwa kadhi vhiza Virtual, zvakananga akagadzirirwa kwema pamusoro pomumbure, uye kuitira kuti vawedzere User chivimbo mune zvokutengeserana kuburikidza nomumbure.

Nokuti muripo yakaipa Mastercard kuti paIndaneti Masvomhu wakanyatsokodzera Mastercard Standart uye pamusoro. A kadhi Master Card Maestro (debit), akafanana Visa Erekitironi, kushandiswa chete is akavhiyiwa Maitiro (zviri pachena CVC2).

Kana nzvimbo ndeimwe nzira Deposit / kushaya hanya akasarudzwa Visa Erekitironi kana Maestro, muchiitiko ichi pachirehwa vachibhadhara kubudikidza dzakasiyana-siyana dzakawanda yemagetsi mubhadharo hurongwa, akafanana Moneybookers, kana makadhi wakabudiswa mamwe mabhanga ari West (ndine CVV2 remitemo kana CVC2).

Visa uye Mastercard wemuTesitamende Russia - mamiriro ano

Ari kuitika muUkraine, March 21, 2014 pane dzinoverengeka mabhanga Russian vakanga kwakaitwa vamwe hurongwa (semuenzaniso, Visa uye Mastercard) zvirango. Maps vakarega kushanda nehoro mira michina pakupa. Chinonyanya kunetsa ndechokuti Visa uye Mastercard muripo hurongwa chakavhara asina yambiro. About hafu yemiriyoni kadhi yokuisira mumapoka aya ari quandary. Asi sezvo muchiziva, masangano aya kuziva zvimwe pamwe chete Russian Federation, uye, naizvozvo, mwedzi miviri pashure chiitiko, international mubhadharo hurongwa, uye hurumende yakabvuma mberi basa makambani kuRussia. Panguva Nhaurirano, yakabvumira kugadziriswa kwemutemo wekuita vakaitwa kuti pamutemo Kuumbwa kwechokwadi kwaiva Russian Federation "On National muripo hurongwa": Makambani vatorwa ita Quarterly raizoiswa chaiyo munhoroondo "Sberbank" mipiro nechokwadi kukura kota zuva hurongwa mari kuchinjirwa (kureva, vanenge mamiriyoni $ 100 neimwe ..).

Mune ramangwana, iyo kusangana pakati pakati subsidiaries ose Visa uye Master Card muchiRussia National mubhadharo hurongwa. Izvi achasika masangano maviri akasiyana. The State Duma akatotora akatanga bhiri nezvenyaya. Chimwe nyaya iri kuti kuchinjwa kuti rakabatana National kubhadhara hurongwa rese kutora mwedzi mumwe. Asi ichi ndicho chiyero zvakakodzera chinozoiswa kwenguva yakachengeteka zvikuru ezvoupfumi mamiriro ezvinhu munyika uye kuwana nzvimbo nomumwe Russian mugari.