Amarekhodi erejista yemali


Izivumelwano zerejista yemali - isisekelo sezinhlelo zokukhokha zesimanje

Isingeniso: Ayini amaphrothokholi erejista yemali futhi asetshenziselwa ini?

Ezweni lezinkokhelo ezingenakheshi, izivumelwano zerejista yemali zibalulekile ekuxhumaniseni amasistimu erejista yemali namatheminali okukhokha. Zichaza ukuthi la madivayisi axhumana kanjani namanye futhi aqinisekise ukucutshungulwa kokukhokha okuphephile nokusebenza kahle.

Iphrothokholi ngayinye yerejista yemali inamandla ayo, ubuthakathaka kanye nezidingo zobuchwepheshe. Ezinye zisebenza kuphela kumanethiwekhi endawo, kanti ezinye zilungele amafu. Ngokunjalo, amanye amaphrothokholi adinga i-ID yesiphetho sezinombolo ukuze uhlonze ngokukhethekile ukuphela.

Izinzuzo zephrothokholi yerejista yemali ekhethwe kahle:
Ukuthengiselana okusheshayo nokuthembekile
Ukuhlanganiswa okulula ezinhlelweni ezikhona zerejista yemali
Ukuvikeleka okuphezulu ngokusebenzisa izixhumanisi ezijwayelekile
Ukuxhumeka kwamafu kungenzeka ekuphathweni okuphakathi

Lapha sikwethulela amaphrothokholi erejista yemali ebaluleke kakhulu enezici zawo, izinzuzo kanye nokubi.

Konjiniyela nabahlanganisi, amaphrothokholi abhalwe ngokucacile ayingxenye yempumelelo ebalulekile.

Uhlolojikelele lwamaphrothokholi erejista yemali ebaluleke kakhulu



I-ZVT (Izinga Letheminali Yokukhokha)

I-ZVT iyindinganiso esetshenziswa kakhulu emazweni akhuluma isiJalimane ekuxhumaneni phakathi kwezinhlelo ze-POS namatheminali okukhokha. Isekelwe ekuxhumekeni kwenethiwekhi yendawo futhi idinga i-ID yesiphetho sezinombolo.

Inikwe amandla amafu? Cha, amanethiwekhi endawo kuphela
Idinga i-ID yetheminali yezinombolo? ! Yebo

Izinzuzo:
Izinga elifakazelwe futhi elisetshenziswa kabanzi eJalimane
Ukuhambisana okuphezulu nezinhlelo eziningi zerejista yemali
Ukusebenza okuzinzile nokuthembekile

Ububi:
Akukho ukuhlanganiswa kwamafu okungenzeka
Ukuvumelana nezimo okukhawulelwe kwesimanje, amasistimu asekelwe ku-API
Ayilungele izimakethe zamazwe ngamazwe



I-REST API

I-REST APIs inika amandla ukuxhumana kwesimanje phakathi kwerejista yemali netheminali yokukhokha ngezinkundla zokuxhumana. Aguquguquka ngokukhethekile futhi ngokuvamile anikwe amandla amafu.

Inikwe amandla amafu? Yebo
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Inkundla ezimele futhi nezimo
I-scalable yamafu namasistimu aku-inthanethi
Ilungele izinhlelo zesimanje zerejista yemali

Ububi:
Kudingeka uxhumano lwe-inthanethi
Ukuqaliswa okuyinkimbinkimbi okwengeziwe
Kuncike ekutholakaleni kwe-API yomhlinzeki



Cloud REST API

Lokhu okuhlukile kwe-REST API kusekelwe efwini ngokuphelele futhi kunika amandla ukuphathwa okumaphakathi kwamatheminali okukhokha nge-inthanethi.

Inikwe amandla amafu? Yebo
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ayikho ingqalasizinda yendawo edingekayo
Kuyalawuleka ezindaweni ezimaphakathi ezitolo zamaketango
Kuyanwebeka futhi kuyavumelana nezimo

Ububi:
Kuncike ekuxhumekeni kwe-inthanethi okuzinzile
Qaphela izimfuneko zokuvikela idatha
Ukubambezeleka okungenzeka ngenxa yokuxhumana kwamafu



I-OPI (Open Payment Interface)

I-Open Payment Interface (O.P.I) iyisixhumi esibonakalayo sokuxhumana phakathi kwamasistimu e-POS namatheminali okukhokha, esetshenziswa ikakhulukazi ezimakethe zamazwe ngamazwe.

Inikwe amandla amafu? Cha, isebenza kumanethiwekhi endawo kuphela
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ukuphepha okuphezulu nokuzinza
Isekela izindlela zokukhokha ezihlukahlukene
Kuyasebenziseka emhlabeni jikelele

Ububi:
Alukho uxhumano lwamafu olungenzeka
Ukuhlanganiswa okuyinkimbinkimbi kunezixazululo zesimanje ze-API
Ayisetshenziswa kabanzi njenge-ZVT noma i-REST API



ep2 (EFT/POS 2000)

I-ep2 iyindinganiso yokukhokha eyakhiwe e-Switzerland eqinisekisa ukuxhumana okufanayo phakathi kwezinhlelo zerejista yemali namatheminali. Idinga i-ID yetheminali yezinombolo.

Inikwe amandla amafu? Cha, amanethiwekhi endawo kuphela
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Isixazululo esijwayelekile eSwitzerland
Amazinga aphezulu okuphepha
Isixhumi esibonakalayo esilinganayo sabahlinzeki abahlukene

Ububi:
Ilinganiselwe emakethe yaseSwitzerland
Akukho ukuhlanganiswa kwamafu okungenzeka
Iguquguquka kancane kunezixazululo zesimanje ze-API



myPOS

I-myPOS iyisixazululo sesimanje sokukhokha ngamafu esingadingi ingqalasizinda yendawo.

Inikwe amandla amafu? Yebo
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Kulula ukuyisebenzisa
Isekelwe efwini ukuze kube nokuguquguquka okukhulu
Isekela izindlela eziningi zokukhokha

Ububi:
Kuya ngomhlinzeki we-myPOS
Izinketho ezilinganiselwe zokwenza ngokwezifiso
Kudingeka uxhumano lwe-inthanethi



I-NEXO

I-NEXO iyindinganiso eyaziwa emhlabeni wonke yemisebenzi yokukhokha enikeza ukusebenzisana nokuphepha.

Inikwe amandla amafu? Yebo
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ubufakazi besikhathi esizayo futhi bunwebeka
Kwaziwa emhlabeni jikelele
Isekela amafu kanye namanethiwekhi endawo

Ububi:
Ukuqaliswa okuyinkimbinkimbi
Ayikasungulwa yonke indawo
Umzamo wokuqeqesha ophakeme



ISO 20022

Izinga lokukhokha lomhlaba wonke elibaluleke kakhulu kumabhange nabahlinzeki bezinsizakalo zezezimali.

Inikwe amandla amafu? Yebo
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Indinganiso yobufakazi besikhathi esizayo
Isekela amafomethi amaningi okukhokha
Ukuphepha okuphezulu

Ububi:
Iyinkimbinkimbi futhi akulula ukuyisebenzisa ngaso sonke isikhathi
Izindleko eziphakeme zokulungiswa
Ikakhulukazi eyamabhange, incane eyokudayisa



SIX (TIM)

Iphrothokholi yokuphathelene Yezinsizakalo Zokukhokha EZINSITHU, evame ukusetshenziswa e-Switzerland.

Inikwe amandla amafu? Cha
Idinga i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ukuphepha okuphezulu
Ilungiselelwe ngokukhethekile imakethe yaseSwitzerland
Ukusebenza okuzinzile

Ububi:
Akusatshalaliswanga emhlabeni jikelele
Awekho amandla efu
Ukuvumelana nezimo okulinganiselwe



Umhlinzeki / Umhlinzeki weSoftPOS ungumnikazi we-POS protocol API

Abatholi abaningi (abacubunguli benkokhelo) nabahlinzeki beSoftPOS (abahlinzeki bamatheminali okukhokha asekelwe kusofthiwe) banikela ngama-API wabo wokuhlanganiswa kwerejista yemali. Lawa ma-API enzelwe ngokukhethekile amasistimu awo okukhokha futhi anika amandla ukuxhumeka okuqondile kuplathifomu yesitholi noma uhlelo lokusebenza lwe-SoftPOS.

Inikwe amandla amafu? Yebo, ezimweni eziningi
Idinga i-ID yetheminali yezinombolo? ! Cha, i-ID yomthengisi ehlukile noma ukhiye we-API uvame ukusetshenziswa

Izinzuzo:
Ukuxhumeka okuqondile kusicubunguli sokukhokha ngaphandle kwabahlinzeki bezinkampani zangaphandle
Ukulawula okugcwele kwezinqubo zokukhokha
Ngokuvamile ukuqaliswa okulula ngobuchwepheshe besimanje be-API

Ububi:
Ukuncika kusitholi esifanele noma umhlinzeki weSoftPOS
Okungenzeka kube nokuguquguquka okuncane kunamaphrothokholi ajwayelekile
Izidingo zokusebenzisa ezihlukene kuye ngomhlinzeki
Ukushintshela kwesinye isitholi kungase kudinge ukulungiswa okuyinkimbinkimbi



Izivumelwano ze-Verifone FIPay / VX

I-Verifone inikeza isethi yayo yamaphrothokholi ezizukulwaneni ezahlukene zetheminali. Lokhu kusuka kumamodeli amadala e-VX kuye kumadivayisi esimanje asekelwe ku-Android ane-FIPay (i-Verifone's cloud-enabled API).

Inikwe amandla amafu? Yebo (FIPay) / Cha (amaphrothokholi amadala we-VX)
Kudingeka i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Kusatshalaliswa kabanzi, ikakhulukazi eYurophu naseNyakatho Melika
Ukusekelwa kwezindlela zokukhokha ezahlukahlukene (ikhadi lesikweletu, i-NFC, inkokhelo yeselula)
I-FIPay inika amandla ukuhlanganiswa kwamafu kwesimanje

Ububi:
Iphrothokholi yobunikazi, ngakho-ke ayiguquguquki kancane
Amaphrothokholi amadala we-VX awalungile
Ikhawulelwe kancane kumatheminali athile e-Verifone



I-Adyen Terminal API

I-Adyen inikezela ngokugcwele ngokucubungula ukukhokha okusekelwe ku-API okungahlanganiswa namatheminali aphathekayo, izinkokhelo ze-inthanethi nezixazululo ze-POS zamaselula. Okuthakaselekayo ikakhulukazi kubathengisi bamazwe ngamazwe abanesu le-omnichannel.

Inikwe amandla amafu? Yebo
Kudingeka i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ukuhlanganiswa kwe-API okuguquguquka kakhulu kwe-POS, i-eCommerce kanye neselula
Isekela ukukhokha ngaphandle kokuthinta kanye nezikhwama zedijithali (i-Apple Pay, i-Google Pay)
Ayikho i-ID yetheminali engaguquki edingekayo

Ububi:
Ukugxila okuqinile ku-Adyen ecosystem - ayihambisani kancane nabazuzi benkampani yangaphandle
Ukuqaliswa kokuqala kungase kudinge kakhulu ngokobuchwepheshe
Amamodeli entengo e-Adyen awalungile kubo bonke abathengisi



I-Stripe Terminal API

I-Stripe yaziwa ngokuyinhloko njengomhlinzeki wokukhokha ku-inthanethi, kodwa futhi inikeza isisombululo se-POS nge-Terminal API. Okuthakazelisa kakhulu iziqalo, izinkampani ze-e-commerce nabathengisi bamazwe ngamazwe abane-POS enikwe amandla ngamafu.

Inikwe amandla amafu? Yebo
Kudingeka i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ukuhlanganiswa kwe-API okulula kakhulu kwe-POS nezinkokhelo eziku-inthanethi
Isixazululo esisheshayo sabathengisi abanezindawo eziningi
Isekela izindlela zokukhokha zesimanje (isb., i-Apple Pay, i-Google Pay)

Ububi:
Ukugxila okuqinile ku-Stripe ecosystem - ukuguquguquka okuncane kubantu besithathu
Akubona bonke abatholi abasekelwayo
Izindleko zokwenziwe eziphakeme uma kuqhathaniswa nabahlinzeki bendabuko



I-CB2 (Cartes Bancaires - France)

I-CB2 iyiphrothokholi esetshenziswa kakhulu e-France ekukhokheleni ikhadi lesikweletu neledebhithi. Isetshenziswa amabhange amaningi nabathengisi baseFrance futhi ixhunywe eduze nenethiwekhi yokukhokha ye-Cartes Bancaires.

Inikwe amandla amafu? Cha, amanethiwekhi endawo kuphela
Kudingeka i-ID yetheminali yezinombolo? ! Yebo

Izinzuzo:
Kwandile eFrance
Ukuxhumana okuqondile namabhange aseFrance
Ilungiselelwe imisebenzi kazwelonke

Ububi:
Alukho usekelo lwamafu lomdabu
Ukusetshenziswa kwamazwe ngamazwe okukhawulelwe
Ubunikazi futhi uboshelwe ngokuqinile eFrance



I-J/XFS (i-Java/eXtensions Yezinsizakalo Zezezimali)

I-J/XFS iyindinganiso evulekile yezinhlelo ze-POS nama-ATM. Inika amandla ukuxhumeka okuvumelana nezimo kwamatheminali okukhokha, ama-ATM namanye amadivaysi ezezimali nge-API ezimele yesikhulumi.

Inikwe amandla amafu? Cha (ukuhlanganiswa kwendawo)
Kudingeka i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Isixhumi esibonakalayo esisezingeni samatheminali okukhokha ahlukahlukene
I-modularity enhle yamabhange nabathengisi abakhulu
Izimele kubakhiqizi betheminali

Ububi:
Akuvamile kakhulu kumasistimu erejista yemali yakudala
Ukuqaliswa kungase kube inkimbinkimbi
Alukho usekelo lwamafu lomdabu



I-ELM (Electronic Lock Management) - yamagalaji kaphethiloli & ne-e-mobility

I-ELM isetshenziselwa izinkokhelo zegalaji kanye ne-e-mobility. Ixhuma amasistimu erejista yemali namaphampu egesi noma iziteshi zokushaja ukuze unike amandla izinqubo zokukhokha ezingenazihibe.

Inikwe amandla amafu? Yebo
Kudingeka i-ID yetheminali yezinombolo? ! Yebo

Izinzuzo:
Iklanyelwe ngokukhethekile amagalaji kaphethiloli kanye neziteshi zokushaja nge-elekthronikhi
Ilungele amafu izixazululo zesimanje zokuhamba
Isekela izindlela zokukhokha ezahlukahlukene (ikhadi, uhlelo lokusebenza, i-RFID)

Ububi:
Kuncike kakhulu embonini - ayilungele abathengisi bendabuko
Ukuqaliswa kuvame ukutholakala kuphela ngabahlinzeki abakhethekile
Ukuncika okuqinile kubahlinzeki bengqalasizinda



Amaphrothokholi e-SoftPOS (ama-API aqondene nomtholi/umhlinzeki)

Izixazululo zeSoftPOS zinika amandla ukukhokha kwamahhala kwekhadi ngama-smartphone noma amaphilisi. Abatholi abaningi (isb. i-myPOS, i-SumUp, i-Adyen, i-Stripe, i-PayPal) bazenzele ezabo izivumelwano ze-API zeSoftPOS.

Inikwe amandla amafu? Yebo
Kudingeka i-ID yetheminali yezinombolo? ! Cha, i-ID yomthengisi ehlukile noma ukhiye we-API uvame ukusetshenziswa

Izinzuzo:
Ayikho i-hardware edingekayo - i-smartphone noma ithebhulethi yanele
Ivumelana nezimo futhi kulula kubathengisi abancane noma abahlinzeki besevisi beselula
Isekela ukukhokha ngaphandle kokuthinta (NFC, Apple Pay, Google Pay)

Ububi:
Ngokuvamile kukhawulelwe kubatholi abathile noma abahlinzeki
Akuwona wonke amabhange nabatholi abasekela iSoftPOS
Izindleko eziphakeme kakhulu ngokuthengiselana ngakunye



I-SumUp Terminal API

I-SumUp ingumnikezeli odumile wezinkokhelo zamakhadi eselula futhi, nge-Terminal API yayo, inikeza isixhumi esibonakalayo sokuhlanganiswa ezinhlelweni zerejista yemali, izinhlelo zokusebenza zeselula noma izitolo ze-inthanethi. I-API inika amandla amatheminali e-SumUp ukuthi axhumeke kalula ezinhlelweni ze-POS nezinkundla zamafu.

Inikwe amandla amafu? Yebo
Kudingeka i-ID yetheminali yezinombolo? ! Cha

Izinzuzo:
Ukuhlanganiswa okulula nokusheshayo nge-API
Ayikho i-ID yetheminali yezinombolo edingekayo
Ilungele abahwebi abancane, abantu abazisebenzayo kanye nabahlinzeki bezinsizakalo zamaselula
Isekela ukukhokha ngaphandle kokuthinta kanye nezikhwama zeselula (i-Apple Pay, i-Google Pay)

Ububi:
Kuya nge-ecosystem ye-SumUp - ayiguquki kalula kubantu besithathu
Izinketho ezilinganiselwe zokwenza ngokwezifiso zabathengisi abakhulu
Akubona bonke abatholi abasekela ukuxhumana okuqondile ne-SumUp, isb
Izindleko eziphakeme kakhulu ngokuthengiselana ngakunye



Isifinyezo
Ukukhetha iphrothokholi yerejista yemali efanele kuncike ezidingweni zomuntu ngamunye zenkampani. Ngenkathi i-ZVT ne-ep2 zifakazelwe, amazinga endawo, i-REST API ne-NEXO zinikeza ezinye izindlela zesimanjemanje, ezikwazi ukusebenza ngamafu. I-Cloud REST API kanye ne-myPOS zinika amandla ukuhlanganiswa kwamafu okulula, kuyilapho i-ISO 20022 ifaneleka ngokukhethekile kumabhange.

Isitholi noma ama-API e-SoftPOS anikezela ngoxhumano oluqondile kunkundla yokukhokha efanele futhi afaneleka ngokukhethekile abathengisi abafuna ukusebenzelana eduze nomhlinzeki wesevisi yokukhokha othize.

Ikakhulukazi ngokukhula kobunzima besistimu, iphrothokholi yerejista yemali efanelekile iqinisekisa izinqubo ezicacile nokuthembeka okuphezulu.

💡 Isincomo sethu

Uma ufuna ukuphepha okuphezulu nokuvumelana nezimo kwesikhathi esizayo, kufanele uthembele kusixazululo esisekelwe ku-API noma esinamandla wamafu.

Uma udinga ukuhlanganiswa okuqinisekisiwe, okuzinzile, ungasebenzisa izivumelwano zakudala ezifana ne-ZVT noma i-ep2.

Labo asebevele basebenzela eduze nesitholi noma umhlinzeki we-SoftPOS bangazuza kuma-API wabo wobunikazi.

Ingabe udinga umbiko othize noma ongafakwanga ohlwini lwerejista yemali? Sicela ukhululeke ukuxhumana nathi.

Ake sikweluleke ukuthi uthole isixazululo esifanelekile sezidingo zakho!