Ndi Antchito Amene Amafunika Kudziwa
Kodi Malipiro Okhapira Ngongole Ndi Otani?
Nthawi iliyonse imalipilira, makadi awa (omwe amaperekedwa ndi abwana) amanyamula mosavuta ndi malipiro a wogwira ntchito. Makhadi angagwiritsidwe ntchito ngati makadi a debit; wogwira ntchitoyo angagwiritse ntchito khadi kuti agule zinthu, alandire ndalama kubwerera, ndikuchotsa ndalama ku ATM.
Makhadi ena amalola ngakhale antchito kulipira ngongole molunjika ndi khadi.
Makampani ambiri akuluakulu, makamaka omwe ali ndi antchito angapo ola lililonse, ayamba kupereka makadi a ngongole ngati ndalama. WalMart, Taco Bell, Walgreens, ndi franchises ena a McDonald, mwachitsanzo, ayamba kupereka makhadi oyenera kubweza. Olemba ntchito ena amagwira ntchito makadi adiresi monga njira yoti antchito adzalandire madalitso monga fomu komanso zachipatala.
Mapindu a Payroll Makhadi Debit
Pali malingaliro angapo a makadi adipiriti, kwa abwana ndi antchito. Olemba ntchito, mwachitsanzo, asungire ndalama mwa kutulutsa mapepala kwa antchito. Makampani aakulu ndi antchito ambiri akhoza kusunga madola zikwi njira iyi. Kwa ogwira ntchito, makadi a ngongole a malipiro amapereka mofulumira, kubwereka mokhulupirika kwa malipiro awo. Ogwira ntchito sayenera kubwera ku ofesi kukatenga malipiro awo kapena kupita ku banki kapena kusungirako ndalama.
Khadi Limapereka Kudalirika
Antchito omwe ali ndi khadi la debit sayenera kunyamula ndalama zambiri, zomwe zingabedwe. Ngati khadi la ogwira ntchito laba kapena lacheka, makampani ambiri amapereka chitetezo chachinyengo ndipo amupatsa khadi latsopano.
Khadi Limaperekanso Kukhazikika
Ogwira ntchito amatha kubweza malipiro ochokera kwa olemba ntchito ambiri pa khadi, ndipo ngakhale kutenga khadi nawo pamene akusintha ntchito.
Anthu Amene Alibe Akaunti Yabanki Amapindula Kwambiri
Izi zikukhudza anthu pafupifupi 17 miliyoni, malinga ndi kafukufuku wa 2011 wa Federal Deposit Insurance Corporation). Antchito awa sangathe kutenga nawo mbali mwachindunji zosankha za kulipira chifukwa alibe akaunti zabanki. Choncho, ogwira ntchitowa amafunika kudalira ntchito zowonetsera ndalama kuti azilipira ndalama zawo, zomwe zingakhale zodula.
Ogwira Ntchito Nawonso Akutsimikiziridwa Zosungirako Zogula
Kampani yomwe imagwiritsa ntchito khadi, osati abwana a khadi, idzayang'ana zomwe wogwira ntchitoyo amatha.
Makhadi Olepheretsa Kulipira Malipiro
Makhadi olembetsa ndalama amaoneka kuti ndi opambana-phindu: abwana amasunga ndalama mwa kupereka macheke, ndipo wogwira ntchitoyo amalandira malipiro odalirika omwe angagwiritse ntchito m'njira zosiyanasiyana. Komabe, pali zovuta zambiri zomwe zingatheke ku makadi awa:
- Nkhani yaikulu ndi ndalama zowoneka.
- Ena amapereka makhadi olemba mapepala pazochitika zofanana monga kulandira ndemanga pamapepala, kulembera, kulemba makhadi, kutumiza ndalama ku akaunti ina, kupanga ndalama zambiri pa ATM zambiri, komanso osagwiritsa ntchito khadi kwa nthawi.
- Kwa ogwira ntchito pa ola limodzi ndi a nthawi yochepa, malipiro ochepetsera ndalama angathe kuwonjezera mwamsanga.
Zimene Mungachite Ngati Mukufuna Kutuluka
Mukasankha ngati mukufuna kutenga nawo mbali ndondomeko ya khadi lanu la ndalama, muyang'ane mwatsatanetsatane dongosolo lomwe kampani yanu ikupereka.
Kodi pali malipiro angapo ozungulira kugwiritsa ntchito khadi? Kodi pali ndondomeko ina ya malipiro yomwe ingakhale yabwino kwa inu? Ngati ndi choncho, mungasankhe kuchoka pa ndondomeko ya khadi la debit.
Antchito ambiri amene samafuna kulipidwa kudzera pa khadi labititi la ndalama amatha kusankha kusankha njira yolipira, monga malipiro kapena malipiro enieni. Komabe, olemba ena agwiritsa ntchito makadi a malipiro, zomwe zimabweretsa mavuto. Posachedwa, wogwira ntchito pa McDonald's franchise adatsutsa ufulu wake wokakamiza kuti agwiritse ntchito khadi la malipiro kukangana kuti apatsidwe zina.
Ena amalola ogwira ntchito kuti asiye mapepala a papepala potsinthanitsa makadi apadera kapena malipiro, koma mayiko ena sakuwonekeratu za zomwe malipiro omwe olemba ntchito ayenera kuwapatsa antchito awo. Nazi mndandanda wa malamulo a boma pankhani ya kulipira malipiro.
Komabe, muyang'ane ndi ofesi yanu ya Dipatimenti ya Ntchito pa malamulo atsopano.
Ngati mukufuna kuchoka pa mapulani a khadi la ndalama za kampani yanu, koma osapatsidwa mwayi wochita zimenezo, muyenera kuyesa kukambirana nkhaniyo ndi abwana anu (ngati n'kotheka, kudzera mu dipatimenti ya anthu).
Ngati izi sizigwira ntchito, muyenera kulankhulana ndi Bungwe la Chitetezo cha Banja la Consumer kapena ofesi ya boma. Kaya mwasankha kugwiritsa ntchito kapena kuchotsa ndondomeko ya debit yolipira, onetsetsani kuti muyang'anitsitsa ndondomeko yanu ya malipiro a kampani yanu ndikuyesa nokha ndalama zanu musanasankhe zochita.
Zindikirani: Zomwe amapereka ndizodziwitsa okha, ndipo sizinapangitse uphungu walamulo.