Yintoni omawuyithathele ingqalelo xa uthenga iirejista zemali ngo-2025

Ngelixa igama elithi "irejista yemali" lisenokubonakala liyinto yakudala kweli xesha ledijithali eliphawulwe ngokunyuka kweenguqulelo zedijithali, iirejista zemali ziseyinxalenye ebalulekileyo yorhwebo, kwaye abathengi abasuka kuluhlu lwamashishini basajonge ukuzifumana.

Kweli nqaku, siza kubonelela abathengisi malunga nento ekufuneka beyazi malunga neerejista zemali, bejonga iintlobo zeemodeli ezikhoyo kwimarike. Emva koko siya kuphonononga imeko yangoku yemarike yerejista yemali yehlabathi, sinika iinkcukacha malunga nobungakanani bemarike yangoku, abaqhubi abaphambili, kunye nokukhula okuqikelelweyo kwemarike. Eli nqaku liza kubeka phambili ezona zinto ziphambili ekufuneka abathengi bamashishini baziqwalasele xa bethenga iirejista zemali ngo-2025.

Isiqulatho
Iintlobo zeerejista zemali kwimarike
Isishwankathelo semarike yerejista yemali yehlabathi
Izinto ezi-6 ekufuneka ziqwalaselwe xa kuthengwa iirejista zemali
Imali kwimarike ekhulayo

Iintlobo zeerejista zemali kwimarike

Kukho ngoku ezine iintlobo eziphambili ze iirejista zemali ekhoyo kwiimarike apho abasebenzisi kumashishini ahlukeneyo banokukhetha kuwo. Ezi ziquka:

Iirejista zemali ze-elektroniki

Iirejista zemali ze-elektroniki zisetyenziswa zizo zonke iindlela zamashishini ukurekhoda iintengiselwano zentengiso kunye nokusetyenzwa kweentlawulo. Olu hlobo lomatshini ludla ngokuyilwa kunye nedrowa yemali, ikhibhodi okanye isikrini sokuchukumisa, kunye nomshicileli.

Abanye baba matshini baquka izikena zebhakhowudi ezisetyenziselwa imisebenzi esisiseko yoluhlu lwempahla. Iirejista zemali ze-elektroniki zithande ukuba neendleko eziphantsi zokumisela kwaye kube lula ukuzisebenzisa, nto leyo ezenza zibe yinto ekhethwayo kubathengisi abaninzi abancinci.

Iirejista zemali zePOS

Indawo-yentengiso (POS) iirejista zemali ziinkqubo zekhompyutha ezisetyenziswa ngamashishini ekurekhodeni nasekulandeleni iintengiselwano zentengiso. Ezi ntlobo zeerejista zemali zinika abathengisi uluhlu lwemisebenzi eguquguqukayo, kubandakanya ingxelo yokuthengisa, ulawulo lwempahla, ulawulo lwenkqubo yokuthembeka, kunye nolawulo lobudlelwane bomthengi.

Iirejista zemali eziphathwayo

Njengoko lo gama libonisa, iirejista zemali eziphathwayo ziyilelwe ukusetyenziswa ekuhambeni. Ziza kunye neebhetri ezakhelwe ngaphakathi kwaye zifanelekile kumashishini ahambahambayo, ukuthengiswa kwangaphandle, kunye neendawo zokuthengisa apho abasebenzisi bengenawo umbane.

Ezi rejista zidla ngokuza nomshicileli werisithi kunye nephedi yamaqhosha. Ngelixa ezinye iimodeli eziphambili zinokubandakanya izikena zebhakhowudi kunye nabafundi bekhadi lebhanki.

Iirejista zemali ezisekwe kwilifu

Iirejista zemali ezisekelwe kwifu ziphezulu kakhulu zobuchwepheshe, njengoko zibonelela ngobuninzi bokusebenza kweerejista zemali zemveli kodwa zikwaqhagamshelwe kwi-intanethi, kunye noqhagamshelwano lwamafu oluvumela ukuba lufikeleleke naphi na.

Amashishini aneendawo ezininzi aya kukhetha olu hlobo lwerejista, njengoko evumela ukuba kubekho ukungafihli malunga nedatha yokuthengisa ngaphakathi kwamasebe emali ngelixa ekwaneempawu zokhuseleko ezikhethekileyo ukukhusela loo datha.

Isishwankathelo semarike yerejista yemali yehlabathi

Ingxelo evela kuPhando lweMarike iPulse ibonisa ukuba imarike yerejista yemali yehlabathi "ibhalisa" ukukhula okungaguqukiyo, ngexabiso lemarike le-US $ 74 yebhiliyoni ngo-2023 kwaye kuqikelelwa ukufikelela kwi-US$ 138.79 yezigidigidi ngo-2031.

Oku kukhula kukhuthazwa kukusetyenziswa okwandisiweyo kweerejista zemali ze-elektroniki kuluhlu lweemeko zokuthengisa. Inkqubela phambili yezobuchwephesha ikwavumele ukudityaniswa kwenkqubo yentlawulo yedijithali, ukuvumela abathengisi kunye nabathengi ukuba bathengiselane besebenzisa amakhadi ebhanki, iiselfowuni, kunye ne-cryptocurrency.

Ngokuphathelene nokusasazwa kwengingqi, uMntla Merika yayiyeyona ntengiso inkulu ngo-2024, ibalwa malunga I-40% yengeniso yehlabathi. IYurophu ifumene ukukhula ngokukhawuleza kwemarike njengoko inguqu yedijithali, ukucuthwa komthwalo wolawulo, kunye neendlela zokuthobela irhafu zivula iindlela zokukhula.

Izinto ezi-6 ekufuneka ziqwalaselwe xa kuthengwa iirejista zemali

Ngoku ekubeni sinolwazi oluthile lwemarike ngethemba elithembisayo leerejista zemali kule minyaka imbalwa izayo, lixesha lokujonga izinto eziphambili kunye nezinto ekufuneka abathengisi baziqwalasele xa besongeza iirejista zemali kwi-inventri yabo.

1. Ubungakanani beshishini kunye neemfuno

Into yokuqala ekufuneka abathengi bayiqwalasele xa befuna iirejista zemali bubungakanani kunye neemfuno zamashishini abo ajolise kubo abathengi. Oku kunokusukela kumashishini amancinci ukuya kumashishini aphakathi namakhulu. Zonke zineemfuno ezahlukeneyo kumashishini abo, ukwenza iirejista zemali ezithile zilungele imisebenzi yabo ngelixa abanye bengafaneleki.

Umzekelo, ukuba ishishini linomthamo omkhulu woluhlu lweempahla kwaye ukukhula okubonakalayo kubonwa kwangaphambili ngaphakathi kwecandelo, ukhetho olungcono luya kuba yinkqubo yePOS ebanzi eza kunye Iskena sebhakhowudi.

Ukuba, nangona kunjalo, ishishini lomthengi ekujoliswe kulo lincinci, linoluhlu lwempahla oluncinci, okanye intengiselwano embalwa, ngoko ke iirejista zemali eziqhelekileyo zinokwanela.

2. Iimpawu zokhuseleko

Into elandelayo abanini bamashishini abaninzi abayiqwalaselayo xa bejongana nemali yabo lukhuseleko lwemali yabo. Yiyo loo nto kubalulekile ukuqwalasela iimpawu zokhuseleko ezingundoqo kwiirejista zekheshi ezahlukeneyo, njengoko oku kuya kuqinisekisa ukhuseleko lwemali eziinkozo zamashishini, iitshekhi, kunye nolwazi lwentlawulo ye-elektroniki.

Iirejista zemali eziphathekayo zinokubandakanya iimpawu zokhuseleko ezifana iidrowa zokutshixa ukuze abantu abangagunyaziswanga bafikelele kwimali yeshishini kunye neetshekhi. Basenokuba nezixhobo ezifana neebhokisi zokulahla imali kwizixa ezikhulu zemali ekufuneka zifakwe kwaye zigcinwe.

Iimpawu zegama lokugqithisa ziimpawu zokhuseleko ezibalulekileyo ekufuneka ziqwalaselwe njengoko zithintela ukufikelela kwirejista yemali kunye nolwazi olunovakalelo lwentlawulo yomthengi.

3. Ukulandelela uluhlu lwempahla

Njengoko bekutshiwo ngaphambili, iirejista zemali azenzi kuphela umsebenzi wokurekhoda ukuthengisa, kodwa ezinye iimodeli ziyakwazi ukulandelela uluhlu lwempahla kumasebe ahlukeneyo. Iimodeli ezinjalo zivumela abanini bamashishini ukuba babeke iliso kwintengiselwano yabo yemihla ngemihla ngelixa bebanika amandla okugcina umkhondo wokuba zingaphi na iimveliso abanazo.

Oku kwenza ukuba amashishini alungelelanise iinkqubo zawo, alondoloze ixesha kwaye athintele ekuphulukaneni neentengiso kuba ephelelwa ziimveliso ezithile.

Ke, ukuba abathengi ekujoliswe kubo bane-inventri enkulu, ke a Inkqubo yePOS eliza kunye noluhlu lokulandela umkhondo luya kubalungela. Nangona kunjalo, ukuba abathengi ekujoliswe kubo banoluhlu olulinganiselweyo, ngoko ke irejista yemali esisiseko inokwanela.

4. Iinketho zokuprinta iirisithi

Ukufumana enye inxalenye ephambili yentengiselwano yezemali exabisekileyo kubo bobabini umthengisi kunye nomthengi, njengoko isebenza njengerekhodi elisemthethweni leentengiselwano ezisetyenziselwa ukubalwa kwemali kunye neenjongo zokufayilisha irhafu.

Unaloo nto engqondweni, kubalulekile ukuba abathengi bafumane iirejista zemali ezinika iinketho zokuprinta iirisithi ezihlangabezana neemfuno ezahlukeneyo zabathengi. Kukho iintlobo ezahlukeneyo zabashicileli berisithi zeerejista zemali, kuquka iinketho zeribhoni ezishushu kunye noshicilelo.

Iiroli ze-Thermal zisebenzisa ubushushu ukuvelisa umbhalo kwiphepha lerisithi, ngaloo ndlela isusa imfuno ye-inki. Shicilela iribhoni iiprinta zerejista yemali, kwelinye icala, ixabiso elincinci, kodwa bane-disadvantage yokuhambisa umbhalo kwiirisithi ezingacacanga kakhulu. Ngoko ke abathengi kufuneka baqwalasele iindleko zexesha elide leenketho ezahlukeneyo zokuprinta iirisithi kumashishini abo abathengi.

5. Ukulungiswa kwentlawulo ye-Zero-indleko

Ngokwemveli, iintlawulo bezibandakanya iirejista zemali ezisetyenziswa kwivenkile, kodwa iintlawulo kweli xesha ledijithali ziye zanzima kakhulu. Iinkqubo ze-POS ngoku zibandakanya iinqwelo zokuthenga kwi-intanethi kunye neenkqubo ezahlukeneyo zokuphuma. Amashishini kufuneka ajongane neentlawulo zeselula kunye neeterminals ezibonakalayo.

Kuyo yonke le nto, amashishini kufuneka asebenzisane nababoneleli ngeenkonzo zabarhwebi (MSPs), abanokusebenzisa okanye bangasebenzisi imirhumo yokucubungula. Kungenxa yoko le nto kufuneka ibe yingqwalasela ephambili kubathengi beerejista yemali, njengoko ezinye iinkonzo ezinxulumene neemodeli ezithile zinokubeka intlawulo yokuhlawula okanye intlawulo eyongezelelweyo emva koko idluliselwe kubathengi, okukhokelela kwiindleko ezongezelelweyo. Ukuze ugweme ukulahlekelwa ngabathengi okanye ukulahlekelwa kwiintengiso, abathengi kufuneka bavavanye ngokucophelela iindlela ezahlukeneyo kunye neendleko zokuqhuba intlawulo ezinxulumene nazo.

6. Amaqhosha erhafu

Kwiindawo zokuthengisa, kuya kubakho izinto ezirhafiswayo nezingarhafiswayo, okanye kwezinye iimeko, iirhafu ezahlukeneyo zerhafu, kubandakanywa i-GST, i-VAT, kunye ne-PST, ngokuxhomekeke kwimveliso kunye nendawo. Ukuthathela ingqalelo amashishini abathengi, abathengi kufuneka bafune iirejista zemali ezikwaziyo ukubonelela ngemisebenzi yerhafu efunekayo ukuze amashishini agcine ukuthotyelwa kwerhafu.

Imali kwimarike ekhulayo

Ukukhetha irejista yemali eyiyo sesinye sezona zigqibo zibalulekileyo eliya kwenziwa lishishini. Abathengisi abajonge ukongeza iirejista zemali kwi-inventri yabo banokuncedisa abathengi babo ngokusebenzisa isikhokelo sokuthenga esingentla kwaye bethathela ingqalelo ubungakanani kunye neemfuno zamashishini abathengi, kunye neempawu zokhuseleko, ukulandelela uluhlu lwempahla, iinketho zokuprinta iirisithi, kunye neendleko zokuqhuba intlawulo eziza kunye neemodeli ezahlukeneyo zerejista yemali.

Imfuno yerejista yemali ikhula kwihlabathi jikelele, kwaye abathengi banokungena kule marike ngokudlula kukhetho olukhulu lweemodeli zerejista yemali ezikhoyo kumaqonga afana Chovm.com ukwenza isigqibo esifanelekileyo.