Ukusuka ekwenziweni kwenkokhelo phakathi kwe-ABSA neCapitec kuyingxenye ebalulekile yokuthenga kwezezimali eNingizimu Afrika. Kwabaningi abasebenzisa amasevisi webhange ledijithali, ukufinyelela okusheshayo nokuvikelekile kwemali yedijithali kubaluleke kakhulu. Ukudlulisa imali phakathi kwalaba mabhangi kuvamise ukuthatha izinsuku ezingu-1-2 zokusebenza, ngokusho kwezinkokhelo ezijwayelekile. Ukuthi umuntu usebenzisa i-inthanethi noma uhlelo lokusebenza lwe-ABSA kubalulekile ekudaluleni i-imeyili eyenziwe ngendlela evamile yokudlulisa imali.
Yize izinkokhelo zivame ukuthatha izinsuku ezimbili zokusebenza, kufinyeleleka inkokhelo esheshayo eyaziwa ngokuthi i-Immediate Interbank Payments (IIP), ehlinzeka amakhasimende ngezindlela ezisheshayo zokuhambisa imali. Lokhu kubathuthukisi bokudijithali elula kubathuthukisa impilo ngenxa yezinzuzo zokudijithali. Ku-ABSA, lokhu kufaka phakathi izinkokhelo ezisheshayo, okuqinisekisa ukuthi abathengi nabathengisi bangakwazi ukwenza imali emkhunyeni wabo ngokushesha nokuphepha.
Ngokusebenzisa amasevisi afana ne-PayShap noma azimbandakanye namakhasimende edijithali, abantu banokuvikeleka kokugcina ulwazi lwabo luyimfihlo ngenkathi besheshisa izinkokhelo zabo. Lokhu akugcini nje ngokuqinisekisa ukuthola okubhekisekayo okusheshayo, kodwa futhi kushintshe indlela yokuthi abantu baseNingizimu Afrika bathuthukise inkambiso yemisebenzi yezimali yabo. Ngale ndlela, ezokuhwebelana naho akulula kimi kuphela kodwa nenqubo enconywayo yokuthutha nezinkokhelo ezikhona emakethe.
Indlela Yokuthumela Imali Kusuka ku-ABSA Iye ku-Capitec
Ukuthumela imali kusuka ku-ABSA kuya ku-Capitec kungenziwa kalula ngokusebenzisa i-online banking noma i-mobile banking app. Kubalulekile ukuqinisekisa ukuthi unazo zonke izidingo ezifanele ezifana nenombolo ye-akhawunti yomamukeli kanye nempumelelo yokusebenza ngogesi eyanele.
Ukusebenzisa I-Online Banking ne-App
Lapho usebenzisa i-online banking noma i-app ye-ABSA, ingxoxo iqala ngokuthi afake imininingwane yakhe yokungena ngemvume ezansi kwesikrini sokungena. Ube eseqhubeka ngokuchofoza ithebhu ethi Pay futhi akhethe ukuthumela imali.
Abasebenzisi bangangezela i-Capitec njengomamukeli omusha uma kunesidingo. Lapho ivuliwe inketho yamakhokhelo alandekayo, kufanele afake inombolo ye-akhawunti yomamukeli kudingekile ukuqinisekisa ukuhamba kwezimali okuyimpumelelo.
Ukusebenzisa Izinketho Zokukhokha Ngqo
Izinketho zokukhokhelwa kwezitshalo zingafaka izinketho zokukhokha ezisheshayo, okuvumela ukubhoda kwemali phakathi kwamasevisi amabhange. Izenzo zokuqala zibandakanya ukuthi woqobo aqhube ngokujwayelekile izindlela zemali.
Lokhu kuqinisekisa ukuthi imali ilayishwa ngokushesha. Qiniseka ukuthi imininingwane yesibophezelo ifakiwe kahle, njengamanje umthumeli unenkululeko yokuhlela izindleko ngokuqondile ngokusebenzisa lezi zindaweni zokusebenza ezisebenzisekayo.
Izinhlelo Zokusebenza ze-Banking ne-API
Ukusetshenziswa kwezinhlelo zokusebenza zebhange kanye nama-API sekuye kwasiza kakhulu ekuthuthukiseni izinkokhelo nezibsheleli zedijithali. Lokhu kubalulekile ekuthengiseni i-ABSA ne-Capitec lapho abasebenzisi befuna ukwenza izinkokhelo ngendlela elula futhi esheshayo.
Ukukhetha Uhlelo Lokusebenza Lebhange Lokukhokha
Uma ukhetha uhlelo lokusebenza lebhange lokukhokha, kubalulekile ukuqonda ukuthi imaphi amathuba nezinketho ezihlinzekwa yi-Capitec Bank App kanye nezinye izinhlelo zokusebenza zebhange ezahlukene. Izici ezinsiza zahlelo zokusebenza zifaka ukuthumela izimali, ukucwaninga imisebenzi yekhadi, nokuphepha okubanzi ukuze uvikele imininingwane yomuntu siqu.
Buzisa ngama-API afana ne-Absa Pay Ozow lapho ufuna ukuba nekhono lokuhlanganisa izimali zedijithali zokukhokha.
Ukusebenzisa i-API Yasebhange ukuze Uthumele Imali
Ama-API ayisisekelo ezinkampanini eziningi ezinamandla okuthumela imali phakathi kwamabhange. Ama-API ahlinzeka amapulatformu ayisisekelo ahlanganisa izinkampani nezinhlelo zokusebenza zebhange ngokuvulekile futhi kuphephile.
Izindlela zokusebenza ne-API ye-Absa kanye namanye ama-API ayisisekelo afana ne-Absa Pay API ehlanganisiwe, inika amandla amabhizinisi okusungula izinhlelo zokusebenza ebeza kalula ukusetshenziswa. Ziyafa zamukelwa izinkokhelo eziphephile kokuhlangenwe nakho kwezinhlelo zokusebenza eziphelele kubasebenzisi, kuhlanganisa i-Capitec Pay.
Imali Eyenziwa Ngokushesha kanye ne-Debit Orders
Ukusebenzisa izindlela ezahlukene zokuhlela izimali kungaba usizo olukhulu kubasebenzisi abafuna ukukhokha ngokushesha ngebhange i-Capitec noma i-ABSA. Izinsiza ezinjengemali eyenziwa ngokushesha kanye nezikhokhelo zedebithi zidlala indima ebalulekile ekwenzeni lula izi-payment’s.
Izinzuzo Zokwenza Imali Ngokushesha
Imali eyenziwa ngokushesha inikela abasebenzisi amathuba ukukhulula izimali ngesikhathi esifanele. Lokhu kunciphisa isikhathi sokulinda emisakazini futhi kunikela ngenhlalakahle yokwazi ukuthi ezinye izimali sezidlulile.
Ukusebenzisa indlela yemali eyenziwa ngokushesha kuvumela abasebenzisi ukuba bakhokhe, amazwe ahlanganisayo angahlanganiswa kalula futhi indawo yokuhambisa inikela indlela yekhisi ngokuphepha. Lena kuyindlela ewusizo ikakhulukazi kulabo abasebenzisa ukuthengiselana okubalulekile kwansuku zonke.
Ukuhlela izi-Debit Orders Ngokukhokha Imali
Ukuhlela i-debit order ngokusebenzisa Capitec Bank noma kuhlelo lwe-ABSA kunika amandla abasebenzisi ukuba bazihlelele izindleko zabo ngelanga elinqunyiwe njalo ngenyanga. Lokhu kuyindlela elula yokuhlela izinkokhelo ngaphandle kokukhathala.
Idizayini esebenzayo ye-online banking ye-Capitec isiza abasebenzisi ukuhlela ezi-debit orders ukuze zihole ukuthi izimali zihlawulwe ngokuzinzile. Lokhu kuqinisekisa ukuthi zonke izinkokhelo ezenziwe zihlala zinembile futhi azikho iziphakathi. Umsebenzisi anamandla okwengeza futhi ukuqinisekisa ukuhlawulwa kwezimali ezidingekayo ngesikhathi esibekiwe.
Ukukhetha Uhlobo Lwe-Akhawunti kanye Nezinhlobo Zokukhokha
Ukukhetha uhlobo lwe-akhawunti yasebhange kanye nesiphakamiso sokukhokha kubaluleke kakhulu ngokuhambisana nezidingo zomuntu ngamunye. Isinqumo singenza umehluko omkhulu ekuhlaleni kwezidingo zakho.
Ukubheka Uhlobo Lwe-Akhawunti Yasebhange
Uhlobo lwe-akhawunti alunqumi kuphela izinsizakalo ozitholayo kodwa futhi nemibandela yokukhokha. Izinketho ezithandwayo zibandakanya i-akhawunti ejwayelekile, i-akhawunti yokonga, kanye ne-Premium. Standard Bank, Nedbank, ne-Capitec Bank zinikeza izinhlobo ezahlukene ezihambisana nezidingo zabathengi. Ngokwesibonelo, i-Capitec ngethule imodeli enhle yokonga. Kungcono ukuqhathanisa izici ezifana nezinye izinkokhelo nezinzuzo kulolu luhlu.
Iziyalezo Zokukhetha Indlela Yokukhokha
Indlela yokukhokha okukhethayo ingaba nomthelela omkhulu ngesikhathi nesivinini sokuthengiselana. Izindlela ezidumile zibandakanya imali esheshayo ezifana ne-PayShap, izinkokhelo ezijwayelekile, kanye nezinkokhelo ngokuzenzekelayo ezivela ku-akhawunti. Kubalulekile ukuthi uqaphele izipesheli nezingqungquthela. I-Capitec Bank isingathwe kahle ngokuhlinzeka ngezinto ezibanzi zokukhokha zedijithali ukuvumela ukukhokha okuphephile. Ukuqhathanisa nezinkokhelo ezihlinzekwa yi-Standard Bank kungasiza ekwenzeni izinqumo ezinolwazi.