Me pēhea te whakapai ake a ngā mīhini hokohoko kore moni i te wheako kaihoko

I te mea ka neke haere ngā hoko o ia rā ki ngā kāri, waea, me ngā pēke matihiko, e tūmanakohia ana ka tukuna e ngā mīhini hoko te wheako utu tere, iti te waku rite tonu ki ētahi atu hongere hokohoko. Ehara i te mea ko te whakakapi i ngā moni me ngā pire anake ngā mahi a ngā pūnaha utu kore moni: ka whakaitihia ngā arai hoko, ka whakapoto i te wā tauwhitinga, ā, ka pai ake te noho o te ratonga-whaiaro mō ngā kiritaki kāore i te maha ngā moni e mau ana. E whakamārama ana tēnei tuhinga me pēhea te whakapai ake i te wātea o te hokohoko kore moni, te whakanui ake i ngā hoko kua oti, me te tautoko i te haerenga maeneene a te kaiwhakamahi mai i te kōwhiringa hua ki te utu, me te whakaatu anō hoki he aha te ngāwari o te utu kua noho hei whakaritenga whaihua i roto i te hokohoko aunoa o ēnei rā.

He aha te Hiranga o te Utu Kore Moni mō te Wheako a te Kaihoko

Kei te pāngia te umanga hokohoko aunoa e tētahi panonitanga hanganga e te hiahia o ngā kaihoko mō ngā tauhokohoko kore taupatupatu.Kua whanake haere te hokohoko utu kore monimai i te mea papai ki te whakaritenga taketake mō ngā mahi ratonga-whaiaro o ēnei rā. E whakaatu ana ngā raraunga ahumahi neke atu i te 70% o ngā kaihoko e pai ake ana ki ngā utu kāri, waea pūkoro rānei mō ngā hoko iti o ia rā, ā, ka tino whakarerekē i ngā tumanakohanga e whakatakotoria ana ki ngā taiao hokohoko aunoa.

I te whānui haere o ngā hokohoko kore-tātari ki ngā kāwai hua hou, ko te atanga utu te pūwāhi pa nui e tautuhi ana i te haerenga a te kaiwhakamahi. Ki te kore e whakahoutia tēnei atanga, ka puta he arai urunga tonu mō te hunga e tipu haere ana o ngā kaihoko mamati-tuatahi.

Te whakarerekē i ngā manakohanga utu me ngā tumanakohanga a te kiritaki

Kua tere haere te neke atu i te moni tūturu i roto i te tekau tau kua pahure ake nei. Kei te piki haere te whakawhirinaki o ngā kaihoko ki ngā waea atamai NFC, ngā mataarataki atamai, me ngā kāri maramara EMV hei whakahaere i ā rātou mahi o ia rā. Ina tūtaki ki tētahi mīhini moni-anake, he nui te hunga kaihoko o ēnei rā ka haere noa atu i te rapu i tētahi ATM, ka utu rānei i tētahi pire nui ake.

Ko te tikanga o tēnei panonitanga me whakarite e ngā kaiwhakahaere hokohoko ā rātou taputapu ki ngā pēke moni matihiko kua mau tonu i ā rātou kiritaki. Ko te tumanako kia tere te whiwhi i te makona matihiko ka horapa ki ngā taunekeneke hokohoko katoa, ā, ka noho tawhito, ka kore hoki e pai ki te kaiwhakamahi whakamutunga ngā whakamana moni me ngā pire tawhito.

Pānga ki te watea, te tahuritanga, me te makona

Ko te tango i te waku o te moni whiwhi ka hono tika ki te pikinga ake o ngā reiti tahuritanga. E whakaatu ana ngā rangahau ko ngā wāhi e whakauru ana i ngā kaipānui kore moni ka piki ake te rahinga tauwhitinga katoa ki te 25%. Mā te whakaurungā kōwhiringa hua matataue tautoko ana i ngā kēti utu maha, ka tino whakapai ake ngā kaiwhakahaere i te pai o ngā kaihoko.

Mā te ngāwari o te taunekeneke tere, ka huri te wheako whakarihariha hei ratonga maeneene. Ina mōhio ngā kaihoko ka taea e rātou te hoko pono i tētahi taonga me te kore e manukanuka ki te kawe i ngā momo utu motuhake, ka akiaki i te pakihi anō, ā, ka hanga i te pono ki te wāhi mō te wā roa.

Me pēhea te whakapai ake a ngā mīhini hokohoko kore moni i te wheako kaihoko

Ko te hononga tika i waenga i te kaihoko me te mīhini te mea e tohu ana i te angitu o te hokohoko aunoa. Mā te whakapai ake ki ngā pūnaha kore moni e aro tika ana ki ngā āhuatanga taupatupatu e tūpono ana i te wā hoko, ka māmā ake te tukanga mai i te kōwhiringa hua ki te tohatoha whakamutunga.

Kua whakaitihia ngā mamae o ngā kiritaki nā ngā utu kore moni

He rongonui ngā taputapu whakamana moni tuku iho mō te whakakore i ngā moni kua paku pakaru, te kore rānei e tuku i te moni tika, ka hua ake he wheako kino ki ngā kaiwhakamahi. Hei tāpiri, ko te 40% o ngā wā e kore ai e mahi ngā mīhini tuku iho e te aukati moni, ka waiho hei take mō ngā kaihoko me te utu nui ki ngā kaiwhakahaere.

Mā ngā pūnaha kore moni ka whakakorea te manukanuka mō te ngaronga moni ki tētahi kaiwhiwhi pire e kore e mahi tika, ā, ka tangohia te kawenga o te kawe moni tāpiri. Mā te karo i ngā whakamana moni tūturu, ka hangaia e ngā kaiwhakahaere he taiao hoko tino pono, tino matapaetia hoki, ka angitu te tauwhitinga i te nganatanga tuatahi.

Ngā pānga o te tere, te kōwhiringa utu, me te utunga kore pa

He mea nui te tere o te whakawhitiwhiti moni i ngā wāhi e nui ana te haere o te tangata pērā i ngā pokapū kawe waka, ngā whare wānanga, ngā rūma okiokinga tari rānei. Ahakoa e 12 ki te 15 hēkona te roa o te whakawhitiwhiti moni tuku iho i a ngā kaiwhakamahi e rapu moni ana, e whakauru ana i ngā pire, e tatari ana hoki mō te moni whakahoki, ko te tikanga ka oti te utu mā te pāwhiri-ki-te-utu kore pa i raro i te 3 hēkona.

Te whakaratongā kōwhiringa utu maha—tae atu ki a Apple Pay, Google Pay, me ngā kāri nama paerewa—ka whakarite kia kore he kaihoko e mahue kia kore e whiwhi ratonga. Ko te taha akuaku o te utu kore pa he mea e pai ana ki ngā kaihoko e aro nui ana ki te hauora, e pai ake ana ki te karo i te pā ki ngā mokamoka moni me ngā papapātuhi tiritahi.

Ngā Painga Whakahaere me ngā Painga Arumoni o te Hokohoko Utu Kore Moni

Ahakoa ko te kaiwhakamahi whakamutunga te tangata e whai hua tonu ana i te hokohoko utu kore moni, he rite tonu te nui o ngā painga whakahaere me ngā painga arumoni mō te pakihi. Mā te whakahou i te hanganga utu ka huri i te āhua pūtea o ngā mahi huarahi, ka whakaiti i ngā utu whakahaere me te whakapiki i te moni whiwhi.

Hokohoko kore moni me te hoko moni anake

Ko te whakawhirinaki anake ki te moni me mahi nui ki ngā huarahi kohikohi, tatau ā-ringa, me ngā moni tāpui peeke. He mōrearea kei roto i tēnei tauira tuku iho, tae atu ki te 2% ki te 4% te auau whakahekenga toharite nā te tahae, ngā hapa kaute, te whakahaere hē rānei o roto.

Mā te whakawhiti ki ngā utu matihiko ka tukuna haumaru ngā moni ki ngā pūkete kaihokohoko, ka tino whakaitihia ngā mōrearea haumarutanga ā-tinana me ngā utu mahi e pā ana ki te whakahaere moni. He iti ake te wā e pau ana i ngā kaiwhakahaere ki te tatau i ngā hauwhā, engari he nui ake te wā e pau ana i a rātou ki te tātari i te hua o ngā huarahi.

Te pikinga o ngā hoko me te whai huatanga o te mahi

Ko te painga nui rawa atu o te hokohoko ko te pikinga ake o te Uara Tauwhitinga Toharite (ATV). Nā te mea kāore e herea ana ngā kaihoko e te moni tūturu i roto i ā rātou pēke, he nui ake te tūponotanga ka hoko rātou i ngā taonga utu nui, i ngā hua maha rānei i te wā kotahi, ka piki ake te ATV mā te 20% ki te 30%.

Hei tāpiritanga, he hononga ā-pūnaha ngā pūnaha utu kore moni ki te pūmanawa telemetry. Mā tēnei ka taea e ngā kaiwhakahaere te aroturuki i ngā taumata taonga me te hauora o ngā mīhini i tawhiti. Mā te whakamahi i ēnei raraunga, ka taea e ngā kaiwhakahaere te arotau i ngā huarahi whakakī anō, te whakaiti i ngā haerenga ratonga koretake tae atu ki te 15%, me te whakarite kia kore rawa ngā taonga e hokona nuitia ana e pau.

Ngā Mea hei Aromatawai i te Whakatinanatanga o te Hokohoko Utu Kore Moni

Ko te whakapai ake i tētahi waka o nāianei, te whakatū rānei i tētahi whatunga hou o ngā mīhini kore moni, me whai whakamahere hangarau me te pūtea tupato. Me whakatere ngā kaiwhakahaere i ngā hototahi taputapu, ngā whakaritenga hononga, me ngā anga ture pakari kia pai ai te wheako o te kaihoko.

Ngā hiahia mō te pūmārō, te pūmanawa, te hononga, me te haumarutanga

Me whakamahi hononga pūkoro pumau ngā kaipānui kore-moni o ēnei rā hei tukatuka tere i ngā tauwhitinga, me te whakawhirinaki ki ngā whatunga 4G LTE, 5G rānei. Ko ngā mīhini kei roto i ngā rūma o raro, i ngā whare rānei e tiakina pai ana, me whakamahi pea i ngā pūihi kaha-kaha hei pupuri i te kaha tohu e tika ana.

Me hono pai te taputapu ki te papa whakahaere o te mīhini, mā te whakamahi i te kawa Multi-Drop Bus (MDB). Me whai papatohu pūmanawa pakari hoki hei aroturuki i ngā raraunga hoko, hei whakahaere i ngā whakahokinga moni, hei aroturuki hoki i te wā mahi hononga, kia mau tonu ai te pūnaha me te haumaru mai i te urunga mai o ngā raraunga matihiko.

Ngā utu tukatuka, te tutuki i ngā whakaritenga PCI, me ngā ture

Ka tae mai ngā utu tukatuka a ngā kaihokohoko mō te watea matihiko, mai i te 5% ki te 6% mō ia tauwhitinga i roto i te rāngai utu-iti, ka whakahaerehia rānei i runga i te reiti whakakotahi o te utu papatahi me te ōrau. Me whakauru e ngā kaiwhakahaere ēnei utu ki roto i ā rātou tauira utu, i ētahi wā ka whakamahi i ngā rautaki utu takirua hei whakakore i te whakapaunga.

Hei tāpiri atu ki tēnā, me piri pūmau ngā teihana utu katoa ki ngā ture Paerewa Haumarutanga Raraunga Ahumahi Kāri Utu (PCI-DSS) hei tiaki i ngā raraunga a te kaihoko. Kāore e taea te whakahē i te ture, ā, me whakamahi i ngā taputapu whakamunatanga tohu-ki-tohu (P2PE) kua whakamanahia hei tiaki i te kaiwhakahaere me te kaihoko mai i te kawenga.

Ngā mahi whakatinanatanga whai hua hei whakapai ake i te wheako kiritaki

Ka tīmata te rautaki whakatinanatanga angitu mā te arotake i te wāhi hei manatoko i te kaha o te tohu waea pūkoro i mua i te tāutanga. Me whakahaere e ngā kaiwhakahaerehe whakatinanatanga ā-wāhanga, e whakamātautau ana i tētahi puranga mīhini iti i mua i te whakahōu i te whatunga whānui.

Me tāpiri he tohu mārama, he tohu tohutohu ki te mīhini hei whakaako i ngā kaiwhakamahi ki ngā tikanga utu hou, inā koa mēnā ka whakatinanahia he utu takirua. Mō ngā tohutohu kua whakaritea mō ngā rautaki whakatinanatanga me te kōwhiringa taputapu, ka taea e ngā kaiwhakahaere te rapuaratohu tohungahei whakarite i tētahi whakawhiti maeneene e whakaiti ana i te wā kore mahi, e whakanui ana hoki i te whakamahinga a te kaiwhakamahi.

Me pēhea te whakatau mēnā he tika te hokohoko utu kore moni mō

Ahakoa ngā painga mārama, ko te whakatau ki te haumi ki te hokohoko utu kore moni me ahu mai i ngā raraunga me te māramatanga mārama kite mākete ūngaKāore e rite te hokinga mai o ngā haumitanga ki ia wāhi, nō reira he mea nui te whakanoho rautaki.

Ngā wāhi tino pai, ngā wāhanga kiritaki, me ngā kāwai hua

Ko ngā taiao e nui ana te haere o ngā tāngata pērā i ngā puni umanga, ngā whare wānanga, me ngā taunga rererangi, koinei ngā wāhi pai mō ngā pūnaha kore moni nā te mea he nui te whakawhirinaki o te iwi ki ngā pēke matihiko. I roto i ēnei taiao, ka pā tika te tere o te tauwhitinga ki te nui o ngā hoko katoa i ngā wā pīki.

Hei tāpiritanga, he mea nui te mahi kore-moni mō ngā mīhini e tohatoha ana i ngā taonga utu nui. Mena kei te whakaaro te kaiwhakahaere ki te hoko hiko, ki ngā mea whakapaipai papai, ki ngā kai hou rānei i runga ake i te paepae $5.00 te utu, ka noho hei arai nui ngā manatoko moni-anake.mō ngā otinga hokohoko ngaioka taea te āwhina i ngā kaiwhakahaere ki te whakataurite i te hangarau me te ranunga hua tika ki te hunga tika.

Te whakataurite i ngā hua o te wheako kiritaki me ngā utu

Me tatau e ngā kaiwhakahaere te pūwāhi taurite mō te haumitanga taputapu. Ko te utu mō te whakahou i tētahi mīhini o nāianei me te kaipānui kore moni he $250 ki te $400, me ngā utu waea me ngā utu waea pūkoro o ia marama, $8 ki te $10.

Mā te matapae i te pikinga hoko e matapaetia ana mā te 20% ki te 25% ki runga i ēnei whakapaunga whakapaipai me ngā whakapaunga whakahaere, ka taea e ngā pakihi te whakatau i te whai huatanga o te whakapai ake. I ngā wāhi he nui te rahinga o ngā hoko, ka kitea te wā whakahoki moni i roto i ngā marama tuatahi e 6 ki te 12.

He pānui anō:

• hokohoko utu kore moni
• hokohoko utu kore moni
• hokohoko utu kore moni

Ngā Whakaaro Matua

• Ko ngā whakatau tino nui me ngā take mō te hokohoko utu kore moni
• Ngā whakaritenga, ngā whakaritenga, me ngā arowhai mōrearea e tika ana kia whakamanahia i mua i tō whakaae
• Ngā mahi whai muri me ngā whakatūpato ka taea e ngā kaipānui te tono tonu

Ngā Pātai Auau

He aha ngā mīhini hoko kore moni ka whakapai ake i te wheako o ngā kaihoko?

Ka whakakorea te hiahia mō ngā moni whakahoki tika, ka tere ake te utu, ā, ka whakaitihia ngā utunga kore i rahua mai i ngā kaiwhiwhi moni, pire rānei kua piri.

Ko ēhea ngā tikanga utu e tika ana kia whakaaetia e tētahi mīhini hoko kai o ēnei rā?

Whakaaetia ngā kāri maramara EMV, ngā kāri peeke kore pa, Apple Pay, Google Pay, me ētahi atu pēke pūkoro NFC hei whakarato ratonga ki ētahi atu kaiwhakamahi.

Kia pēhea te tere o te utu kore moni i te utu moni?

Ko te tap-to-pay kore moni ka oti i roto i te 2–3 hēkona, ko ngā hoko moni ia he 12–15 hēkona te roa.

Ka taea e te hokohoko kore moni te āwhina i te whakapiki ake i ngā hoko i ngā wāhi pukumahi?

Āe. Mā ngā whakawhitiwhitinga tere ake me ngā whiringa utu maha atu ka taea te whakaiti i ngā hikoi haere, ā, ka piki ake pea te rahinga o ngā whakawhitiwhitinga, inā koa i roto i ngā tari, i ngā kura, me ngā pokapū kawe waka.

Kei te YL Vending ngā mīhini e tautoko ana i ngā kōwhiringa utu kore moni?

Āe. Kei a YL Vending ngā kōwhiringa mīhini hoko e tautoko ana i te whakaurunga utu maha mō ngā kāri me ngā pēke pūkoro; tirohia ā rātou whārangi hua mō ngā taipitopito tauira.