Nidaamka Visa iyo Mastercard ee Russia. Description of hababka lacag bixinta Visa iyo Mastercard

nidaamka Payment - qalabka caadiga ah iyo farsamooyinka loo adeegsado lacag xawaalad, lacagta iyo hantida sharciyeed u dhexeeya ka qaybgalayaasha isbeddelkaas dhaqaale. In wadamo badan, ay si weyn u kala duwan ka soo midba midka kale, sababtoo ah jagooyinka kala duwan ee heerarka horumarka dhaqaalaha iyo sifooyinka sharciga bangiyada yihiin.

Kala duwan oo ka mid ah hababka lacag bixinta

All hababka lacag bixinta waxa loo qaybiyaa laba nooc: maxaliga ah iyo kuwa caalamiga ah.

• Nooca ugu horeeya waxa Visa iyo MasterCard, Cunnada Club iyo American Express.
• Nooca labaad waa "Sberkard" (kaararka la aqbalo kaliya ee "Savings Bank" iyo ururrada shaqo-waddaagayaasha), Card Midowga, NPS iyo kuwa kale.

Xaaladda sare ee ururka dejinta, sidaas badeecadaha waa la aqbalay in meelo badan. Caadi ahaan, qaab nidaamka bixinta uusan saamayn ku lahayn kharashka dheeraadka ah ee haysta kaarka. Sayidka, Visa iyo Mastercard - waxa aad dooran lahayd?

nidaamka Payment Visa

Visa Association International Service - bixinta hoggaamineed nidaamka dunida, oo ku salaysan dollar ah, si dhammaan hawlaha on diinta lacagta ag maraaba wuu marayo. mudnaanta ee shaqada ee shirkadda la siiyo horumarinta suuqa credit card ah. Yeelanaya isugeynteeda ku saabsan 4.8 trillion dollars sano ah. Nidaamkan waxaa ku qoran 30 million tafaariiqda iyo adeegyada ka badan 200 wadan oo dunida ah. Waxay u adeegtaa hal milyan oo ATM dunida oo dhan. Tirada hay'adaha in ay yihiin xubno ka mid ah nidaamka, in wadarta dhaafa 20 milyan oo unugyada. Taasi Visa shirkad uu leeyahay in ka badan 50% ka mid ah faa'iido lacagaha ee hay'adaha lacagta adduunka oo dhan. Tirada kaararka soo saaray waa qiyaastii 2 bilyan oo gogo '. In dalalka reer galbeedka, POS-boosteejada ku yaalaan dhamaan dukaamada iyo makhaayadaha waaweyn. Isu kaarka Visa la ah lacagaha amaahda ama xisaab debit non-eber ah, mid ka mid ah ku bixin kartaa alaabta iyo adeegyada ee aan lacagta caddaanka ah, dabcan, ku xiran heerka loo baahan yahay ee qalabka bangiga. Faa'iidooyinka nidaamka:

• helitaanka lacagta saacad meel kasta oo dunida ku wareegsan, iyo sidoo kale internetka;
• suurtogalnimada inuu qaado lacagta xuduudaha, iyada oo kharaj nidaamka caadooyinka lagu dhawaaqo,
• deg dega ah loogama qaadi of komishanka, debiting kaarka (waxay u baahan tahay si ay u fuliyaan xisaabinta ku POS-terminal) adduunka oo dhan;
• awood u leh inay wareejiso xaddi gaar ah oo lacag si ay u akoonka, iyo sidoo kale adeegyo kale oo badan.

Visa suuqa bangiyada Ruush

In ka badan tobankii sano ee la soo dhaafay suuqa adeeg Visa ee Russia ayaa ahaa mid ka mid ah kuwa ugu firfircoon. Kaararka MUSHAHARKA leeyihiin shaqaale badan oo shirkadaha iyo ururada, sida nooc ka mid ah lacagta aan lacagta caddaanka ah waa ka badan la aqbali karo oo suurad wacan noqdo. Maanta gayiga Federation Ruush durba waa wax aan macquul aheyn in la qiyaaso wax supermarket waaweyn ama saldhiga xukun baabuur aan POS-boosteejada awood u helo lacag bixinta hab non-lacageed oo lacag bixinta ee shirkadda.

nidaamka lacag bixinta MasterCard

MasterCard International - an nidaamka lacag bixinta ee caalamiga ah, taas oo isu keena in ka badan labaatan kun oo hay'adaha maaliyadeed ee in ka badan laba boqol oo dal. Ujeedooyinka ugu weyn ee shirkadda:

• baahida bixinta adeegga hay'adaha jirka iyo sharciga;
• barnaamijyada soo saarista kaarka, kuwaas oo suuq hoos qoryihii MasterCard, Maestro iyo Cirrus.

jihada mudnaanta horumarinta marxalad la joogo waa lacagta korontada ku shaqeeya internetka.

In 1966, tirada bangiyada ee dalka Mareykanka ayaa kala saxiixday heshiis ah kuwaas oo ujeedada ahayd abuurista isku xidhka Card Association. Horeba 1968 shirkadda bilaabay kaashanaya nidaamka lacagta Euro Card ka. Magaca aad u of MasterCard ogolaaday kaliya ee 1979. In 1980, ururka ayaa qaaday meel keentay in suuqa dunida - tirada kaararka saaray gaadhay 55 million. By 2006 nidaamka th aqoonsaday mid ka mid ah ugu hufan oo lagu kalsoonaan karo. In ka badan 25% ka mid ah kaararka bangiga adduunka waxaa iska leh shirkada. Haddaba MasterCard sanad walba ay fuliyeen in ka badan 23 bilyan oo xawaalad.

Waxaa jira adeeg u gaar ah dadka isticmaala card - codsiyada jecel mobile MasterCard - phone kuu ogolaanaya in aad si aad u eegto warbixinta cusub.

nidaamka MasterCard ee Russia

Isticmaalka MasterCard ee Federation Ruushka ayaa noqonaya mid aad u daran oo dheeraad ah sannad kasta. Russia waxaa loo arkaa in la ballanqaaday, waayo, ballaarinta horumarka gobolka iyo functional ah ee nidaamka lacag bixinta ah. In ka badan dhowrkii sano ee la soo dhaafay, MasterCard laha soociddiisa muhiim ah shirkadaha ugu horeeysa ee qaybta lacagta aan lacagta caddaanka ah - Visa. 38.5% ka mid ah kaararka caaga ah ee Russia ka tirsan tahay suuqa MasterCard ah. Tirada guud iyaga ka mid ah - oo ku saabsan 27 million koobi. Iyada oo MasterCard iskaashi "Savings Bank", "TrasKreditBank", "Masterbank" iyo "Ruush Standard".

MasterCard iyo lacagta elektarooniga ah

Sannadkii 2013, xaddiga lacagta online in nidaamka MasterCard ayaa kordhay 25%. tirada dadka isticmaalaya ayaa sidoo kale sara kacay, kuwaas oo muujiyay in ay doonayaan in ay iibsadaan kaadhadhka bixinta online. Si firfircoon uga soo koraya kala duwan ee adeegyada u bixiyeen in industry ee. maamulka shirkadda ayaa qorshaynaysa in ay abuuraan oo ay adeeg u gaar ah (Salada PayPass) sida kiishad elektaroonik ah. Its fulinta ilaa hadda kaliya la qorsheeyay, laakiin khayraadka badan oo Internet hore u sheegay in ay damacsanyihiin in ay bixiyaan in ay ku xidhmaan goobo isticmaalaya noocan oo kale ah xisaabinta.

Sidee si aad u hesho kaarka bankiga ee caalamiga ah nidaamka lacag bixinta

nidaamka A diyaarinta Visa iyo MasterCard yihiin si caddaalad ah oo fudud:

• tag mid ka mid ah bangiyada adduunka ugu taageera nidaamka;
• iyadoo ay wada joogaan warqado aqoonsi ah (sida caadiga ah baasaboor), in lagu gabagabeeyo heshiis ku saabsan bixinta adeegyada.

Sida maps ah, waxay noqon karaan labada debit iyo credit.

Nooca ugu horeeya waa kuwa kaliya ee aad u isticmaali kartaa qadarka wareejiyo iyaga. In xaaladda marka lacagaha ay maamusho bixi on map-ka, waa in ay lagu wareejiyo aad account si loogu isticmaalo mustaqbalka adeegyada ay bixiyaan nidaamka. Isla mar ahaantaa, waxaa jira xad lacag caddaan ah, in la kordhiyo tirada taas oo dhibaato.

kaararka deynta badan yihiin faa'iido in ay isticmaalaan - lacagta daboolay by yahay xaddi gaar ah oo uu soo saaray bangiga. Waxaa lagama maarmaan ah oo kaliya dib loogu bixiyo deynta ka hor taariikhda dhicitaanka ka dibna account mar kale ku ururto lacagta amaahda. Kaararka ee Russia intooda badan si hufan waa debit ah, haddii heshiis la si toos ah lahayn doorasho kala duwan.

Hirgelinta xisaabinta ee shabakadda

Ma aha oo dhan ee caalamka kaarka debit waxaa loo isticmaali karaa adeegyada lacag bixinta iyo shopping online. Waayo, nidaamka kaararka Visa waa Visa Gold ah, Visa Classic iyo wixii ka sareeya ama si gaar ah loo abuuray network Visa ee Internet, taas oo analoogga ah Visa Classic. By card Visa Electron , waxaad lacag kala bixi kartaa in boosteejada ah, laakiin xisaabinta ma laga heli karaa internetka, haddii aysan haysan CVV2. Sidoo kale loogu talagalay VISA card Virtual, si gaar ah loogu talagalay xawaalad on shabakadda, iyo si ay u kordhiyaan kalsoonida user ganacsiga iyada oo loo marayo shabakad.

Waayo, nidaamka lacag bixinta MasterCard xisaabinta online habboon MasterCard Standart iyo wixii ka sareeya. card A Master Card Maestro (debit), la mid ah Visa Electron, isticmaalo oo kaliya nidaamka hawlaha offline (waa CVC2 free).

Haddii goobta waa mid ka mid ah hababka of Deposit / noqoshada qoondeeyey Visa Electron ama Maestro, haddii ay taasi waxay khusaysaa lacagaha kala duwan ee nidaamka caalamiga ah elektaroonik ah bixinta, la mid ah Moneybookers, ama kaararka soo saaray bangiyada qaarkood ee West ah (isagoo code CVV2 ama CVC2).

nidaamka Visa iyo Mastercard ee Russia - xaaladda hadda jirta

In xaaladda hadda ee Ukraine, March 21, 2014 on tiro ka mid ah bangiyada Ruush ah ayaa ku soo rogeen on nidaamyada qaar ka mid ah (tusaale ahaan, Visa iyo Mastercard) cunaqabatayn. Maps joojiyay ka shaqeeya warbaahinta tafaariiqda iyo mashiinada taagan qaybiyo. Waxa ugu dhibsado waa in nidaamka lacag bixinta Visa iyo Mastercard hor istaagay digniin la'aan. About nus milyan haysta kaarka in shirkadaha kuwanu waxay ahaayeen in Doolaal oo ah. Laakiin sida aad ogtahay, ururadan oo xiiseynaya in iskaashi dheeraad ah oo la Federation Ruush ah, iyo, sidaas darteed, laba bilood ka dib dhacdada, hababka lacag bixinta ee caalamiga ah, iyo dawladda ku heshiiyeen in ay sii wadaan shaqada ee shirkadaha ee Russia. Inta lagu jiro wada xaajoodka, beddelka la sameeyey in qaab dhismeedka laanta sharci ee Ruushka "On habka lacag bixinta qaranka": shirkadaha shisheeye qaataan biloodle meeleeyay xisaab gaar ah ku darsaday "Sberbank" si loo hubiyo size ee rubuc ka mid ah nidaamka maalin kasta ee xawilaadda lacagta (ie, oo ku saabsan $ 100 million kasta ..).

In mustaqbalka, is-dhexgalka ee ay shuraakada ah Visa iyo Master Card nidaamka lacag bixinta qaranka Ruushka. Tani waxay abuuri doonaa laba urur oo kala duwan. Duma State ayaa hore u soo bandhigay sharci ku saabsan mowduuca. Arrin kale oo ay tahay in suuqa kala iibsiga si ay nidaam midaysan qaranka lacagta ka qaybgalayaasha oo dhan ku qaadan doonaa muddo hal bil ah. Laakiin tani waa qiyaas lagama maarmaan ah in la fuliyo, waayo, xaalad amaan dhaqaale ee dalka oo ammaan booska uu ka muwaadin kasta Ruush.