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አማርኛ Debit ee, credit sannu a hankali ana hanawa
Kasuwanni da dama masu tsari sun haramta caca da credit card gaba daya — UK ta yi haka a 2020, sauran hukumomi kuma sun bi sahu da nasu tsauraran ka'idoji. Dalilin a bayyane yake: caca da kudin bashi shine inda mafi girman lahani ke tattarawa. Inda wannan haramcin yake aiki, za a kawai ki amincewa da credit card a wurin cashier.
Katin debit ya kasance hanyar da aka fi karba a kusan ko'ina, saboda yana motsa kudin da kake da shi tuni, kuma yana dauke da bincike na ainihi wanda bankuna suka riga suka gudanar.
Me yasa ajiyar kati ke samun kin amincewa
Mafi yawan dalilan kin amincewa ba su da alaka da balance dinka: masu bayar da kati suna sanya wa caca wani takamaiman merchant category code, kuma da dama daga cikinsu suna toshe shi ta hanyar default, musamman a kan katunan da aka bayar wa matasa ko akan asusun da aka kunna gambling-block feature. Kin amincewar tana fitowa daga bankinka ne, don haka support na shafin caca ba zai iya gyara ta ba.
Sauran dalilan da suka fi yawa sun hada da gazawar 3-D Secure sakamakon tsohon lambar waya, rashin dacewa tsakanin sunan mai katin da asusun caca, da kuma dokokin kan iyaka inda mai bayar da katin ke toshe merchant na caca na kasashen waje. A kasuwannin da suke da nasu local rail — kamar iDEAL, BLIK, PIX, mobile money — wannan hanyar yawanci ita ce mafi sauri fiye da yakar matsalar kati.
Cirewar Kudi da Dokar Return-to-Source
Biyan kudi ta hanyar kati yana bin wata doka wadda yawancin masu caca ke fuskanta sau daya kacal: kudi yana komawa ne zuwa katin da aka fara ajiya da shi, har zuwa adadin da aka ajiye, kafin a iya tura wani rarar kudin zuwa wata hanyar. Wannan wata bukata ce ta yaki da satar kudi (anti-money-laundering), ba wai zabin operator bane, kuma wannan ne ke bayyana dalilin da yasa wani lokaci biyan kudi ke isowa ta hanyoyi biyu daban-daban.
Cirewar kudi ta hanyar kati kuma tana daukar tsawon lokaci fiye da instant rails — yawanci kwana daya zuwa biyar na aiki (working days) dangane da mai bayar da katin — koda kuwa operator ya amince da cirewar nan take. Idan sauri yana da muhimmanci a gareka, yi ajiya da hanyar da kake son a biya ka da ita.
- An haramta caca da credit card a UK kuma an tsananta wa a sauran wurare; debit ya kasance hanya ta duniya baki daya
- Yawancin kin amincewa suna fitowa ne daga dokokin merchant-category na mai bayar da katin, ba daga shafin caca ba
- Biyan kudi yana komawa zuwa katin tushe tukuna — wata doka ta AML wadda za ta iya raba cirewar kudi biyu
- Cirewar kudi ta kati na daukar kwanaki; local instant rails sun fi sauri inda suke akwai
Tambayoyi da aka gayita sosai
Me yasa katin debit dina ke ci gaba da samun kin amincewa a shafukan caca?
Yawanci mai bayar da katinka ne ke toshe merchant category na caca, ko kuma an kunna gambling block a asusun. Wannan shawarar banki ce — shafin caca ba zai iya soke ta ba.
Zan iya amfani da credit card don caca?
Ba a UK ba, inda aka haramta caca da credit card tun 2020, kuma ba a sauran kasuwanni masu tsari da dama ba. Katin debit ya kasance ana karba.
Nawa lokaci cirewar kudi ta kati take dauka?
Yawanci kwana daya zuwa biyar na aiki bayan operator ya amince da su, dangane da mai bayar da katin. Local instant rails sun fi sauri inda suke akwai.