Zolemba zolembera ndalama


Ndondomeko zolembera ndalama - maziko a machitidwe amakono olipira

Chiyambi: Kodi ndondomeko zolembetsera ndalama ndi chiyani ndipo zimagwiritsidwa ntchito bwanji?

M'dziko lamalipiro opanda ndalama, ma protocol olembetsera ndalama ndi ofunikira pakulumikiza makina olembera ndalama ndi malo olipira. Amatanthauzira momwe zidazi zimalankhulirana wina ndi mzake ndikuwonetsetsa kuti kulipira kotetezeka komanso kothandiza.

Protocol iliyonse yolembera ndalama imakhala ndi mphamvu zake, zofooka zake komanso zofunikira zaukadaulo. Ena amagwira ntchito pamanetiweki akumaloko, pomwe ena amakhala okonzeka ndi mitambo. Momwemonso, ma protocol ena amafunikira ID yolumikizira manambala kuti azindikire mwapadera terminal.

Ubwino wa protocol yosankhidwa bwino yolembetsa ndalama:
Zochita mwachangu komanso zodalirika
Kuphatikizika kosavuta m'makina omwe alipo kale
Chitetezo chapamwamba kudzera muzolumikizana zokhazikika
Kulumikizana kwamtambo kotheka kwa kayendetsedwe kapakati

Apa tikukudziwitsani za ma protocol ofunika kwambiri olembetsa ndalama omwe ali ndi mawonekedwe awo, zabwino zake ndi zovuta zake.

Sikuti protocol iliyonse ili yoyenera chilengedwe chilichonse - kuyanjana kwa mawonekedwe ndikofunikira.

Chidule cha ma protocol ofunika kwambiri olembetsa ndalama



ZVT (Payment Terminal Standard)

ZVT ndiye mulingo womwe umagwiritsidwa ntchito kwambiri m'maiko olankhula Chijeremani polumikizana pakati pa machitidwe a POS ndi malo olipira. Zimatengera kulumikizana ndi netiweki yakomweko ndipo zimafunikira ID yolumikizira manambala.

Mwayatsa mitambo? Ayi, ma network am'deralo okha
Pamafunika ID yolumikizira manambala? ! Inde

Ubwino:
Zotsimikizika komanso zogwiritsidwa ntchito kwambiri ku Germany
Kugwirizana kwakukulu ndi machitidwe ambiri olembera ndalama
Ntchito yokhazikika komanso yodalirika

Zoyipa:
Palibe kuphatikiza kwamtambo komwe kungatheke
Kusinthasintha kochepa kwa machitidwe amakono, a API
Sizoyenera misika yapadziko lonse lapansi



REST API

Ma REST API amathandizira kulumikizana kwamakono pakati pa zolembera ndalama ndi malo olipirako kudzera pa intaneti. Amakhala osinthika kwambiri ndipo nthawi zambiri amakhala ndi mitambo.

Mwayatsa mitambo? Inde
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Platform palokha komanso yosinthika
Scalable kwa mtambo ndi machitidwe a pa intaneti
Zabwino kwa machitidwe amakono olembera ndalama

Zoyipa:
Kulumikizana kwa intaneti ndikofunikira
Kukhazikitsa kovutirapo
Zimatengera kupezeka kwa API



Cloud REST API

Kusiyanaku kwa REST API ndikokhazikika pamtambo ndipo kumathandizira kasamalidwe kapakati pamalipiro kudzera pa intaneti.

Mwayatsa mitambo? Inde
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Palibe zomanga m'deralo zofunika
Chapakati controlable kwa masitolo unyolo
Scalable ndi kusinthasintha

Zoyipa:
Kudalira pa intaneti yokhazikika
Tsatirani zofunikira zachitetezo cha data
Kuchedwa kotheka chifukwa cha kulumikizana kwamtambo



OPI (Open Payment Interface)

Open Payment Interface (O.P.I) ndi njira yolumikizirana pakati pa machitidwe a POS ndi malo olipira, omwe amagwiritsidwa ntchito makamaka m'misika yapadziko lonse lapansi.

Mwayatsa mitambo? Ayi, imagwira ntchito pamanetiweki apafupi
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Chitetezo chapamwamba ndi kukhazikika
Imathandizira njira zosiyanasiyana zolipirira
Zogwiritsidwa ntchito padziko lonse lapansi

Zoyipa:
Palibe kulumikizana kwamtambo komwe kungatheke
Kuphatikizana kovuta kwambiri kuposa njira zamakono za API
Osagwiritsidwa ntchito kwambiri ngati ZVT kapena REST API



ep2 (EFT/POS 2000)

ep2 ndi mulingo wamalipiro wopangidwa ku Switzerland womwe umatsimikizira kulumikizana kofanana pakati pa makina osungira ndalama ndi ma terminals. Pamafunika ID yolumikizira manambala.

Mwayatsa mitambo? Ayi, ma network am'deralo okha
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Standard solution ku Switzerland
Miyezo yapamwamba yachitetezo
Uniform mawonekedwe osiyanasiyana opereka

Zoyipa:
Zochepa kumsika waku Swiss
Palibe kuphatikiza kwamtambo komwe kungatheke
Zosasinthika kusiyana ndi zothetsera zamakono za API



myPOS

myPOS ndi njira yamakono yolipirira mitambo yomwe siifuna zida zamtundu uliwonse.

Mwayatsa mitambo? Inde
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Zosavuta kukhazikitsa
Kutengera mitambo kuti muzitha kusinthasintha kwambiri
Imathandizira njira zambiri zolipira

Zoyipa:
Kutengera wopereka myPOS
Zosankha zochepa zokha
Kulumikizana kwa intaneti ndikofunikira



NEXO

NEXO ndi mulingo wovomerezeka padziko lonse lapansi wamakina olipira omwe amapereka kugwirizanirana ndi chitetezo.

Mwayatsa mitambo? Inde
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Umboni wamtsogolo komanso wowonjezera
Zodziwika padziko lonse lapansi
Imathandizira maukonde amtambo ndi am'deralo

Zoyipa:
Kukhazikitsa kovutirapo
Sizinakhazikitsidwe kulikonse
Khama la maphunziro apamwamba



ISO 20022

Mulingo wamalipiro wapadziko lonse womwe ndi wofunikira kwambiri kwa mabanki ndi othandizira azachuma.

Mwayatsa mitambo? Inde
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Mtsogolo-umboni muyezo
Imathandizira mitundu yambiri yolipira
Chitetezo chapamwamba

Zoyipa:
Zovuta komanso zosavuta kukhazikitsa
Zokwera mtengo zosintha
Makamaka kwa mabanki, zochepa kwa ogulitsa



SIX (TIM)

Protocol yaumwini ya SIX Payment Services, yomwe nthawi zambiri imagwiritsidwa ntchito ku Switzerland.

Mwayatsa mitambo? Ayi
Pamafunika ID yolumikizira manambala? ! Ayi

Ubwino:
Chitetezo chapamwamba
Zokongoletsedwa mwapadera pamsika waku Swiss
Kuchita kokhazikika

Zoyipa:
Sanagawidwe padziko lonse lapansi
Palibe mtambo kuthekera
Kusinthasintha kochepa



Acquirer / SoftPOS woperekera wake ma POS protocol API

Opeza ambiri (okonza malipiro) ndi othandizira a SoftPOS (opereka malo olipira opangidwa ndi mapulogalamu) amapereka ma API awo kuti agwirizane ndi kaundula wa ndalama. Ma APIwa amapangidwa kuti azigwirizana ndi njira zawo zolipirira ndipo amathandizira kulumikizana mwachindunji ndi nsanja yopeza kapena pulogalamu ya SoftPOS.

Mwayatsa mitambo? Inde, nthawi zambiri
Pamafunika ID yolumikizira manambala? ! Ayi, ID yapadera yamalonda kapena kiyi ya API imagwiritsidwa ntchito nthawi zambiri

Ubwino:
Kulumikizana mwachindunji ndi purosesa yolipira popanda othandizira ena
Kuwongolera kwathunthu panjira zolipira
Nthawi zambiri kukhazikitsa kosavuta kudzera muukadaulo wamakono wa API

Zoyipa:
Kudalira wopeza kapena wopereka SoftPOS
Zosavuta kusinthasintha poyerekeza ndi ma protocol apadziko lonse lapansi
Zofunikira zosiyanasiyana zokhazikitsa kutengera wopereka
Kusintha kwa wopeza wina kungafunike kusintha kovutirapo



Verifone FIPay / VX protocol

Verifone imapereka ma protocol ake amibadwo yosiyanasiyana. Izi zimachokera kumitundu yakale ya VX kupita ku zida zamakono za Android zokhala ndi FIPay (Verifone's cloud-enabled API).

Mwayatsa mitambo? Inde (FIPay) / Ayi (ma protocol akale a VX)
Nambala yotsiriza ID ikufunika? ! Ayi

Ubwino:
Amagawidwa kwambiri, makamaka ku Europe ndi North America
Thandizo la njira zosiyanasiyana zolipirira (ma kirediti kadi, NFC, kulipira mafoni)
FPay imathandizira kuphatikiza kwamakono kwamtambo

Zoyipa:
Proprietary protocol, chifukwa chake, imakhala yochepa
Ma protocol akale a VX sali okonzeka pamtambo
Imangokhala pamaterminal ena a Verifone



Adyen Terminal API

Adyen amapereka ndondomeko yolipira yochokera ku API yomwe ingaphatikizidwe ndi ma terminals, malipiro a pa intaneti ndi mayankho a POS. Zosangalatsa makamaka kwa ogulitsa kumayiko ena omwe ali ndi njira ya omnichannel.

Mwayatsa mitambo? Inde
Nambala yotsiriza ID ikufunika? ! Ayi

Ubwino:
Kuphatikiza kosinthika kwambiri kwa API kwa POS, eCommerce ndi mafoni
Imathandizira kulipira popanda kulumikizana ndi ma wallet a digito (Apple Pay, Google Pay)
Palibe ID yokhazikika yofunikira

Zoyipa:
Kuyang'ana kwambiri ku Adyen ecosystem - yosagwirizana ndi omwe amapeza chipani chachitatu
Kukhazikitsa koyamba kungakhale kofunikira kwambiri mwaukadaulo
Mitundu yamitengo ya Adyen si yabwino kwa onse ogulitsa



Stripe Terminal API

Stripe imadziwika kuti ndi yolipira pa intaneti, komanso imapereka yankho la POS ndi Terminal API. Zosangalatsa makamaka kwa oyambitsa, makampani a e-commerce komanso ogulitsa padziko lonse lapansi omwe ali ndi POS yolumikizidwa ndi mtambo.

Mwayatsa mitambo? Inde
Nambala yotsiriza ID ikufunika? ! Ayi

Ubwino:
Kuphatikizika kosavuta kwa API kwa POS ndi kulipira pa intaneti
Scalable solution kwa ogulitsa omwe ali ndi malo angapo
Imathandizira njira zamakono zolipirira (monga Apple Pay, Google Pay)

Zoyipa:
Kuyang'ana kwambiri pa Stripe ecosystem - yosasinthika kwa anthu ena
Si onse opeza amathandizidwa
Zolipiritsa zitha kukhala zokwera poyerekeza ndi omwe amalandila kale



CB2 (Cartes Bancaires - France)

CB2 ndi njira yomwe imagwiritsidwa ntchito kwambiri ku France polipira ngongole ndi kirediti kadi. Amagwiritsidwa ntchito ndi mabanki ambiri aku France ndi amalonda ndipo amalumikizidwa kwambiri ndi netiweki yolipira ya Cartes Bancaires.

Mwayatsa mitambo? Ayi, ma network am'deralo okha
Nambala yotsiriza ID ikufunika? ! Inde

Ubwino:
Kufalikira ku France
Kulumikizana mwachindunji ku mabanki aku France
Zokongoletsedwa ndi zochitika zapadziko lonse

Zoyipa:
Palibe chithandizo chachilengedwe chamtambo
Zoletsedwa kugwiritsidwa ntchito padziko lonse lapansi
Mwini komanso womangidwa mwamphamvu ku France



J/XFS (Java/eXtensions for Financial Services)

J/XFS ndi muyezo wotseguka wamakina a POS ndi ma ATM. Imathandizira kulumikizana kosinthika kwa malo olipira, ma ATM ndi zida zina zachuma kudzera pa API yodziyimira pawokha.

Mwayatsa mitambo? Ayi (kuphatikiza kwanuko)
Nambala yotsiriza ID ikufunika? ! Ayi

Ubwino:
Mawonekedwe okhazikika amalo olipira osiyanasiyana
Ma modularity abwino kwa mabanki ndi ogulitsa akuluakulu
Osadalira opanga ma terminal

Zoyipa:
Zocheperako pamakina akale olembetsera ndalama
Kukhazikitsa kungakhale kovuta
Palibe chithandizo chachilengedwe chamtambo



ELM (Electronic Lock Management) - kwa malo opangira mafuta & e-mobility

ELM imagwiritsidwa ntchito polipira gasi komanso kulipira ma e-mobility. Imagwirizanitsa makina olembera ndalama ndi mapampu a gasi kapena malo opangira ndalama kuti athe kulipira ndalama zopanda malire.

Mwayatsa mitambo? Inde
Nambala yotsiriza ID ikufunika? ! Inde

Ubwino:
Zopangidwa mwapadera zopangira mafuta ndi ma e-charging
Okonzeka ndi mitambo kuti apeze mayankho amakono oyenda
Imathandizira njira zosiyanasiyana zolipira (khadi, pulogalamu, RFID)

Zoyipa:
Zokhudzana kwambiri ndi mafakitale - sizoyenera kwa ogulitsa achikhalidwe
Kukhazikitsa nthawi zambiri kumatheka kudzera mwa othandizira apadera
Kudalira kwakukulu kwa opereka zomangamanga



Ma protocol a SoftPOS (ma API enieni a wopeza/opereka)

Mayankho a SoftPOS amathandizira kulipira kwaulere kwamakhadi kudzera pa mafoni kapena mapiritsi. Opeza ambiri (monga myPOS, SumUp, Adyen, Stripe, PayPal) apanga ma protocol awo a API a SoftPOS.

Mwayatsa mitambo? Inde
Nambala yotsiriza ID ikufunika? ! Ayi, ID yapadera yamalonda kapena kiyi ya API imagwiritsidwa ntchito nthawi zambiri

Ubwino:
Palibe zida zofunikira - foni yamakono kapena piritsi ndiyokwanira
Zosinthika komanso zosavuta kwa ogulitsa ang'onoang'ono kapena othandizira mafoni
Imathandizira kulipira popanda kulumikizana (NFC, Apple Pay, Google Pay)

Zoyipa:
Nthawi zambiri zimangotengera ogula kapena opereka
Si mabanki onse ndi opeza omwe amathandizira SoftPOS
Zolipiritsa zitha kukwezeka pakugulitsa



SumUp Terminal API

SumUp ndiwopereka ndalama zolipirira makadi am'manja ndipo, ndi Terminal API yake, imapereka mawonekedwe ophatikizira mumayendedwe olembetsa ndalama, mapulogalamu am'manja kapena malo ogulitsira pa intaneti. API imathandizira ma terminal a SumUp kuti azitha kulumikizana mosavuta ndi machitidwe a POS ndi nsanja zamtambo.

Mwayatsa mitambo? Inde
Nambala yotsiriza ID ikufunika? ! Ayi

Ubwino:
Kuphatikiza kosavuta komanso kwachangu kudzera pa API
Palibe ID yolumikizira manambala yofunikira
Zabwino kwa amalonda ang'onoang'ono, anthu odzilemba okha komanso opereka chithandizo cham'manja
Imathandizira kulipira popanda kulumikizana ndi ma wallet am'manja (Apple Pay, Google Pay)

Zoyipa:
Kutengera chilengedwe cha SumUp - chosasinthika kwa anthu ena
Zosankha zocheperako za amalonda akuluakulu
Si onse opeza omwe amathandizira kulumikizana kwachindunji ku SumUp, mwachitsanzo, palibe kuvomereza kwa girocard
Zolipiritsa zitha kukwezeka pakugulitsa



Chidule
Kusankha ndondomeko yoyenera yolembera ndalama kumadalira zofuna za kampani. Ngakhale ZVT ndi ep2 zatsimikiziridwa, miyezo yapamalo, REST API ndi NEXO imapereka njira zamakono, zogwiritsa ntchito mitambo. Cloud REST API ndi myPOS imathandizira kuphatikiza kosavuta kwa mtambo, pomwe ISO 20022 ndiyofunika makamaka kumabanki.

Opeza kapena ma API ake a SoftPOS amapereka malumikizidwe achindunji ku pulatifomu yolipira ndipo ndi yoyenera makamaka kwa amalonda omwe akufuna kugwirira ntchito limodzi ndi opereka chithandizo chapadera.

Sankhani ndondomeko yomwe ikugwira ntchito lero - ndi masikelo abwino kwambiri mawa.

💡 Malingaliro athu

Ngati mukuyang'ana chitetezo chokwanira chamtsogolo komanso kusinthasintha, muyenera kudalira njira yochokera ku API kapena yamtambo.

Ngati mukufuna kuphatikiza kotsimikizika, kokhazikika, mutha kugwiritsa ntchito ma protocol apamwamba monga ZVT kapena ep2.

Iwo omwe amagwira ntchito kale ndi wopeza kapena wopereka SoftPOS akhoza kupindula ndi ma API awo omwe ali nawo.

Kodi mukufuna lipoti lachindunji kapena losatchulidwa m'kaundula wa ndalama? Chonde khalani omasuka kulumikizana nafe.

Tikukulangizani kuti mupeze yankho labwino kwambiri pazomwe mukufuna!