Iirekhodi zerejista yemali


Iiprothokholi zerejista yemali - isiseko seenkqubo zentlawulo zanamhlanje

Intshayelelo: Ziziphi iiprothokholi zerejista yemali kwaye zisetyenziselwa ntoni?

Ehlabathini leentlawulo ezingenakheshi, iiprothokholi zerejista yekheshi zibalulekile ekudibaniseni iinkqubo zerejista yemali kunye neetheminali zokuhlawula. Bachaza indlela ezi zixhobo zinxibelelana ngayo kwaye ziqinisekisa ukusetyenzwa kwentlawulo ekhuselekileyo nesebenzayo.

Iprothokholi nganye yerejista yemali inamandla ayo, ubuthathaka kunye neemfuno zobugcisa. Abanye basebenza kuphela kuthungelwano lwasekhaya, ngelixa abanye belungele ifu. Ngokunjalo, ezinye iiprothokholi zifuna i-ID ye-terminal yamanani ukuchonga ngokukodwa i-terminal.

Izinto eziluncedo zeprotokoli yerejista yemali ekhethwe kakuhle:
Iintengiselwano ezikhawulezayo nezithembekileyo
Ukudityaniswa lula kwiinkqubo ezikhoyo zerejista yemali
Ukhuseleko oluphezulu ngokusebenzisa ujongano olusemgangathweni
Uqhagamshelo lwamafu lunokwenzeka kulawulo oluphakathi

Apha sikwazisa kwezona ziprothokholi zibalulekileyo zerejista yemali ezineempawu zazo, izinto eziluncedo kunye nezingeloncedo.

Ngokukhetha iprotocol efanelekileyo, abarhwebi bazuza ngokuzinza, ukusebenzisana kunye nokwabiwa okucacileyo kweentengiselwano.

Amagqabantshintshi eeprothokholi zerejista yemali ebaluleke kakhulu



I-ZVT (uMgangatho weSitena sentlawulo)

I-ZVT ngowona mgangatho usetyenziswa kakhulu kumazwe athetha isiJamani kunxibelelwano phakathi kweenkqubo zePOS kunye neeterminals zokuhlawula. Isekelwe kuqhagamshelwano lwenethiwekhi yendawo kwaye ifuna i-ID ye-terminal yamanani.

Cloud-enabled? Hayi, iinethiwekhi zasekhaya kuphela
Ifuna i-ID yeterminal yamanani? ! Ewe

Izinto eziluncedo:
Umgangatho oqinisekisiweyo kwaye usetyenziswa ngokubanzi eJamani
Ukuhambelana okuphezulu kunye neenkqubo ezininzi zokubhalisa imali
Ukusebenza okuzinzileyo nokuthembekileyo

Izinto ezingeloncedo:
Akukho kudityaniswa kwamafu kunokwenzeka
Ukuguquguquka okulinganiselweyo kwiinkqubo zangoku, ezisekelwe kwi-API
Ayilunganga kwiimarike zamazwe ngamazwe



REST API

I-REST APIs yenza unxibelelwano lwangoku phakathi kwerejista yemali kunye ne-terminal yentlawulo ngokusebenzisa ujongano lwewebhu. Zibhetyebhetye ngakumbi kwaye zihlala zisebenza ngamafu.

Cloud-enabled? Ewe
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Iqonga-elizimeleyo kwaye liguquguqukayo
I-Scalable yelifu kunye neenkqubo ze-intanethi
Ilungele iinkqubo zePOS zanamhlanje

Izinto ezingeloncedo:
Kufuneka uqhagamshelo lwe-Intanethi
Ukuphunyezwa okunzima ngakumbi
Kuxhomekeke kubukho be-API yomboneleli



Cloud REST API

Olu lwahlulo lwe-REST API lusekwe kwilifu ngokupheleleyo kwaye luvumela ulawulo oluphakathi lweetheminali zentlawulo nge-Intanethi.

Cloud-enabled? Ewe
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Akukho zixhobo zasekhaya ezifunekayo
Ulawulo olusembindini kwiivenkile zamatsheyini
I-scalable kwaye ibhetyebhetye

Izinto ezingeloncedo:
Kuxhomekeke kuqhagamshelo lwe-intanethi oluzinzileyo
ukuthobela iimfuno zokhuseleko lwedatha
Amaxesha anokwenzeka ukubambezeleka ngenxa yonxibelelwano lwamafu



O.P.I (Open Payment Interface)

I-Open Payment Interface (O.P.I) lunxibelelwano lonxibelelwano phakathi kweenkqubo zerejista yemali kunye neendawo zokuhlawula, ezisetyenziswa ngokukodwa kwiimarike zamazwe ngamazwe.

Cloud-enabled? Hayi, isebenza kuphela kuthungelwano lwasekhaya
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Ukhuseleko oluphezulu kunye nokuzinza
Ixhasa iindlela ezahlukeneyo zokuhlawula
Iyasebenziseka kumazwe ngamazwe

Izinto ezingeloncedo:
Akukho xhulumaniso lwamafu lunokwenzeka
Ukuhlanganiswa okuyinkimbinkimbi kunezisombululo ze-API zanamhlanje
Ayisetyenziswa ngokubanzi njenge-ZVT okanye i-REST API



ep2 (EFT/POS 2000)

I-ep2 ngumgangatho wentlawulo ophuhliswe eSwitzerland oqinisekisa unxibelelwano olufanayo phakathi kweenkqubo zerejista yemali kunye neetheminali. Ifuna i-ID ye-terminal yamanani.

Cloud-enabled? Hayi, iinethiwekhi zasekhaya kuphela
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
isisombululo esisemgangathweni eSwitzerland
Imigangatho yokhuseleko ephezulu
Ujongano olufanayo lwababoneleli abohlukeneyo

Izinto ezingeloncedo:
Ilinganiselwe kwimarike yaseSwitzerland
Akukho kudityaniswa kwamafu kunokwenzeka
I-flexible engaphantsi kunezisombululo ze-API zanamhlanje



myPOS

I-myPOS sisisombululo sentlawulo yefu yanamhlanje esingadingi naziphi na iziseko zasekhaya.

Cloud-enabled? Ewe
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Kulula ukuphumeza
Ilifu-elisekwe ukuguquguquka okuphezulu
Ixhasa iindlela ezininzi zokuhlawula

Izinto ezingeloncedo:
Kuxhomekeke kumboneleli we-myPOS
Iinketho ezilinganiselweyo zokwenza ngokwezifiso
Kufuneka uqhagamshelo lwe-Intanethi



NEXO

I-NEXO ngumgangatho owaziwayo kumazwe ngamazwe wentengiselwano yentlawulo enika ukusebenzisana kunye nokhuseleko.

Cloud-enabled? Ewe
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Ubungqina bexesha elizayo kunye nokwandiswa
Ivunywe kumazwe ngamazwe
Ixhasa ifu kunye neenethiwekhi zendawo

Izinto ezingeloncedo:
Ukuphunyezwa okuyinkimbinkimbi
Ayikamiselwa kuyo yonke indawo
Umzamo woqeqesho oluphezulu



ISO 20022

Umgangatho wentlawulo yehlabathi obaluleke kakhulu kwiibhanki kunye nababoneleli benkonzo yezemali.

Cloud-enabled? Ewe
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Umgangatho wobungqina bexesha elizayo
Ixhasa iifomati ezininzi zentlawulo
Ukhuseleko oluphezulu

Izinto ezingeloncedo:
Inzima kwaye ayisoloko ilula ukuyiphumeza
Iindleko eziphezulu zohlengahlengiso
Ngokukodwa kwiibhanki, ngaphantsi kweentengiso



SIX (TIM)

Iprothokholi yobunini yeeNkonzo zeNtlawulo eziTHANDATHU, ezihlala zisetyenziswa eSwitzerland.

Cloud-enabled? Hayi
Ifuna i-ID yeterminal yamanani? ! Hayi

Izinto eziluncedo:
Ukhuseleko oluphezulu
Ilungiselelwe ngokukodwa imarike yaseSwitzerland
Ukusebenza okuzinzileyo

Izinto ezingeloncedo:
Ayihanjiswa kumazwe ngamazwe
Akukho buchule bamafu
Ukuguquguquka okulinganiselwe



Umboneleli / umboneleli weSoftPOS eyakhe iprotocol yePOS

Abaninzi abafumanayo (abaqhubeki bentlawulo) kunye nababoneleli beSoftPOS (ababoneleli bee-terminals zokuhlawula ezisekelwe kwisoftware) banikela nge-API yabo yokudibanisa irejista yemali. Ezi APIs zilungelelaniswe ngokukodwa kwiinkqubo zazo zokuhlawula kwaye zivumela uxhulumaniso oluthe ngqo kwiqonga lokufumana okanye iSoftPOS app.

Cloud-enabled? Ewe, kwiimeko ezininzi
Ifuna i-ID yeterminal yamanani? ! Hayi, i-ID yomthengisi ekhethekileyo okanye iqhosha le-API lihlala lisetyenziswa

Izinto eziluncedo:
Uqhagamshelo oluthe ngqo kwiprosesa yentlawulo ngaphandle kwababoneleli beqela lesithathu
Ulawulo olupheleleyo kwiinkqubo zentlawulo
Ngokuqhelekileyo ukuphunyezwa ngokulula ngeteknoloji ye-API yanamhlanje

Izinto ezingeloncedo:
Ukuxhomekeka kulowo ufumeneyo okanye umboneleli weSoftPOS
Ngokunokwenzeka ngaphantsi bhetyebhetye kuneeprothokholi jikelele
Iimfuno zokuphunyezwa ezahlukeneyo ngokuxhomekeke kumboneleli
Ukutshintshela komnye umfumani kunokufuna uhlengahlengiso olunzima



Iiprothokholi zeVerifone FIPay / VX

I-Verifone inikezela ngeseti yayo yeeprothokholi kwizizukulwana ezahlukeneyo zetheminali. Ezi zivela kwiimodeli ezindala zeVX ukuya kwizixhobo zanamhlanje ezisekelwe kwi-Android kunye neFIPay (i-API ye-Verifone's cloud-enabled API).

Cloud-enabled? Ewe (FIPay) / Hayi (iiprothokholi zeVX ezindala)
Isazisi setheminali samanani siyafuneka? ! Hayi

Izinto eziluncedo:
Isasazwa ngokubanzi, ngakumbi eYurophu naseMntla Melika
Inkxaso yeendlela ezahlukeneyo zokuhlawula (ikhadi letyala, i-NFC, intlawulo yeselula)
I-FIPay yenza udibaniso lwamafu lwangoku

Izinto ezingeloncedo:
Iprothokholi yobunini, ngoko ke ithambile
Iiprothokholi ze-VX ezindala azikho ilifu
Ithintelwe kwezinye iitheminali zeVerifone



Adyen Terminal API

I-Adyen inikezela ngokupheleleyo kwi-API-based processing processing enokuthi idibaniswe kunye neeterminals eziphathekayo, iintlawulo ze-intanethi kunye nezisombululo ze-POS zeselula. Ingakumbi umdla kubathengisi bamazwe ngamazwe kunye neqhinga omnichannel.

Cloud-enabled? Ewe
Isazisi setheminali samanani siyafuneka? ! Hayi

Izinto eziluncedo:
Udibaniso lwe-API oluguquguqukayo kakhulu lwe-POS, i-eCommerce kunye neselula
Ixhasa iintlawulo ezingaqhagamshelwanga kunye nezipaji zedijithali (Apple Pay, Google Pay)
Akukho ID ye-terminal ezinzileyo iyimfuneko

Izinto ezingeloncedo:
Ugxininiso olomeleleyo kwi-ecosystem ye-Adyen - ayihambelani kakhulu nabafumana umntu wesithathu
Ukuphunyezwa kokuqala kunokuba yimfuneko ngakumbi ngokobugcisa
Iimodeli zamaxabiso e-Adyen azilunganga kubo bonke abathengisi



Stripe Terminal API

I-Stripe yaziwa ngokuyintloko njengomboneleli wentlawulo ye-intanethi, kodwa ikwabonelela ngesisombululo se-POS nge-terminal API. Eyona nto inomdla kwisiqalo, iinkampani ze-e-commerce kunye nabathengisi bamazwe ngamazwe abane-POS enikwe ilifu.

Cloud-enabled? Ewe
Isazisi setheminali samanani siyafuneka? ! Hayi

Izinto eziluncedo:
Udibaniso lwe-API olulula kakhulu lwe-POS kunye neentlawulo ze-intanethi
Isisombululo esinokukhawuleza kubathengisi abaneendawo ezininzi
Ixhasa iindlela zokuhlawula zangoku (umzekelo, iApple Pay, iGoogle Pay)

Izinto ezingeloncedo:
Ugqaliselo olomeleleyo kwi-ecosystem ye-Stripe – ayiguquguquki kangako kwiqela lesithathu
Ayingabo bonke abafumani abaxhaswayo
Iintlawulo zentengiselwano ezinokwenzeka eziphezulu xa kuthelekiswa nababoneleli bemveli



CB2 (Cartes Bancaires – France)

I-CB2 yiprothokholi esetyenziswa kakhulu eFransi ukuhlawula ngetyala kunye nekhadi lebhanki. Isetyenziswa ziibhanki ezininzi zaseFransi kunye nabarhwebi kwaye idityaniswe ngokusondeleyo kwinethiwekhi yentlawulo yeCartes Bancaires.

Cloud-enabled? Hayi, iinethiwekhi zasekhaya kuphela
Isazisi setheminali samanani siyafuneka? ! Ewe

Izinto eziluncedo:
Isasazeke eFransi
Uqhagamshelo oluthe ngqo kwiibhanki zaseFransi
Ilungiselelwe iitransekshini zesizwe

Izinto ezingeloncedo:
Akukho nkxaso lifu lemveli
Ukusetyenziswa kwamazwe ngamazwe kuthintelwe
Ubunini kwaye bubotshelelwe ngamandla eFransi



I-J/XFS (i-Java/eUkwandiswa kweeNkonzo zezeMali)

I-J/XFS ngumgangatho ovulekileyo weenkqubo ze-POS kunye nee-ATM. Ivumela uxhulumaniso oluguquguqukayo lwee-terminal terminals, ii-ATM kunye nezinye izixhobo zemali nge-API ezimeleyo yeqonga.

Cloud-enabled? Hayi (udibaniso lwendawo)
Isazisi setheminali samanani siyafuneka? ! Hayi

Izinto eziluncedo:
Ujongano olusemgangathweni lweetheminali ezahlukeneyo zentlawulo
Imodyuli elungileyo yeebhanki kunye nabathengisi abakhulu
Ukuzimela kubavelisi be-terminal

Izinto ezingeloncedo:
Ixhaphake kancinci kwiinkqubo zerejista yemali zakudala
Ukuphunyezwa kunokuba nzima
Akukho nkxaso lifu lemveli



I-ELM (i-Electronic Lock Management) - kwizikhululo zegesi kunye ne-e-mobility

I-ELM isetyenziselwa isikhululo segesi kunye neentlawulo ze-e-mobility. Idibanisa iinkqubo zerejista yemali kunye neempompo zegesi okanye izikhululo zokutshaja ukwenzela ukuba iinkqubo zokuhlawula zisebenze ngaphandle komthungo.

Cloud-enabled? Ewe
Isazisi setheminali samanani siyafuneka? ! Ewe

Izinto eziluncedo:
Ilungiselelwe ngokukodwa izikhululo zegesi kunye nezikhululo zokutshaja nge-elektroniki
Ilifu lilungele izisombululo zokuhamba zangoku
Ixhasa iindlela ezahlukeneyo zokuhlawula (ikhadi, usetyenziso, iRFID)

Izinto ezingeloncedo:
Ishishini-lithe ngqo - ayifanelekanga kubathengisi bemveli
Ukuphunyezwa kaninzi kuyenzeka kuphela ngababoneleli abakhethekileyo
Ukuxhomekeka ngamandla kubaboneleli beziseko ezingundoqo



Iiprothokholi zeSoftPOS (umxhasi/umboneleli othile we-APIs)

Izisombululo zeSoftPOS zenza ukuba intlawulo yekhadi ihlawule simahla ngee-smartphones okanye iitafile. Abaninzi abafumanayo (umzekelo, i-myPOS, i-SumUp, i-Adyen, i-Stripe, i-PayPal) baye baphuhlisa iiprothokholi zabo ze-API zeSoftPOS.

Cloud-enabled? Ewe
Isazisi setheminali samanani siyafuneka? ! Hayi, i-ID yomthengisi ekhethekileyo okanye iqhosha le-API lihlala lisetyenziswa

Izinto eziluncedo:
Akukho hardware iyimfuneko - i-smartphone okanye ithebhulethi yanele
I-Flexible kwaye ilula kubathengisi abancinci okanye ababoneleli ngenkonzo yeselula
Ixhasa iintlawulo ngaphandle koqhagamshelwano (NFC, Apple Pay, Google Pay)

Izinto ezingeloncedo:
Ngokuqhelekileyo kuthintelwe kubathungi abathile okanye ababoneleli
Ayizizo zonke iibhanki kunye nabafumana inkxaso yeSoftPOS
Imirhumo enokwenzeka ephezulu ngentengiselwano nganye



I-SumUp Terminal API

I-SumUp ngumboneleli odumileyo weentlawulo zekhadi leselula kwaye, kunye ne-terminal API yayo, inikezela nge-interface yokudibanisa kwiinkqubo zerejista yemali, ii-apps zeselula okanye iivenkile ze-intanethi. I-API yenza ukuba ii-terminals ze-SumUp zixhunywe ngokulula kwiinkqubo ze-POS kunye namaqonga elifu.

Cloud-enabled? Ewe
Isazisi setheminali samanani siyafuneka? ! Hayi

Izinto eziluncedo:
Ukudibanisa okulula kunye nokukhawuleza nge-API
Akukho ID yeterminal yamanani efunekayo
Ilungele abarhwebi abancinci, abantu abazisebenzelayo kunye nabanikezeli benkonzo beselula
Ixhasa iintlawulo ezingaqhagamshelwanga kunye nezipaji eziphathwayo (Apple Pay, Google Pay)

Izinto ezingeloncedo:
Kuxhomekeka kwi-ecosystem ye-SumUp – ayiguquguquki kangako kubantu besithathu
Iinketho ezilinganiselweyo zokwenza ulungelelwaniso lwabarhwebi abakhulu
Ayingabo bonke abafumani baxhasa uqhagamshelo oluthe ngqo kwi-SumUp, umz
Imirhumo enokwenzeka ephezulu ngentengiselwano nganye



Isishwankathelo
Ukukhetha i-protocol yerejista yemali echanekileyo ixhomekeke kwiimfuno zomntu ngamnye zenkampani. Ngelixa i-ZVT kunye ne-ep2 zibonakalisiwe, imigangatho yendawo, i-REST API kunye ne-NEXO zibonelela ngeendlela zanamhlanje, ezikwazi ukusebenzisa ifu. I-Cloud REST API kunye ne-myPOS yenza kube lula ukuhlanganiswa kwamafu, ngelixa i-ISO 20022 ibaluleke kakhulu kwiibhanki.

Umfumani okanye ii-APIs zeSoftPOS zinika uqhagamshelo oluthe ngqo kwiqonga lokuhlawula elichaphazelekayo kwaye lifaneleke ngokukodwa kubathengisi abafuna ukusebenza ngokusondeleyo nomnikezeli wenkonzo ethile yentlawulo.

Ingaba indawo okanye ifu-based: iprotocol efanelekileyo iqinisekisa unxibelelwano oluzinzileyo kunye neentlawulo ezigudileyo.

💡 Ingcebiso yethu

Ukuba ujonge ukhuseleko oluphezulu lwexesha elizayo kunye nokuguquguquka, kuya kufuneka uthembele kwisisombululo esisekwe kwi-API okanye kwilifu.

Ukuba ufuna udibaniso oluqinisekisiweyo, oluzinzileyo, ungasebenzisa iiprothokholi zakudala ezifana ne-ZVT okanye i-ep2.

Abo sele besebenza ngokusondeleyo kunye nomxhasi okanye umboneleli weSoftPOS banokuzuza kwii-API zabo zobunikazi.

Ngaba ufuna ingxelo ethile okanye engadweliswanga yerejista yemali? Nceda uzive ukhululekile ukuqhagamshelana nathi.

Makhe sikucebise ukuba ufumane isisombululo esifanelekileyo kwiimfuno zakho!