Amafaranga yanditse


Amafaranga yandikisha protocole - ishingiro rya sisitemu yo kwishyura igezweho

Iriburiro: Porotokole yo kwandikisha amafaranga ni iki kandi ikoreshwa iki?

Mwisi yisi yishyuwe idafite amafaranga, protocole yama cash ningirakamaro muguhuza sisitemu yo kwandikisha amafaranga hamwe na terefone. Basobanura uburyo ibyo bikoresho bivugana kandi byemeza neza uburyo bwo kwishyura bwizewe kandi bunoze.

Buri protokole ya protocole ifite imbaraga zayo, intege nke nibisabwa tekinike. Bamwe bakora gusa kumurongo waho, mugihe abandi bariteguye. Mu buryo nk'ubwo, protocole zimwe zisaba indangamuntu yumubare kugirango tumenye neza itumanaho.

Ibyiza bya protocole yatoranijwe neza:
Ibikorwa byihuse kandi byizewe
Kwinjiza byoroshye muri sisitemu yo kwandikisha amafaranga
Umutekano wo hejuru ukoresheje intera isanzwe
Guhuza ibicu birashoboka kubuyobozi bukuru

Hano turakumenyesha kuri protocole yingirakamaro cyane ya protocole hamwe nibiranga, ibyiza nibibi.

Gufungura, protocole isanzwe ifite agaciro cyane kubikorwa bya mobile na sisitemu ya POS.

Incamake ya protocole yingirakamaro cyane



ZVT (Ikirangantego cyo kwishyura)

ZVT nigipimo gikoreshwa cyane mubihugu bikoresha Ikidage mu itumanaho hagati ya sisitemu ya POS hamwe na terefone. Ishingiye kumurongo waho uhuza kandi bisaba indangamuntu yumubare.

Igicu? Oya, gusa imiyoboro yaho
Irasaba indangamuntu yumubare? ! Yego

Ibyiza:
Byemejwe kandi bikoreshwa cyane mubudage
Ihuza ryinshi na sisitemu nyinshi zo kwandikisha amafaranga
Imikorere ihamye kandi yizewe

Ibibi:
Nta guhuza ibicu bishoboka
Imiterere ihindagurika ya sisitemu igezweho, ishingiye kuri API
Ntabwo ari byiza ku masoko mpuzamahanga



REST API

REST APIs ituma itumanaho rigezweho hagati yama cash na terefone yo kwishyura ukoresheje interineti. Biroroshye guhinduka kandi akenshi bifasha ibicu.

Igicu? Yego
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Ihuriro ryigenga kandi ryoroshye
Igipimo cyibicu na sisitemu yo kumurongo
Nibyiza kuri sisitemu yo kwandikisha amafaranga agezweho

Ibibi:
Umuyoboro wa interineti urakenewe
Gushyira mubikorwa byinshi
Biterwa nuwabitanze API iboneka



Igicu CYIZA API

Iyi variant ya REST API ishingiye kubicu rwose kandi ituma imiyoborere yo hagati yimishahara ikoresheje interineti.

Igicu? Yego
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Nta bikorwa remezo byaho bisabwa
Hagati igenzurwa kububiko bwurunigi
Ikigereranyo kandi cyoroshye

Ibibi:
Biterwa numuyoboro uhamye wa enterineti
Kurikirana ibisabwa byo kurinda amakuru
Ubukererwe bushoboka kubera itumanaho ryigicu



OPI (Gufungura uburyo bwo kwishyura)

Gufungura kwishura (O.P.I) ni intera yo gutumanaho hagati ya sisitemu ya POS hamwe na terefone yo kwishyura, ikoreshwa cyane cyane ku masoko mpuzamahanga.

Igicu? Oya, gusa ikora mumiyoboro yaho
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Umutekano muke n'umutekano
Shyigikira uburyo butandukanye bwo kwishyura
Ikoreshwa ku rwego mpuzamahanga

Ibibi:
Nta gihu gihuza gishoboka
Kwishyira hamwe bigoye kuruta ibisubizo bigezweho bya API
Ntabwo ikoreshwa cyane nka ZVT cyangwa REST API



ep2 (EFT / POS 2000)

ep2 ni igipimo cyo kwishyura cyatejwe imbere mu Busuwisi cyemeza itumanaho rimwe hagati ya sisitemu yo kwandikisha amafaranga na terefone. Irasaba indangamuntu yumubare.

Igicu? Oya, gusa imiyoboro yaho
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Igisubizo gisanzwe mu Busuwisi
Ibipimo byo hejuru byumutekano
Imigaragarire imwe kubatanga ibintu bitandukanye

Ibibi:
Kugarukira ku isoko ryo mu Busuwisi
Nta guhuza ibicu bishoboka
Ntabwo byoroshye guhinduka kuruta ibisubizo bya API bigezweho



myPOS

myPOS nigisubizo kigezweho cyo kwishyura kidakenera ibikorwa remezo byaho.

Igicu? Yego
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Biroroshye kubishyira mubikorwa
Igicu gishingiye kuburyo bworoshye
Shyigikira uburyo bwinshi bwo kwishyura

Ibibi:
Ukurikije utanga myPOS
Amahitamo yihariye
Umuyoboro wa interineti urakenewe



NEXO

NEXO ni amahame azwi ku rwego mpuzamahanga mu bikorwa byo kwishyura bitanga imikoranire n'umutekano.

Igicu? Yego
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Ibihe bizaza kandi byaguka
Kumenyekana ku rwego mpuzamahanga
Shyigikira igicu hamwe numuyoboro waho

Ibibi:
Gushyira mu bikorwa bigoye
Ntabwo yashinzwe ahantu hose
Imbaraga zo guhugura



ISO 20022

Igipimo cyo kwishura kwisi yose gifite akamaro kanini kubanki nabatanga serivise yimari.

Igicu? Yego
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Ibihe bizaza
Shyigikira uburyo bwinshi bwo kwishyura
Umutekano muke

Ibibi:
Biragoye kandi ntabwo buri gihe byoroshye kubishyira mubikorwa
Amafaranga menshi yo guhinduka
Ahanini kubanki, make kubicuruzwa



SIX (TIM)

Porotokole yihariye ya serivisi itandatu yo kwishyura, ikoreshwa mubusuwisi.

Igicu? Oya
Irasaba indangamuntu yumubare? ! Oya

Ibyiza:
Umutekano muke
Byarushijeho kuba byiza ku isoko ryo mu Busuwisi
Imikorere ihamye

Ibibi:
Ntabwo yatanzwe ku rwego mpuzamahanga
Nta bushobozi bushoboka
Guhinduka guke



Uwabonye / SoftPOS utanga POS protocole APIs

Abaguzi benshi (abatunganya ubwishyu) hamwe nabatanga SoftPOS (abatanga ama software ashingiye kuri software) batanga API zabo kugirango bahuze amafaranga. Izi API zahujwe cyane na sisitemu yo kwishura kandi igushoboza guhuza byimazeyo na porogaramu yabaguzi cyangwa porogaramu ya SoftPOS.

Igicu? Yego, akenshi
Irasaba indangamuntu yumubare? ! Oya, ID idasanzwe yumucuruzi cyangwa urufunguzo rwa API rukoreshwa kenshi

Ibyiza:
Ihuza ritaziguye no gutunganya ubwishyu nta bandi bantu batanga
Igenzura ryuzuye muburyo bwo kwishyura
Akenshi gushyira mubikorwa byoroshye binyuze mubuhanga bugezweho bwa API

Ibibi:
Biterwa nuwabiguze cyangwa SoftPOS itanga
Birashoboka ko bitoroshye guhinduka kuruta protocole yisi yose
Ibisabwa bitandukanye byo gushyira mubikorwa bitewe nuwabitanze
Guhindukira kubandi baguzi birashobora gusaba guhinduka



Verifone FIPay / VX protocole

Verifone itanga protocole yayo kuri protocole itandukanye. Izi ntera kuva moderi za VX zishaje kugeza kubikoresho bigezweho bishingiye kuri Android hamwe na FIPay (API igicu cya Verifone).

Igicu? Yego (FIPay) / Oya (protocole ya VX ishaje)
Indangamuntu ya numero isabwa? ! Oya

Ibyiza:
Ikwirakwijwe cyane, cyane cyane mu Burayi no muri Amerika y'Amajyaruguru
Inkunga yuburyo butandukanye bwo kwishyura (ikarita yinguzanyo, NFC, kwishura mobile)
FIPay ituma igicu kigezweho

Ibibi:
Porotokole yihariye, kubwibyo rero ntabwo byoroshye guhinduka
Porotokole ya VX ishaje ntabwo yiteguye
Igice kimwe kigarukira kuri terefone zimwe za Verifone



Adyen Terminal API

Adyen itanga uburyo bwuzuye bwo gutangiza ubwishyu bwa API bushobora guhuzwa na terefone zifatika, kwishura kumurongo hamwe nigisubizo cya POS igendanwa. By'umwihariko birashimishije kubacuruzi mpuzamahanga bafite ingamba zose.

Igicu? Yego
Indangamuntu ya numero isabwa? ! Oya

Ibyiza:
Guhuza cyane API guhuza POS, eCommerce na mobile
Shyigikira ubwishyu butishyurwa hamwe na gapapuro ya digitale (Apple Pay, Google Pay)
Nta ndangamuntu ihamye ikenewe

Ibibi:
Kwibanda cyane kuri ecosystem ya Adyen - bidahuye neza nabandi baguzi
Gushyira mubikorwa byambere birashobora kuba byinshi mubuhanga
Moderi y'ibiciro bya Adyen ntabwo ari byiza kubacuruzi bose



Stripe Terminal API

Stripe izwi cyane nkumuntu utanga kuri interineti, ariko kandi itanga igisubizo cya POS hamwe na Terminal API. By'umwihariko birashimishije kubitangira, amasosiyete ya e-ubucuruzi hamwe nabacuruzi mpuzamahanga hamwe na POS ifasha ibicu.

Igicu? Yego
Indangamuntu ya numero isabwa? ! Oya

Ibyiza:
Byoroshye cyane API guhuza POS no kwishura kumurongo
Igisubizo kinini kubacuruzi bafite ahantu henshi
Shyigikira uburyo bugezweho bwo kwishyura (urugero: Apple Pay, Google Pay)

Ibibi:
Kwibanda cyane kuri ecosystem ya Stripe - ntibishobora guhinduka kubandi bantu
Abaguzi bose ntabwo bashyigikiwe
Birashoboka amafaranga menshi yo kugurisha ugereranije nababitanga gakondo



CB2 (Cartes Bancaires - Ubufaransa)

CB2 ni protocole ikoreshwa cyane mubufaransa mukwishyura amakarita yo kubitsa. Ikoreshwa na banki n’abacuruzi benshi bo mu Bufaransa kandi ifitanye isano rya hafi na nete yo kwishyura ya Cartes Bancaires.

Igicu? Oya, gusa imiyoboro yaho
Indangamuntu ya numero isabwa? ! Yego

Ibyiza:
Byakwirakwiriye mu Bufaransa
Guhuza mu buryo butaziguye na banki zo mu Bufaransa
Gukwirakwiza ibikorwa byigihugu

Ibibi:
Nta nkunga ya kavukire
Gukoresha imipaka mpuzamahanga
Umutungo kandi uhujwe cyane n'Ubufaransa



J / XFS (Java / eXtension ya Serivise yimari)

J / XFS ni igipimo gifunguye kuri sisitemu ya POS na ATM. Irashobora guhuza byoroshye guhuza kwishura, ATM nibindi bikoresho byimari ukoresheje urubuga rwigenga API.

Igicu? Oya (kwishyira hamwe kwaho)
Indangamuntu ya numero isabwa? ! Oya

Ibyiza:
Imigaragarire isanzwe yuburyo butandukanye bwo kwishyura
Modularité nziza kuri banki n'abacuruzi benshi
Yigenga kubakora inganda

Ibibi:
Ntibisanzwe kuri sisitemu yo kwandikisha amafaranga
Gushyira mubikorwa birashobora kugorana
Nta nkunga ya kavukire



ELM (Gucunga ibikoresho bya elegitoroniki) - kuri sitasiyo ya lisansi & e-mobile

ELM ikoreshwa kuri sitasiyo ya lisansi no kwishyura e-mobile. Ihuza sisitemu yo kwandikisha amafaranga hamwe na pompe ya gaze cyangwa sitasiyo yo kwishyuza kugirango itangire uburyo bwo kwishyura.

Igicu? Yego
Indangamuntu ya numero isabwa? ! Yego

Ibyiza:
Byatunganijwe byumwihariko kuri sitasiyo ya lisansi na e-charge
Igicu-cyiteguye kubisubizo bigezweho
Shyigikira uburyo butandukanye bwo kwishyura (ikarita, porogaramu, RFID)

Ibibi:
Inganda zihariye - ntizikwiye kubacuruzi gakondo
Gushyira mubikorwa akenshi birashoboka gusa binyuze kubitanga kabuhariwe
Kwishingikiriza cyane kubatanga ibikorwa remezo



Porotokole ya SoftPOS (uwaguze / utanga API yihariye)

Ibisubizo bya SoftPOS bituma ikarita yishyurwa itishyurwa hakoreshejwe terefone cyangwa tableti. Abaguzi benshi (urugero: myPOS, SumUp, Adyen, Stripe, PayPal) bakoze protocole yabo ya API ya SoftPOS.

Igicu? Yego
Indangamuntu ya numero isabwa? ! Oya, ID idasanzwe yumucuruzi cyangwa urufunguzo rwa API rukoreshwa kenshi

Ibyiza:
Nta byuma bikenewe - terefone cyangwa tableti birahagije
Biroroshye kandi byoroshye kubacuruzi bato cyangwa abatanga serivise zigendanwa
Shyigikira ubwishyu butishyurwa (NFC, Apple Pay, Google Pay)

Ibibi:
Akenshi bigarukira gusa kubaguzi cyangwa kubitanga
Ntabwo amabanki nabaguzi bose bashyigikiye SoftPOS
Birashoboka amafaranga menshi kuri buri gikorwa



SumUp Terminal API

SumUp niyamamare itanga amakarita ya terefone igendanwa kandi, hamwe na Terminal API yayo, itanga intera yo kwinjiza muri sisitemu yo kwandikisha amafaranga, porogaramu zigendanwa cyangwa amaduka yo kuri interineti. API ituma SumUp itumanaho guhuzwa byoroshye na sisitemu ya POS hamwe nibicu.

Igicu? Yego
Indangamuntu ya numero isabwa? ! Oya

Ibyiza:
Kwishyira hamwe byoroshye kandi byihuse binyuze muri API
Nta ndangamuntu ya numero isabwa
Nibyiza kubacuruzi bato, abantu bikorera ku giti cyabo hamwe nabatanga serivise zigendanwa
Shyigikira ubwishyu butishyurwa hamwe nu gikapo kigendanwa (Apple Pay, Google Pay)

Ibibi:
Ukurikije ecosystem ya SumUp - ntabwo ihinduka kubandi bantu
Amahitamo yihariye kubacuruzi benshi
Abaguzi bose ntabwo bashyigikiye guhuza bitaziguye na SumUp,
Birashoboka amafaranga menshi kuri buri gikorwa



Incamake
Guhitamo protocole yukuri ya protocole biterwa nibisabwa na sosiyete. Mugihe ZVT na ep2 byemejwe, ibipimo byaho, REST API na NEXO bitanga ubundi buryo bugezweho, bushoboye ibicu. Igicu REST API na myPOS zituma igicu cyoroha guhuza, mugihe ISO 20022 ari ngombwa cyane kubanki.

Umuguzi cyangwa SoftPOS yonyine APIs itanga umurongo utaziguye kurubuga rwishyuwe kandi birakwiriye cyane cyane kubacuruzi bashaka gukorana neza nabatanga serivisi yihariye yo kwishyura.

Nibyiza protocole ihuye nibikorwa remezo bya IT, niko urwego rwose rwo kwishyura ruzagenda neza.

💡 Icyifuzo cyacu

Niba ushaka umutekano ntarengwa wigihe kizaza kandi uhindagurika, ugomba kwishingikiriza kuri API ishingiye cyangwa igicu gishobora gukemura.

Niba ukeneye guhuza byemewe, bihamye, urashobora gukoresha protocole ya kera nka ZVT cyangwa ep2.

Abasanzwe bakorana cyane nuwaguze cyangwa utanga SoftPOS barashobora kungukirwa na API zabo bwite.

Ukeneye raporo yihariye cyangwa idafite urutonde rwamafaranga? Nyamuneka nyamuneka twandikire.

Reka tugire inama yo gushaka igisubizo cyiza kubyo usabwa!