Izitolo ezincane zihambisa iningi lemali emnothweni wase-Afrika: ama-spaza, amakhemisi, ama-saluni, izitolo zezinto zokwakha nezitezi zasemakethe. Ku-opharetha we-wallet, yizona isizathu sokuthi amakhasimende agcine ibhalansi esikhundleni sokukhipha konke. Kodwa kumnikazi wesitolo, ukwamukela izinkokhelo ze-wallet kubalulekile kuphela uma kwenza usuku lube lula. Inombolo ye-till esitikeni iyisiqalo; i-app yomthengisi eqhuba isitolo yiyona emgcina kunethiwekhi yakho.
Nakhu lokho le app ekudingayo, kusukela ekhawuntini kuya ebhange.
1. Isikrini sokuqala esibonisa usuku
Umnikazi ufuna ukwazi izinto ezintathu lapho nje evula i-app: kungene malini namuhla, yini elinde ukuxazululwa, nokuthi yini edinga ukunakwa. Izenzo ezisheshayo zemisebenzi evame kakhulu (ukucela inkokhelo, ukuthengisa, ukuxazulula, ukubona umsebenzi) zingaphansi nje kwebhalansi.
2. Izindlela eziningi zokukhokhelwa
- Inombolo ye-till ikhasimende eliyithayipha ku-wallet yalo.
- Ikhodi ye-QR ekhawuntini, emile esitolo noma eguquguqukayo enenani eselifakiwe.
- Isicelo sokukhokha esithunyelwa ocingweni lwekhasimende, elisigunyaza nge-PIN. Funda kabanzi ngokukhokha ngesicelo okuchaziwe.
- Izixhumanisi zokukhokha zama-oda athathwe ngocingo noma ngengxoxo.
Yonke indlela kufanele ingene ebhalansini efanayo ye-till, ibonise igama lomkhokhi nenombolo yesithenjwa ngokushesha, futhi ithumele isiqinisekiso ezinhlangothini zombili. Isitolo okufanele sibheke ucingo oluhlukile endleleni ngayinye yokukhokha sizobuyela kukheshi.
3. Thengisa futhi ulandelele isitoko
Uma izinkokhelo sezingezedijithali, isinyathelo esilandelayo yindawo yokuthengisa elula. Ukuskena noma ukukhetha into, ukuhlanganisa ubhasikidi nokucela inkokhelo ngenqubo eyodwa konga isikhathi ekhawuntini futhi kwakha irekhodi lesitoko ngaphandle komsebenzi owengeziwe. Izexwayiso zesitoko esiphansi zitshela umnikazi ukuthi yini okufanele ayi-ode futhi.
4. Abasebenzi ngaphandle kokwabelana nge-PIN
Izitolo eziningi zinomuntu ongaphezu kwoyedwa ekhawuntini. Umnikazi kufanele akwazi ukwengeza osomashini abangathengisa futhi bamukele izinkokhelo kodwa bangakwazi ukukhipha noma ukuxazulula, futhi abavale uma behamba. Bese konke ukuthengisa kuboshelwa kulowo msebenzi, okuqeda izingxabano ngesikhathi sokuvala.
5. Ukuxazulula okulawulwa ngumnikazi
Ibhalansi ye-till iwusizo kuphela uma umnikazi ekwazi ukuyihambisa. Izinketho ezinhle ukuxazululela ku-akhawunti yasebhange (uma efuna noma ngokohlelo), ukudlulisela ku-wallet yomnikazi siqu, nokukhipha ku-ejenti. Izindleko nesikhathi sokufika kufanele kucace ngaphambi kokuqinisekisa. Ukuxazulula okuzenzakalelayo nsuku zonke kufanela izitolo ezinkulu; ezincane zivame ukushiya imali ku-till ukuze zikhokhele abahlinzeki.
6. Khokhela abahlinzeki usebenzisa i-till
Ukuvala umjikelezo yikho okwenza izinkokhelo zedijithali zihlale. Uma isitolo singakhokhela umsabalalisi waso, irenti nabasebenzi ngebhalansi ye-till, imali ayidingi neze ukuphinde ibe ukheshi. Abasabalalisi abamukela izinkokhelo ze-wallet bakhokhelwa ngokushesha futhi baphatha ukheshi omncane emizileni yokulethwa kwempahla. Bona izinkokhelo eziningi ngesikhathi esisodwa ohlangothini lomsabalalisi.
7. Amarekhodi asebenzela intela nesikweletu
Umbiko we-Z wansuku zonke, isitatimende senyanga nefayela umcwaningimabhuku angalifunda kuguqula umlando wezinkokhelo zesitolo ube yimpahla eyigugu. Ababolekisi basebenzisa ngokwandayo umlando we-till ukunikeza imalimboleko yemali yokusebenza, ekhokhwa ngokuzenzakalelayo ekuthengiseni kwesikhathi esizayo. Lokho kusebenza kuphela uma amarekhodi ephelele futhi ethembekile.
Lokho u-opharetha akudingayo ngemuva kwe-app
- Ukubhaliswa kwabathengisi nge-KYC yebhizinisi, imikhawulo enamazinga nokugunyaza okusheshayo.
- Izinhlelo zezindleko zabathengisi ngesigaba ngasinye, ezilungiseka ngaphandle kwekhodi.
- Amaqoqo okuxazulula anemibiko ecacile, avumelaniswa nebhange nsuku zonke.
- Amathuluzi asensimini abasebenzi abaqasha futhi basekele abathengisi.
Imibuzo evame ukubuzwa
Ingabe izitolo zidinga i-smartphone?
I-app ephelele iyayidinga, kodwa ucingo olujwayelekile lusengakwazi ukwamukela izinkokhelo ze-till neziqinisekiso ze-SMS, nokubheka ibhalansi nge-USSD. Izitolo eziningi ziqala lapho bese zithuthuka.
Isitolo singaqala ngokushesha kangakanani ukwamukela izinkokhelo?
Ngokubhalisa kwedijithali ne-KYC enamazinga, isitolo esincane singaqala ukusebenza ngalolo suku ngomkhawulo wokuqala, okhuphuka ngemuva kokuqinisekiswa kwamadokhumenti.
Ingabe indawo yokuthengisa ingumkhiqizo ohlukile?
Akudingeki ukuthi kube njalo. Indawo yokuthengisa elula ngaphakathi kwe-app yomthengisi yanele izitolo eziningi ezincane; izitolo ezinkulu zingaxhuma izinhlelo zazo nge-API.
I-PesaBridge ihlanganisa i-app yomthengisi enama-till, i-QR, izicelo zokukhokha, indawo yokuthengisa elula, izindima zabasebenzi, ukuxazulula nezinkokhelo kubahlinzeki, ku-ledger efanayo ne-wallet yamakhasimende akho. Yibone ekhasini elithi Hlola.