Ukunika Iintiphu Ngedijithali Kumarestaurant AseMzantsi Afrika | Isikhokelo Sabani

Xa abadli behlawula ngekhadi, badla ngokungabi namali eseleyo ye-tip. Abasebenzi balahlekelwa ziintiphu ababezizuza; ulahlekelwa sisixhobo sokugcina abasebenzi ngaphandle kokongeza kwi-wage bill. Ukunika iintiphu ngedijithali kumarestaurant aseMzantsi Afrika kuyilungisa: abathengi bongeza itip kwikhadi elinye okanye kudivayisi ababeyisebenzisa ukuyhlawula, kwaye imali ifikelela eqeleni lakho ngendlela elandelelekayo. Ngaphezu kwe-R1 billion yeentiphu idlulisiwe kwiipulatifomu zokunika iintiphu ngedijithali eMzantsi Afrika, kwaye iivenkile ezibonisa iprompt yetip xa behlawula zibika iintiphu eziphezulu ngokwesilinganiso. Ukuba uqhuba irestaurant okanye ulawula abasebenzi behospitality, ukuqonda indlela iintiphu ezingenamali zisebenza nendlela yokuzenza kubalulekile kumali yeqela lakho nasekukwazini ukubanga nokugcina amathente.

Esi sikhokelo siquka kutheni ukunika iintiphu ngokwesiko kuyehla, yintoni ukunika iintiphu ngedijithali nendlela esebenza ngayo, idatha emva kokutshintsha, izinzuzo kubasebenzi nabani, neenqobo zokusebenzisa nokuqwalasela kwivenkile yakho. Ipapinda imibuzo eqhelekileyo malunga nomthetho, irhafu, nokusabalalisa iintiphu ngokuzenzekelayo. Nokuba uqhathanisa iisixhobo ze-POS zamarestaurant okanye usanda kuqalisa irestaurant yakho kwaye ufuna ukwenza ngokulungileyo eqeleni lakho ukusukela kusuku lokuqala, ukunika iintiphu ngedijithali kufanelekile kwinkqubo yakho.

Kutheni Ukunika Iintiphu Ngokwesiko Kuyehla

Ukusebenzisa imali ephantsi kusekho ngaphezulu kweendawo ezininzi eMzantsi Afrika — ngakumbi kwiilokishi neendawo ezingaqhelekanga — kodwa kuyehla. Abadli abaninzi bahlawula ngeekhadi, i-SnapScan, i-Zapper, i-PayShap, okanye ukuthinta ukuyhlawula. Xa abathengi bengathwali imali, abanakunika itip yemali naxa befuna.

Iintlawulo ngekhadi zithetha imali encinci kwi-wallets. Umzuzu “Ndinganika itip kodwa andinamali” uqhelekile kuwo onke abakhonzi. Abathengi banjongo yokunika itip; abanazo iinoti okanye iikhoyi. Ukudideka kokucela itip yemali — okanye ukubuka umbambi eshakisha iipokotho aze angabi nanto — kubi kwi-experience yombambi kwaye kubibi kubasebenzi abalahlekelwa ngemali abayizuze.

I-COVID-19 yakhawulelisa utshintsho. Iingxaki zokucoceka, ukukhetha ukungachukumisi, nokunyuka kokudlulisa ngeekhadi kuphela ziqhubele abaseMzantsi Afrika ukuya kwiintlawulo ezingenamali ngokukhulu kunoko bekulindelwe. Amarestaurant abebephikisana neemashini zeekhadi okanye iintlawulo zedijithali ekugqibeleni kwaye kwafuneka awamkele; xa abathengi bajwayela ukuhlawula ngekhadi, umkhwa wahlala. Isiphumo: ukungqubana okukhulayo phakathi kwendlela abantu abahlawula ngayo nendlela abanike ngayo iintiphu ngokwesiko.

Ngaphandle kwendlela yokunika itip kwitransaction elinye, loo mnqweno omhle udla ngokuphela. Umbambi uyahamba eziva enecala kancinci; umkhonzi uyahamba eneento encinci kunoko bekufanele. Ukunika iintiphu ngedijithali kumarestaurant aseMzantsi Afrika kuyisombulula ngokuvumela abathengi ukongeza itip endaweni yentlawulo — kwimashini yekhadi, kwiskrini ye-POS, okanye nge-QR code — ukuze injongo iguquke ibe yimali yenyani.

Yintoni Ukunika Iintiphu Ngedijithali?

Ukunika iintiphu ngedijithali (ngamanye amaxesha kubizwa ngokunika iintiphu ezingenamali okanye nge-elektroniki) kuvumela abathengi ukushiya itip besebenzisa indlela yentlawulo abayisebenzisileyo ebillini — ikhadi, i-wallet yeselula, okanye i-app — endaweni yemali.

Indlela esebenza ngayo enyani

Iprompt yetip kwimashini yekhadi okanye i-POS emva kwentlawulo. Indlela eqhelekileyo: umthengi uhlawula ibill yakhe (ukuthinta ikhadi, ukufaka, okanye i-PIN). Phambi kokuba itransaction igqitywe, imashini yekhadi okanye iskrini ye-POS ibonisa iprompt yetip — umz. “Faka itip?” neenketho ezifana ne-10%, 15%, 20% okanye amaxabiso amiselweyo (R10, R20, R50). Umthengi ukhetha inketho (okanye adlule); itip ingezwa kwitransaction elinye okanye igcina ngokukhawulezayo. Imali emva koko ihamba ngokwemigaqo yevenkile (umz. kumkhonzi, okanye kwi-pool yokusabalalisa).

Ukunika itip nge-QR code. Iivenkile ezithile zibeka i-QR code etafeleni okanye kwirisipti. Umthengi uyiscane, avule iphepha okanye i-app, kwaye anokunika itip ngekhadi okanye indlela yentlawulo exhumene. Iyasebenza xa intlawulo yenzeke kwelinye indawo (umz. ukuhlawula ekhawuntini) okanye xa ufuna ukuvumela ukunika iintiphu emva kokuba umbambi ehambile.

Ukunika iintiphu kwi-app. Ukuba usebenzisa i-app yokulungisa, ukuthenga online, okanye iportal yombambi, ukunika iintiphu kunokwakhiwa kuloo nkqubo — umz. “Faka itip kumkhonzi wakho” phambi kokuqinisekisa i-odolo okanye emva kokugqiba ukuthenga. Oku kusebenza kakuhle kubaqhelekileyo nabathengi abaphindayo abasebenzisa iidijithali zakho.

Indlela oyikhethayo ixhomekeke kwi-POS yakho, umniki wentlawulo (umz. Yoco vs iKhokha nendlela abaphatha ngayo iintiphu), nokuba ufuna iprompt kwitheminali, kwiskrini ye-POS yakho, okanye ngesithuba esahlukileyo njenge-QR. I-POS enokunika iintiphu ngaphakathi — njenge-Tafela — igcina yonke into kwisixhobo esinye: itransaction enye, ingxelo enye, neemigaqo zokusabalalisa eziyilungelelanisiweyo.

Amanani: Kutheni Ukunika Iintiphu Ngedijithali Kuyasebenza

Idatha yenza icala eliqinileyo lokunika ukunika iintiphu ngedijithali.

Ngaphezu kwe-R1 billion yeentiphu idlulisiwe kwiipulatifomu zokunika iintiphu ngedijithali eMzantsi Afrika. Oko akuyonto yethiyori — yimali yenyani ehamba kubasebenzi.
Ukunyuka okuya ku-386% kwiintiphu eziphezulu xa ukunika iintiphu ngedijithali kunikwa. Abathengi banika iintiphu ezininzi xa bekhuphiswa ngamaxabiso acacileyo, akhethwayo endaweni yentlawulo. Iipesenti ezicebiswayo okanye amaxabiso zisusa ukudideka kwengqondo “kufuneka ndinike malini?” kwaye zenze kulula ukukhetha inketho enobubele.
Amashishini angaphezu kwe-55,000 ase usebenzisa ukunika iintiphu ngedijithali. Amarestaurant, amakhofi, neebha kuyo yonke i-SA ayamkele; awuzami wedwa.
Abazuza kakhulu phakathi kwabasebenzi bagcina iitransaction ezinika iintiphu ezingaphezu kwe-900 ngenyanga. Kwivenkile ezixakekileyo, loo volumu idibanisa ibe yimali engaphezulu ebalulekileyo.
Iintiphu eziphezulu ngokwesilinganiso — abathengi badla ngokunika iintiphu ezininzi xa bebona amaxabiso acebiswayo (umz. 10%, 15%, 20%) kunaxa kufuneka balibale ukusukela kuqala okanye bafune imali. Iprompt yinkcazo, hayi uciniso; yenza ukunika kulula.
Ukunciphisa ukuba kwebiwe iintiphu neengxabano. Xa iintiphu zidlula kwinkqubo, kukho irekhodi. Ukusabalalisa kunokuba ngokuzenzekelayo nokucacileyo. Abasebenzi bayazi into abafanele bayifumane; abani banokubika ngokufanelekileyo. Iintiphu zemali kunzima ukulandelela kwaye kulula ukulahlekelwa okanye ukuxoxisana ngazo.

Ukunika iintiphu ngedijithali akusitshintshi ubulali — kususa ukudideka (akukho mali, akukho dideko) kwaye kubamba iintiphu ebezingeke zishiwo. Kubasebenzi, oku kuthetha amarandi amakhulu okanye amawaka ngaphezulu ngenyanga.

Iinzuzo Kubasebenzi Nabani

Kubasebenzi: iintiphu eziphezulu nokusabalalisa okucacileyo. Ukunika iintiphu ngedijithali kuqhuba kwiintiphu ezininzi nezinkulu; abasebenzi bevenkile ezinokunika iintiphu ezingenamali badla ngokubona ukunyuka ocacileyo kwiintiphu ezithathwayo. Xa iintiphu zidlula kwi-POS okanye inkqubo yentlawulo, unokumisela imigaqo (zonke kumkhonzi, okanye sahlula ngendima okanye iiyure). Wonke umntu anokubona indlela i-pool ibalwa ngayo. Iintiphu zinokuhlawulwa ngqo kuma-akhawunti yasebenzi ngeveki okanye ngenyanga, okuphucula ukhuseleko nokulula ukubudgeta. Ukuba usebenzisa i-pool, inkqubo inokubala isabelo somntu nganye sinongezelele kwi-pay run. Iintiphu ezihlawulwa ngokusebenzisa inkqubo zinokubikwa ngokuchanekileyo ngerhafu; abasebenzi bafumana irekhodi elicacileyo lomali yeentiphu kwaye abaqeshisi banokuhlala beqondene ne-imfuneko ze-invoyisi yerhafu ye-SARS nengxelo apho kusebenzayo. Xa abasebenzi bebona ukuba ulawulo luthathe inxaxheba ngendlela elungileyo, ebonakalayo yokubafumela iintiphu ezininzi, ukugcina nokukhuthaza rhoqo kuphucula.

Kubani: ukugcina, imali encinci, nengxelo ecacileyo. Umsebenzi unye weengxaki ezinkulu kuhospitality eMzantsi Afrika — 77% yabaqhubi bathi amathente ngabantu yingxaki yabo enkulu. Ukunika ukunika iintiphu ngedijithali nokusabalalisa okucacileyo, okuzenzekelayo yinzuzo ebonakalayo yokuqesha nokugcina. Imali encinci phezulu ithetha ukubala okuncinci, ingozi encinci yokuba kwebiwe, nokuba lula ukuya ebhankini. Ufumana irekhodi elicacileyo leentiphu ezigciniweyo nendlela i-pools zahlulwe ngayo, oku kunceda nge-payroll nayo nayiphi na imibuzo ye-SARS okanye yabasebenzi esikhathini esizayo. Iintiphu yimali yomthengi ehamba kubasebenzi; ukunika ukunika iintiphu ngedijithali akunciphisi imargin yakho. Kwimakethe yabasebenzi ebinzana, iivenkile ezinika ukunika iintiphu esimanje, elungileyo ziphumelela.

Indlela Yokwenza Ukunika Iintiphu Ngedijithali

1. Khetha i-POS enokunika iintiphu ngaphakathi

Ayonke i-till ayixhasi ukunika iintiphu. Khangela i-POS yorestaurant enika iintiphu eziyilungelelanisiweyo njengenxalenye yenkqubo yentlawulo. Tafela ifaka ukunika iintiphu ngedijithali nokudibanisa iintiphu ngokukhethayo nengxelo ngomsebenzi nganye, ukuze ungafuni i-app yokunika iintiphu ehlukileyo okanye umniki.

2. Yilungelelanise iintiphu

Decide indlela ofuna ukucela ngayo iintiphu. Itafile elingezantsi ifinyeza iinketho eziqhelekileyo:

Inketho	Umzekelo	Ilungile kwa
Amaxabiso amiselweyo	R10, R20, R50, okanye “Akukho tip”	Ukudla okune-ticket ephantsi okanye okungaqhelekanga
Iipesenti	10%, 15%, 20%	Amarestaurant agcina etafeleni; imaths ngokuzenzekelayo
Ixabiso eliqhelekileyo	Umthengi ufaka nawuphi na umthamo	Amaqela amakhulu okanye abaqhelekileyo abanobubele

Iinkqubo ezininzi zivumela ukudibanisa ezi (umz. iipesenti ezingeze “Qhelekile”). Khetha into efanelekileyo ebillini yakho ephakathi nabathengi bakho.

3. Misela imigaqo yokusabalalisa

Ngokomntu — iintiphu ziya kumkhonzi owaphatha itafile.
I-pool — iintiphu ziya kwi-pool kwaye zahlulwe ngendima, iiyure, okanye ishifu. Chaza imigaqo kube kanye; inkqubo iyisebenzisa.

Ukuba i-POS yakho iyixhasa, misela ukusabalalisa okuzenzekelayo ukuze abasebenzi bangasuki balandelele iintlawulo ezenziwa ngesandla.

4. Thetha nabathengi

Iikhadi zetafile — iikhadi ezincinci ezithi “Nika umkhonzi wakho ngekhadi lakho — ceba nje” okanye “Scane ukuushiya itip.”
Ukuthetha komkhonzi — “Ungongeza itip kwimashini xa uselungile.” Umgca omfutshane unele; gcina ukukhetha kwaye ungacindezeli.
Irisipti okanye islip — ukuba usebenzisa ukunika itip nge-QR, printa i-QR code kwirisipti ukuze abambi banokunika itip emva kokuhamba.

5. Qeqesha abasebenzi

Qiniseka ukuba abasebenzi bayazi indlela iprompt esebenza ngayo, ukuba ikhetho kumthengi, nendlela iintiphu zisabalalisa ngayo (umz. ngosuku elinye, ngeveki, okanye ngenyanga). Xa beqonda inkqubo, banokuyichaza ngokuzinza kwaye bagweme ukubonakala kucinezwa.

6. Iindlela eziphambili

Uluhlu lwamaxabiso acebiswayo. Sebenzisa amaxabiso afanelekileyo kwindawo yexabiso: 10%, 15%, 20% okanye R10, R20, R50 (okanye zombini). Aphezulu kakhulu abathengi badlula; aphantsi kakhulu ushiya imali etafeleni. Iinketho zembindi (umz. 15%) zidla ngokufumana ukukhetha okuningi.

Ixesha leprompt. Bonisa inketho yetip emva kokuba umthamo wentlawulo uqinisekisiwe, hayi phambili. Umthengi sele uzibophelele ekuhlawuleni; itip yongezelelo. Ukukhuthaza phambi kokuba bebone itotali kunokuziva kucinezayo.

Yenze ukukhetha. Ungacinezi. “Ungathanda ukongeza itip?” unele. Inketho “Akukho tip” okanye “Skippa” kufuneka ihlale ibonakala. Ukucinezwa okanye ukuziva ucinezelelo kuyalimaza uphawu lwakho kwaye kunokubenza abathengi bangabuyi.

Imigaqo yokusabalalisa elungileyo. Bhala phantsi indlela iintiphu zahlulwa ngayo (ngumkhonzi, nge-pool, ngeeyure) kwaye wabelane nabasebenzi. Sebenzisa imigaqo efanayo ngokuqhubekayo. Ukuba usebenzisa i-pool, chaza indlela ibalwa ngayo (umz. ngeeyure ezisebenzileyo kwixesha lokuhlawula).

Ingxelo yeentiphu ngenyanga kubasebenzi. Nika abasebenzi ingxelo elula okanye umgca we-payslip ebonisa itotali yeentiphu zabo kwixesha. Ukucacileyo kwakha uthemba kwaye kunciphisa iingxabano.

Imibuzo Ebuzwa Rhoqo

Abathengi banika iintiphu ezininzi ngokunika iintiphu ngedijithali?

Ewe. Idatha evela kwiipulatifomu zokunika iintiphu ngedijithali ibonisa ukuba xa abathengi banikwa iprompt yetip ecacileyo, ekhethwayo endaweni yentlawulo, iintiphu eziphezulu ngokwesilinganiso zinokunyuka ngokubalulekileyo — kwezinye iimeko ukuya ku-386%. Amaxabiso acebiswayo (umz. 10%, 15%, 20%) enza kulula ukukhetha itip ngaphandle kokubala okanye imali, ukuze abathengi abaninzi banike iintiphu ezininzi kunoko bebengazinika ngemali okanye ngaphandle kweprompt.

Ukunika iintiphu ngedijithali kusemthethweni eMzantsi Afrika?

Ewe. Akukho mthetho othintela ukunika iintiphu ngedijithali okanye ezingenamali. Iintiphu ziintlawulo zokuzithandela ezivela kubathengi kubasebenzi; indlela (imali, ikhadi, okanye i-app) ayitshintshi loo nto. Kusafuneka ulandele umthetho wabasebenzi malunga nendlela iintiphu zisabalalisa ngayo nayo nayiphi na imvumelwano nabasebenzi (umz. imigaqo ye-pool). Ukuba ungaqiniseki, fumana icebiso kumsebenzi werhafu okanye weemployment.

Iintiphu zedijithali zithathwa njani irhafu eMzantsi Afrika?

Iintiphu ngokubanzi zimali ezandleni zomamkeli. I-SARS ingaziphatha njengenxalenye yerhafu ngokuxhomekeke kwindlela zihlawulwa ngayo (umz. nge-payroll vs. ngqo kubasebenzi). Xa iintiphu zidlula kwi-POS yakho okanye i-payroll, unokuzibika ngendlela ezingqubanayo. Abasebenzi kufuneka bagcine iirekhodi zomali yeentiphu kwiirhafu zabo. Kwindlela ethile (umz. i-PAYE, i-UIF), ncwadi umsebenzi werhafu okanye isikhokelo se-SARS. Kw imfuneko ze-invoyisi yerhafu ye-SARS kumarestaurant jikelele, bona isikhokelo sethu sokulawula.

Iintiphu zinokwahlulwa phakathi kwabasebenzi ngokuzenzekelayo?

Ewe. Iinkqubo ezininzi ze-POS nezokunika iintiphu zixhasa ukusabalalisa iintiphu ngokuzenzekelayo. Uchaza imigaqo (umz. 70% kumkhonzi, 30% ekhitshini, okanye sahlula ngeeyure ezisebenzileyo kwi-pool), kwaye inkqubo ibala isabelo somntu nganye kwaye inokuyihlawula ngeeweji okanye ngokwahlukeneyo. Tafela ifaka ukudibanisa iintiphu eziyilungelelanisiweyo nengxelo ngomsebenzi nganye ukuze unokwenza ukwahlula ngokuzenzekelayo kwaye ugcine iirekhodi kwindawo enye.

Isiphelo

Umkhwa wokunika iintiphu eMzantsi Afrika awuyi kuhamba — kodwa imali iyahamba. Ukunika iintiphu ngedijithali kumarestaurant aseMzantsi Afrika kudibanisa umsantsa: abathengi banokunika itip kwikhadi elinye okanye kudivayisi abayisebenzisa ukuyhlawula, kwaye abasebenzi babona imali eninzi, ukusabalalisa okucacileyo, nomoya omhle. Ngeentiphu ezingaphezu kwe-R1 billion ese zigciniwe kwiipulatifomu zedijithali nokunyuka okuya ku-386% xa ukunika iintiphu kunikwa endaweni yentlawulo, icala lokwenza luyaqinisa. Kubani, yindlela yokubanga nokugcina abasebenzi ngaphandle kokongeza kwi-wage bill; kubasebenzi, yimali engaphezulu nokudideka okuncinci.

Khetha i-POS exhasa ukunika iintiphu, yilungelelanise iintiphu nokusabalalisa ngokulungileyo, thetha ngokucacileyo kubathengi, kwaye qeqesha iqela lakho. Gcina iprompt ikhetho, sebenzisa amaxabiso acebiswayo anengqondo, kwaye nika abasebenzi ukubona ngemali yeentiphu zabo. Uya kuba seqeleni elihle — amashishini angaphezu kwe-55,000 aseMzantsi Afrika ase usebenzisa ukunika iintiphu ngedijithali.

Bona indlela i-Tafela igcina ukunika iintiphu kulula nokucacileyo eqeleni lakho — iintiphu eziyilungelelanisiweyo, ukudibanisa iintiphu ngokuzenzekelayo, nengxelo ngomsebenzi nganye kwinkqubo enye. Zama i-Tafela.