Ukunikeza Ngedijithali Emarestaurant AseNingizimu Afrika | Igaidi Labanini

Lapho abadleli bekhokha ngekhadi, ngokuvamile abanayo imali engemali yethiphu. Abasebenzi balahlekelwa amathiphu abebezawathola; ulahlekelwa ithuluzi lokugcina abasebenzi ngaphandle kokungeza emakhishini. Ukunikeza ngedijithali emarestaurant aseNingizimu Afrika kulungisa lokho: amakhasimende engeza ithiphu kwikhadi eliyodwa noma idivayisi abayisebenzisile ukukhokha, futhi imali ifinyelela eqenjini lakho ngendlela elandelekayo. Kudingidwe amathiphu angaphezu kwezigidi eziyi-1 zamarandi ngamapulatifomu okunikeza ngedijithali eNingizimu Afrika, futhi izindawo ezinikeza iphrompti yethiphu ekukhokheni zibika amathiphu aphezulu ngokwesilinganiso. Uma usebenzisa irestaurant noma uphatha abasebenzi behospithali, ukuqonda ukuthi ukunikeza ngemali engakhokhwa kusebenza kanjani nokuthi ungakwenza kanjani kubalulekile kokubili emholweni weqembu lakho nasekhonweni lakho lokudonsa nokugcina amathalenta.

Leli gaidu lithatha ukuthi kungani ukunikeza ngokwesiko kuyancipha, ukuthi ukunikeza ngedijithali kuyini nokusebenza kanjani, idatha ngemuva koshintsho, izinzuzo zabasebenzi nabanini, nezinyathelo eziSebenzayo zokwenza nokulungisa endaweni yakho. Liphendula nemibuzo evame ukubuzwa ngokusemthethweni, intela, nokusabalalisa amathiphu okuzenzakalelayo. Noma uqhathanisa izistimu ze-POS zamarestaurant noma usungule irestaurant yakho futhi ufuna ukwenza kahle eqenjini lakho kusukela usuku lokuqala, ukunikeza ngedijithali kufanele ibe nendawo ekusebenzeni kwakho.

Kungathi Kungani Ukunikeza Ngokwesiko Kuyancipha

Ukusebenzisa imali engemali kusaqhubeka kunezindawo eziningi zaseNingizimu Afrika — ikakhulukazi emalokishini nas ezindaweni ezingakahleleki — kodwa kuyancipha. Abadleli abaningi bakhokha ngamakhadi, i-SnapScan, i-Zapper, i-PayShap, noma ukuthinta-ukukhokha. Lapho amakhasimende engaphathi imali engemali, abakwazi ukushiya ithiphu ngemali engemali noma befuna.

Izinkokhelo zekhadi zisho imali engemali encane kumawallet. Umzuzu “bengizothipa kodwa anginayo imali engemali” ujwayelekile kuso sonke iseva. Amakhasimende ahlose ukunikeza; abanayo kuphela amanothi noma izinhlamvu. Ukunengwa kokucela ithiphu ngemali engemali — noma ubuke isivakashi sifuna emaphaketini bese singalutholi — kubi kwe-experience yesivakashi futhi kubi kakhulu kubasebenzi abalahlekelwa emholweni abawutholile.

I-COVID-19 yasheshisa ushintsho. Izinkinga zokuhlanzeka, ukuthanda ukungathinti, nokukhula kokulethwa nokudla ngekhadi kuphela kudonse abaseNingizimu Afrika baye ezinkokhelweni ezingemali ngokushesha kunalokho ababekulindele. Amarestaurant abebephikisana namashini amakhadi noma izinkokhelo zedijithali kwadingeka awamukele; lapho amakhasimende ajwayela ukukhokha ngekhadi, umkhuba wasala. Umphumela: ukungahambisani okukhulayo phakathi kwendlela abantu abakhokha ngayo nendlela abevele benikeza ngayo.

Ngaphandle kwendlela yokunikeza kutransaksi eliyodwa, lokho kuhle ngokuvamile kuyaphela. Isivakashi sihamba sizizwa sinesono kancane; iseva ihamba nokuncane kunalokho okufanele. Ukunikeza ngedijithali emarestaurant aseNingizimu Afrika kulungisa lokhu ngokuvumela amakhasimende ukungeza ithiphu endaweni yokukhokha — kumshini wekhadi, esikrinini se-POS, noma ngekhodi ye-QR — ukuze inhloso ibe yimali eholwayo yangempela.

Yini Ukunikeza Ngedijithali?

Ukunikeza ngedijithali (kwesinye isikhathi kubizwa ngokunikeza ngemali engakhokhwa noma ngedijithali) kuvumela amakhasimende ukushiya ithiphu basebenzisa indlela yokukhokha efanayo abayisebenzisile ngekhathi — ikhadi, i-wallet yeselula, noma i-app — esikhundleni semali engemali.

Kusebenza kanjani empeleni

Iphrompti yethiphu kumshini wekhadi noma i-POS ngemva kokukhokha. Indlela evame kakhulu: ikhasimende likhokha ikweletu lalo (ukuthinta ikhadi, ukufaka, noma i-PIN). Ngaphambi kokuthi utransaksi ugcwaliseke, umshini wekhadi noma isikrini se-POS sibonise iphrompti yethiphu — isib. “Engeza ithiphu?” nezinketho ezifana no-10%, 15%, 20% noma izimali ezinqunyiwe (R10, R20, R50). Ikhasimende likhetha inketho (noma lidlule); ithiphu ingezwa kutransaksi efanayo noma icutshungulwe ngokushesha. Imali bese ihanjiswa ngokwezimiso zendawo (isib. kuseva, noma epulini yokusabalalisa).

Ikhodi ye-QR yokunikeza. Ezinye izindawo zibeka ikhodi ye-QR etafuleni noma erisithini. Ikhasimende liyiscane, livula ikhasi noma i-app, futhi lingashiya ithiphu ngekhadi noma indlela yokukhokha exhumene. Iyasebenza lapho inkokhelo ngokwayo yenzeke kwenye indawo (isib. ukukhokha ekhawuntini) noma lapho ufuna ukuvumela ukunikeza ngemva kokuthi isivakashi sihambile.

Ukunikeza ku-app. Uma usebenzisa i-app yokulondoloza, ukuhlela online, noma iphortali yabavakashi, ukunikeza kungafakwa kulokho — isib. “Engeza ithiphu kuseva yakho” ngaphambi kokuqinisekisa i-oda noma ngemva kokukhokha. Lokhu kusebenza kahle kubavakashi abajwayelekile nabaphindaphindayo abasevele basebenzisa iziteshi zakho zedijithali.

Indlela yokwenza oyikhethayo incike ku-POS yakho, umhlinzeki wokukhokha (isib. Yoco vs iKhokha nendlela ababhekana ngayo nokunikeza), nokuthi ufuna iphrompti kutherminali, esikrinini se-POS yakho, noma ngesiteshi esihlukile njenge-QR. I-POS enokunikeza okufakelwe — njengoTafela — igcina konke kusistimu eyodwa: utransaksi owodwa, umbiko owodwa, nezimiso zokusabalalisa ezingashintshwa.

Izinombolo: Kungani Ukunikeza Ngedijithali Kusebenza

Idatha yenza icala eliqinile lokunikeza ukunikeza ngedijithali.

Amathiphu angaphezu kwezigidi eziyi-1 zamarandi adingidwe ngamapulatifomu okunikeza ngedijithali eNingizimu Afrika. Lokho akuyona imibono — yimali yangempela ehamba iye kubasebenzi.
Ukukhula okufika ku-386% emathiphini avamile lapho kunikezwa ukunikeza ngedijithali. Amakhasimende anikeza kakhulu lapho ephromothwa ngezimali ezigcwele, ezingakhethwa endaweni yokukhokha. Amaphesenti aphakanyisiwe noma izimali zisusa ukushayeka kwengqondo “kufanele ngishiyeke malini?” futhi kwenza kulula ukukhetha inketho enomusa.
Amabhizinisi angaphezu kuka-55,000 asevele asebenzisa ukunikeza ngedijithali. Amarestaurant, amakhefi, namabha kulo lonke i-SA ayamukelile; awuzilingi wedwa.
Abatholi abaphezulu phakathi kwabasebenzi bacubungula otransaksi abanikezwe abangaphezu kuka-900 ngenyanga. Ezindaweni ezinomsebenzi omningi, lobo bungako budonsa emholweni owengeziwe obalulekile.
Amathiphu aphezulu ngokwesilinganiso — amakhasimende ngokuvamile anikeza kakhulu lapho bebona izimali eziphakanyisiwe (isib. 10%, 15%, 20%) kunalapho kufanele balibale kusukela ekuqaleni noma bafune imali engemali. Iphrompti iyisundu, hhayi uciniso; kwenza ukunikeza kulula.
Ukuncishwa kokweba nokuphikisana kwamathiphu. Lapho amathiphu edlula esistimini, kunerekhodi. Ukusabalalisa kungazenziwa okuzenzakalelayo futhi kusobala. Abasebenzi bayazi lokho abakufanele bakuthole; abanini bangabika ngokulungile. Amathiphu ngemali engemali kunzima ukuwalandelela futhi kulula ukulahleka noma ukuphikisana.

Ukunikeza ngedijithali akuyichazi imusa — kususa ukushayeka (akukho mali engemali, akukho nengwa) futhi kubamba amathiphu abezawungashiywa. Kubasebenzi, lokho kungasho amakhulu noma izinkulungwane zamarandi engeziwe ngenyanga.

Izinzuzo Zabasebenzi Nabanini

Kubasebenzi: amathiphu aphezulu nokusabalalisa okusobala. Ukunikeza ngedijithali kuholela emathiphini amaningi namakhulu; abasebenzi ezindaweni ezinokunikeza ngemali engakhokhwa ngokuvamile babona ukukhuphuka ocacile emathiphini abo. Lapho amathiphu egeleza nge-POS noma isistimu yokukhokha, ungasetha izimiso (konke kuseva obebheke itafula, noma ukuhlukanisa nge-indima noma amahora). Wonke umuntu angabona ukuthi ipuli ibalwa kanjani. Amathiphu angakhokhelwa ngqo emabhange abasebenzi ngeviki noma ngenyanga, okuthuthukisa ukuphepha nokwenza kulula ukubudgeta. Uma usebenzisa ipuli, isistimu ingabala ingxenye yomuntu ngamunye bese iyengeza emakhishini. Amathiphu akhokhelwe ngesistimu angabikwa ngendlela efanele ngentela; abasebenzi bathola irekhodi elicacile lemali yamathiphu futhi abaqashi bangahlala behambisana nezidingo ze-SARS zefaktura yentela nokubika lapho kusebenza. Kabanini: ukugcina, imali engemali encane, nokubika okucacile. Umsebenzi ungenye yezinkinga ezinkulu kwehospithali yaseNingizimu Afrika — u-77% wabasebenzisi baveza amandla abantu njengenkinga yabo enkulu. Ukunikeza ukunikeza ngedijithali ngokusabalalisa okusobala, okuzenzakalelayo kuyinzuzo ebonakalayo yokuqasha nokugcina. Imali engemali encane phansi isho ukubala okuncane, ingozi encane yokweba, nasebhange elula. Uthola irekhodi elicacile lamathiphu acutshunguliwe nendlela amapuli ahlukaniswe ngayo, okusiza ngepayroll noma imibuzo yesikhathi esizayo ye-SARS noma yabasebenzi. Amathiphu yimali yekhasimende eya kubasebenzi; ukuvumela ukunikeza ngedijithali akunciphisi imargin yakho. Emakethe yabasebenzi eqinile, izindawo ezinikeza ukunikeza okusimanje, okulungile zivelele.

Indlela Yokwenza Ukunikeza Ngedijithali

1. Khetha i-POS enokunikeza okufakelwe

Akuyona yonke itill esekela ukunikeza. Funana i-POS yerestaurant enikeza amaphrompti athiphu angashintshwa njengengxenye yokugeleza kokukhokha. Tafela ifaka ukunikeza ngedijithali ngephuli yamathiphu okukhethwa nokubika ngabasebenzi ngamunye, ngakho awudingi i-app yokunikeza ehlukile noma umhlinzeki.

2. Lungisa amaphrompti amathiphu

Nquma ukuthi ufuna ukubuza kanjani ngamathiphu. Itafula elingezansi lifingqa izinketho ezivamile:

Inketho	Isibonelo	Okungcono kakhulu
Izimali ezinqunyiwe	R10, R20, R50, noma “Akukho thiphu”	Ithiketi ephansi noma ukudla okujwayelekile
Amaphesenti	10%, 15%, 20%	Amarestaurant okuhlala phansi; izibalo zizen zakalelayo
Inani elikhethekile	Ikhasimende lingena noma yini inani	Amaqembu amakhulu noma abavakashi abanomusa abajwayelekile

Izistimu eziningi zikuvumela ukuhlanganisa lezi (isib. izinketho zamaphesenti plus “Okukhethekile”). Khetha okufanele ikweletu lakho elivamile namakhasimende akho.

3. Setha izimiso zokusabalalisa

Ngamunye — amathiphu aya kuseva obebheke itafula.
Iphuli — amathiphu aya epulini futhi ahlukaniswe nge-indima, amahora, noma ishifthi. Chaza izimiso kanye; isistimu izisebenzisa.

Uma i-POS yakho isekela, setha ukusabalalisa okuzenzakalelayo ukuze abasebenzi bangabi sadingi ukulandela izinkokhelo ezenziwe ngesandla.

4. Xhumana namakhasimende

Amakhadi etafula — amakhadi amancane athi “Thipa iseva yakho ngekhadi — vele ubuze” noma “Scane ukuze ushiye ithiphu.”
Ukuphawula kweseva — “Ungangeza ithiphu kumshini lapho usulungile.” Umugqa omfushane owodwa wanele; ugcine ukukhetha nokucindezela okuphansi.
Irisithi noma islipu — uma usebenzisa ukunikeza nge-QR, printa ikhodi ye-QR erisithini ukuze abavakashi bakwazi ukunikeza ngemva kokuhamba.

5. Qeqesha abasebenzi

Qiniseka ukuthi abasebenzi bayazi ukuthi iphrompti isebenza kanjani, ukuthi iyinketho yekhasimende, nokuthi amathiphu asabalalisa kanjani (isib. usuku eliyodwa, ngeviki, noma ngenyanga). Lapho beqonda isistimu, bangakuchaza ngokuqiniseka futhi bagweme noma yini umuzwa wokucindezela.

6. Okungcono kakhulu ukwenza

Uhla lwezimali eziphakanyisiwe. Sebenzisa izimali ezifanele inani lakho: 10%, 15%, 20% noma R10, R20, R50 (noma kokubili). Eziphezulu kakhulu amakhasimende adlula; eziphansi kakhulu ushiya imali etafuleni. Izinketho eziphakathi (isib. 15%) ngokuvamile zithola ukukhethwa okuningi.

Isikhathi sephrompti. Bonisa inketho yethiphu ngemva kokuthi inani lokukhokha liqinisekisiwe, hhayi ngaphambi. Ikhasimende sesivele sizibophelele ekukhokheni; ithiphu iyengezo. Ukukhombisa ngaphambi kokuthi babone isamba kungazizwa kucindezelayo.

Yenze ukukhetha. Ungacindezeli. “Ungathanda ukungeza ithiphu?” kwanele. Inketho “Akukho thiphu” noma “Dlula” kufanele ibonakale njalo. Ukucindezela noma ukuzizwa ngesono kulimaza uphawu lwakho futhi kungabuyisa amakhasimende.

Izinqubo zokusabalalisa ezingafanele. Bhala phansi ukuthi amathiphu ahlukaniswa kanjani (ngeseva, ngephuli, ngamahora) bese wabelana nalokho nabasebenzi. Sebenzisa izimiso ezifanayo ngokuqhubekayo. Uma usebenzisa ipuli, chaza ukuthi ibalwa kanjani (isib. ngamahora asebenze ngenkathi yokukhokha).

Ukubika amathiphu ngenyanga kubasebenzi. Nikeza abasebenzi umbiko olula noma umugqa werisithi yemali ekhombisa isamba samathiphu abo ngesikhathi. Ukuvezwa okusobala kwakha ukwethembana futhi kunciphisa ukuphikisana.

Imibuzo Evame Ukubuzwa

Amakhasimende anikeza kakhulu ngokunikeza ngedijithali?

Yebo. Idatha evela kumapulatifomu okunikeza ngedijithali ikhombisa ukuthi lapho amakhasimende enikezwa iphrompti yethiphu ecacile, ekhethwayo endaweni yokukhokha, amathiphu avamile angakhula kakhulu — ezinye izimo kuze kube ku-386%. Izimali eziphakanyisiwe (isib. 10%, 15%, 20%) zenza kulula ukukhetha ithiphu ngaphandle kokubala noma imali engemali, ngakho amakhasimende amaningi anikeza kakhulu kunalokho abebezakwenza ngemali engemali noma ngaphandle kwephrompti.

Ukunikeza ngedijithali kusemthethweni eNingizimu Afrika?

Yebo. Akukho mthetho ovimbela ukunikeza ngedijithali noma ngemali engakhokhwa. Amathiphu yizinkokhelo zokuzithandela ezivela kumakhasimende kuya kubasebenzi; indlela (imali engemali, ikhadi, noma i-app) ayishintshi lokho. Usafanele ulandele umthetho wabasebenzi mayelana nendlela amathiphu asabalalisa ngayo nanoma yiziphi izivumelwano nabasebenzi (isib. izimiso zephuli). Uma ungaqiniseki, thola iseluleko kochwepheshe basebenzi noma bentela.

Amathiphu ngedijithali athelwa kanjani eNingizimu Afrika?

Amathiphu ngokuvamile yimali ezandleni zomamukeli. I-SARS ingabheka njengengxenye yemholo kuye ngendlela akhokhelwa ngayo (isib. ngepayroll vs. ngqo kubasebenzi). Lapho amathiphu edlula ku-POS yakho noma ipayroll, ungawabika ngendlela ehlangene. Abasebenzi kufanele bagcine amarekhodi emali yamathiphu ukuze benze izinkokhelo zentela zabo. Ukuze uthole ukwelashwa okuthile (isib. i-PAYE, i-UIF), xhumana nochwepheshe bentela noma isiqondiso se-SARS. Ukuze uthole izidingo ze-SARS zefaktura yentela zamarestaurant jikelele, bheka igaidu yethu yokuhambisana.

Amathiphu angahlukaniswa phakathi kwabasebenzi okuzenzakalelayo?

Yebo. Izistimu eziningi ze-POS nezokunikeza zisekela ukusabalalisa amathiphu okuzenzakalelayo. Uchaza izimiso (isib. 70% kuseva, 30% ekhishini, noma ukuhlukanisa ngamahora asebenze epulini), futhi isistimu ibala ingxenye yomuntu ngamunye futhi ingakhokhela nemikhwama noma ngokuhlukile. Tafela ifaka iphuli yamathiphu engashintshwa nokubika ngabasebenzi ngamunye ukuze uzenze ukuhlukanisa okuzenzakalelayo futhi ugcine amarekhodi endaweni eyodwa.

Isiphetho

Isiko lokunikeza eNingizimu Afrika aliyekile — kodwa imali engemali iyaphela. Ukunikeza ngedijithali emarestaurant aseNingizimu Afrika kuhlanganisa igebe: amakhasimende anganikeza kwikhadi eliyodwa noma idivayisi abayisebenzisayo ukukhokha, futhi abasebenzi babona imali eningi, ukusabalalisa okucacile, nomoya omuhle. Njengoba amathiphu angaphezu kwezigidi eziyi-1 amarandi asevele edingidwe ngamapulatifomu adijithali nokukhula okuya ku-386% lapho kunikezwa endaweni yokukhokha, icala lokukwenza linoqiniso. Kabanini, kuyindlela yokudonsa nokugcina abasebenzi ngaphandle kokungeza emakhishini; kubasebenzi, yimali eningi nokushayeka okuncane.

Khetha i-POS esekela ukunikeza, lungisa amaphrompti nokusabalalisa ngokufanele, xhumana ngokucacile namakhasimende, futhi uqeqeshe iqembu lakho. Gcina iphrompti iyinketho, sebenzisa izimali eziphakanyisiwe ezinengqondo, futhi Nikeza abasebenzi ukubona amathiphu abo — uzoba seqenjini elihle: amabhizinisi angaphezu kuka-55,000 aseNingizimu Afrika asevele asebenzisa ukunikeza ngedijithali.

Bona ukuthi uTafela ugcina kanjani ukunikeza kulula nokusobala eqenjini lakho — amaphrompti angashintshwa, iphuli yamathiphu ezenzakalelayo, nokubika ngabasebenzi ngamunye kusistimu eyodwa. Zama uTafela.