Apple Cash, Cash App, PayPal n’izindi: Menya neza porogaramu zigezweho mu kwishyura ukoresheje Telefone

Mu rwego rwo gukemura ibibazo hagati y’abaguzi n’abacuruzi, bitewe n’ihererekanya ry’amafaranga. Banki nkuru z’ibihugu zivuga ko abantu bakoresha amafaranga y’impapuro mu kwishura byagabanutse munsi ya 50% ku nshuro ya mbere mu 2021. Imikoreshereze ya serivisi zo kuri murandasi mu kwishyura yari yikubye hafi kabiri ugereranije na 2020.

Mu gihe serivisi zo kwishyura hakoreshejwe umurongo ngendanwa nabyo byorohereje abantu bakanda kuri telefone zabo. Abaguzi bagomba gutekereza ku mafaranga n’ibibazo by’umutekano, ndetse n’uburyo bakoresha bohereza amafaranga. Serivisi nyinshi zitwara iminsi 1-3 kugira ngo bishyirwe mu bikorwa, mu gihe utanga n’amafaranga y’inyongera ya serivise.

Ni ngombwa ko usoma amategeko n’amabwiriza ya buri porogaramu akurikizwa kugira ngo habashe kuba hakishyurwa ikiguzi runaka. Haba ku wohereza cyangwa uwohererezwa. Hari zimwe rero zimaze kuba ubukombe mu gukemura ibi bibazo bigendanye no kwishyura neza kandi ku Isi hose.

1. Apple Cash

Niba ufite iphone, ushobora kohereza no kwakira amafaranga ukoresheje porogaramu yo kohereza ubutumwa na Apple Cash. Ushobora kandi gukoresha ikarita y’inguzanyo ya Apple Cash cyangwa ikarita yo kubikuza kugira ngo utange ubwishyu.

Gukoresha iyi porogaramu, fungura porogaramu hanyuma uhitemo cyangwa ukore umubano mushya. Kanda ku gashusho ka Apple Pay hepfo ku kirahure, hitamo umubare hanyuma ukande icyifuzo cyangwa wohereze. Apple ivuga ko bitwara umunsi umwe kugera kuri itatu kugirango hatunganywe amategeko agenga iki gikorwa.

Apple Cash kuyikoresha ni ubuntu. Keretse uhisemo kubikorerwa ako kanya, bigatunganywa mu mu minota 30, ariko bikishyurwa 1.5% y’amafaranga wohereje bya serivise.

2. Cash App

Iyo umaze kwiyandikisha kuri Cash App, uhabwa $Cashtag. Izina ukoresha ryawe. Ushobora kandi guhita umenya abo muhuje ukoresheje aderesi imeri cyangwa numero ya telefone.

Iyo wongeyeho konti ya banki cyangwa ikarita y’inguzanyo, ushobora kohereza, gusaba no kwakira amafaranga ukoresheje iyi porogaramu. Igihe cyose urimo gutera inkunga no kwakira ubwishyu ukoresheje konte yawe ya banki, nta mafaranga cyangwa amafaranga yo kwishyura. Ariko hariho amafaranga 3% ya serivise yishyurwa niba wishyuye ukoresheje ikarita y'inguzanyo.

Cash App mu busanzwe ifata hagati y’umunsi umwe n’iminsi itatu kugira ngo igikorwa gisuzumwe kandi kirangire. Hano hari uburyo bwo kubona amafaranga yawe ako kanya, ariko wishyuzwa amafaranga angana na 1.5%.

3. Google Pay

Google Pay yasimbuye Google Wallet na Android Pay mu mwaka wa 2018. Ushobora kuyikoresha mu kwishyura ibicuruzwa na serivisi kimwe no kohereza no kwakira amafaranga.

Mu gihe Apple Pay yihariye abakoresha iPhone, umuntu wese ufite konte ya Gmail ashobora nawe gukoresha Google Pay. Ushobora kuyigeraho binyuze muri porogaramu za Google cyangwa ukajya ku rubuga rwayo arirwo pay.google.com.

Kohereza no kwakira mu bisanzwe bifata amasaha 24 mu gihe kohereza kuri banki yahujwe nayo bishobora gufata iminsi itanu. Nta mafaranga asabwa mu gukoresha Google Pay.

4. PayPal

Imwe mu ma porogaramu agezweho kandi akoreshwa n’abatari bake mu isi igezweho mu ikoranabuhanga ni PayPal. Kuyikoresha ni ubuntu mu gihe cyose ihujwe na konte ya banki (cyangwa ufite konte ya banki ya PayPal).

Niba utangiye gucuruza ukoresheje ikarita y’inguzanyo, hari amafaranga 2.9%, wongeraho angana n’amadorari 0.30$ kuri buri gikorwa. Ihererekanyabubasha rishobora gufata umunsi umwe cyangwa itatu kugira ngo bigaragare kuri konte yawe. Ihererekanyabubasha riba ako kanya risabwa byibura amafaranga 1% y’ayo wohereje.

5. Venmo

Iyi porogaramu ni murumuna wa PayPal ari nayo nyirayo. Venmo ni porogaramu ya gatatu izwi cyane mu bubiko bwa App zikoreshwa mu kohereza no kwakira amafaranga. Iyo umaze kuyimanura, ushobora kohereza cyangwa gusaba amafaranga kuri buri wese cyane muri Amerika ukoresheje konte ya Venmo.

Ni ubuntu mu gihe cyose ubwishyu buva kuri konte ya banki, ikarita yo kubikuza cyangwa ikarita yo kubitsa. Ubundi bwishyu buterwa n’ubwoko bw’amakarita y’inguzanyo, Venmo yishyura agera kuri 3% by’ayakoreshejwe mu ihererekanya.

Mu busanzwe bifata hagati y’umunsi umwe n’iminsi itatu kugira ngo igikorwa kibe. Hari uburyo bwo gukora igikorwa ako kanya, bitunganywa mu minota 30 gusa usabwa amafaranga y'inyongera ya 1.5% (byibuze amadorari $0.25 kugera $15).

6. Zelle

Iyi ikoreshwa n’itsinda ry’ibigo birindwi by’imari byo muri Amerika. Bank of America, Capital One, Chase, PNC, Truist, US Bank na Wells Fargo. Zelle igufasha kohereza amafaranga hagati ya konti za banki. Si ngombwa kumanurwa kugira ngo uyikoreshe. Gusa wandika aderesi imeri cyangwa numero ya telefone y’umuntu ushaka koherereza, hanyuma ugakora igikorwa.

Iri hererekanya riba mu buryo bufite umutekano kuko amakuru atangwa na nyiri ukuyikoreasha aguma ari ibanga kandi akoreshwa nawe bwite. Ubu buryo buzwiho kuba ari bumwe mu bwiza bufite umutekano. Ushobora kumanura porogaramu ya Zelle cyangwa ukayikoresha ku rubuga rwa banki yawe ukoresha, niba ari kimwe mu bigo 1300 bikoresha iyi porogaramu.