I-Bank of Spain ixwayisa ngokuhlehlisa izinkokhelo ngekhadi elithile lesikweletu

UMaria AlbertoLANDELA

Ukuhlehliswa kwenkokhelo sekuphenduke insiza evame kakhulu kumakhasimende athenga ngekhadi lesikweletu. Lokhu kungenzeka kokuhlehliswa kunganikezwa ikhasimende "ngemuva kokuthenga, kuwebhu noma ku-App noma ngesikhathi esifanayo nokwenza inkokhelo esitolo, ku-POS ngokwayo", ngokusho kweBhange laseSpain.

Kodwa-ke, ebhizinisini bebefuna ukwazisa bonke abathengi abayisebenzisayo mayelana nokunakekelwa okufanele kuthathwe uma kusetshenziswa le nketho. Le nkokhelo yamahhala ehlinzekwa ngamanye amakhadi esikweletu ingase ihlanganise inkokhiso "yenzalo, ikhomishini noma kokubili".

[Ukugxekwa kwamakhadi esikweletu ahlehlisiwe afana 'nalawo azungezayo' ngezindleko zawo ezikhuphukayo]

Ngakho-ke, kuwebhusayithi esemthethweni yeBhange LaseSpain, batshala okhiye abane okufanele balandelwe ukugwema izinkinga lapho uhlehlisa izinkokhelo zakho.

Izihluthulelo zokuhlehliswa kwenkokhelo

  • Le ndlela yokukhokha ihlukile kuleyo ovame ukuyisebenzisa ekhadini lakho, kungakhathaliseki ukuthi alinayo inzalo noma izungeza ekupheleni kwenyanga, futhi ithinta kuphela izinkokhiso ezithize i-applis.
  • Kusho ukuthi usebenzise umkhawulo wesikweletu osuvele uwunikezile
  • Lokhu kuhlehliswa kungase kube mahhala, kodwa ungase futhi ukhokhiswe inzalo, ikhomishini, noma kokubili.
  • Le mibandela kufanele ifakwe kunkontileka oyisayinile, noma kunoma yisiphi isibuyekezo ibhizinisi lakho elikuthumele lona. Kubalulekile ukuthi ubuyekeze zonke izindlela zokukhokha ngesikweletu ezisekela ikhadi lakho

Izincomo zokuhlehlisa izinkokhelo

Ngesikhathi sokuhlehlisa ukukhokha, iBhange laseSpain liphinde laxwayisa ngezingozi lokhu okungase kube nazo. Nakuba lokhu kuhlehliswa kungase "kulinge kakhulu", kufanele kukhunjulwe ukuthi "kukhiqiza isikweletu okufanele usikhokhe ekugcineni".

Ngenxa yalesi sizathu, ebhizinisini batusa "ukungagunyazi nge-PIN yakho noma i-OTP ukuthi bakuthumele ngaphandle kokwazi ngokucacile izimo ezizosetshenziswa (izinhlobo, isikhathi, amakhomishini, i-APR, ukukhansela ngaphambi kwesikhathi, isikhathi sokuhoxa...)" . Ngaphezu kwalokho, bakucela ukuthi uzibuze ukuthi “kwenzekani uma ubuyisela umkhiqizo obuwuxhase ngezimali”: uma uxhaso lwezimali lukhanselwa noma uma luzohlala luqaphile njengoba kusalindwe ukuhoxiswa kwakho ngaphambi kwesikhathi kokuhlehliswa.

['Thenga manje, ukhokhe kamuva': ubungozi bokudla ngaphandle kokulawula]