Stripe, PayPal, ko Square Daskararre 100% na Harajin Kasuwancin ku na Kwanaki 180 (da MATCH / TMF Blacklist Defence)¶

Shiga cikin Stripe, PayPal, Square, Shopify Payments, ko dashboard dillalin Adyen a safiyar ranar Litinin don ganin "An dakatar da biyan kuɗi," "An taƙaita lissafin / Ƙarshe don Babban Haɗari," ko sanarwa cewa ** 25% zuwa 100% na kuɗaɗen abokin cinikin ku ana kulle su a cikin kamfani na banki guda 90 zuwa 180 wanda zai iya samun riba. sake zagayowar. Masu Gudanar da Biyan Kuɗi (PayFacs) kamar Stripe, PayPal, da Square suna ba da damar sabbin 'yan kasuwa su fara karɓar katunan kuɗi a cikin mintuna 10 ba tare da rubutattun banki na al'ada ba - a maimakon haka, samfuran haɗarin su ta atomatik suna aiwatar da * rubuta bayanan bayan ciniki ** lokacin da girman girman sarrafa ku, matsakaicin girman tikitinku ya yi tsalle, kun ƙaddamar da pre-umarni ko ƙaddamar da rajistar kati na shekara-shekara, ko ƙaddamar da bayanan rajista na shekara-shekara. Saboda mai sarrafa biyan kuɗi yana da alhakin kuɗi ga Visa da Mastercard idan kamfanin ku ya ɓace kuma abokan ciniki sun yi cajin bayanan har zuwa kwanaki 120 zuwa 180 daga baya, amsar su ta atomatik ita ce ta daskare kashi 100 na ma'aunin kuɗin ku na kwanaki 180. Idan daskarewar ku na barazana ga albashin ma'aikata ko rashin warwarewar mai siyarwa, bita daskare asusun dillanci da zamba, rikicin kudi na biyan albashi da rashin bin biyan albashi, kuma rashin biyan dillalai da tsabar kuɗi sun daskare, da kuma nemo jami'an tsaro na hukuma ko lambobin rahoton zamba a cikin mu lambobin gaggawa directory.

Kada ku aika da barazanar fushi ga tattaunawar tallafi na mai sarrafawa, kuma ** kar ku taɓa gaya wa abokan cinikin takaici cewa "kawai shigar da caji tare da bankin katin kiredit ɗin ku don dawo da kuɗin ku."** Idan Visa ko Mastercard ɗin takaddama na wata-wata ya haye ** 0.65% zuwa 0.90% (da 100+ jayayya)** - ko kuma idan kun ba da izinin cajin dawo da bayanan da ke ƙasa da mai sarrafa kuɗin da ke ƙasa. Dokokin hanyar sadarwar kati don sanya ID na EIN/Tax na kamfanin ku, lambobin Tsaron Jama'a na jami'an kamfani / National Insurance lambobi, adiresoshin gida, da sunan yanki a kan jerin Mastercard MATCH (Jijjiga Memba don Sarrafa Babban Haɗarin Yan kasuwa), wanda a da aka sani da TMF (Fayil ɗin ciniki mai ƙarewa). Saukowa akan jerin MATCH shine jerin baƙaƙe na banki na duniya na shekaru 5 ** wanda ke hana ku buɗe kowane madaidaicin asusun kasuwanci a ko'ina cikin duniya.

Yi wannan yanzu¶

1. ** DAINA karɓar sabbin umarni a cikin daskararrun asusun mai sarrafa biyan kuɗi nan da nan.** Idan Stripe, PayPal, ko Square sun dakatar da biyan kuɗin ku ko sanya ajiyar kuɗi 100% yayin dubawa ko ƙare asusun ku, kowace sabuwar dala da abokin ciniki ya biya ta wannan ƙofar rajistan shiga yana shiga cikin kulle na kwanaki 180 a kulle - yana barin ku da tsabar kuɗi ko sisi don biyan kuɗin sabbin kayan. Canja shafin wurin biya a cikin mintuna 30 zuwa layin dogo na biyan kuɗi (ACH/Wire, MID da aka rubuta kai tsaye, Amazon Pay, ko hanyoyin daftari).
2. ** Bincika Ratio na Rigima na Visa da Mastercard ɗinku a yanzu - kuma a hankali mayar da kuɗin duk wani abokin ciniki da ba a aika ba ko masu gunaguni KAFIN su shigar da bayanan caji.** Da zarar abokin ciniki ya yi cajin katin kiredit na yau da kullun, yana ƙididdige ƙimar ku na wata-wata ** Rigima-zuwa-Ma'amala** ko da kun maido wa abokin ciniki kuɗi ko lashe wakilcin daga baya. Koyaya, idan kun danna "Maida" a cikin dashboard ɗin ku na Stripe/PayPal/Square ** kafin** an shigar da cajin (ko kunna mai sarrafa kansa ** Verifi CDRN / RDR ko Ethoca Alert pre-husuwa maidawa **), mai sarrafa yana amfani da ma'aunin ajiyar ku daskararre don biyan abokin ciniki baya nan da nan tare da takaddamar cajin katin sifili.
3. Idan "Katin Gwajin Bot Attack" (daruruwan $1.00 ko kin izini), kunna 3D Secure 2.0 (3DS2), CAPTCHA, da tsauraran dokokin Radar/CVV/AVS a cikin mintuna 5. Rubutun na'ura mai sarrafa kansa yana gwada satan katunan kuɗi na fam ɗin rajista da dubunnan adadin takardar izini. 10.4 / 4837). Kunna tilas * 3D Amintaccen (three_d_secure: required ko ƙa'idodi masu haɗari), suna buƙatar duka ** CVV da lambar AVS lambar waya, kuma sanya Cloudflare Turnstile/WAF-iyakance akan ku. /checkout API ɗin ƙarshen nan take.
4. *Kada ka gaya wa abokan ciniki "Stripe/PayPal ya daskarar da kuɗin mu, don haka ku kira bankin ku ku yi cajin kuɗi." Wannan imel ɗin guda ɗaya yana haifar da sauye-sauye na 200+ a cikin sa'o'i 48, yana tura rabon rigimar ku ya wuce 1.5% zuwa 5.0%, yana ɗaukar $15 zuwa $25 tarar hanyar sadarwar muhawara, kuma yana ba da garantin sanya wuri nan da nan akan 5-shekara Mastercard MATCH / TMF blacklist a ƙarƙashin **Dalilin Dalili 04 (Excessive)
5. ** Haɗa kuma ƙaddamar da "Kunshin Hujja na Ƙarƙashin Ƙirar Layi" a cikin sa'o'i 24 don yin shawarwarin 10% -20% Rolling Reserve (ko Sakin Farko) maimakon 100% Riƙe Kwanaki 180.* Ta hanyar loda lambobin bin diddigin dillalan da ke tabbatar da 100% na umarni da aka biya an riga an isar da su, tare da watanni 3 na bayanan banki na kamfanoni suna nuna kyakkyawan tanadin tsabar kuɗi, kuna kawar da lissafin haɗarin wutsiya na marubuci kuma galibi ana iya samun 70% zuwa 90% na ma'aunin daskararre a cikin kwanaki 5 zuwa 10 na kasuwanci.
6. Buɗe Asusun Kasuwanci na Gaskiya (Sai ​​Kai tsaye Samun MID tare da Rubutun Farko) a layi daya a yau. Kada ku taɓa dogaro da wani mai tarawa kawai (canzawa daga Stripe zuwa Square ko PayPal ba tare da rubutun gaba ba zai fara haifar da daidaitaccen saurin saurin sarrafa kansa bayan kwanaki 14). Aiwatar da ISO/Acquirer da aka rubuto kai tsaye inda ɗan ɗan adam mai rubutowa ya amince da tsarin kasuwancin ku, girman tikiti, da ƙarar ƙarar wata-wata kafin ku rayu.

Bishiyar yanke shawara: daskare mai sarrafa biyan kuɗi, ajiyar juyi, da ka'idar tsaro ta MATCH¶

flowchart TD
    A["Stripe, PayPal, Square, ko Shopify Account Biyan Daskararre, An Dakatar da Biyan Kuɗi, ko An sanya ajiyar Kwanaki 180"] --> B{"Menene Sanarwar Haɗari/Rubutun Ƙarƙashin Ƙarƙashin Ƙarya?"}
    B -->|"1. 'An dakatad da biyan kuɗi: Binciken Haɗarin yau da kullun / Ƙarar Ƙarfin Ƙarfafa / Ana Bukatar Tabbatarwa'"| C["KYAUTA MAI CUTAR RUBUTU: Kada ku firgita -> Gabatar da fakitin Tabbacin Rubutun cikin sa'o'i 24 (Lambobin bin diddigin umarni 50 na ƙarshe, Invoices na Supplier, Bayanan Bankin 3-Mo, Cika SLA)"]
    C --> D["Ba da shawarar tsari na 10% zuwa 15% 60-day Rolling Reserve ko Ƙarfin ƙara don musanya don dawo da biyan kuɗi na yau da kullun."]
    B -->|"2. 'Haɓaka Zamba / Gwajin Katin / Gargadin Ƙimar jayayya (> 0.65%)'"| E["KASHIN YAUDARA NAN TAKE: Kunna 3D Amintaccen 2.0 + Cloudflare WAF akan wurin biya"]
    E --> F["Yi rajista a Verifi RDR / Ethoca Faɗakarwar don dawo da rigima ta atomatik kafin a ƙidaya su azaman cajin Visa/MC"]
    B -->|"3. 'An Kare Asusun: Samfuran Kasuwancin Haramtacce / Babban Haɗari (Sashe na X) - 100% Ana Gudanar da Kwanaki 90-180'"| G["Canja wurin duba gidan yanar gizon kai tsaye zuwa ajiyar dogo na biyan kuɗi a cikin mintuna 30 don haka babu wani sabon kudaden shiga da ya shiga daskararre asusu"]
    G --> H{"Shin an riga an aika 100% na oda ta hanyar daskararrun asusu an riga an aika/ bayarwa?"}
    H -->|"A'a: Pre-Orders ko Biyan Kuɗi na gaba akwai"| I["Bayar da Cikakkun Kuɗi kai tsaye zuwa umarni da ba a aika kai tsaye daga Ma'aunin Daskararre a cikin dashboard -> Yana rage bayyanar mai sarrafawa zuwa $0 a gaba."]
    H -->|"Ee: Duk umarni da aka kawo tare da bin diddigin dillali"| J["Ƙaddamar da 'Abin da ke gaba na gaba / Hujjar Isarwa' Dossier zuwa Haɗarin Gudanarwa & Haɓaka Shari'a -> Neman sakin kudaden da ba ajiyar kuɗi ba bayan kwanaki 30-60"]
    I --> J
    J --> K{"Shin mai sarrafa ya yi barazanar ko shigar da lissafin Mastercard MATCH / TMF?"}
    K -->|"Babu MATCH jeri"| L["Riƙe asusun ajiyar kuɗi tabbatacce don haka ba zare na ACH ya gaza -> Tattara cikakken ma'auni a ranar 90/120/180"]
    K -->|"Ee: Sanya akan MATCH"| M["Gano ainihin lambar Dalili na MATCH (01-14) -> Mai saye ne kawai zai iya cire ku -> Gyara Kuskure ko Ka'idar Cire Bashi"]

Me yasa Stripe, PayPal, da Square suka daskare 100% na kuɗin ku na kwanaki 180 (The PayFac Risk Math)¶

Wadanda suka kafa sau da yawa suna ɗauka cewa lokacin da Stripe ko PayPal ke riƙe dala 150,000 na kudaden shiga na tsawan kwanaki 180, mai sarrafa yana "satar" kuɗinsu ko samun riba akansa ba bisa ka'ida ba. A zahiri, taga na kwanaki 180 da injin daskarewa ana tsara su ta ** Dokokin Kasuwancin Visa, Dokokin Gudanar da Ma'amala na Mastercard, da Samfurin Taro na PayFac ***:

1. Aggregator (PayFac) vs. Direct Merchant Account (MID)¶

Lokacin da kuka yi rajista don Stripe, Square, PayPal, ko Shopify Biyan kuɗi, ba a ba ku ** ba** bankin ku mai zaman kansa lambar Shaida ta Kasuwanci (MID) bayan rajistan rajista na sati 2. Madadin haka, ana shigar da ku nan take a matsayin ** ɗan kasuwa a ƙarƙashin babban asusun banki na PayFac ***. - Saboda babu wani ɗan adam mawallafin da ya bincika sarkar samar da kayayyaki, takardar ma'auni, ko ƙirar kasuwanci lokacin da kuka buɗe asusun, ** haɗarin haɗari mai sarrafa kansa ** yana lura da asusun ku kullun. - Lokacin da asusun ku ya ci karo da algorithmic tripwire - kamar ** girma na wata-wata yana tsalle 300% na dare daga TikTok / PR karuwa **, ** matsakaicin ƙimar oda (AOV) ninki biyu **, ** siyar da tikiti / oda / tsare-tsaren SaaS na shekara tare da isarwa> kwanaki 14 a nan gaba **, ko ** ketare-daidaitacce-ƙimar kati 3% cakuɗewar katin biyan kuɗi 0% asusun ajiyar kuɗi na ɗan adam underwriting.

2. Me yasa "Kwana 180" Shine Lambar Sihiri¶

Karkashin ** Visa da Mastercard cajin lokaci-iyakantaccen ka'idoji ** (da Dokokin Amurka Z / Dokokin Biyan Kuɗi na Gaskiya), mai riƙe da kati gabaɗaya yana da kwanaki 120 daga ranar ciniki - ko kwanaki 120 daga ranar bayarwa da sabis, har zuwa iyakar kwanaki 540 (da kwanaki 180 a ƙarƙashin Kariyar Siyayya ta PayPal)** - don shigar da rigima tare da su issu. - Idan dan kasuwa ya karbi dala 200,000 a cikin biyan kuɗi, ya cire kuɗin zuwa asusun bankin su, sa'an nan kuma ya kasa isar da samfurin (ko ya fita kasuwanci), masu katin suna shigar da cajin bayan kwanaki 60 zuwa 120. - Idan asusun banki na ɗan kasuwa babu kowa, ** Stripe, PayPal, ko Bankin da ke samun Square yana 100% akan ƙugiya don biyan $200,000 daga cikin aljihun nasu ***. - Don haka, Sashe na 5 na Yarjejeniyar Sabis na Sabis, Yarjejeniyar Mai Amfani da PayPal, da Sharuɗɗan Biyan Kuɗi suna ba mai sarrafa haƙƙin kwangilar riƙe har zuwa **100% na kuɗin ku na tsawon kwanaki 90 zuwa 180 ** biyo bayan ƙarewar asusu ko haɓaka haɗari har sai taga cajin doka na doka ya ƙare.

Matsakaicin Rigimar Visa & Mastercard da Lambobin Dalili na MATCH (San Ƙimar Lambobi)¶

Kada ku taɓa tsammani lokacin da asusunku ke gabatowa yankin haɗari. Dukansu Visa (** VDMP / VFMP , canzawa zuwa haɗin kai Shirin Kula da Biza na Visa [VAMP]) da Mastercard (** Tsare-tsare Tsare-tsare Mai Girma [ECP] / Dillalan Zamba [EFM]**) tilasta rufin lambobi:

Yarjejeniya ta Mataki-mataki don Cire Biyan Kuɗi ko Tattaunawa na Ƙirar Bidiyo 10% (Sa'o'i 48 na Farko)¶

Lokacin da mai sarrafa ku ya dakatar da biyan kuɗi ko ya ƙare asusunku tare da riƙon kwanaki 180, manyan wakilai na goyan bayan abokin ciniki ba za su iya taimaka muku ba - kawai suna da maɓallan don aika martanin gwangwani. Dole ne ku isa ** Haɗarin Bashi / Mai Binciken Ƙarƙashin Rubutun Kasuwanci ** kuma ku yi magana da ainihin yaren kuɗin su: ** Rage Bayyanawa ***.

Mataki na 1: Yi amfani da Ma'aunin Daskararre don Maido da Duk wani Umarni da ba a aika ba ko Mai Hatsari Nan da nan¶

Wannan ita ce mafi ƙarfi mai ƙarfi na kuɗi da kuke da ita yayin daskare na kwanaki 180: - Ko da lokacin da Stripe, PayPal, ko Square suka daskare ** biyan kuɗin banki mai fita ***, maɓallin ** "Bayar da Kuɗi" a cikin dashboard ɗin kasuwancin ku ya ci gaba da aiki 100% *** kuma yana zana kai tsaye daga ma'aunin ajiyar ku daskararre. - Idan kuna riƙe da $80,000 a cikin ma'aunin Stripe ɗin daskararre, kuma $ 30,000 na wannan yana wakiltar ** pre-umarni da ba za ku iya samarwa ba ko jigilar kaya, ** mayar da waɗannan $30,000 na umarni da ba a aika kai tsaye ta hanyar dashboard Stripe/PayPal a yau ***. - Me yasa? Na farko, abokan cinikin ku za su dawo da kuɗinsu a cikin kwanaki 3 maimakon ƙin alamar ku da shigar da bayanan caji. Na biyu, kuna kare rabon takaddamar Visa/Mastercard ɗinku daga ketare 0.90%. Na uku, kuna rage abin da ba a cika abin da na'urar ke bayarwa ba zuwa ** sifili **, yana ba ku babban fa'ida don buƙatar sakin ragowar $50,000 na man isar da umarni.

Mataki na 2: Haɗa "Taskar Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙimar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙirar Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙirar PDF)¶

Marubuta masu haɗari suna kashe ƙasa da mintuna 4 suna nazarin tikitin roko. Haɗa PDF guda ɗaya, mai tsabta, mai alamar shafi mai ɗauke da waɗannan takardu 6 don tabbatar da cewa ku mai ƙarfi ne, halaltacciyar kasuwanci tare da haɗarin isar da sifili na gaba:

1. ** Cika & Tabbacin Bayarwa (CSV + Samfurin PDF):** Fitar da maƙunsar ma'auni na ma'amaloli 100 na ƙarshe da ke nunawa. Transaction ID, Order Date, Carrier Name (UPS/FedEx/USPS/DHL), Tracking Number, kuma Confirmed Delivery Date (ko sanya hannu akan Tabbacin Isarwa/SaaS mai aiki da rajistan ayyukan shiga don sabis na B2B na dijital). Wannan ya tabbatar wa mawallafin cewa ** kayan sun riga sun kasance a hannun abokan ciniki ***, yana rage haɗarin sake dawowa da kashi 85.
2. ** Hotunan Kayayyakin Kayan Aiki & Warehouse:** Haɗa daftarin kasuwanci da aka biya daga masana'anta ko mai siyar da ku wanda ke tabbatar da cewa kun mallaki kayan da kuka sayar (ba jigilar kaya da babu su daga ƙasashen waje tare da jinkirin makonni 6).
3. ** Bayanan Bayani na Bankin Kasuwanci na Watanni 3:** Haskaka ma'aunin kuɗin ku na ƙarewa don tabbatar da cewa kamfanin ku na ruwa ne kuma yana iya rufe duk wani ɓataccen kuɗin abokin ciniki ba tare da gazawa ba.
4. Bayanin Tushen-Ƙaƙwalwar Ƙaƙƙarfan Ƙaƙƙarfan Ƙaƙƙarfan Ƙarfafawa ko Ƙarfafa Rikici: Idan bidiyon hoto ko bidiyo mai zagaya yanar gizo da sauri, siyarwar Jumma'a Black, ko kwangilar kasuwancin B2B na shekara-shekara ya sa ƙarar ku ta yau da kullun ta yi tsalle sama da 400%, haɗa sikirin sikirin labarin labarai, ƙididdigar talla, ko sanya hannu kan kwangilar B2B.
5. ** Hujjar Ha'inci & Magance Rigima:** Nuna hotunan kariyar kwamfuta da ke tabbatar da cewa kun kunna 3D Secure 2.0, ƙara ** bayyananniyar bayanin lissafin kuɗi** akan bayanan katin abokin ciniki (don haka abokan ciniki su gane kuɗin ku), ya rage lokacin dawo da kuɗin ku zuwa sa'o'i 24, kuma kuyi rajista a ** Verifi RDR / Ethoca Alerts ***.
6. Batun "Rolling Reserve Compromise Proposal": Kada kawai ku nemi "Saki 100% na kuɗinmu a yau." Madadin haka, ba da shawarar tsararren tsakiya: "Saboda 100% na umarni ta hanyar [Kwanan wata] an isar da su tare da tabbatar da bin diddigin dillali (duba nunin A) kuma ƙimar rigimar mu ta tarihi [0.22% ce kawai], muna riƙe 100% na kudaden shiga na tsawon kwanaki 180 ya wuce ainihin bayyanar cajin. Ajiye* (ko riƙe ƙayyadaddun ajiya na \([X,000] Static Reserve** daidai yake da 3x ƙarar rigimar mu ta wata-wata) kuma a saki sauran **\)[XX, XXX] na kuɗin oda.

Mataki na 3: Haɓaka Taɗi na Baya-1 (CFPB, Haɗarin Gudanarwa, BBB, da Tashoshin Ombudsman EU/UK)¶

Idan an riga an dakatar da asusun ku na dindindin (ba kawai an dakatar da shi don dubawa ba), sanarwar mai sarrafa kayan aikin za ta yi iƙirarin cewa ana riƙe kuɗi na kwanaki 90 zuwa 180 tare da "babu ƙarin ƙara." Don samun ɗan adam Babban Jami'in Haɗari ko Lauyan Shari'a don duba Taskar Tabbacin Isar da ku a Ranar 30 ko Rana 60 maimakon jira kwanaki 180:

1. ** Aika Sanarwa ta Haɓaka ta Tabbataccen Wasika & Imel zuwa Adireshin Shari'a / Sanarwa na Mai sarrafawa (Haɗe da Babban Bankin Samun Karɓa):**
2. Dubi kasan yarjejeniyar kasuwancin ku na Stripe, PayPal, ko Square don gano ** Babban Bankin Samun Banki (Bankin Memba)** (misali, Bankin Wells Fargo, Bankin Cross River, Bankin Goldman Sachs Amurka, Bankin Na uku, ko Hanya).
3. Send a polite, factual, attorney-drafted (or executive-signed) Request for Proportional Reserve Reduction Under UCC / Contract Good-Faith Standards, attaching your 100% Proof-of-Delivery table and noting that retaining 100% of funds when historical chargeback exposure is < 0.3% is an unenforceable penalty rather than a reasonable risk reserve.
4. Hukunce-hukuncen Hukunce-hukuncen Hulda da Jama'a (Ta hanyar Hukunci):
5. Amurka: Yi cikakken koke na gaskiya tare da ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB a consumerfinance.gov/complaint), da Federal Trade Commission (FTC), Sashen Kariyar Kuɗi da Ƙirƙirar Kuɗi na Jiha (DFPI a California / NYDFS a New York) - inda PayPal, Block/Square Lasisi da Rikici ke riƙe da Transgula, St. San Francisco/San Jose Better Business Bureau (BBB) (waɗanda ke kan hanya kai tsaye zuwa Babban Abokan Ciniki a duka Stripe da PayPal).
6. ** United Kingdom: *** Saboda Stripe Payments UK Ltd, PayPal UK Ltd, da Squareup Europe Ltd ana tsara su ta Hukumar Kula da Kuɗi (FCA) azaman Cibiyoyin Kuɗi na Wutar Lantarki / Cibiyoyin Biyan Kuɗi, ƙaddamar da ƙararrakin Amsa na Ƙarshe ** ga mai sarrafawa kuma, idan ba a warware shi ba, haɓaka zuwa sabis na ** UK Financial Ombuds* da ƙananan sabis kasuwanci tare da canji a ƙarƙashin £ 6.5 miliyan).
7. ** Tarayyar Turai:** PayPal (Turai) S.à r.l. da Cie, S.C.A. banki ne mai lasisi na Luxembourg wanda CSSF (Commission de Surveillance du Secteur Financier) ke tsara shi, yayin da Stripe Technology Europe Ltd da Block/Square Turai ke tsara ta Babban Bankin Ireland (CBI)**. Shigar da ƙararrakin tsari na yau da kullun wanda ke ambaton ** Jagoran Aukan Biyan Kuɗi na EU (PSD2)* da ** Dokokin P2B ** tilasta bin bin umarnin jami'in nan take.
8. ** Ostiraliya:** Stripe, PayPal Ostiraliya, da Square AU membobi ne na Hukumar Korafe-korafen Kuɗi ta Australiya (AFCA); ƙananan 'yan kasuwa za su iya shigar da gardamar ɗaure kyauta tare da AFCA idan mai bada sabis na biyan kuɗi ya riƙe kuɗi daidai gwargwado ba tare da shaidar asara ba.

Yadda ake Audit, Gasa, da Cire Kanku Daga Jerin Blacklist MATCH / TMF¶

Idan kun nemi sabon asusun ciniki bayan Stripe, PayPal, Square, ko Shopify ƙarewa kuma sabon banki ba zato ba tsammani ya ƙi aikace-aikacenku yana ambaton "An ƙi saboda manufar haɗarin MATCH / TMF," dakatar da neman ƙarin masu sarrafawa har sai kun tantance lissafin MATCH ɗin ku.

Dokokin Dokokin Dokokin Zinare 3 na Mastercard MATCH Database¶

Karkashin hukuma ** Dokokin Tsaro da Tsare-tsare (Dokokin MATCH): 1. Bankin Dake Samowa Kawai Zai Iya Cire Dan kasuwa (Bare Daya): Shi kansa Mastercard ko wani "MATCH cire consultant" ba zai iya share sunanka daga ma'adanar bayanai ba. Kawai takamaiman Banki / Mai sarrafawa wanda ya sanya ku akan MATCH zai iya shiga cikin tashar kuma cire lissafin - KO Mastercard na iya cire shi kai tsaye * kawai * idan kun tabbatar ta hanyar odar kotu ko tantancewar doka cewa jeri kuskure ne na gaskiya. 2. Kada ku taɓa Biyan Kuɗaɗen Gaba ga "Ayyukan Cire TMF Masu Ba da Lamuni": Masu zamba suna ganimar 'yan kasuwa masu firgita ta hanyar caji $3,000 zuwa $10,000 suna da'awar suna da "lambobin ciki a Mastercard" don goge fayil ɗin MATCH ɗin ku. Wato yaudara ce dari bisa dari. 3. Bincika Madaidaicin Lambobin MATCH MATCH ɗin ku na farko: Tambayi abokin hulɗa na ISO ko wakilin asusun kasuwanci wanda kawai ya ƙi sabon aikace-aikacen ku ya gaya muku ** Wanne Bankin Samun Kuɗi ya sanya ku akan MATCH, ainihin Ranar Ƙara, da Lambobin Dalilai mai lamba 2 (01 zuwa 14): - ** Lambobin dalili 03 (Laundering / Factoring) ko 04 (Yawan Caji mai yawa):** Lambobin gama gari na gama gari daga ƙarewar PayFac. - Dalili na 12 (Ma'aunin Tsaro na Bayanan Masana'antu na Katin Biyan Kuɗi [PCI DSS] Rashin Bi). - Dalili na 10 (Cikin Ka'idoji / Mu'amalar Ba bisa ka'ida ba).

Yadda Ake Cire Halaccin Cire Daga MATCH Kafin Ƙarshen Shekara 5¶

Dokokin Mastercard suna ba Bankin Samun damar share rikodin MATCH da wuri ƙarƙashin takamaiman sharuɗɗa guda biyu: 1. ** Kuskuren Gudanarwa / Kuskuren Kofa:** Kuna tabbatar da bayanan ma'amala mai ƙarfi cewa ƙididdigewa ko rabo na wata-wata ** ba a taɓa cika madaidaicin madaidaicin Mastercard ECP ba** (misali, rubutun sarrafa kansa ya ƙara ku zuwa MATCH a ƙarƙashin Dalili na 04 lokacin da kawai kuna da caje 14 maimakon 100-kuskure, ko kai hari). 2. ** Gamsar da Bashi da Ba a Biya ba: *** Idan mai siye ya sanya ku akan MATCH saboda ma'aunin caji mara kyau ya bounced akan asusun bankin ku yayin ƙarewa, ** biyan ma'auni mara kyau cikakke ta hanyar canja wurin waya ** a musanya ga * Rubutun Settlement Letter yarda don sabunta ko janye lissafin MATCH ** sau da yawa yana lallashin ma'aikacin Rikodin Rikodin.

Yadda Ake Gudanar da Katunan Kiredit Yayin kan MATCH (Samun Haɗari kai tsaye)¶

Idan mai sanyawa ya ƙi cire lissafin MATCH ɗin ku, kasuwancin ku ** bai mutu ba ***: - Aiwatar musamman tare da ** Babban Rijista Babban Asusun Kasuwanci na ISO / Mai Samun Kai tsaye ** (na musamman a cikin wurin TMF/MATCH, dillalan babban haɗari na cikin gida, abinci mai gina jiki, ko asusun SaaS). - Kasance ** 100 bisa 100 a bayyane a rana ta 1 ** tare da babban mai rubutawa mai haɗari: mika musu bayanan aikinku na baya, bayyana ainihin kwanan wata da dalilin lissafin MATCH, kuma ku karɓi ƙimar sarrafawa kaɗan kaɗan (yawanci 3.5% zuwa 4.9%) tare da tabbataccen ajiyar ajiya na kwanaki 10% 180 ** har sai kun gina watanni 6 na tsaftataccen tarihin sarrafawa.

Yadda ake Gina Tsarin Biyan Kuɗi na Multi-MID (Don haka Mai sarrafawa ɗaya ba zai iya sake rufe ku ba)¶

Dogaro da Stripe guda ɗaya, PayPal, ko Square asusu na kashi 100 na kuɗin kuɗin kamfanin ku babban bala'i ne na gazawa guda ɗaya. Kafin gaggawar gaggawar ku ta ƙare, sake tsara tari ta amfani da MID-Biyu + Matsayin Rigakafin Rigima Na atomatik:

1. ** Kiyaye Aƙalla Bankuna Masu Zaman Kansu Biyu (MIDs masu Ma'auni):**
2. Kada ku taɓa gudanar da asusunku na farko da na ajiyar ku akan nau'ikan nau'ikan nau'ikan guda biyu waɗanda ke raba mahaɗin baya iri ɗaya (misali, gudanar da Stripe da Shopify Biyan kuɗi tare yana ba ku ƙarin ragi saboda Shopify Biyan kuɗi * yana * ƙarfi ta Stripe kuma yana raba injin haɗari iri ɗaya).
3. Haɗa PayFac ɗinku na farko (misali, Stripe ko Adyen) tare da ** Cikakken Rubutun Asusun Kasuwanci kai tsaye (MID)** a banki mai zaman kansa (misali, ta hanyar Authorize.net ko ƙofar NMI da aka haɗa zuwa Bayanan Farko/Fiserv, TSYS/Biyan kuɗi na Duniya, ko biyan kuɗi na Duniya). Hanyar 80% na zirga-zirgar yau da kullun zuwa MID #1 da 20% zuwa MID #2 don haka asusun ajiyar ya kasance mai dumi, Mai daɗi, kuma yana shirye don ɗaukar 100% na zirga-zirga a cikin daƙiƙa 60 ta hanyar juyawa guda ɗaya.
4. ** Juyawar Rigima ta atomatik (Verifi RDR & Faɗakarwar Ethoca):**
5. Yi rajistar masu siyar da ku a cikin ** Tabbacin Rigimar Rigima Mai Sauri (RDR) / oda Insight** da Mastercard Ethoca Alerts.
6. Lokacin da abokin ciniki mara jin daɗi ya kira bankin katin kiredit ɗin su (Chase, Citi, Capital One, Barclays) don yin jayayya game da caji, Verifi RDR ya katse takaddamar a matakin banki kuma ** ta atomatik ba da kuɗin da aka riga aka yi jayayya ** kafin ta taɓa layin dogo na Visa/Mastercard azaman caji na yau da kullun - kiyaye rabon rigimar ku kusa da 0.05%.
7. Kada Ka Ci gaba da Yin Aiki Acikin PayPal, Square, ko Ma'auni:
8. Saita jadawalin biyan kuɗin ku zuwa ** Tsabtace Kai tsaye ta yau da kullun *** cikin asusun ajiyar kasuwanci na FDIC na waje, da kuma share tsabar kuɗi na baitul-mali daga waccan asusun da aka haɗa da shi zuwa wani keɓanta Ba tare da haɗin gwiwa ba Account Sweep Account don haka abin mamaki mara kyau-ajiye ACH cire.R01) ba zai taɓa iya kwashe kuɗin kuɗin biyan ma'aikatan ku na Juma'a ba.

Lambobin gaggawa na yanki da ka'idojin hukumar¶

Idan daskare biyan kuɗin ku ya ƙunshi zamba na waje, sasantawa ta imel na kasuwanci (BEC), ko ƙararrakin tsari akan mai aikawa da kuɗi mai lasisi ko cibiyar biyan kuɗi, tuntuɓi waɗannan hukumomin hukuma:

• Amurka:
• ** Ofishin Kariyar Kuɗi (CFPB): *** consumerfinance.gov/complaint ko kuma 855-411-2372.
• ** California DFPI (Mai daidaitawa don Stripe, PayPal, da Toshe/Square): *** ** 866-275-2677** (dfpi.ca.gov).
• U.S. Ofishin Kula da Kananan Kasuwanci (SBA) na Ofishin Ombudsman na ƙasa: 1-888-REG-FAIR (1-888-734-3247).
• FBI IC3 (Idan dan gwanin kwamfuta ya sace lambar bankin ku na Stripe/PayPal na biya): ic3.gov.
• United Kingdom:
• ** Sabis na Ombudsman na Kudi (FOS):** 0800 023 4567 (financial-ombudsman.org.uk).
• Layin Taimako na Hukumar Kula da Kuɗi (FCA): 0800 111 6768.
• Tarayyar Turai:
• ** Babban Bankin Ireland (Mai Gudanar da Yankin Turai & Yankin Turai):** +353 (0) 1 224 5800.
• CSSF Luxembourg (Mai sarrafa Banki don PayPal Turai): (+352) 26 25 1-1 (cssf.lu).
• Kanada: Hukumar Ciniki ta Kuɗi ta Kanada (FCAC) a 1-866-461-3222.
• ** Ostiraliya da New Zealand: *** Hukumar Korafe-korafen Kuɗi na Ostiraliya (AFCA) akan 1800 931 678 (afca.org.au) ko Hukumar Kasuwancin Kuɗi (FMA New Zealand) akan 0800 434 566. Duba lambobin gaggawa.

Tambayoyin da ake yawan yi¶

Za a iya Stripe ko PayPal bisa doka ta kiyaye kuɗin mu har abada bayan lokacin ajiyar kwanaki 180 ya ƙare?¶

A'a - sai dai idan an kama kuɗin ku ta hanyar odar kotu, takunkumin gwamnati (OFAC), ko tabbatar da laifin zamba/katin sata inda dole ne a mayar da kuɗin ga waɗanda aka damfare da masu katin, mai sarrafa biyan kuɗi ba zai iya ci gaba da samun halaltaccen kudaden shiga na ɗan kasuwa na dindindin ba bayan taga cajin da ya ƙare. Da zarar taga dawowar cajin kwanaki 90 zuwa 180 na doka kuma an cire duk takaddamar abokin ciniki da kudade masu inganci, dole ne mai sarrafa ya saki sauran ma'auni na ajiyar kuɗi zuwa asusun banki mai alaƙa.

Me yasa zan mayar wa abokan ciniki kudade daga daskararren Stripe ko dashboard na PayPal maimakon bar su su sake dawo da caji?¶

Ko da lokacin da kuɗin bankin ku mai fita ya daskare, maɓallin "Refund" a cikin dashboard ɗin ku na Stripe, PayPal, ko Square har yanzu yana aiki kuma yana biyan abokin ciniki kai tsaye daga ma'aunin daskararre ku. Bayar da kuɗaɗen kai tsaye yana biyan ku $0 a cikin hukunce-hukunce hukunce-hukunce kuma baya ƙidaya akan rabon dawo da Visa/Mastercard ɗin ku, yayin da barin abokan ciniki 100 su shigar da cajin banki na banki ya haifar da $1,500 zuwa $2,500 a cikin kuɗaɗen rigima da ba za a iya dawowa ba, yana tura rabon rigimar ku ya wuce 1.0%, kuma yana haifar da 5-year Mastercard MAT.

Ta yaya zan san idan an sanya kasuwancina ko suna na a cikin jerin Mastercard MATCH / TMF?¶

Mastercard baya samar da gidan yanar gizon neman mabukaci na jama'a don bayanan MATCH, kuma masu sarrafawa ba safai suna bayyanawa a cikin imel ɗin su na ƙarshe cewa sun ƙara ku zuwa MATCH. Hanya mafi sauri don bincika ita ce a yi aiki tare da Asusun Kasuwanci mai zaman kansa ISO (Ƙungiyar Tallace-tallacen Kasuwanci mai zaman kanta) kuma ka tambayi wakilin da aka rubuta kai tsaye don gudanar da binciken MATCH kafin aikace-aikacen akan EIN ɗin ku, sunan kasuwanci na shari'a, da SSN na sirri - za su gani a cikin daƙiƙa 60 ko rikodin ya wanzu, wanda bankin ya sanya shi, da Lambobin Dalilai mai lamba 2.

Shin ƙirƙirar sabon LLC tare da sabon EIN da gidan yanar gizon yana ba ni damar keɓance jeri na Mastercard MATCH?¶

A'a - saboda Mastercard MATCH database yana nuna lambar Tsaron Jama'a (ko ID na kasa), ranar haihuwa, adireshin gida, da sunan sirri na kowane babban mai shi (duk wanda ke riƙe da 10% zuwa 25% + ãdalci ko sanya hannu a matsayin jami'in), da ake nema a ƙarƙashin sabon LLC da sabon EIN tare da sunan ku kamar yadda mai shi zai haifar da tabbacin MATCH nan take a lokacin KYC. Sanya dan uwa ko wanda aka zaba akan aikace-aikacen a matsayin mai bambaro ("gabatarwa" ko "factoring") cin zarafi ne na bankin tarayya kuma yana haifar da MATCH Dalili Code 03 (Laundering).

Ta yaya zan dakatar da harin bot ɗin gwajin kati a kan Stripe ko Shopify wurin biya na kafin a rufe asusunmu?¶

Bots na gwajin kati suna gudanar da dubunnan lambobin katin kiredit da aka sace a kan fom ɗin biyan kuɗi na jama'a, suna ƙirƙirar tutocin zamba na Visa/Mastercard a cikin sa'o'i. Nan da nan kunna Cloudflare WAF / Turnstile CAPTCHA akan hanyoyin biyan kuɗin ku da hanyoyin API na biyan kuɗi, ba da damar tabbatar da amincin 3D Secure 2.0 (3DS2) a cikin Stripe Radar ko ƙofar ku, toshe katunan kama-da-wane da aka riga aka biya/marasa suna idan an zartar, kuma yana buƙatar tabbataccen CVV + Lambar Wasiƙa ta $5, ga kowane ƙaramar gwajin AVS $ 5. tuhume-tuhume kafin masu katin gaskiya su bayar da rahoton cewa an sace su.

Jagora masu alaƙa¶

• Daskare asusu na 'yan kasuwa da kare zamba
• Rikicin kuɗaɗen biyan albashi da bin biyan kuɗin da aka rasa
• Rashin biyan dillalai da tsabar kuɗi sun daskare
• Rashin siyar da siyar (POS), rashin intanet, da sarrafa katin kiredit na layi

Tushen da jagorar hukuma¶

• ** Dokokin Tsaro na Jami'a na Mastercard (Na Duniya):** Shirin Sa Ido na Kasuwanci, Shirin Komawa Tsararraki (ECP), da MATCH (Faɗakarwar Memba don Sarrafa Babban Haɗari Mai Haɗari) Tsarin Tsari da Ka'idodin Cire.
• ** Babban Dokokin Visa da Ka'idodin Samfur da Dokokin Sabis: ** * Shirin Kula da Rigima ta Visa (VDMP), Shirin Kula da Zamba ta Visa (VFMP), da Matsakaicin Tsarin Kula da Biza (VAMP) *.
• ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB) & Hukumar Ciniki ta Tarayya (FTC, Amurka):** Ayyukan Tsare-tsaren Biyan Biyan Kuɗi, Dokokin E / Dokokin Z Rigima Tsawon Lokaci, da Ƙarfafa Koke-koken Kuɗi na Ƙananan Kasuwanci.
• Hukumar Kula da Kuɗi ta Burtaniya (FCA) & Sabis na Ombudsman na Kudi (FOS, United Kingdom): Dokokin Sabis na Biyan kuɗi 2017 (PSR), Ƙaƙƙarfan Iyakokin Riƙe Kuɗi na E-Money, da Haƙƙin Gyaran Kamfanoni.