Inani elikhulayo lamahhotela emhlabeni wonke, ikakhulukazi e-UK nase-Ireland manje amukela ukudluliselwa kwemali kwamanye amazwe ngaphezu kwezinkokhelo zekhadi lesikweletu. Amawebhusayithi adumile okubuyekezwa kwamahhotela agcwele izimo zezivakashi ezifuna ukwazi ukuthi amadiphozithi okudluliselwa ngezintambo ayindlela esemthethweni yokwenza. izinkokhelo ngendawo yabo yokuhlala ehhotela. Eqinisweni, ukuthandwa okukhulayo kokudluliswa kwezingcingo ngokubhukwa kwamahhotela kuwukuwina kwamahhotela kanye namakhasimende ngokufanayo.
Ukuze uqonde ukufaneleka kwezinsizakalo zokudlulisa imali ngaphezu kwediphozithi evamile yekhadi lesikweletu, kubalulekile ukucabangela izinkokhiso ezikhokhiswa amahhotela namakhasimende lapho usebenzisa amakhadi esikweletu. Izinkampani ezinkulu zamakhadi esikweletu zifaka iVisa, MasterCard, American Express, Diners Club International, kanye neDiscover Card. Amahhotela, njengabanye abathengisi, anezinketho eziningi ezitholakalayo uma kuziwa ezindleleni zokubhanga.
Amakhadi esikweletu adumile emhlabeni wonke, ngakho amukelwa emhlabeni jikelele. Nokho, izimali zekhadi lesikweletu njalo zibiza i-mint. Embonini yamahhotela, amazinga aphezulu okushintsha ajwayelekile. Ngokwesibonelo, i-American Express ikhokhisa izilinganiso zayo, ngakho-ke akunandaba ukuthi iyiphi iphrosesa yekhadi lesikweletu oyisebenzisayo - amanani owakhokhayo noma nini lapho uswayipha ikhadi le-AMEX ahlala eyizilinganiso ezikhokhiswa yilo mhlinzeki wekhadi lesikweletu. Amabhizinisi amaningi amancane awayamukeli i-American Express ngoba ibiza kakhulu.
Kanjalo, inqwaba yemisebenzi izocutshungulwa, futhi ngayinye yazo ingaphansi kwezindleko nezinye izindleko. Amahhotela kungenzeka ayazilimaza ngezinga elithile ngokukhawulela uhla lwawo lwezindlela zokubhanga emakhadini esikweletu kuphela. Indlela enenzuzo eyengeziwe ingase ihlanganise nezinsizakalo zokudlulisa imali ngezintambo njengoba lezi zingekho ngaphansi kwezimali zekhadi lesikweletu.
Nakuba izinkokhelo zizohluka phakathi kwabacubunguli bamakhadi esikweletu, kukhona nezimali zokushintshisana okufanele zicatshangelwe. Lokhu kuhlanganisa imali ephansi + iphesenti yenani lentengo yokuthenga. Kungase futhi kube nezinkokhelo ezengeziwe njengezinkampani zamasevisi omthengisi ezisebenza njengabaxhumanisi phakathi komhlinzeki wakho wekhadi lesikweletu nomthengisi. Baphinde bathathe ingxenye yenguquko kusukela okwenziwayo. Enkokhisweni evamile engu-£100, inkokhiso ingase ibe ngu-£2.50 – £3.00, kuye ngomhlinzeki wekhadi lesikweletu okukhulunywa ngaye.
Ezinsukwini zakudala, abathengisi abanjengamahhotela babengenayo inketho ngaphandle kokwamukela izinkokhiso ezihlobene nezinkokhelo zekhadi lesikweletu. E-US namuhla ngokwesibonelo, izifundazwe eziningi manje zikhokhisa inkokhiso efika ku-4% enanini lokuthenga elidluliselwa kumakhasimende. Amakhasimende angase angakubongi inkokhiso ephezulu uma uthenga ngamakhadi esikweletu, ikakhulukazi uma eseholidini.
Ithini isixazululo? Ukudluliselwa ngezintambo.
Anjani Amahhotela Asebenzisa Ukudluliswa Kwezintambo Ezivakashini?
Izinsizakalo zokudlulisa imali ezifana ne-WorldFirst, i-TorFX, ne-TransferWise ziya ngokuya zisetshenziswa abahambi e-Ireland nase-United Kingdom. Ukudluliswa kwemali ngezinkampani okungezona zamabhange nakho kuyindlela engabizi kakhulu yokushintsha uhlobo lwemali olulodwa ngolunye ngaphandle kokukhokha amanani okushintshanisa ashibhile nokusabalala okubanzi. Kuye ngenani lemali ofisa ukuyithumela ngezinjongo zokuvakasha zamazwe ngamazwe nezokuvakasha, ngokuqinisekile ungazuza emazingeni ashibhile kanye nokuguqulwa okungcono kwe-FX.
Izinkampani ezifana ne-TransferWise zikuvumela ukuthi wenze ukudluliselwa okuncane okungu-£1 ngohlelo lokusebenza, noma ku-inthanethi. Kungcono kakhulu ukudluliselwa phakathi kuka-£100 no-£5,000. Ochwepheshe baye babonisana neminyango ye-forex yamabhange mayelana nokudluliswa kwemali kwamanye amazwe futhi amaqiniso ewodwa aluleka ngokumelene nokusebenzisa amabhange ase-High Street. Njengesibonelo, iBhange Lase-Ireland likhokhisa imali engaphelele engu-€6.35 + nokusabalala okungu-7% kumazinga e-FX. Ukusabalala kungumehluko phakathi kwezinga amabhange athengisa ngalo i-FX, kanye nezinga athenga ngalo i-FX. Lezi zihluke kakhulu kumazinga e-interbank rates.Ulwazi mayelana nokudluliswa kwemali yase-Ireland ivame ukuphakamisa ukuthi inani elandayo lamakhasimende likhetha izinkampani zokudlulisa imali zamazwe ngamazwe ngaphezu kwamabhange endabuko kanye nezinketho zamakhadi esikweletu. Uma kubhekwa ukuthi azikho izimali ezikhokhwayo, kanye nokusabalala okuqina kakhulu, kunenzuzo enkulu lapho ukudluliselwa kwemali emhlabeni jikelele kwenziwa.
Uma usebenzisa amakhadi esikweletu ekuhambeni nokuvakasha kwamanye amazwe, kuvame ukuba nezinkokhelo ezeqile ezikhokhiswayo ngaphezu kwamanani aphezulu akhokhiswa izinkampani zamakhadi esikweletu. Isibonelo, izinkokhelo zemisebenzi yangaphandle zamakhadi esikweletu zingu-3% we-Chase, i-Citibank, ne-US Bank - into ebiza kakhulu. Ngeholide elingu-€2,000, ungalindela ukukhokha enye i-€60 ezinkokhelweni zokuthengiselana zakwamanye amazwe kuphela - imali engasetshenziswa kangcono kumasevisi engezwe inani eholidini lakho.
Ukuthenga i-FX Ngohlobo Lwemali Lwasekhaya
Uma uthenga ama-euro eholidini lakho e-Ireland, noma i-sterling yeholide lakho e-United Kingdom, ungathenga i-forex ngemali yakho yasekhaya futhi uzolahlekelwa kancane kakhulu ekuguquleni kwezinga lokushintshisana ngokudluliswa kwe-FX yamazwe ngamazwe. Ngamakhadi esikweletu, ukuthengiselana kuguqulwa ngamanani enkampani yekhadi lesikweletu avame ukweqisa.
I-Ireland iyindawo eshisayo kwezokuvakasha, ngenxa ye-euro eba buthaka. Isibonelo, kusukela ngo-Agasti 2017, u-£1 uzuze kusuka ku-€1.08 kuya ku-€1.12, okusho ukuthi abavakashi base-UK bathola inani elithe xaxa lemali yabo lapho bevakashele e-Ireland. Kubahambi baseMelika ukuqiniswa okuqhubekayo kwedola kwenzeke kusukela ekuqaleni konyaka lapho U-$1 uthenge u-€0.83, futhi manje ithenga u-€0.86.
Ngokukhetha ukudluliswa kwemali okuku-inthanethi ngaphezu kokudluliswa kwebhange namakhadi esikweletu, ungazuza kulawa mazinga okushintshaniswa avumayo ohambo nokuvakasha e-Ireland. Izinkampani ezidlulisa imali eziku-inthanethi ezibalwe ngenhla azinazo izinkokhelo zokudluliswa kwemali kwamanye amazwe ezingaphezu kuka-€1000. Inzuzo eyengeziwe yokusebenzisa izinkampani zokudlulisa imali zamazwe ngamazwe ukuthi azikho izimali ezifihliwe - wazi zonke izindleko kusengaphambili. Kuyindlela eshibhile yokuhamba phesheya futhi kulula njengokuchofoza inkinobho!
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- American Express for example charges its own rates, and therefore it doesn't matter which credit card processor you're using – the rates you pay whenever you swipe an AMEX card are always the rates charged by this credit card provider.
- To understand the merits of wire transfer services over traditional credit card deposits, it's important to consider the charges levied on hotels and customers when using credit cards.
- In the US today for example, most states now impose a surcharge up to 4% on the purchase price which gets passed on to customers.
