I-Venmo vs. Paypal: Yeyiphi eyona ilungileyo? Ngexesha apho ndizama ukwenza lula, zombini ngokwedijithali nangokwenyama, ndiphantse ndibe neentloni ukuvuma ukuba ndisebenzisa zombini. Ukuba ndiyathenga, ndithumela imali ngePayPal. Ukuhlawula umnakekeli okanye ukwahlula ithebhu nabahlobo kwisidlo sangokuhlwa? Venmo yonke indlela. (Thanda ezo emojis.) Kodwa yeyiphi inkqubo yentlawulo yoontanga ingcono? Sivavanya okulungileyo kunye nokubi-kwaye sithethe nomcebisi wezezimali-ukugqiba.
Yintoni iVenmo?
IVenmo sisicelo sasimahla sentlawulo yoontanga-kuya-evumela abasebenzisi ukuba bathumele kwaye bafumane imali kubafowunelwa kunye nabahlobo. (I-PayPal ngokwenene ifumene inkonzo ngo-2013 njengenxalenye yokufunyanwa okukhulu.)
Ukusebenzisa iVenmo, bobabini umthumeli kunye nomamkeli kufuneka babe nayo Iiakhawunti zeVenmo . Kodwa umahluko ophambili kwi-PayPal kukuba iVenmo yeyaselfowuni kuphela, ikuvumela ukuba ubhale imali, ukuze uthethe, ngokukhangela igama lomsebenzisi lommkeli, ifowuni okanye i-imeyile. Kukwakho necandelo lezentlalo: Abasebenzisi banokukhetha ukwenza intengiselwano esidlangalaleni (ibonisa ukuba ngubani ohlawulwayo kwaye ngantoni, kodwa hayi imali) ukuze bavele kumgca wexesha, ukuvumela abahlobo ukuba bathande kwaye baphawule ngokuthenga, ukuba ungenile. into enjalo.
Iakhawunti yakho inxulunyaniswe neakhawunti yakho yebhanki okanye ikhadi letyala okanye ledebhithi.
Yintoni i-PayPal?
Umdlali ukusukela ngeminyaka yoo-1990s, iPayPal yenye yee-apps zokuqala zemali kunye neenkonzo zentlawulo. Kodwa ngelixesha inkonzo iyaziwa ngoncedo lwayo ngokuthenga kwi-intanethi kunye ne-e-commerce, ikwabonelela ngokudluliselwa kwemali koontanga. Ukuseta, uya kufuna kuqala i-akhawunti ye-PayPal, ngoko-ukuba nje umntu othumela imali kuye ebhalisiwe-ungasebenzisa igama labo, idilesi ye-imeyile okanye inombolo yefowuni ukuthumela okanye ukucela imali. (Ukuba umamkeli akanayo i-akhawunti, baya kufumana isilumkiso se-imeyile ukuba imali ikhona kwaye kufuneka bayibeke ukuze bafumane.)
IVenmo vs. PayPal: Yintoni Umahluko?
Ewe, i-PayPal ingabanini bobabini, kodwa kusekho iimpawu ezahlukileyo malunga nenkonzo nganye yentlawulo.
1. Ukhuseleko
Xa kufikwa kukhuseleko, zombini iVenmo kunye nePayPal zibonelela ngokhuseleko lwebhanki kunye nofihlo. Kodwa i-PayPal ithatha amanyathelo ambalwa ongezelelweyo ukukunceda uzive ukhuselekile malunga nemali yakho. Enye into, uya kufumana i-imeyile yokuqinisekisa nanini na ukuthengiselana kwenzeka, okukuvumela ukuba ugcine iithebhu kwaye uhlale uqaphile xa kuziwa kuwo nawuphi na umsebenzi wobuqhophololo. Bahlala beskena rhoqo ukuze baqiniseke ukuba usebenzisa itekhnoloji yangoku yokufihlakala kwibhrawuza yakho.
IVenmo igqamile kuba ifuna ukuba abasebenzisi babhalise iakhawunti ukuze bayisebenzise. (I-PayPal ayifuni.) Sekunjalo, i-Venmo ikhuthaza ukuba uthumele kuphela / ufumane imali evela kwabo ubaziyo kwaye ubathembile. Yaye ukuba uhlawula ngempazamo umntu ongafanelekanga, usenokuba nzima ukufumana loo mali. (IVenmo inokubuyisela umva ukuthenga kuphela nge imvume ecacileyo evela kumamkeli .)
2. Indlela Oyisebenzisa ngayo
I-Venmo igxininise kakhulu kwintengiselwano yoontanga-okuthetha ukuba le yinkonzo yokusetyenziswa ukuba ufuna ukubuyisela umhlobo okanye ngokukhawuleza unike ingcebiso kwi-salon yeenwele ukuba ulibele ukuphatha imali.
Kwi-flip side, i-PayPal yenzelwe ukusebenza namashishini. (Iintlawulo zoontanga kunye nokudluliselwa kwaba yinto eyongezwa kamva.) Oko kuthetha ukuba iziseko zayo zifanelekile kumashishini amancinci. Kukho nebhokisi yesixhobo egcweleyo izisombululo ezinokwenzeka kunye neenketho zokuhlawula (njengomfundi wekhadi leselula) kubathengisi.
3. Imida yokuTshintshela
Umda wokuthumela i-PayPal ufikelele $ 60,000 ngentengiselwano enye (eminye imida ingasebenza, ngokuxhomekeke kwimali yakho kunye nesimo seakhawunti). Unokusebenzisa iindlela ezininzi zokuxhasa iakhawunti yakho-ikhadi lebhanki, ikhadi letyala, ibhalansi yePayPal (imali ihleli kwiakhawunti yakho de uyithumele ebhankini yakho) kunye netyala lePayPal (a umgca wetyala enikezelwa ngePayPal).
NgeVenmo, umda wokuthengiselana koontanga-kuya-ntanga ,000 ngeveki (le nkcitho yenkcitho inyuka kancinci kwiintlawulo zabarhwebi). Oku kuhla kakhulu kwiimeko zokusetyenziswa kwe-app nganye, echazwe ngasentla. I-PayPal yenzelwe iitransekshini ezinkulu (umzekelo, iindleko zeshishini) ngelixa iVenmo ingaphezulu malunga nenkcitho yemihla ngemihla (ukubuyisela umhlobo ngesidlo sasemini).
4. Iimpawu zeNtlalo
Apha kulapho iVenmo isikiwe khona ngasentla. I-Venmo ivumela abasebenzisi ukuba bathande, baphawule kwaye bongeze i-emojis kwiintengiselwano ezenzeka ngaphakathi kwe-app. Ukuchitha kukwabucala ngokuzikhethela, okuthetha ukuba unokukhetha ukwabelana ngeenkcukacha (hayi isixa) senkcitho eyenziwayo phakathi kwabahlobo. I-PayPal ayinikezi nto yolo hlobo.
5. Imirhumo kunye nesantya sokurhoxisa
Zombini iiapps ziyafana apha. IVenmo ikwasimahla ukuyisebenzisa kwaye akukho ntlawulo ihlawuliswayo ukuba nje uhlawula ngebhalansi yakho yeVenmo, i-akhawunti eqhagamshelwe kwiakhawunti yebhanki, ikhadi lebhanki okanye ikhadi elihlawulelwa kwangaphambili. Udluliselo lwengxowa-mali lusimahla kwaye luyakhawuleza (luthatha usuku olunye lomsebenzi). Abasebenzisi ihlawuliswe i-3 yepesenti yomrhumo wokudlulisa imali ukusuka kwikhadi letyala, kwaye iVenmo iphinda ihlawule umrhumo wepesenti enye ukuba ufuna ukudluliselwa kwemali kwangoko kwiakhawunti yakho. Kuyafaneleka ukuba uqaphele ukuba iVenmo ayiboneleli ngentengiselwano yamazwe ngamazwe ngeli xesha.
I-PayPal iyafana -ukuvavanya i-3 yepesenti yomrhumo, kodwa kwakhona i-tack kwi-30 eyongezelelweyo yeesenti kuyo nayiphi na intengiselwano kunye nekhredithi okanye i-debit okanye ikhadi. (I-akhawunti yebhanki edibeneyo okanye ibhalansi ye-PayPal ikhululekile.) Ngokumalunga nesantya, ukudlulisa imali kwi-PayPal kwi-akhawunti yakho yebhanki kunokuthatha iintsuku ezintlanu zokusebenza. Ukuba ufuna ukuba iimali ziye kwi-akhawunti yakho ngokukhawuleza, kufuneka uhlawule umrhumo we-1 ekhulwini. (Ubuninzi bentlawulo yi-$ 10.) Unako kwakhona kuphela ukurhoxisa intengiselwano PayPal ukuba isaza kugqitywa / ibango. (Kodwa ngokungafaniyo neVenmo, intengiselwano yamazwe ngamazwe inokwenzeka ngomrhumo wepesenti ezi-5 ukuba udluliselo luvela kwiakhawunti yakho yebhanki.
Isigwebo sokugqibela
Zombini ezi nkonzo zijonga xa kufikwa kukhuseleko kunye nokusebenziseka ngokulula, ke siye sacofa uPriya Malani, umcwangcisi wezemali kunye nomseki weqela. Stash Ubutyebi , ukuvavanya ukuba yeyiphi i-app eyona ilungileyo kwaye ngoba. Ekupheleni kosuku, zonke zilungile kwaye zikhululekile, ngoko kuxhomekeke kwinto oyithengayo okanye ohlawulayo.
Ingcebiso yakhe: I-PayPal ilungile kudluliselo lwamazwe ngamazwe, kodwa iVenmo yindlela yokuya kusetyenziso lwemihla ngemihla. Isetyenziswa kakhulu, kodwa ikwangumdlalo wababukeli. Idibanisa i-social feed kunye nokukwazi ukwahlula ngokukhawuleza i-bill esebenzayo okanye ithebhu yebha.
