I-tokenization yenethiwekhi
Faka iingongoma zamakhadi ezikhuselekileyo ezisekhuselekileyo
I-tokenization yenethiwekhi ifaka inombolo yekhadi lokwenyani yomthengi (PAN) nge-token eyingqayizivele, ekhutshwe yinethiwekhi evela kwi-Visa, i-Mastercard, okanye i-Amex. I-token ayisebenzi ukuba iyathunyelwa, kodwa isaqhubekeka nokuhlawula ngokugudileyo - ukuze ishishini lakho ligcine amakhadi kwaye libize abathengi ngaphandle kokubamba idatha yekhadi enobungozi.
Ngokungafani nekhadi eligcinweyo elisisiseko, i-token yenethiwekhi ihlala isebenza nokuba ikhadi lomthengi lifunyenwe kwakhona, liphelelwe lixesha, okanye lifakwe endaweni. Amanethiwekhi amakhadi agcina i-token ihlaziywa ngokuzenzekelayo, oku kuthetha ukuba ukuhlawulwa okungaphumelelanga kunye nengeniso ehlala iphindaphindeka ingaphazanyiswa.
Iitokeni zenethiwekhi zisebenza yonke indawo apho usebenza khona
I-tokenization yenethiwekhi iqhuba ngokuzolileyo ngasemva kwazo zonke iindlela i-Mobipaid esele iyixhasile: intlawulo nge-link, ukuhlawula kwi-intanethi, i-QR invoicing, itheminali ye-virtual, kunye nokuhlawula okuphindaphindayo. Akukho nto abathengi bakho abayifakayo kwaye akukho nto yongezelelweyo onayo yokulawula - i-tokenization ifakwe ngokuzenzekelayo kwiintlawulo ezigciniweyo kunye nentlawulo ephindayo.
Amanqanaba aphezulu okuvunywa, ukuhlawulwa okungaphumelelanga
Iibhanki ezikhutshwayo ziyathemba iitokeni zenethiwekhi ngaphezu kweenombolo zamakhadi eziluhlaza, ngoko ke ukuhlawulwa kunokwenzeka ukuvunywa. Amashishini okubhalisa kunye nokuhlawula okuphindaphindayo, oku kuthetha:
- Ukuhlawulwa okungaphumelelanga ngenxa yamakhadi aphelelwe lixesha okanye afakwe endaweni, ngenxa yokuhlaziywa okuzenzekelayo komjikelo wetoken.
- Amanqanaba aphezulu okuvunywa kwiintlawulo eziphindayo.
- Ukuncitshiswa kokugqibeka okungafunwayo okubangelwa kukuhlawulwa okungaphumelelanga.
- Ixesha elincinci echithwe ekujongeni abathengi ukuba bafake kwakhona iinkcukacha zamakhadi.
Ukhuseleko olwakhiweyo kwiintlawulo zonke
Iitokeni zenethiwekhi zenza idatha yekhadi eligciniweyo ingasebenzi kubahlaseli, yongeza umaleko onamandla phezu kwendalo ye-PCI DSS Level 1 ye-Mobipaid, ukubethela okupheleleyo, i-3-D Secure, kunye nokufunyanwa kobuqhetseba be-AI. Iinombolo zamakhadi okwenyani zabathengi bakho azikaze zibe kwizixokelelwano zakho.
Ukongezo olongeziweyo
- Anqande ukhuseleko oluqinisekileyo — amakhadi enene athatyhelwa ziitokini ezikhutshwa yinethiwekhi ezingasebenziyo xa zophukile.
- Amanqanaba aphezulu ogunyaziso kwintlawulo ezilondolozweyo nezihlaziywayo, ezigunyaziswe ngokuthe ngqo ziinethiwekhi zamakhadi.
- Ukuhlaziywa kwamakhadi ngokuzenzekelayo — iitokini zihlala ziphila xa amakhadi ephinda akhutshwa okanye ephelelwa, kunciphisa iintlawulo ezingaphumeleliyo.
- Ukuncitshiswa kokuphela kwesivumelwano okungafunwayo kumashishini aneenkonzo zokubhalisa kunye neentlawulo eziphindaphindayo.
- Isebenza kuyo yonke imijelo yeMobipaid — intlawulo-nge-link, i-checkout, i-invoying ye-QR, kunye ne-virtual terminal.
- Iyahambelana ngokupheleleyo nePCI DSS Level 1 — siyayiphatha inkqubo yokuhambelana ukuze kungabikho mfuneko yakho.
- Akukho zixhobo zongezelekileyo, ii-app, okanye isenzo somthengi esifunekayo.
- Ixhaswa kwiVisa, Mastercard, kunye neenethiwekhi zamakhadi eziphambili.