Splitwise Pay: izimali ezikhokhiswayo, ukuxhuma ibhange nokuthi iphephile yini
I-Splitwise Pay ihlanganisa amabhalansi ngaphakathi ku-Splitwise kubahlali base-US kuphela. Ukudlulisa imali okujwayelekile kumahhala; ukukhipha imali ngokushesha kubiza u-1.75%. Lokho eyakucelayo, ubani ophethe imali, nokuthi nini ongayidingi nhlobo.
Uhambo seluphelile, i-Splitwise ithi ukweleta uSipho u-$240, futhi manje i-app inikela ukumthumelela yona egameni lakho. Ngaphambi kokuthi uqhubeke, ubuzwa usuku lwakho lokuzalwa, inombolo yakho ye-Social Security nebhange lakho. Yilapho abantu abaningi bema khona bese befuna: ingabe lokhu kuphephile, futhi kubiza malini?
Nansi impendulo emfushane. I-Splitwise Pay iyinsizakalo yokukhokha ehlukile eyakhelwe ngaphakathi ku-Splitwise, eyabahlali base-US kuphela. Ukudlulisa okujwayelekile kumahhala, ukukhipha imali ngokushesha kubiza u-1.75%, futhi awusoze uyidinge ukuze uhlanganise ibhalansi. Izingxenye ezilandelayo zichaza ingxenye ngayinye yalowo musho, njengoba kubhalwe ekhasini le-Pay nasemibandeleni ye-Splitwise uqobo.
Irekhodi nesikhwama semali yizinto ezimbili ezehlukene
I-Splitwise, okokuqala, iyirekhodi: ibhala ukuthi ubani okhokhile, ubani okweletayo, nebhalansi eqhubekayo. Ukubhala inkokhelo — “ngikhokhele uSipho u-$240” — kuyingxenye yerekhodi, akubizi lutho, futhi akuthinti imali yanoma ubani. Indlela i-Splitwise esebenza ngayo ihamba kuleyo rekhodi ngokuningiliziwe.
I-Splitwise Pay ingenye ingxenye: isikhwama semali esihambisa amadola angempela phakathi kwamalungu. Ikhona ukuze nihlanganise izikweletu ngaphandle kokuphuma ku-app. Ngoba ihambisa imali, ilawulwa njengensizakalo yokukhokha, futhi yonke imibuzo mayelana nokuqinisekiswa kobunikazi, ukuxhuma ibhange nezimali ezikhokhiswayo ingeyale ngxenye, hhayi eyohlu lwezindleko.
Ubani ongayisebenzisa
Ikhasi le-Pay nemibandela ye-Splitwise uqobo kubeka imibandela emine:
- Ungumhlali wase-US, oneminyaka engu-18 noma ngaphezulu, one-akhawunti ye-Splitwise esesimweni esihle.
- Une-akhawunti ye-checking yase-US yokuxhasa izinkokhelo nokwamukela imali oyikhiphayo.
- Uyayamukela imibandela yesevisi ye-Splitwise Pay futhi uqedele ukuhlolwa kobunikazi.
- Umuntu omkhokhelayo naye uvule i-Splitwise Pay. Awukwazi ukuthumela kumuntu ongakayivuli.
Owokugcina kulula ukuwukhohlwa. Eqenjini labantu abayisithupha, i-Splitwise Pay ihlanganisa kuphela ukudluliswa phakathi kwabantu abayisethile bonke; abanye bonke basakhokha ngendlela ejwayelekile.
Lokho eyakucelayo, nesizathu
Ukuze uvule i-Splitwise Pay unikeza inombolo yocingo eqinisekisiwe, igama lakho elisemthethweni, ikheli lasekhaya, usuku lokuzalwa nenombolo ye-Social Security (i-SSN, inombolo kamazisi kazwelonke yase-US). Lolo hlu yilokho insizakalo yokukhokha ekudingayo ukuze iqinisekise ukuthi unguwe ngempela othi unguye; kuwuhlobo olufanayo lokuhlola ibhange elikwenzayo uma uvula i-akhawunti.
Akukho kulokho okudingekayo ukuze wahlukanise ibhili. Uma i-app icela amaphepha obunikazi, kungoba ihambisa imali — ingabe ama-app okwahlukanisa amabhili adinga i-akhawunti yakho yasebhange? ichaza umehluko phakathi kwalezi zinhlobo ezimbili zama-app.
Izimali ezikhokhiswayo, zonke
Izimali ezishicilelwe ze-Splitwise Pay zimbalwa:
| Isenzo | Imali ekhokhiswayo |
|---|---|
| Ukudlulisa okujwayelekile ungena noma uphuma | $0 |
| Ukukhipha imali ngokushesha uyiyisa ebhange lakho | 1.75% (okungenani $0.25, okuphezulu $25) |
| Imali yanyanga zonke noma yokubhalisa | Ayikho |
| Ikhadi le-Splitwise elithatha indawo yelidala | $5 |
Ibhange lakho lingengeza izimali zalo. Imibandela ithi ukudlulisa okujwayelekile okungenayo kufakwa ku-akhawunti yakho ye-Splitwise Pay phakathi nezinsuku ezimbili zokusebenza.
Imali yokukhipha ngokushesha iyiphesenti elinaphansi naphezulu, ngakho iziphatha ngokwehlukile ohlangothini ngalunye:
| Imali ekhishwayo | U-1.75% wayo | Imali ekhokhiswayo |
|---|---|---|
| $12 | $0.21 | $0.25 (okungenani) |
| $240 | $4.20 | $4.20 |
| $2,000 | $35.00 | $25.00 (okuphezulu) |
Ngakho uma uSipho ekweletwa u-$240 ngemuva kohambo futhi ewakhipha ngokushesha ewayisa ebhange esikhundleni sokudlulisa okujwayelekile, isivinini sibiza u-$4.20. Ukudlulisa okujwayelekile akubizi lutho.
Ukuxhuma i-akhawunti yasebhange
Kunezindlela ezimbili zokuxhuma i-akhawunti yakho ye-checking:
- Ngokushesha, ngemininingwane yakho yokungena ebhange le-inthanethi. Kushesha kakhulu, kodwa kusho ukufaka imininingwane yakho yokungena ebhange ohlelweni lokuxhuma.
- Ngamadiphozithi amancane, phakathi nosuku olulodwa kuya kwezimbili zokusebenza. Amanani amabili amancane okuhlola angena ku-akhawunti yakho; uyawaqinisekisa, bese i-akhawunti iqinisekiswa ngaphandle kokwabelana ngemininingwane yakho yokungena.
Uma ukuthayipha iphasiwedi yebhange lakho kwenye i-app kukwenza ungakhululeki, indlela yesibili ikhona ngenxa yalokho kanye. Ungashintsha i-akhawunti exhunyiwe kamuva ngaphandle kokuthinta okwenziwe ngaphambilini.
Ubani ophethe imali
Izinsizakalo zasebhange ze-Splitwise Pay zihlinzekwa yi-Coastal Community Bank, Member FDIC — ibhange lase-US eliyilungu le-FDIC, isikhungo sikahulumeni esiqinisekisa amadiphozithi. Imali esesikhwameni ingase ifanelekele umshwalense we-FDIC odlulayo (pass-through) ngaphansi kwemibandela ethile echazwe emibandeleni yesevisi. Ngamazwi alula: imali ihlala ebhange lase-US elilawulwayo, hhayi ku-app yezindleko uqobo.
Pho, iphephile?
Ngokwendlela esebenza ngayo, i-Splitwise Pay yenza lokho okwenziwa yizinsizakalo zokukhokha ezilawulwayo: iqinisekisa ubunikazi, isebenzisa ibhange elingumlingani, futhi izimali zayo zishicilelwe. Umbuzo owusizo kakhulu uhlukile — ingabe uyafuna yini ukuthi i-app ephethe umlando wezindleko zeqembu lakho iphathe nemininingwane yakho yasebhange? Abanye bathanda ukuthi konke kube ndawonye. Abanye bathanda ukuthi izibalo zibe ku-app eyodwa, imali ibe ku-app yebhange asebeyethemba kakade.
Kokubili kunengqondo. Iphuzu ukuthi kuyisinqumo: akukho lutho ku-Splitwise olukuphoqa ukuthi usebenzise i-Pay. Ungahlanganisa izikweletu nge-Zelle, nge-Venmo, ngokudlulisa ebhange noma ngokheshi, bese ubhala inkokhelo eqenjini, futhi ibhalansi isuke ngendlela efanayo. Isithombe esibanzi sokuphepha kwe-app uqobo sise-ingabe i-Splitwise iphephile?.
Uma ungekho e-US
I-Splitwise Pay ayitholakali kuwe, futhi awuphuthelwa yisici kangako kodwa weqa isinyathelo esisodwa nje. Khokhani ngendlela iqembu lenu elivele likhokha ngayo — i-EFT, i-app yokukhokha, ukheshi — bese niyibhala. Indlela yokuhlanganisa izikweletu ngaphandle kwamahloni ikhuluma ngengxenye enzima ngempela, okungukucela.
Lapho i-Donget ingena khona
I-Donget iyirekhodi ngamabomu. Ayinayo indlela yokuhambisa imali, ngakho ayisoze yacela i-akhawunti yasebhange, ikhadi, umazisi noma inombolo ye-Social Security, futhi ayikho imali yokudlulisa okufanele ibalwe. I-Hlanganisa izikweletu ibala izinkokhelo ezimbalwa kakhulu ezisula iqembu; ukhokha nganoma iyiphi indlela osuvele uyisebenzisa, bese uthepha u-Kukhokhiwe — noma usebenzise i-Rekhoda ukudlulisa imali enkokhelweni eyenziwe ngenye indlela — bese ibhalansi ibuyekezwa kuwo wonke umuntu. Ungena nge-Google noma nge-Apple, ngakho ayikho iphasiwedi ye-Donget engavuza, futhi azikho izikhangiso.
Lapho ilahlekelwa khona: uma ufuna ukuthi inkokhelo uqobo yenzeke ngaphakathi ku-app yokwahlukanisa, i-Donget ayikwenzi lokho, kanti i-Splitwise Pay iyakwenza — kubahlali base-US.
Imibuzo evame ukubuzwa
Ingabe i-Splitwise Pay iphephile?
Isebenza njengezinye izinsizakalo zokukhokha ezilawulwayo: iqinisekisa ubunikazi bakho, izinsizakalo zasebhange zihlinzekwa yi-Coastal Community Bank, Member FDIC, futhi umshwalense odlulayo ungasebenza ngaphansi kwemibandela ethile. Ukuhlanganisa izikweletu akuyidingi.
Ingabe i-Splitwise Pay iyakhokhisa?
Ukudlulisa okujwayelekile kumahhala, akukho mali yanyanga zonke noma yokubhalisa. Ukukhipha imali ngokushesha kubiza u-1.75%, okungenani u-$0.25, okuphezulu u-$25.
Ingabe i-Splitwise ithatha ingxenye uma nihlanganisa izikweletu?
Hhayi ekudluliseni okujwayelekile, futhi hhayi uma ukhokha ngenye indlela bese uyibhala. Imali yephesenti eyodwa kuphela emibandeleni ngu-1.75% wokukhipha ngokushesha.
Ingabe i-Splitwise Pay iyatholakala ngaphandle kwe-US?
Cha. Ingeyabahlali base-US abaneminyaka engu-18 noma ngaphezulu abane-akhawunti ye-checking yase-US, futhi umuntu omkhokhelayo kufanele naye ayivulile.
Kungani i-Splitwise Pay icela inombolo yami ye-Social Security?
Ngoba ihambisa imali, futhi insizakalo yokukhokha kufanele iqinisekise ukuthi ungubani. Uhlu lwezindleko uqobo aludingi lutho kulokhu.
Ingabe kuphephile ukuxhuma i-akhawunti yami yasebhange ne-Splitwise?
Yi-Splitwise Pay kuphela eyidingayo. Ungayixhuma ngemininingwane yakho yokungena ebhange le-inthanethi, noma uqinisekise ngamadiphozithi amancane okuhlola phakathi nosuku olulodwa kuya kwezimbili zokusebenza ngaphandle kokwabelana ngayo.
Isiphetho
I-Splitwise Pay iyindlela elula nelawulwayo yokuthi abantu base-US bahlanganise izikweletu ngaphakathi ku-app: mahhala ngesivinini esijwayelekile, u-1.75% uma ufuna imali ngokushesha, nokuhlolwa okuphelele kobunikazi ukuze ungene. Kungokuzikhethela. Ibhalansi iyona ebalulekile, futhi noma iyiphi indlela yokukhokha ingayisula.
Landa i-Donget mahhala bese ugcina irekhodi ngaphandle kokunikela ngalutho lwezezimali — inkokhelo ihlala ku-app yebhange osuvele uyethemba.
