Inguqulo 2.0.0. Iqala ukusebenza ngomhla zingu-30 Meyi 2026. Umkhakha: le Nqubomgomo Yezinkokhelo ichaza ukuthi abaQashi bakhokhela kanjani izinsizakalo zangempela zasekhaya ezibhukhwe nge-Sizoro, izimali zika-Sizoro zisebenza kanjani, amathiphu asebenza kanjani, ukubuyiselwa imali kusebenza kanjani, namarekhodi entela akhiqizwa kanjani. Isebenza kuyo yomibili iwebhu nemakhalekhukhwini. Yifunde kanye neMigomo Yesevisi, iMigomo yoMsebenzi, iNqubomgomo Yokukhansela Nokubuyiselwa Imali, iNqubomgomo Yezingxabano, iNqubomgomo Yokukhokhelwa, neNqubomgomo Yobumfihlo. 1. Umhlinzeki wenkokhelo oyedwa — i-Paystack I-Sizoro isebenzisa i-Paystack njengomhlinzeki wezinkokhelo oyedwa wazo zonke izinkokhelo zoMqashi namathiphu, kuyo yomibili iwebhu nemakhalekhukhwini. I-Paystack iyisihloko esithathwe njengohlinzeki wezinkokhelo eNingizimu Afrika. Asisebenzisi isevisi yokukhokha ye-Apple ngaphakathi kohlelo noma isevisi yokukhokha ye-Google Play ngalezi zinkomba. Amabhukhingi akhokhelwa nge-Sizoro yizinsizakalo zangempela zomuntu-kumuntu zasekhaya ezilethwa ngaphandle, ezingavinjwe yi-Apple App Store Review Guideline 3.1.3(e) kanye nenqubomgomo yezinkokhelo ye-Google Play. Izinkokhelo zokubhukha namathiphu yizinkokhelo zezinsizakalo zangempela ezilethwa ngaphandle, hhayi izinkokhelo zezimpahla zedijithali, hhayi i-stored value, futhi hhayi ukuthengwa okuphindiwe kwemikhiqizo. 2. Lokho okukhokhayo Lapho ukhokha nge-Sizoro ukhokhela (a) inani lomsebenzi, elibalwa njengenani lehora elifanele loMsebenzi liphindwe ngesikhathi sebhukhingi; (b) imali yoMqashi engu-5% ye-Sizoro yenkokhelo yebhukhingi enanini lomsebenzi, njalo ikhushulelwe kurandi ophelele oseduze; futhi (c) noma yiliphi ithiphu okhetha ukulengeza. Ukuhlukaniswa kwenani kukhonjiswa ngokugcwele esikrinini soMqashi ngaphambi kwenkokhelo, njengoba kudingwa isigaba 49 so-Mthetho Wokuvikela Abathengi 68 wezi-2008. Inani elisebenzayo lingaba inani losuku lwesonto, inani lempelasonto, noma inani losuku lwemikhosi yomphakathi, futhi likhethwa ngumsizi ofanayo we-`pickApplicableRate` osetshenzisiwe ngesikhathi sokubhukha. 3. Ikhomishini yoMsebenzi Ngokuhlukile, i-Sizoro idonsa ikhomishini yoMsebenzi engu-5% enanini lomsebenzi, nayo ikhushulelwe kurandi ophelele oseduze. Ikhomishini yoMsebenzi iphakathi kwe-Sizoro noMsebenzi; ayishintshi inani uMqashi alikhokhayo. Amathiphu adluliselwa kuMsebenzi ngo-100% futhi awahlangani nekhomishini futhi awakhushulelwa. 4. Ukukhushulelwa kusebenza kanjani Ikho kokubili imali yokubhukha yoMqashi kanye nekhomishini yoMsebenzi ikhushulelwa kurandi ophelele oseduze isebenzisa i-`Math.ceil` kumsizi wamanani wabelana. Isibonelo, inani lomsebenzi le-R20 likhiqiza imali ye-R1, futhi inani lomsebenzi le-R100 likhiqiza imali ye-R5; inani lomsebenzi le-R0.10 lisalikhiqiza imali ye-R1. Amathiphu awakhushulelwa. Inani lomsebenzi ngokwalo ligcinwa kuze kufike emakhinkihlweni amabili. 5. "Pre-authorisation" nokuthathwa kwemali ("capture") I-Paystack ivumela ikhadi loMqashi ("pre-authorisation") esikhathini sokuqinisekiswa kwebhukhingi. Izimali zihlala e-akhawuntini yebhange loMqashi siqu phakathi nesikhathi sebhukhingi, futhi zithathwa ("capture") kuphela lapho uMsebenzi eseqede umsebenzi futhi isikhathi sengxabano sivaleke, noma lapho uMqashi eqinisekisa ukuphela — ngaphambi kwakho konke. Ngesikhathi se-capture, i-Paystack idlulisela ngokuqondile ingxenye yoMsebenzi e-"subaccount" yoMsebenzi ye-Paystack exhumene nebhange, futhi izimali ze-Sizoro ziye e-akhawuntini enkulu ye-Sizoro kuwo wonke umsebenzi owodwa. I-Sizoro ayiwagcini la mali phakathi nendawo. Uma ibhukhingi likhanseliwe ngaphambi kwe-capture, iNqubomgomo Yokukhansela Nokubuyiselwa Imali iyaqinisa ukuthi i-pre-authorisation ikhululwe (akukho ukukhokhwa) noma ithathwe ngokuyingxenye yokunxephezelwa koMsebenzi. 6. Amakhadi nezinsiza I-Paystack isekela amakhadi ase-debit nawasebhange aseNingizimu Afrika (Visa, Mastercard, Verve) nezinhlelo zokudlulisa imali kwasebhange. I-Sizoro ayisigcini isikhumbuzo sekhadi esiphelele. Imininingwane yamakhadi yenziwe yathokenseni nge-Paystack ngaphansi kwezilawuli ze-PCI-DSS. I-Sizoro igcina kuphela inkomba ye-Paystack, izinombolo ezi-4 zokugcina, igama, ukuphela, nemininingwane edingekayo ukubonisa indlela yokukhokha egciniwe, lapho uMqashi ekhethe ngokucacile ukugcina enye. Kumabhukhingi ahlelelwe ngaphezu kwezinsuku eziyisikhombisa (7) ngokuzayo, ukubamba kwe-pre-authorisation ye-Paystack kuphelelwa cishe ezinsukwini eziyisikhombisa; i-Sizoro iphinde ifake i-authorisation ekhadini eligciniwe ku-T-24h ngaphambi kokuqala kwebhukhingi ukuze i-authorisation ibe iyaphila ngesikhathi se-capture. Uma ukufakwa kabusha kwe-authorisation kuhluleka (ikhadi linqatshelwe, ikhadi liphelelwe, izimali ezinganele), ibhukhingi liyakhanselwa ngokuzenzakalelayo futhi uyaziswa ngaphakathi kohlelo nange-imeyili. 7. Izinkokhelo ezehlulekayo nezibuyiselwe Uma i-authorisation yokuqala yehluleka, ibhukhingi alikaqinisekiswa futhi uMsebenzi akabophezelekile. Ezinye izenzo zokubhukha zingavinjelwa kuze kube nani elingaphezulu lebhukhingi likhokhwe. Uma i-Paystack ihlehlisa i-capture ngemva kwesikhathi (isibonelo, ngenxa ye-chargeback noma ukubuyiselwa kwebhange), i-Sizoro ingamisa i-subaccount yoMsebenzi ethintekayo, ilungise i-ledger, futhi ivule ingxabano. Ama-chargeback enziwe ngokungeqotho kungukwephula iNqubomgomo Yokusebenzisa Ngokwamukelekile. 8. Ukubuyiselwa imali Ukubuyiselwa imali akujwayelekile kule ndlela ngoba kumabhukhingi amaningi akhanseliwe, i-pre-authorisation ikhululwa (akukho ukukhokhwa okwenzekayo) noma kuthathwa ingxenye nje yokunxephezelwa koMsebenzi. I-Paystack `refund` API igcinelwe (a) ukweqa komlawuli ("admin override") lapho i-Sizoro ibuyisela i-capture eqedile, (b) ukubuyiselwa imali okuvulwa yi-Paystack ngenxa yokuvikelwa kwabathengi, kanye (c) ukulungiswa kokuphathwa kwe-capture ephindwe kabili. Lapho ukubuyiselwa imali kucutshungulwa, i-Paystack ngokuvamile ihlangabezana phakathi kwezinsuku ezinhlanu (5) kuya kweziyishumi (10) zebhizinisi laseNingizimu Afrika, kuya ngebhange elikhipha nenethiwekhi yekhadi. I-Sizoro izokhipha inkomba yokubuyiselwa imali ngaphakathi kohlelo. Kumakhanselo athatha ingxenye nje, ingxenye eseleyo ye-authorisation ikhululwa yibhange loMqashi phakathi kwesikhathi esifanayo sezinsuku ezinhlanu kuya kweziyishumi zebhizinisi — i-Sizoro ayivuli ukubuyiselwa imali kulesi simo ngoba i-Sizoro ayikaze izithole lezo zimali. 9. Amanani angaphezulu Uma uMqashi ekweleta inani elingaphezulu ebhukhingini (isibonelo, isikhathi esengeziwe noma umsebenzi owengeziwe ovunyelwene), ezinye izenzo zokubhukha zingavinjelwa kuze kube inani elingaphezulu likhokhwe. "Inani elingaphezulu" libhekisa esikweletini soMqashi ebhukhingini langempela, hhayi i-stored value. 10. Ama-invoyisi entela namarekhodi entela I-Sizoro inikeza ama-invoyisi entela ahambisana ne-VAT lapho ibhukhingi liphathelene ne-VAT (futhi i-Sizoro ibhalisiwe kwi-VAT). Kunoma yibuphi ibhukhingi eseliphelile, i-Sizoro yenza i-invoyisi ngaphakathi kohlelo ekhombisa igama loMqashi, inkomba yephrofayela loMsebenzi, inani lomsebenzi, imali yebhukhingi yoMqashi ye-Sizoro ye-5%, ithiphu (lapho lifanele), inani eliphelele elikhokhiwe, inani le-VAT (lapho lifanele), nenkomba ye-Paystack. AbaSebenzi bathola isitatimende samaholo ahambisana nebhukhingi ngalinye (bheka iNqubomgomo Yokukhokhelwa). Lawa marekhodi asekela ukuhlolwa kwe-SARS, ukufaka intela komuntu siqu, nokubuyekezwa kwezingxabano futhi agcinwa okungenani iminyaka eyisikhombisa (7). 11. Ukucaca kwamanani ngaphambi kwenkokhelo Ngaphambi kokuba uMqashi akhokhe, i-Sizoro ikhombisa ngolimi olucacile: inani lomsebenzi lehora; isikhathi esibhukhiwe; inani lomsebenzi; imali yebhukhingi yoMqashi ye-Sizoro ye-5%; ithiphu elizikhethelayo; nenani eliphelele. Lokhu kuhlangabezana nesidingo solimi olucacile esigabeni 49 nezimfanelo zokudalulwa kwesigaba 26 so-Mthetho Wokuvikela Abathengi wezivumelwano zesikhathi esimisiwe, lapho zifanele. 12. Izinkinga zesevisi nendlela yoMthetho Wokuvikela Abathengi Akukho kule Nqubomgomo Yezinkokhelo okunqamulayo amalungelo abaQashi ngaphansi koMthetho Wokuvikela Abathengi, kuhlanganise iwaranti yekhwalithi engqondweni esigabeni 56. Uma isevisi inganikezwanga ngekhono noma ukunakekela okufanele, bheka iNqubomgomo Yezingxabano ukuze ufunde indlela yokufuna umuthi, kuhlanganise ukubuyiselwa imali. 13. I-Sizoro ayisilo ibhange I-Sizoro ingumlawuli wemakethe. I-Sizoro ayikwenzi (a) ukuthatha imali edidiyelwe, (b) ukunikeza imikhiqizo yokubolekisa elawulwa imithetho yaseNingizimu Afrika yokubolekisa imali, (c) ukukhipha imikhiqizo ye-stored value, noma (d) ukunikeza izinsiza zasebhange. I-Sizoro ayizigcini izimali ezikweletwa abantu besithathu nakancane ngaphansi kwendlela ye-"pre-authorisation + capture-with-split". Ibhange loMqashi ligcina i-authorisation kuze kube i-capture; ngesikhathi se-capture, i-Paystack idlulisela ngokuqondile ingxenye yoMsebenzi e-Paystack "subaccount" yoMsebenzi exhumene nebhange, futhi izimali ze-Sizoro ziye e-akhawuntini enkulu ye-Sizoro emsebenzini owodwa we-Paystack. Amaholo oMsebenzi afakwe ku-subaccount ngaphambi kokuhlanganiswa ebhange awumkhiqizo ohanjiswe yi-Paystack okukhokhwayo, hhayi i-stored value yokuphathwa yi-Sizoro noma egcinwe ngokwethemba yi-Sizoro. 14. Izinguquko kule Nqubomgomo Yezinkokhelo Singabuyekeza le Nqubomgomo Yezinkokhelo. Izinguquko ezibalulekile zaziswa ngohlelo noma nge-imeyili izinsuku okungenani ezingu-14 ngaphambi kokuba ziqale ukusebenza. 15. Ukuthintana Ukwesekwa kwenkokhelo: support@sizoro.com. Ubumfihlo: support@sizoro.com. Ukudalulwa kwe-Paystack: bheka iNqubomgomo Yobumfihlo.
