Inguqulo 2.0.0. Iqala ukusebenza ngomhla zingu-15 Juni 2026. Umkhakha: le Nqubomgomo Yokukhokhelwa ichaza ukuthi amaholo oMsebenzi afika kanjani e-akhawuntini yebhange laseNingizimu Afrika yoMsebenzi. Isebenza kuwo wonke uMsebenzi osebenzisa i-Sizoro kuwebhu noma kumakhalekhukhwini. Yifunde kanye neMigomo yoMsebenzi, iNqubomgomo Yezinkokhelo, iNqubomgomo Yezingxabano, iNqubomgomo Yokusebenzisa Ngokwamukelekile, neNqubomgomo Yobumfihlo. 1. Lokho okukhokhwayo Amaholo oMsebenzi ebhukhingini ngalinye ayinani lomsebenzi ngaphandle kwekhomishini yoMsebenzi engu-5% (ikhushulelwe kurandi ophelele oseduze), kanye no-100% wanoma yiliphi ithiphu uMqashi engeze kulelo bhukhingi. Amathiphu awahlangani nekhomishini futhi awakhushulelwa. Amaholo ahlangabezana ngokuzenzakalelayo ngokwebhukhingi ngalinye — akekho omunye umjikelezo wokukhokhelwa, akekho omunye umjikelezo wokukhokhelwa. 2. Amaholo oMsebenzi awumkhiqizo wokukhokhwa, hhayi i-stored value Amaholo oMsebenzi okukhokhwayo kwesevisi yangempela enikezelwe. Akakhona umkhiqizo we-stored value, akakhona ne-holding account, futhi akakhona imali uMsebenzi angayisebenzisa ngaphakathi kwe-Sizoro noma adlulisele komunye umsebenzisi. I-Sizoro ayiwagcini amali nakancane; i-Paystack idlulisela ngokuqondile ingxenye yoMsebenzi e-"subaccount" yoMsebenzi ye-Paystack ngesikhathi se-capture, futhi i-Paystack ihlanganisa i-subaccount ebhange laseNingizimu Afrika loMsebenzi ngomjikelezo wayo ojwayelekile. 3. Ukuhlanganiselwa okuzenzakalelayo ngokwebhukhingi Amaholo oMsebenzi ahlangabezana ngokuzenzakalelayo ngokwebhukhingi ngalinye. Lapho ibhukhingi liphethwa nge-capture — kungenxa yokuthi uMqashi uqinisekise ukuphela noma ngokuthi ifasitela lamahora ayi-24 ("24-hour auto-confirm window") liphelile — i-Paystack yenza i-"capture-with-split" eyodwa edlulisela ngokuqondile ingxenye yoMsebenzi (inani lomsebenzi ngaphandle kwekhomishini engu-5%, kanye nanoma yiliphi ithiphu) e-"subaccount" yoMsebenzi ye-Paystack, futhi izimali ze-Sizoro ziye e-akhawuntini enkulu ye-Sizoro emsebenzini owodwa. I-balance ye-subaccount yoMsebenzi ihlanganiswa ebhange loMsebenzi ngomjikelezo wokuhlangana ojwayelekile we-Paystack, ngokuvamile T+1 (osukwini olulandelayo lwebhizinisi laseNingizimu Afrika). AbaSebenzi abaqali ukukhokhelwa. Akukho sheduli yokukhokhelwa, akukho sikhathi sokuvala, futhi akukho nani eliphansi lokukhokhelwa. 4. Imininingwane yebhange nokwakhiwa kwe-subaccount UMsebenzi ufaka imininingwane yebhange kanye nje esikrinini semininingwane yebhange ngaphakathi kohlelo. AbaSebenzi kufanele (a) babe nobunikazi obuqinisekisiwe ngomlingani wethu wokuqinisekiswa kobunikazi; (b) banikeze i-akhawunti yebhange laseNingizimu Afrika egameni labo lasemthethweni (ama-akhawunti ahlanganyelwe nawomuntu wesithathu awasekelwe ku-MVP); kanye (c) baqinisekise ukuthi imininingwane yebhange ilungile. Ukugcina imininingwane yebhange kwenza ngokushesha i-"subaccount" ye-Paystack egameni loMsebenzi; i-ID ye-subaccount igcinwa kuphrofayela yoMsebenzi futhi yileyo i-Paystack edlulisela kuyo izimali ezi-"captured". Lapho uMsebenzi eshintsha imininingwane yebhange, i-subaccount ibuyekezwa endaweni efanayo. Lapho i-akhawunti imisiwe noma ivaliwe, i-subaccount yenziwa ingasebenzi ngakho akukho ma-capture aqhubekayo aphilelwa kuyo. Akukho omunye umjikelezo ohlukile wokuqala ukukhokhelwa. 5. Amaholo ahlanjululiwe nalindiwe Amaholo ebhukhingini ahlanganisa kuphela e-subaccount lapho ibhukhingi seliphethwe nge-capture (uMqashi uqinisekisile noma ifasitela lamahora ayi-24 liphelelwe). Amaholo emabhukhingini asasefasiteleni lokuqinisekisa, ngaphansi kwengxabano, noma alindele isixazululo somlawuli aboniswa njengale-"linde" esifinyezweni soMsebenzi ngaphakathi kohlelo. Amaholo alindile awasiwo okukhokhwayo okwamanje futhi awayona i-stored value. 6. Okungabambezela ukuhlanganiselwa Ukuhlanganiselwa kwengxenye yoMsebenzi ebhange loMsebenzi kungabambezeleka ngenxa ye: ingxabano evulekile ehlobene nebhukhingi; ukukhansela kweTier 5 (`EMPLOYER_AFTER_START`) okusabuyekezwa ngumlawuli; ukuqinisekiswa kwemininingwane yebhange okungaphelele noma okwehlulekile; ukuqinisekiswa kabusha kobunikazi okusahamba; i-akhawunti yoMsebenzi ekumisweni ngaphansi kwe-AUP, lapho i-subaccount yenziwa ingasebenzi; ukusolwa kokukhwabanisa, ukubhuntshisa imali, noma ukuhlolwa kwesankishini ngaphansi kwe-FICA; ingozi yokubuyiselwa kwenkokhelo evela ku-Paystack chargeback noma ekubuyiselweni ebhange kwe-capture yokuqala; ukungasebenzi kwe-Paystack; noma amarekhodi asadingeka ku-SARS, FICA, noma POPIA. Sitshela uMsebenzi ngaphakathi kohlelo ukuthi kungani ukuhlanganiselwa kubanjwe nokuthi yini edingekayo ukukhulula. 7. Indlela yokuhlanganiselwa Ingxenye yoMsebenzi ithathwe ("captured") e-subaccount yoMsebenzi ye-Paystack futhi ihlanganiswa yi-Paystack e-akhawuntini yebhange laseNingizimu Afrika eqinisekisiwe yoMsebenzi. Ukuhlanganiselwa kwenziwa kwi-ZAR kuphela. Lapho uMsebenzi enama-akhawunti ebhange langaphandle, ukuhlanganiselwa akusekelwe ku-MVP futhi uMsebenzi kufanele abhalisele i-akhawunti yaseNingizimu Afrika. I-Sizoro ayikhokhi ngemali, imali yeselula, i-cryptocurrency, noma noma yiyiphi enye indlela. 8. Ukuhlanganiselwa okwehlulekile Uma i-Paystack ihluleka ukuhlanganisa i-subaccount ebhange okuyiwa kulo ngoba ibhange linqabe i-akhawunti, i-akhawunti ivaliwe, noma ibhange libika udaba olungavamile, izimali zihlala ku-subaccount yoMsebenzi ye-Paystack futhi i-Sizoro icela uMsebenzi ukulungisa imininingwane yebhange. Lapho uMsebenzi esebuyekeze futhi waqinisekisa kabusha imininingwane yebhange, i-Paystack iphinde izame ukuhlanganisa kumjikelezo wayo olandelayo. I-Sizoro ayikhokhisi imali ehlukile yokuzama kabusha — imali yokusebenza eyejwayelekile ye-Paystack iyasebenza futhi iyadalulwa ngaphakathi kohlelo. 9. Izitatimende zamaholo Kunoma yiliphi ibhukhingi eliphelile, i-Sizoro yenza isitatimende samaholo e-PDF esidownlowdekayo esilista: inkomba yebhukhingi; inkomba ye-Paystack capture; inkomba ye-subaccount yoMsebenzi; ibhange, igatsha (lapho lifanele), nezinombolo ezi-4 zokugcina ze-akhawunti yokuya; usuku nenani lebhukhingi; inani lomsebenzi, ikhomishini yoMsebenzi engu-5%, nanoma yiliphi ithiphu; namasamba aphelele aphezulu onyaka kuze kube manje. Isitatimende sisekela isibuyiselo se-SARS soMsebenzi nesigaba sezimali. AbaSebenzi nabo bangaphumisa isitatimende esihlangene sesikhathi esikrinini samaholo ngaphakathi kohlelo. 10. Ukuphathwa kwentela Amaholo oMsebenzi akhokhelwa ngokuphelele ngaphambi kwentela kanoma yiyiphi yokungenisa kwa-Worker. I-Sizoro ayidonsi i-PAYE, UIF, SDL, noma COIDA emaholweni oMsebenzi (abasebenzi basebenzisa i-Sizoro njengabantu abazimele — bheka iMigomo yoMsebenzi umhlathi 1). UMsebenzi unesibopho sokumemezela amaholo ku-SARS nokuhlangabezana nanoma yisiphi isibopho se-VAT noma sentela yokungenisa. Lapho i-SARS idinga i-Sizoro ukukhipha i-IT3(b) noma ezinye izithombe ezifanayo zokubikwa kwe-third-party, i-Sizoro izokwenza futhi yazise uMsebenzi. 11. Ukulungisa nokubuyisa I-Sizoro ingalungisa, ku-Worker share captures alindelwe noma esikhathini esizayo, noma yiliphi inani uMsebenzi alikweleta kwa-Sizoro elesekelwe ubufakazi obucacile, obubhaliwe — isibonelo, ukulungiswa okuyalwe umlawuli ngaphansi kweNqubomgomo Yezingxabano, i-capture ephindwe kabili uMsebenzi ayitholile ngephutha, noma i-Paystack reversal ifakwe kulo Msebenzi. Ukulungisa kurekhodwa esitatimendeni samaholo sebhukhingi esilandelayo nencazelo ecacile. Ukulungisa akudluleli ngaphezu kwamanani ofakaziwe futhi akudondoloze e-akhawuntini yebhange loMsebenzi; kuyenzeka ngokwehlisa ingxenye yoMsebenzi ku-capture ezayo noma ngokulungisa okuqondile kwe-Paystack kwe-subaccount. 12. Ukuvalwa kwe-akhawunti UMsebenzi angavala i-akhawunti yakhe ye-Sizoro noma nini. Amaholo asevele anqotshelwe ("captured") e-subaccount yoMsebenzi ye-Paystack ahlala ekhokhelwa kuMsebenzi futhi i-Paystack izowahlanganisa kumjikelezo wayo ojwayelekile. Amabhukhingi avulekile avalwa ngaphansi kweNqubomgomo Yokukhansela Nokubuyiselwa Imali kanye neNqubomgomo Yezingxabano. Lapho i-akhawunti isivaliwe, i-Paystack subaccount yenziwa ingasebenzi ngakho akukho ma-capture aqhubekayo aphilelwa kuyo. Amarekhodi amaholo, ama-capture, ama-settlements, nezitatimende kugcinwa ngomhlathi 13. 13. Amarekhodi nokugcinwa Amarekhodi amaholo oMsebenzi — inkomba yebhukhingi, inkomba ye-Paystack capture, inkomba ye-Paystack subaccount nomugqa wokuhlolwa, inkomba ye-settlement, ukulungisa, isizathu sokubamba, ne-audit log — kugcinwa okungenani iminyaka eyisikhombisa (7) ukusekela i-SARS, FICA, ne-POPIA. 14. Indlela yoMsebenzi yokuphendula Uma uMsebenzi engavumelani nomphumela wamaholo, uMsebenzi kufanele akuthulule ku-Sizoro Support (bheka iNqubomgomo Yokwesekwa) futhi angadlulisela ngaphansi kweNqubomgomo Yezingxabano. Kwizikhalazo zokuvikela abathengi ezingaxazululekanga, i-National Consumer Tribunal ne-National Consumer Commission ziyatholakala. Izikhalazo zobumfihlo zingadlulwa ku-Information Regulator. 15. Izinguquko kule Nqubomgomo Yokukhokhelwa Singabuyekeza le Nqubomgomo Yokukhokhelwa. Izinguquko ezibalulekile zaziswa ngohlelo noma nge-imeyili izinsuku okungenani ezingu-14 ngaphambi kokuba ziqale ukusebenza. 16. Ukuthintana Ukwesekwa kwamaholo: support@sizoro.com. Ubumfihlo: support@sizoro.com.
