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Netur\u0117dami ap\u010diuopiam\u0173 derybini\u0173 svert\u0173 tariantis su bankais d\u0117l atsiskaitymo mok\u0117jimo kortel\u0117mis paslaug\u0173, smulkieji verslininkai yra priversti arba susitaikyti su dideliais operacij\u0173 \u012fkainiais ir m\u0117nesiniais administravimo mokes\u010diais, priversti arba apskritai atsisakyti priimti mok\u0117jimo korteles. Vis d\u0117lto, artimiausiu metu smulkieji verslininkai, norintys klientams pasi\u016blyti atsiskaitymo kortele b\u016bd\u0105, gali sulaukti ger\u0173 \u017eini\u0173 \u2013 palankesnes mok\u0117jimo korteli\u0173 pri\u0117mimo s\u0105lygas numato ES reglamentas.<\/p>\n
Nuo 2015 m. gruod\u017eio m\u0117n. Europos Parlamento ir Tarybos reglamentas nustato maksimal\u0173 tarpbankin\u012f mokest\u012f debeto ir kredito kortel\u0117mis, kuris negal\u0117s vir\u0161yti 0.2% ir 0.3% nuo pirkinio sumos. 2011 m. Lietuvoje atliktas Lietuvos banko tyrimas nustat\u0117, kad vidutinis tarpbankinis mokestis u\u017e operacij\u0105 debeto kortele siek\u0117 0.94%, kredito kortele \u2013 1.07%, o prekybininkai vidutini\u0161kai sumok\u0117jo 1.44% nuo operacijos vert\u0117s. Naujasis reglamentas numato galimyb\u0119 u\u017esienio operatoriams teikti paslaugas Lietuvoje ir taip didinti konkurencij\u0105 vietiniams tiek\u0117jams, bei pagerinti paslaugos s\u0105lygas smulkiam ir vidutiniam verslui. Lietuvos banko skai\u010diavimais, nustatytas maksimalus tarpbankinis mokestis pad\u0117s smulkiam ir vidutiniam verslui sutaupyti iki 18 mln. EUR.<\/p>\n
Atsiskaitymo mok\u0117jimo kortele paslaugos netur\u0117jimas smulkiajam verslui rei\u0161kia prarastas pardavimo pajamas i\u0161 t\u0173 klient\u0173, kurie pirkimo momentu neturi pakankamai gryn\u0173j\u0173 pinig\u0173. Ma\u017eiesiems prekybininkams taip pat nepalanku tai, kad bankai vis labiau skatina savo klientus naudotis mok\u0117jimo kortel\u0117mis si\u016blydami paslaug\u0173 planus ir taikydami mokes\u010dius u\u017e pinig\u0173 i\u0161gryninim\u0105. Lietuvoje yra daugiau nei 3.4 mln. mok\u0117jimo korteli\u0173 (3.0 mln. debetini\u0173 ir 0.4 mln. kreditini\u0173 korteli\u0173). Fiziniai asmenys turi 3.3 mln. mok\u0117jimo korteli\u0173, o juridiniai asmenys (t.y. verslas) \u2013 0.1 mln. korteli\u0173. Per 2015 m. I ketv. mok\u0117jimo korteli\u0173 apyvarta siek\u0117 999 mln. EUR, i\u0161 kuri\u0173 net 310 mln. EUR buvo panaudoti atsiskaitymams u\u017e pirkinius.<\/p>\n
Nepalanki bank\u0173 paslaug\u0173 kainodara verslui turi \u012ftakos tam, kad Lietuvoje atsiskaitymas mok\u0117jimo kortel\u0117mis dar n\u0117ra itin paplit\u0119s, palyginti su kitomis Europos \u0161alimis. Vidutinis operacij\u0173 skai\u010dius mok\u0117jimo kortele vienam gyventojui ES siekia 86, o Lietuvoje tik 52 operacijas (Latvijoje \u2013 75 operacijos, o Estijoje net 169 operacijos). Naujasis ES reglamentas pagerins smulkaus verslo galimybes \u012fsidiegti naujas atsiskaitymo priemones prekybos vietose, suma\u017eins s\u0105naudas ir leis pritraukti klient\u0173, norin\u010di\u0173 atsiskaityti mok\u0117jimo kortele.<\/p>\n
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Lietuvoje smulkus verslas vis dar vengia mok\u0117jimo korteli\u0173 ir klientams suteikia galimyb\u0119 atsiskaityti tik grynaisiais pinigais. Netur\u0117dami ap\u010diuopiam\u0173 derybini\u0173 svert\u0173 tariantis su bankais d\u0117l atsiskaitymo mok\u0117jimo kortel\u0117mis paslaug\u0173, smulkieji verslininkai yra priversti arba susitaikyti su dideliais operacij\u0173 \u012fkainiais ir m\u0117nesiniais administravimo mokes\u010diais, priversti arba apskritai atsisakyti priimti mok\u0117jimo korteles. Vis d\u0117lto, artimiausiu metu smulkieji verslininkai, […]<\/p>\n","protected":false},"author":1,"featured_media":21207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n
Advisory board<\/strong><\/p>\n\n\n\n Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n <\/p>\n","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[50,48],"yoast_head":"\n