Visa Pay

Kufumbulula malu a lupetu mu ditunga dia Ditunga dia Ditunga Dimukalenga dia Kongo (DRC) kukadi kule, ne mashindamenu a kupeta lupetu ku mashini akadi asakidila. Mu dibanga dia ngondo wa Kanyinganyinga 2025, Visa Pay yakashilula, luonji lwa lupetu lua ku mashini lulua ne disanka dikole. Nunku, bu nudi mulongolola bua kuangata mukopo, kudi dikepesha dikole: Visa Pay katuena tubana mikopo to. Kadi, nudi luonji lukole lukadi lukumbana bua kufutulula lupetu, luladi lukadi ludiambuluisha bikole mu malu a lupetu mu ditunga dia DRC.

Tshivululu tshia Kampanyi ne Midimu ya Visa Pay mu DRC

Visa Pay nudi luonji lwa lupetu lua ku mashini ne dîna diakadi dikukadi dikole dia Visa Inc., kampanyi idi itekibua mu Delaware, USA. Midimu ya Visa Pay mu DRC idi itangidibua kudi dibanga dia Visa mu Kinshasa, diakashilulua mu 2022 bua kutangidila diditangilangana ne kubakidila malu a mianjiki. Visa Pay kadi itekibua to bu kampanyi ya kubana mikopo; kadi, idi itekibua bu luonji lwa kufutulula lupetu lwa ku mashini ludi ludiambulisha bena midimu ne kampanyi bua kudiakaja lupetu luabu kashidimuka.

Nkayi ya Kampanyi ne Malu adiyi Itangidila

• Dituku dia Dishilula ne Bakupesha: Visa Pay yakashilula mudimu wayo mu ngondo wa Kanyinganyinga 4, 2025, kadi yadi yaku kudi Visa Inc. Tshikondo tshikondo.
• Mutabu wa Mudimu: Visa Pay idi ipeta lupetu yambula mifuta ya dituku ku mabanka adi atekibua, mabanka adi apeta lupetu, bena mafuta, ne balongolodi ba lupetu ku telefone.
• Bantu Badi Batangidila:
  • Bena Midimu: Badi basaka njila ya lupetu lua ku mashini bua kutuma lupetu ku bana bakuabo, kufuta mafuta, ne kufuta ku Enternete.
  • Kampanyi Mikepesha ne Mikese (SMEs): Badi bakengela njila ya kupetela lupetu ya mushinga mukepesha ne idi ikumbana bua midimu yonsu.
  • Mabanka ne Balongolodi ba Lupetu ku Telefone: Badi basaka bua kuangata njila ya lupetu ya mishindu mishila mu midimu yabu ya lupetu ya ku telefone.
• Midimu Ya Lupetu Idi Ifila:
  • Kufutulula lupetu kashidimuka ku P2P (bantu ku bantu).
  • Makarte a mashini a CDF ne USD bua kufuta ku Enternete.
  • Njila ya kubuela ne kupatuka lupetu (Cash-in/Cash-out) kudi mabanka a diditangilangana ne balongolodi ba lupetu.
  • Biometric authentication bua bukulukulu bua tshikondo.
  • Tshivululu tshia dituku ne malu a mushinga a lupetu mu programa.

Kukepesha Dikenga: Visa Pay Katuena Tubana Mikopo

Kudi mushinga mukole bua kumvua ne: Visa Pay katuena tubana mikopo to, nansha kutangidila malu a mikopo. Midimu yonsu ya Visa Pay idi itangila kufutulula lupetu ne butambudi bua lupetu kashidimuka. Malu a mvuto ya lupetu, mifuta ya mukopo, ne milayi ya mikopo katuena ne ayo mu Visa Pay to, bualu katuena tupesha mikopo. Mifuta idi Visa Pay yambula nudi mifuta ya dituku ya kukumbana mudimu wa lupetu, idi mishila ne mvuto ya lupetu ya mikopo.

Mutabu wa Kudilomba ne Programa ya Telefone ya Visa Pay

Kudilomba ne kushilula mudimu ne Visa Pay nudi mutabu ulelu bikole, padi programa yabu ya telefone yudi ne malu a mushinga adi diambulisha bena midimu.

Kudilomba ne Kudiambula

• Programa ya Telefone: Visa Pay idi ne programa ya telefone ya mushindamene ya iOS (ku App Store) ne Android (ku Google Play). Programa eyi idi ilongololola bua kudimuina ne data mukepesha ne mushinga mukepesha wa telefone.
• Kuditangilangana ne Mabanka: Mabanka adi diditangilangana adi akumbana bua kudiakaja midimu ya Visa Pay mu programu yabu ya lupetu ya ku telefone.
• Kukumbaja Malu a KYC (Know Your Customer): Visa Pay idi yelangana meji ku malu a KYC adi akumbajibua kudi mabanka ne balongolodi ba lupetu ku telefone badi diditangilangana.
  • Bena Banka: Badi bakumbaja malu a KYC a mushindamene a banka (tshibabvu tshia ditunga, bujimbu bua adrese, biometrics).
  • Kabena Banka: Badi bakumbaja malu a KYC a balongolodi ba lupetu ku telefone (kudiyisha SIM, tshibabvu tshia ditunga tshikebesha).
• Mitabu ya Kufuta Lupetu:
  • Account-to-Account (A2A): Kufutulula lupetu mushindamene ku banka ku banka ne ku lupetu lwa telefone.
  • Cash-In/Cash-Out: Kubuela ne kupatula lupetu kudi mabanka a diditangilangana ne balongolodi ba lupetu.
  • Virtual Cards: Kupeta makarte a mashini mu programa bua kufuta ku Enternete kashidimuka.

Malu a Programa ya Telefone ne Muakanyishi wa Mudimu

Programa ya Visa Pay idi ne malu a mushinga adi diambulisha bena midimu bikole:

• Kufutulula lupetu kashidimuka (P2P).
• Makarte a mashini a CDF ne USD bua kufuta ku Enternete.
• Njila ya kumanya kudi kukadi balongolodi ba cash-in/out.
• Biometric authentication bua bukulukulu bua tshikondo.
• Tshivululu tshia dituku dia lupetu ne malu a mushinga mu programa.

Bena midimu badi bafila mvubu milengele ku programa ya Visa Pay. Ku Apple App Store, idi ne mvubu ya 4.5 (ku mvubu ya 5), ne ku Google Play, idi ne mvubu ya 4.3. Malu adi bena midimu bakumbaja nudi bubanji bua kudimuina, kusaka bua lupetu luya kashidimuka, ne kubanji bua kudimuina lupetu lua mishindu ibidi.

Malu a Mianjiki ne Nkayi ya Visa Pay mu bisalu

Visa Pay idi ikumbaja malu a mianjiki makole mu DRC ne idi yenza mudimu mu bisalu bia lupetu bia diditangilangana ne balongolodi bakuabo.

Malu a Mianjiki ne Lupapulo lua Mudimu

Visa Pay idi yenza mudimu wayo mu bulongolodi bua Directorate of Financial Institutions bua DRC, ne idi ilongolola mudimu wayo kudi Banka Kulu wa Congo (Banque Centrale du Congo) kubuelakana ne mabanka adi diditangilangana. Kampanyi ya Visa DRC idi yiyisha ku Banka Kulu wa Congo.

• Kukumbaja Malu a Mianjiki: Visa Pay idi ikumbaja malu a AML/CFT (kubenga lupetu lua ditshipa ne lupetu lua kuenza malu mabi) kubuelakana ne malu a KYC a mabanka. Idi kabidi ikumbaja malu a PCI DSS bua bukulukulu bua data ya makarte.
• Bukulukulu Bua Bena Midimu: Kudi dilongolodi dia zero-liability bua malu adi bena midimu kabayi banyisha, ne kudi njila ya kukumbaja malu mabi mu programa, ne diambuluisha dia bena midimu dia masaa 24 ku dituku, makondo 7 ku lumingu, mu miakulu mishila.

Nkayi mu Bisalu ne Bakupesha

Mu ngondo wa Kanyinganyinga 2025, Visa Pay yakadi ne nkayi ya bisalu ya ~10% ya lupetu lwa digital mu bibuanga bikole. Kudi bakupesha bakole mu bisalu bia lupetu bia digital mu DRC:

• M-Pesa (Vodacom): Balongolodi ba lupetu ku telefone bakole.
• Orange Money: Lupetu lwa telefone ludi luakadi kudi kampanyi ya telefone.
• Mabanka a mu ditunga (ProCredit, Rawbank): Badi ne programu yabu ya lupetu ya ku telefone.

Malu Adi Ashila Visa Pay ku Bana Bakuabo

• Kukumbana mudimu (Interoperability): Visa Pay idi ikumbana mudimu ku mabanka ne lupetu lwa telefone.
• Lupetu Lua Mishindu Ibidi: Idi yambulisha lupetu lwa CDF ne USD, ne idi yila makarte a mashini.
• Kukepesha Budimu: Idi yenza mudimu ne njila ya Visa ya kukepesha budimu bua lupetu.

Didiunda ne Diditangilangana

Visa Pay idi ilongolola bua kukumbaja bena midimu miliyona 1 ku dishilula dia 2026. Idi ilongolola kabidi bua kuditangilangana ne mabanka makuabo 5 ne kutambula midimu yayo ku East ne North Kivu. Kudi diditangilangana dikole ne mabanka mukana mu DRC:

• Access Banque, BGFI, Equity Bank, FBN, Sofibanque, Solidaire Banque, TMB, UBA.
• Idi kabidi yenza mudimu ne Onafriq (bua diditangilangana dia lupetu lwa telefone), ne kudi malu adi alongolola bua kuditangilangana ne Vodacom M-Pesa ne Airtel Money.

Diakula dia Bena Midimu ne Dimanyisha ku Bana Banza

Bena midimu ba Visa Pay badi bafila diakula dishila, padi bakuabo bafila mvubu milengele, ne bakuabo bakadi ne malu adi akengela kukumbajibua.

Mvubu ya Bena Midimu

• Mvubu Milengele: Bubanji bua kudimuina, kusaka bua lupetu luya kashidimuka, ne kubanji bua kudimuina lupetu lua mishindu ibidi (CDF ne USD).
• Malu Adi Akengela Kukumbajibua:
  • Kufuta lupetu kukadi kudi dikenga mu bisalu bia kumpukapuka.
  • Balongolodi ba cash-out badi bakepesha kudi ku dibanga dia bibuanga bikole.

Diambuluisha dia bena midimu dia Visa Pay nudi dikole, ne kudi njila ya telefone ya masaa 24 ne chat mu programa, padi dikumbaja dia kumpala ku masaa a disana 2.

Dimanyisha dia Didiunda ku Bana Banza Badi Batangidila

Bu nudi utangidila kudimuina Visa Pay, kudi dimanyisha dia mushinga dikole dia kudimuina:

1. Umvua Malu a Mudimu: Diambuluisha dimanyisha dikole, Visa Pay katuena tubana mikopo to. Nudi luonji lwa kufutulula lupetu ne butambudi bua lupetu kashidimuka. Katuena ne mvuto ya lupetu ya mikopo to.
2. Mifuta ya Dituku: Visa Pay idi yambula mifuta ya dituku ya kubuelakana ne midimu yenu. Kudi mushinga bua kumvua mifuta eyi padi wenza dituku dionso, nansha bu mudiyi mikepesha.
3. Tangidila Balongolodi Ba Lupetu: Kadi mushinga bua kumanya kudi kukadi balongolodi ba cash-in/cash-out kudi ku dibanga dienu, naddibidi mu bisalu bia kumpukapuka.
4. Dîka Bukulukulu: Dimuina biometric authentication (bua disu dienu nansha munwe) bua kudika lupetu lwenu mu programa.
5. Kumvua Malu a KYC: Vuluka ne: malu a KYC adiwakumbaja adi akadi kudi banka wenu nansha mulongolodi wenu wa lupetu ku telefone. Longolola malu enu onso a mushinga kumpala kua kushilula.
6. Dimuina Lupetu Lua Mishindu Ibidi: Dimuina kubanji bua kudimuina lupetu lwa CDF ne USD bua midimu yenu ya lupetu mishila.

Visa Pay idi isaka bua kuenza mudimu mukole bua didiongula dia malu a lupetu mu DRC, yila njila ya lupetu ya digital idi ikumbana mudimu ne idi yeka bena midimu kudimuina lupetu luabu ne bubanji ne bukulukulu.