Kei te whakahihikohia te rāngai tikanga utu e te whakamahinga matihiko o ngā tauhokohoko hoko me te hoko, he āhuatanga e uaua haere ana, ahakoa he hihiri, he pumau tonu. E tohu ana tēnei tirohanga whānui i te tipu nui o te tauhokohoko, pērā i te hokohoko īpurangi, nā ngā huringa o ngā whanonga kaihoko me te ahurea hoko me te hoko i Brazil.
I te tau 2024, i pāngia tēnei wāhanga mākete e ngā āhuatanga e pā ana ki ngā wero o te oranga tonutanga me te whānui haere o ngā mahi, i runga i te maha o ngā kaiwhakataetae me te pikinga o ngā reiti haumitanga, me te whanaketanga hangarau nui nā ngā auahatanga me ngā au matihiko me ngā kōwhiringa e tukuna ana ki te kaihoko e pā ana ki ngā tauira utu hou.
Te tipu o te hokohoko ipurangi o Brazil
Hei wāhanga motuhake i roto i te mākete tikanga utu, he āhuatanga motuhake tō te hokohoko ipurangi e pā ana ki ngā kawenga i roto i ngā mahi e mahia ana e ia me ngā tauwhitinga e whai wāhi ana ia, inā koa ka tae mai ki ngā whakakorenga hoko me ngā whakahokinga utu. E tohu ana a Augustinho Mariano, te Kaiwhakahaere o HPay Meios de Pagamentos Ltda, i ngā āhuatanga nui o te whanaketanga o te hokohoko ipurangi, engari he āwangawanga anō hoki mō ngā utu e utua ana mō ngā tauwhitinga ipurangi. "I ēnei rā, ko te hunga e whai kawenga ana mō ngā tauwhitinga e mahia ana i roto i ngā pakihi ipurangi me āwangawanga ki ngā utu o ngā haumitanga ki te hanganga ture, te hangarau, me ngā taputapu, kia taea ai e rātou te whakaiti i ngā mōrearea e pā ana ki ngā whakakorenga hoko; heoi, ko te āwangawanga nui ko te mōhio me pēhea te whakataurite i te utu o ngā utu e utua ana ki te kiritaki whakamutunga, me te whakaiti i tētahi wāhanga o ēnei mōrearea. Ko te mea pono, he mea kore e taea te karo i ngā whakahokinga utu i roto i te mahi hokohoko ipurangi, mai i ngā take o te whakarērea o ngā tauwhitinga ki te tinihanga tūturu," te kī a te kaiwhakahaere.
E ai ki ngā rangahau i whakahaerehia e Google i te taha o Euromonitor, e matapaetia ana ka tipu te hokohoko ipurangi o Brazil mā te 42% i te tau 2025. E kī ana a Mariano, kia taea ai e ngā toa ipurangi te tiaki i a rātou anō mai i ngā mōrearea o te tinihanga i mua i tēnei tipu me te karo i ngā tautohe pea mō ngā kaihoko, me tautoko ngā kaihoko i te kitenga o ngā taputapu ārai-tinihanga hou. Me mahi tēnei haumitanga e ngā kaihoko me te whakarato ki ā rātou hoa mahi e hono tika ana ki ā rātou tūāpapa, ahakoa he kuwaha utu, he kaihokohoko rānei. "He mea tino nui ngā taputapu ārai-tinihanga, ā, he tata tonu ki te rite ki tētahi tauwhitinga kanohi ki te kanohi, pērā i te 3DS. Me tono ngā waitohu kāri katoa ki ngā kaihoko me ngā kaiwhakaputa kia haumi ki te 3DS me te whakarato ki te mākete me ngā tūāpapa hokohoko ipurangi. He tipu kore e taea te karo tēnei, me te rapu hoki i ētahi atu taputapu tiaki," te kī a te Kaiwhakahaere o HPay. Mō te 3DS, e kōrero ana te kaiwhakahaere mō te hiranga o te haumi ki tēnei kawa motuhēhēnga, e kapi ana i ngā wāhanga matua e toru i roto i te horopaki o ngā tikanga utu: te kaihoko, te kaiwhakaputa, ngā whatunga kāri, me ngā tikanga utu, hei whakahaere i te whakawhitiwhiti kōrero wā-tūturu, tae atu ki ngā raraunga mō te tauwhitinga, te tikanga utu, me te taputapu i whakamahia hei whakahaere i te hoko.
Ko wai rā te tangata e utu ana mō te tautohe i tētahi hoko?
Ko te tukanga whakahoki utu, tae atu ki te whakahokinga mai, ngā tono, te tutuki i ngā whakaritenga, me te tutuki i mua i ngā whakaritenga, he tukanga tawhito, nā te whanaketanga o ngā whanaungatanga hoko me te hoko. "Ina he hunga e tino hiahia ana ki te whakatau i te raruraru whakahoki utu i ngā taha e rua—arā, ko te kaipupuri kāri e hiahia ana ki te whakatau i te mamae o te hiahia ki te whakakore i tā rātou hoko me te whakaatu i te pono i roto i ā rātou mahi i tetahi taha, me te kawenga a te kaiwhakaputa ki te pātai i te kaihoko, me te hiahia o te kaihoko ki te whakapā atu ki te kaihokohoko i tetahi taha—ka hangaia he whatunga kaupapa tika hei āwhina i te kimi i te rōpū e whai kawenga ana mō te utu whakahoki utu," te kī a Mariano.
E whakapono ana te kaiwhakahaere matua me mahi tahi ngā wāhanga e rima o te tukanga whakakorenga hoko—te kaipupuri kāri, te kaiwhakaputa, te kaihoko, te kuwaha utu, me te kaihokohoko—ki te tautuhi i te rōpū e whai kawenga ana mō te whakahokinga utu. Heoi, ina he hapa i roto i tētahi o ēnei wāhanga, ko te kuwaha utu anake, he ratonga e hopu ana i ngā tauwhitinga kāri nama mō ngā tauwhitinga ipurangi, ka mutu ko te kawenga. "Ina mahi tika ngā wāhanga katoa, ka taea te kimi i te rōpū e whai kawenga ana mō te whakahokinga utu, ka uaua ake ina kitea e mātou he hapa i tētahi wāhi o tētahi o ngā wāhanga e rima," te whakamārama a te kaiwhakahaere matua.
Te whakahoki mai i te moni tautohenga mai i tētahi hoko kua whakakorehia hei karo i ngā utu tāpiri.
E ai ki a ABECS, te rōpū e tohu ana i ngā kamupene i roto i te rāngai utu hiko, e 120 miriona ngā utunga a ngā tāngata o Brazil i ia rā. I te haurua tuatahi o te tau 2024, neke atu i te 22 piriona ngā tauwhitinga i whakamahia e te kāri, koinei te tatauranga teitei rawa atu i tuhia mō te wāhanga ako. E whakaatu ana ēnei tatauranga i ngā mōrearea o ia rā e pā ana ki ngā kamupene, ahakoa te mākete e mahi ana rātou, pērā i ngā tautohe utu me ngā tono a ngā kaipupuri kāri ki te whakataetae i te moni i pau i ngā hoko e hiahia ana rātou ki te whakakore, e whakaatu ana me whakahaere ngā utu o ēnei mōrearea, ā, he uara hei whakahoki mai i aua whakakorenga. "Ka pā noa te utu tāpiri ki ngā tauwhitinga ina tino teitei te taumata whakahoki utu. I taua wā, ka tātarihia e ngā whatunga kāri te CNPJ (Brazilian tax ID) o te rōpū matua e whai kawenga ana mō te hopu i te tauwhitinga i te wāhi hoko, ahakoa he kuwaha utu, he kaihokohoko tika rānei me tā rātou ake mahi hokohoko ipurangi, ā, ka kitea kua neke atu i te 0.50% o te tapeke o ā rātou tauwhitinga ia marama i waenga i ngā rohe whakakorenga me te whakahoki utu," te whakamārama a te kaiwhakahaere. "Mō ngā whatunga kāri, ka tatauhia te whakakorenga me te whakahoki utu hei mahi kotahi, ka whakanoho i a rātou ki roto i te kāwai aromatawai kotahi. He maha ngā whakawhitiwhitinga i whakakorehia e te kaihokohoko kei roto hoki i te tukanga whakahoki utu nui rawa, e whakamahia ana e te whatunga kāri hei aroturuki i te kuwaha utu me te kaihokohoko tonu," tana kī.
I ia rā, he maha ngā tūponotanga e pā ana ki ngā kamupene e mahi ana i runga ipurangi, engari ko te mea pono, ka taea e ēnei tūponotanga te horapa atu i tua atu i te whakakorenga o te hoko. "Me tino mōhio te kaihokohoko ki te hua e hokona ana e rātou. Ka piki ake te maha o ngā tūponotanga tinihanga me te uara tāpiri o te hua. I ēnei rā, kua tukuna kētia e te peeke hoko te whai wāhitanga, i roto i te tukanga tautohe, ki te whakaatu tuhinga ki te kamupene hokohoko ipurangi, he mea kāore i taea e ngā pakihi i mua tata nei," te whakaae a Mariano. "I roto i te tukanga whakahoki moni, kua tino rite tēnei mahi ki ngā whakawhitiwhitinga kanohi ki te kanohi. Kia taea ai e te kaihokohoko te whakaiti i ngā mōrearea, me manatoko e rātou ngā raraunga a te kaihoko, me te mōhio ko te kaihoko tonu te kaihoko e hoko ana, me te tono i ngā mōhiohio katoa e taea ana, me te whakaute anō hoki i ngā Ture Tiaki Raraunga, hei tauira. Mai i te wā e whiriwhiri ai te kaihokohoko ki te mārama ki tā rātou hua, kaua hoki e aro noa ki ngā hua pūtea, ka tīmata rātou ki te waihanga i ngā paparanga uaua i mua i te tinihanga, me ngā rauemi e whakaatu ana ki te kaihoko i roto i tētahi tautohe pea ko te kaihoko te kaihoko i hoko, me te pupuri tonu i ētahi āhuatanga kia kore ai e ngaro he kaihoko tika. Mā tēnei, ka taea e rātou te whakaiti ake i ngā mōrearea ki tā rātou pakihi," te whakapumau a te Kaiwhakahaere Matua.
Te mātauranga mō ngā kaihokohoko me ngā whare arumoni: he mea nui mō te ahurea tikanga utu o Brazil.
E kī ana te kaiwhakahaere he mea tika kia whai ahurea mātauranga mō ngā mahi pai me whakatinana e ngā pakihi kia pai ai te hoko i ā rātou hua. "He kōrero tonu tāku mō ngā take e pā ana ki te ahurea tikanga utu. Ko te haumarutanga o ngā mahi i Brazil, kāore e kore, ko tētahi o ngā mea tino whai hua ina tae mai ki ngā pūnaha pūtea me ngā tikanga utu, ā, ki taku titiro, ko tētahi o ngā mea pai rawa atu o te ao. Ina kōrero ahau mō te pono, e kōrero ana ahau mō te whakatinana tika i ngā tauwhitinga hoko me te hoko. Kei te āwangawanga te rangatira pakihi mō tā rātou pakihi nā te mea me hoko, me hoko, me whai hua rātou—te whāinga matua—me te whakahaere anō hoki i tōna tipu. He maha ngā mōhiohio e whai ake nei i te rapunga mō tētahi ahurea haumarutanga i te wā e hoko ana. He maha ngā wā, he mea nui kia nui ake te whakawhirinaki o te kaihokohoko ki te kaiwhakahaere hoko e kawe mai ana i te hua tikanga utu ki a rātou," te kī a te Kaiwhakahaere o HPay, i a ia e kōrero ana mō te uauatanga ki te mārama ki te haumarutanga tikanga utu e pā ana ki ngā kaihokohoko puta noa i Brazil ina whakaaro ana ki te hoko i ā rātou hua mā te hokohoko ipurangi. "I runga i aku wheako tata ki te 30 tau i roto i te mākete tikanga utu, kua kite ahau neke atu i te 90% o ngā pakihi o Brazil, neke atu i te tau e mahi ana, kāore i te whai tikanga ki te whakataurite i ā rātou rihīti nā te mea kāore he wā mō rātou. I te mutunga o te rā, kua aro kē rātou ki te rā e whai ake nei, e mahi ana ki te whakatipu i tā rātou pakihi. Ina he tangata hei mahi i te whakataurite, ka mahia ā-ringa. He mea nui kia whakatipuhia he ahurea tikanga utu i roto i te pakihi e te hunga e kawe mai ana i te hua tikanga utu ki ō rātou tatau," te whakatau a te kaiwhakahaere.
Ko te whakahoki utu mai i ngā KSK Exceptions he kaupapa matua mō te whakahaere i ngā exceptions mamati.
He rerekē ki te whakahaere ā-ringa i ngā utu whakahoki me ngā whakakorenga hoko e tonoa ana e te kaipupuri kāri, e mahia ana i Brazil, ka tukuna e te hua KSK Exceptions Chargeback te whai wāhi ki te kaihoko ki te whakahaere i ēnei take ma te mamati me te ngāwari. "Ka taea e KSK Exceptions Chargeback te whakahaere i te 90 ki te 105 ngā take ia rā, me te whakahoki i te toharite o te 75% mā te whakahaere aunoa, nā te mea he hua pai te hanganga, te kaha, me te pono e taea ai te whakahaere i ngā utu whakahoki," te kī a Luciana Munhoz, te Tohunga Mahi i Kstack, he kamupene hou e tohunga ana ki te hua KSK Exceptions Chargeback, e whakarato ana i te whakahaere utu whakahoki mamati.
He rautaki pakihi pai te hua, ā, ka whakanuia te mahi a te tīma whakahaere, ka iti ake te pānga o te utu mā te mahi matihiko, te mahi pakari, me te mahi i ngā hoko ā-tinana me te ipurangi. Kei roto hoki ngā ture me ngā āhuatanga aunoa hei whakahaere i ngā whakahokinga utu, ahakoa te pikinga o ngā hoko.
