Iyini inkokhelo yokuhwebelana?
Imali yokudlulisa iyigama elisetshenziswa embonini yamakhadi okukhokha ukuchaza imali ekhokhwa phakathi kwamabhange ngokwamukela ukuthengiselana okususelwa ekhadini. Ngokuvamile ngokuthengiselana / ukuthengiselana kwezinsizakalo kuyimali ekhokhwa yibhange lomthengisi ("ibhange elithengayo") ebhange lomthengi ("ibhange elikhiphayo").  Ekuthengiselaneni ngekhadi lesikweletu noma ikhadi lasebhange, ibhange elikhiphe ikhadi ekuthengiselaneni kokukhokha liyanciphisa imali ekhokhelwa ibhange elithengayo eliphatha ukuthengiselana ngekhadi lesikweletu noma ikhadi lasebhange kumthengisi. Ibhange elithengayo bese likhokhela umthengisi inani lokuthengiselana kususwe kokubili imali yokudlulisa kanye nemali eyengeziwe, ngokuvamile encane, yenkokhelo yebhange elithengayo noma inhlangano yokuthengisa ezimele (i-ISO), evame ukubizwa ngokuthi isilinganiso sesaphulelo, isilinganiso sokwengeza, noma i-passthru. Kodwa-ke, ngokukhishwa kwemali kuma-ATM, izinkokhelo zikhokhwa yibhange elikhipha ikhadi ebhange elithengayo (ngokunakekelwa komshini).