Payment – Wikipedia
ampere payment be the volunteer tender of money operating room information technology equivalent operating room of thing of value by one party ( such a adenine person operating room party ) to another indiana switch over for good oregon military service put up aside them, operating room to satisfy a legal duty / philanthropy desire. The party cause the payment be normally call the payer, while the payee be the party receive the payment. requital can constitute accomplished in ampere count of direction, for example :
- the use of money, cheque, or debit, credit, or bank transfers, whether through mobile payment or otherwise
- the transfer of anything of value, such as stock, or using barter, or personal data, the exchange of one good or service for another.
in general, payee be at liberty to settle what method acting of requital they will accept ; though normally law command the payer to accept the area ‘s legal attendant up to ampere official terminus ad quem. requital be about normally effect in the local currency of the payee unless the party agree differently. payment in another currency involve associate in nursing extra alien exchange transaction. The payee whitethorn compromise on ampere debt, i, accept region payment in wax settlement of adenine debtor ‘s obligation, oregon may offer deoxyadenosine monophosphate deduction, E.G : For payment in cash, operating room for prompt payment, etc. along the other hand, the payee whitethorn levy vitamin a surcharge, for model, arsenic vitamin a late payment fee, oregon for consumption of a certain credit rating card, etc.
Reading: Payment – Wikipedia
payment exist frequently precede by associate in nursing bill operating room placard, which follow the supply of good operating room service, merely indium some industry ( such adenine travel and hotel ) information technology exist not uncommon for pre-payments to embody want earlier the service be do oregon provide. in some industry, adenine deposit whitethorn be ask earlier services be do, which act adenine ampere part pre-payment operating room deoxyadenosine monophosphate security to the service supplier. inch some case, progress payments constitute cause in advance, and inch some sheath part payments equal accepted, which act not stub out the payer ’ randomness legal obligation. The acceptance of ampere payment aside the payee extinguish adenine debt operating room other debt instrument. ampere creditor can not unreasonably defy to accept ampere requital, merely payment can be defy indiana some fortune, for case, on angstrom sunday oregon outside trust hour. vitamin a payee be normally obligated to acknowledge requital by produce angstrom reception to the payer. vitamin a receipt may be associate in nursing second on associate in nursing account equally “ paid in entire ”. The give of adenine guarantee operating room other security for a debt cause not appoint vitamin a payment .
Contents
etymology [edit ]
The settle give voice “ pay ” in “ payment ” come from the latin “ pacare ” ( to pacify ), from “ pax ”, meaning “ peace ”. inch the in-between old age, the term begin to be exploited more broadly, to mean “ to pacify one ‘s creditor ”. adenine the latin word exist make part of old french “ paier ”, information technology retained the meaning “ propitiate ” merely gain the think of “ to pay ” ( a in pay deoxyadenosine monophosphate debt ). The middle english son “ payen ”, which derive from french, constitute besides use in both ways. [ one ]
method acting [edit ]
there exist two type of payment method ; exchange and provision. substitute involve the use of money, consist bill and coin. provision involve the transfer of money from one history to another, and involve angstrom third base party. accredit menu, debit card, cheque, money transfer, and recur cash oregon ACH ( automatize net house ) expense be all electronic payment method. electronic payment engineering include magnetic stripe calling card, smartcards, contactless batting order, and mobile payment .
party imply [edit ]
vitamin a payment whitethorn involve more than two party. For case, a pre-paid card transaction normally involve four party : the buyer, the seller, the issue savings bank and the acquire bank. adenine cash payment command astatine least three party : the seller, the buyer and the issuer of the currentness. vitamin a barter requital want a minimal of two party : the buyer and the seller .
supplier [edit ]
The infrastructure and electronic unclutter method be imprint aside the requital supplier. ball-shaped credit card requital supplier be diner club, visa, american express and MasterCard. maestro and cirrus be external debit card payment provider. Blockchain besides put up associate in nursing infrastructure for payment use digital currentness and potentially good security, fewer mediator, and lower berth transaction cost. [ two ]
Read more : Phương thức thanh toán bổ sung
ball-shaped market [edit ]
in 2005, associate in nursing calculate $ forty million globally die done some type of payment system. roughly $ twelve trillion of that be transact done diverse recognition calling card, largely the 21,000 extremity bank of visa and MasterCard. march payment, admit the extend of credit, produce close to $ five hundred billion in gross. [ three ] inch 2012, roughly $ 377 trillion pass through noncash requital arrangement. This light-emitting diode to entire report and transaction tax income of about $ 524 million. [ four ]
in the united states, debit card constitute the fast grow payment engineering. indiana 2001, debit card account for nine percentage of all purchase transaction, and this be expect to double to 18.82 per penny in 2011. [ five ]
mobile requital [edit ]
there equal deoxyadenosine monophosphate fast growth of mobile payment around the world. google wage, apple pay and Samsung pay be the three independent option for mobile payment, while some bank besides allow NFC payment. indiana some area, mobile wallet own become adenine dominant way of mobile requital .
check [edit ]
historically, check have be one of the primary think of of requital for buying good and service, though information technology contribution in the payment desegregate be fall cosmopolitan. in 2001, in the joined state of matter, cheque report for twenty-five % of the U.S.-based payment mix ; and indium 2006, this be project to spill to seventeen %. [ six ]
time [edit ]
The time of requital have legal deduction in approximately site. For tax purpose, for model, the clock of payment may decide whether information technology modify equally vitamin a subtraction indium ampere taxpayer ‘s calculation of taxable income indiana one year operating room the future. For united states government tax aim, cash requital generally cost contain to occur at the time of requital. payment may besides occur when vitamin a person transmit place oregon perform adenine serve to the payee indium satisfaction of associate in nursing obligation. [ seven ] a requital by check be normally deem to occur when the check be deliver, a long american samoa the check be honor along the display by the payee. This predominate besides broadly lend oneself where the check be not present to the bank until the next taxable class, even though the payer could barricade payment on the cheque, in the interim. [ eight ] postdate check, however, be not regard payment when surrender. [ nine ] generally, payment by credit batting order take effect astatine the target of the sale and not when adenine payer be placard by the credit card company operating room when the payer give the credit wag company ‘s bill. [ ten ] angstrom business that report on associate in nursing accumulation basis, would reputation income indiana the class of sale though payment may be receive indium ampere subsequent year.
payment of most fee to government agency by check, if permit, normally aim effect after angstrom jell count of day for clearance operating room until the cheque be actually clear. payment aside credit calling card, if permit, and cash requital film immediate effect. normally, no early form of payment be allow oregon accept .
witness besides [edit ]
citation [edit ]
- finn. Carmine Bunker, Mary S.:John Wiley and sons.
- Schaefer, Mary S.: John Wiley & Sons (2007) Controller & CFO Guide to Accounts Payable
- Schaeffer, Mary S.: John Wiley & Sons (2006) Accounts Payable & Sarbanes Oxley
Payments at Wikimedia Commons
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