H\u0259r birimizin bank kartlar\u0131 il\u0259 ba\u011fl\u0131 \u0259n sevdiyimiz \u00fcsul \u201ccard to card\u201d \u0259m\u0259liyyat\u0131d\u0131r. Plastik kart \u0259ld\u0259 etdikd\u0259, ilk maraqland\u0131\u011f\u0131m\u0131z n\u00fcans \u201ck\u0259\u015fbek\u201din miqdar\u0131 v\u0259 kartdan karta k\u00f6\u00e7\u00fcrm\u0259l\u0259r zaman\u0131 n\u0259 q\u0259d\u0259r pulun tutulmas\u0131d\u0131r. El\u0259 bu sevgimizi bil\u0259n banklar da daim bunlarla ba\u011fl\u0131 kampaniyalar edir, m\u00fc\u015ft\u0259ril\u0259rini bu \u00fcsulla c\u0259lb edirl\u0259r. T\u0259sad\u00fcfi deyil ki, Ven\u00e7ur fondunun r\u0259hb\u0259ri M\u0259mm\u0259d K\u0259rim d\u0259 \u201ccard to card\u201d \u0259m\u0259liyyatlar\u0131n\u0131n Az\u0259rbaycanda fenomen\u0259 \u00e7evrildiyini bildirib. \u015eirk\u0259t r\u0259smisinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u00f6lk\u0259mizd\u0259 bu \u0259m\u0259liyyatlar\u0131n h\u0259cmi milyardlara b\u0259rab\u0259rdir. Maraql\u0131d\u0131r, n\u0259 \u00fc\u00e7\u00fcn bu \u0259m\u0259liyyatlar \u00f6lk\u0259d\u0259 fenomen\u0259 \u00e7evrilib? \u018fhali \u201ccard to card\u201d \u0259m\u0259liyyat\u0131ndan daha \u00e7ox harada istifad\u0259 edir?<\/p>\n
<\/p>\n
\u201cCard to card\u201d \u0259m\u0259liyyatlar\u0131ndan istifad\u0259 normadan art\u0131qd\u0131r\u201d<\/strong><\/p>\n \u0130qtisad\u00e7\u0131 P\u00fcnhan Musayev \u201cKaspi\u201d q\u0259zetin\u0259 a\u00e7\u0131qlamas\u0131nda bildirdi ki, \u0259halinin bank kartlar\u0131na mara\u011f\u0131 artan s\u00fcr\u0259tl\u0259 davam edir. \u0130stifad\u0259\u00e7i say\u0131 \u00e7oxdur v\u0259 onlar da \u0259n minimal \u00f6d\u0259ni\u015fl\u0259rini bel\u0259, kart vasit\u0259sil\u0259 edirl\u0259r: \u201c\u018fvv\u0259lki ill\u0259r\u0259 nisb\u0259t\u0259n kart \u0259m\u0259liyyatlar\u0131, insanlar\u0131n kart sistemin\u0259 yax\u0131nl\u0131\u011f\u0131 art\u0131b. \u201cCard to card\u201d \u0259m\u0259liyyatlar\u0131ndan istifad\u0259 normadan art\u0131qd\u0131r. S\u0259b\u0259bl\u0259ri m\u00fcxt\u0259lif ola bil\u0259r. M\u0259s\u0259l\u0259n, ehtimallardan biri odur ki, restoran, kafe v\u0259 ya ma\u011fazada pos-terminal olmad\u0131qda, \u00f6d\u0259ni\u015fi kartdan karta k\u00f6\u00e7\u00fcrm\u0259 vasit\u0259sil\u0259 edirik\u201d.<\/p>\n T\u0259l\u0259b\u0259l\u0259r\u0259 pul \u0259vv\u0259l po\u00e7tla g\u00f6nd\u0259rilirdi, indi is\u0259…<\/strong><\/p>\n M\u00fct\u0259x\u0259ssis deyir ki, \u201ccard to card\u201d \u0259m\u0259liyyatlar\u0131 valideyn v\u0259 t\u0259l\u0259b\u0259l\u0259r aras\u0131nda da \u00e7ox istifad\u0259 olunur: \u201c\u0130kinci s\u0259b\u0259b \u0259ks\u0259r ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rinin Bak\u0131da yerl\u0259\u015fm\u0259si v\u0259 burada regiondan g\u0259l\u0259n minl\u0259rl\u0259 t\u0259l\u0259b\u0259 kontingentinin t\u0259hsil almas\u0131 il\u0259 izah oluna bil\u0259r. Hans\u0131 ki, \u0259vv\u0259ll\u0259r valideynl\u0259r \u00f6vladlar\u0131na ay \u0259rzind\u0259 g\u00f6nd\u0259rdikl\u0259ri pulu po\u00e7tla \u00e7atd\u0131r\u0131rd\u0131larsa, haz\u0131rda bu, \u201ccard to card\u201d yolu il\u0259 h\u0259yata ke\u00e7irilir\u201d.<\/p>\n Borclar v\u0259 nisy\u0259l\u0259r kartla \u00f6d\u0259nir?<\/strong><\/p>\n \u00dc\u00e7\u00fcnc\u00fc s\u0259b\u0259b is\u0259 \u0259halinin borclanmas\u0131 v\u0259 paytaxtla region aras\u0131ndak\u0131 disbalansla ba\u011fl\u0131 ola bil\u0259r. H\u0259ms\u00f6hb\u0259timiz qeyd edir ki, na\u011fd v\u0259saitl\u0259rd\u0259n nec\u0259 istifad\u0259 edilirdis\u0259, indi \u201ccard to card\u201d onu \u0259v\u0259zl\u0259yir. \u00dcst\u0259lik, b\u0259zi kartlarda he\u00e7 bir faiz tutulmamas\u0131 insanlar\u0131n i\u015fini daha da rahatla\u015fd\u0131r\u0131r: \u201cRegionlarda \u0259halinin g\u0259lirliliyi arzuolunan s\u0259viyy\u0259d\u0259 deyil. B\u0259z\u0259n borc pul al\u0131r, b\u0259z\u0259n d\u0259 nisy\u0259 mal alma\u011fa \u00fcst\u00fcnl\u00fck verirl\u0259r. Nisy\u0259 \u00f6d\u0259ni\u015fl\u0259r \u0259ks\u0259r vaxtlarda kartdan karta k\u00f6\u00e7\u00fcr\u00fclm\u0259l\u0259rl\u0259 \u00f6d\u0259nir. Yaxud kimins\u0259 kim\u0259s\u0259 borcu varsa, borcunu g\u00f6r\u00fc\u015f\u00fcb vermir, kart\u0131na g\u00f6nd\u0259rir. Bundan \u0259lav\u0259, region sakinl\u0259rinin paytaxtdan ald\u0131qlar\u0131 xidm\u0259tl\u0259r d\u0259 var. M\u0259s\u0259l\u0259n, pandemiyadan sonra onlayn kurslar kifay\u0259t q\u0259d\u0259r m\u0259\u015fhurla\u015f\u0131b. T\u0259bii ki, onlar\u0131n da \u00f6d\u0259ni\u015fl\u0259ri \u201ccard to card\u201d il\u0259 edil\u0259 bil\u0259r. Bu da \u0259m\u0259liyyatlar \u00fczr\u0259 h\u0259cmin artmas\u0131na g\u0259tirib \u00e7\u0131xaran faktorlardand\u0131r\u201d.<\/p>\n \u201c\u00d6d\u0259ni\u015fi karta g\u00f6nd\u0259r\u0259 bil\u0259rsiniz?\u201d<\/strong><\/p>\n Maraql\u0131d\u0131r, \u201ccard to card\u201d \u0259m\u0259liyyatlar\u0131n\u0131n m\u0259\u015fhurla\u015fmas\u0131 vergid\u0259n yay\u0131nma hallar\u0131n\u0131 stimulla\u015fd\u0131r\u0131rm\u0131? M\u0259lumdur ki, h\u00f6kum\u0259t son zamanlar k\u00f6lg\u0259 iqtisadiyyat\u0131n\u0131n aradan qald\u0131r\u0131l\u0131b minimuma endirilm\u0259si, d\u00f6vriyy\u0259nin \u201ca\u011fard\u0131lmas\u0131\u201d \u00fc\u00e7\u00fcn ciddi siyas\u0259t apar\u0131r. Bunun \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif \u00fcsullardan istifad\u0259 edilir. Qanunvericilik bazas\u0131 t\u0259kmill\u0259\u015fdirilir, layih\u0259l\u0259r, t\u0259dbirl\u0259r h\u0259yata ke\u00e7irilir, s\u0259rt qanunlar q\u0259bul edilir. Yaxud vergi \u00f6d\u0259yicil\u0259rin\u0259 na\u011fds\u0131z d\u00f6vriyy\u0259l\u0259r n\u0259 q\u0259d\u0259r \u00e7ox olarsa, o q\u0259d\u0259r vergi g\u00fcz\u0259\u015ftl\u0259ri edilir. H\u0259m\u00e7inin \u201c\u018fDV geri al\u201d kimi layih\u0259l\u0259rl\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r stimulla\u015fd\u0131r\u0131l\u0131r. N\u0259tic\u0259d\u0259 \u00f6lk\u0259d\u0259 \u0259m\u0259liyyatlar\u0131n \u0259ks\u0259riyy\u0259ti plastik kartlarla edilir, na\u011fd puldan istifad\u0259 getdikc\u0259 azal\u0131r.<\/p>\n Bu t\u0259l\u0259b qanunvericiliy\u0259 ziddir<\/strong><\/p>\n Vergi m\u00fct\u0259x\u0259ssisi Anar Bayramov deyir ki, apar\u0131lan \u201ca\u011fartma\u201d siyas\u0259tinin n\u0259tic\u0259sind\u0259 b\u0259zi sahibkarlar vergid\u0259n yay\u0131nmaq \u00fc\u00e7\u00fcn alternativ yollara \u0259l at\u0131rlar. Post-terminallar\u0131n \u00e7al\u0131\u015fmamas\u0131 \u0259sas istiqam\u0259tdir. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, ictimai ia\u015f\u0259 obyektl\u0259rind\u0259, ma\u011fazalarda \u00f6d\u0259ni\u015fin post-terminalla deyil, kartdan karta k\u00f6\u00e7\u00fcr\u00fclm\u0259 vasit\u0259sil\u0259 t\u0259l\u0259b edilm\u0259si qanunvericiliy\u0259 ziddir: \u201cSon zamanlar ictimai-ia\u015f\u0259, xidm\u0259t, h\u0259tta ticar\u0259t sah\u0259sind\u0259 bel\u0259, post-terminalla \u00f6d\u0259ni\u015f etm\u0259k ist\u0259diyinizi qeyd etdikd\u0259, siz\u0259 onun xarab olmas\u0131 bar\u0259d\u0259 m\u0259lumat verilir. D\u0259rhal \u201c\u00f6d\u0259ni\u015fi karta g\u00f6nd\u0259r\u0259 bil\u0259rsiniz\u201d, – dey\u0259 \u00e7\u0131x\u0131\u015f yolu t\u0259klif edilir. Halbuki post-terminal nasaz olduqda bel\u0259, d\u0259rhal nasazl\u0131\u011f\u0131n aradan qald\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn add\u0131mlar at\u0131lmal\u0131d\u0131r. Qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulub ki, vergi \u00f6d\u0259yicisi \u0259halid\u0259n \u00f6d\u0259ni\u015f q\u0259bul ed\u0259rk\u0259n kassa \u00e7eki, q\u0259bz t\u0259qdim etm\u0259lidir. Olmad\u0131\u011f\u0131 t\u0259qdird\u0259 onu c\u0259rim\u0259, maliyy\u0259 sanksiyas\u0131 g\u00f6zl\u0259yir\u201d.<\/p>\n \u201cCard to card\u201d \u0259m\u0259liyyat\u0131nda vergid\u0259n yay\u0131nma<\/strong><\/p>\n Burada sual oluna bil\u0259r ki, ax\u0131 kartdan karta \u0259m\u0259liyyat ed\u0259rk\u0259n q\u0259bz t\u0259qdim olunur. B\u0259s bu zaman vergi \u00f6d\u0259yicisi vergid\u0259n nec\u0259 yay\u0131n\u0131r?<\/p>\n M\u00fct\u0259x\u0259ssis bildirir ki, \u0259g\u0259r b\u00fct\u00fcn \u00f6d\u0259ni\u015fl\u0259r post-terminal vasit\u0259sil\u0259 olarsa, vergi \u00f6d\u0259yicil\u0259rinin real d\u00f6vriyy\u0259l\u0259ri \u0259ks olunur. H\u0259tta na\u011fd \u00f6d\u0259ni\u015fd\u0259 bel\u0259, \u0259g\u0259r kassa \u00e7eki t\u0259qdim olunursa, problem yaranmamal\u0131d\u0131r: \u201cLakin t\u0259cr\u00fcb\u0259d\u0259 var ki, vergi \u00f6d\u0259yicil\u0259ri kassalar\u0131n yadda\u015f\u0131n\u0131 silir, kassa \u00e7ekl\u0259rini l\u0259\u011fv edir v\u0259 d\u00f6vriyy\u0259ni gizl\u0259dirl\u0259r. Amma post-terminalla \u00f6d\u0259ni\u015f etdikd\u0259, onlar h\u0259min sat\u0131\u015f m\u0259lumat\u0131n\u0131 yadda\u015fdan sil\u0259 bilmirl\u0259r. \u00c7\u00fcnki pul art\u0131q sat\u0131c\u0131n\u0131n bank hesab\u0131na oturur. H\u0259tta bu g\u00fcn h\u0259min d\u00f6vriyy\u0259ni gizl\u0259ts\u0259, kassa \u00e7ekini l\u0259\u011fv ets\u0259 bel\u0259, vergi orqan\u0131 t\u0259r\u0259find\u0259n apar\u0131lan yoxlamalar zaman\u0131 h\u0259min bank m\u0259lumatlar\u0131 \u0259ld\u0259 edilir v\u0259 real d\u00f6vriyy\u0259 d\u0259qiql\u0259\u015fdirilir. \u201cCard to card\u201d \u0259m\u0259liyyat\u0131nda q\u0259bz t\u0259qdim edils\u0259 bel\u0259, bu, na\u011fd \u00f6d\u0259ni\u015f kimi say\u0131l\u0131r\u201d.<\/p>\n \u201cAl\u0131c\u0131 pulu \u00f6d\u0259yir, sat\u0131c\u0131 is\u0259 deyir ki, pul \u00e7atmay\u0131b\u201d<\/strong><\/p>\n H\u0259ms\u00f6hb\u0259timizin fikrinc\u0259, \u201ccard to card\u201d \u0259m\u0259liyyatlar\u0131nda v\u0259t\u0259nda\u015f \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 qala bil\u0259r: \u201cRestoranlarda, yaxud ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 bu \u00f6d\u0259ni\u015f n\u00f6v\u00fcn\u00fcn f\u0259sadlar\u0131 il\u0259 tez-tez rastla\u015f\u0131r\u0131q. M\u0259s\u0259l\u0259n, al\u0131c\u0131, yaxud istifad\u0259\u00e7i kartdan karta k\u00f6\u00e7\u00fcrm\u0259 etdikd\u0259, pul onun hesab\u0131ndan \u00e7\u0131x\u0131r, lakin bir \u00e7ox hallarda sat\u0131c\u0131n\u0131n hesab\u0131na k\u00f6\u00e7m\u00fcr. Burada texniki s\u0259b\u0259b d\u0259 ola bil\u0259r. Yaxud r\u0259q\u0259mi s\u0259hv yazanda ba\u015fqas\u0131n\u0131n hesab\u0131na da otura bil\u0259r. Bu zaman ciddi probleml\u0259r yaran\u0131r. Al\u0131c\u0131 pulu \u00f6d\u0259yir, sat\u0131c\u0131 is\u0259 deyir ki, pul \u00e7atmay\u0131b\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":" Son zamanlar ictimai ia\u015f\u0259 obyektl\u0259rind\u0259, ma\u011fazalarda \u00f6d\u0259ni\u015fin post-terminalla deyil, kartdan karta k\u00f6\u00e7\u00fcr\u00fclm\u0259 vasit\u0259sil\u0259 t\u0259l\u0259b edilm\u0259si hallar\u0131 il\u0259 rastla\u015f\u0131r\u0131q. M\u00fct\u0259x\u0259ssisl\u0259r bu t\u0259l\u0259bin qanunvericiliy\u0259 zidd oldu\u011funu bildirirl\u0259r. M\u00f6vzuyla ba\u011fl\u0131\u00a0\u201cKaspi\u201d\u00a0q\u0259zetinin m\u0259qal\u0259sini t\u0259qdim edirik. H\u0259r birimizin bank kartlar\u0131 il\u0259 ba\u011fl\u0131 \u0259n sevdiyimiz \u00fcsul \u201ccard to card\u201d \u0259m\u0259liyyat\u0131d\u0131r. Plastik kart \u0259ld\u0259 etdikd\u0259, ilk maraqland\u0131\u011f\u0131m\u0131z n\u00fcans \u201ck\u0259\u015fbek\u201din miqdar\u0131 v\u0259 kartdan karta k\u00f6\u00e7\u00fcrm\u0259l\u0259r zaman\u0131 n\u0259 q\u0259d\u0259r pulun tutulmas\u0131d\u0131r. El\u0259 bu sevgimizi bil\u0259n banklar da daim bunlarla ba\u011fl\u0131 kampaniyalar edir, m\u00fc\u015ft\u0259ril\u0259rini bu \u00fcsulla c\u0259lb edirl\u0259r. T\u0259sad\u00fcfi deyil ki, Ven\u00e7ur fondunun r\u0259hb\u0259ri M\u0259mm\u0259d K\u0259rim d\u0259 \u201ccard to card\u201d \u0259m\u0259liyyatlar\u0131n\u0131n…<\/p>\n","protected":false},"author":2,"featured_media":653129,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/11\/h.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Son zamanlar ictimai ia\u015f\u0259 obyektl\u0259rind\u0259, ma\u011fazalarda \u00f6d\u0259ni\u015fin post-terminalla deyil, kartdan karta k\u00f6\u00e7\u00fcr\u00fclm\u0259 vasit\u0259sil\u0259 t\u0259l\u0259b edilm\u0259si hallar\u0131 il\u0259 rastla\u015f\u0131r\u0131q. M\u00fct\u0259x\u0259ssisl\u0259r bu t\u0259l\u0259bin qanunvericiliy\u0259 zidd oldu\u011funu bildirirl\u0259r. M\u00f6vzuyla ba\u011fl\u0131\u00a0\u201cKaspi\u201d\u00a0q\u0259zetinin m\u0259qal\u0259sini t\u0259qdim edirik. H\u0259r birimizin bank kartlar\u0131 il\u0259 ba\u011fl\u0131 \u0259n sevdiyimiz \u00fcsul \u201ccard to card\u201d \u0259m\u0259liyyat\u0131d\u0131r. Plastik kart \u0259ld\u0259 etdikd\u0259, ilk maraqland\u0131\u011f\u0131m\u0131z n\u00fcans \u201ck\u0259\u015fbek\u201din miqdar\u0131 v\u0259 kartdan karta…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/653126"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=653126"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/653126\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/653129"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=653126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=653126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=653126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n