{"id":794440,"date":"2025-03-18T08:27:04","date_gmt":"2025-03-18T04:27:04","guid":{"rendered":"https:\/\/arantv.az\/?p=794440"},"modified":"2025-03-18T08:27:04","modified_gmt":"2025-03-18T04:27:04","slug":"diqq%c9%99t-isbazlar-bizi-bel%c9%99-aldadir-oxunmayan-qr-kod-v%c9%99","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=794440","title":{"rendered":"Diqq\u0259t! \u0130\u015fbazlar bizi bel\u0259 aldad\u0131r – oxunmayan QR kod v\u0259…"},"content":{"rendered":"

Sahibkarlar kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr k\u0259l\u0259y\u0259 \u0259l at\u0131rlar; iqtisad\u00e7\u0131 bu halda \u0259halinin hans\u0131 add\u0131mlar atmal\u0131 oldu\u011funu a\u00e7\u0131qlad\u0131<\/strong><\/p>\n

\u0130\u015f adamlar\u0131 kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr hiyl\u0259l\u0259r\u0259 \u0259l at\u0131rlar. Bu m\u00f6vzunu Ayna.az g\u00fcn\u0259m\u0259 g\u0259tirib. Bel\u0259 ki, m\u00fc\u015ft\u0259ril\u0259r\u0259 oxunmayan QR kodu olan q\u0259bzl\u0259r verilir v\u0259 b\u0259z\u0259n onlar bank kart\u0131 il\u0259 \u00f6d\u0259ni\u015fi q\u0259bul etm\u0259kd\u0259n, \u00fcmumiyy\u0259tl\u0259, imtina edirl\u0259r. Bundan ba\u015fqa, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r na\u011fd \u015f\u0259kild\u0259 u\u00e7ota al\u0131n\u0131r v\u0259 n\u0259tic\u0259d\u0259 al\u0131c\u0131 ilin \u0259vv\u0259lind\u0259n t\u0259l\u0259b olundu\u011fu kimi 17,5% \u018fDV deyil, \u00f6d\u0259diyi dolay\u0131 verginin c\u0259mi 5%-ni al\u0131r.<\/p>\n

Ma\u011faza m\u00fcdirin\u0259 edil\u0259n \u015fikay\u0259tl\u0259rin he\u00e7 bir faydas\u0131 yoxdur. H\u0259tta vergi orqanlar\u0131na m\u00fcraci\u0259t etm\u0259kl\u0259 d\u0259 problemi h\u0259ll etm\u0259k m\u00fcmk\u00fcn deyil. P\u0259rak\u0259nd\u0259 sat\u0131\u015f \u015f\u0259b\u0259k\u0259l\u0259ri boz, pozuq \u00e7ap v\u0259 oxunmayan QR kodu olan kassa q\u0259bzl\u0259ri il\u0259 maxinasiya edirl\u0259r.<\/p>\n

M\u00fc\u015ft\u0259ril\u0259rin fikrinc\u0259, bunu \u0259sas\u0259n iri p\u0259rak\u0259nd\u0259 sat\u0131\u015f \u015f\u0259b\u0259k\u0259l\u0259ri edir, ki\u00e7ik p\u0259rak\u0259nd\u0259 sat\u0131\u015f m\u0259nt\u0259q\u0259l\u0259ri is\u0259 \u00fcmumiyy\u0259tl\u0259, fiskal s\u0259n\u0259d t\u0259qdim etm\u0259kd\u0259n imtina edir.<\/p>\n

B\u0259zi yenilikl\u0259r d\u0259 var: bu yax\u0131nlarda q\u0259bz oxutmaq ist\u0259y\u0259rk\u0259n m\u00fc\u015ft\u0259ril\u0259r i\u015fl\u0259m\u0259y\u0259n server haqq\u0131nda mesaj al\u0131blar. Bu al\u0131c\u0131lar\u0131n al\u0131\u015f m\u0259bl\u0259\u011find\u0259 \u00f6d\u0259diyi pulun bir hiss\u0259sini geri qaytara bilm\u0259m\u0259si h\u00fcquqlar\u0131n\u0131n kobud \u015f\u0259kild\u0259 pozulmas\u0131d\u0131r. Bel\u0259 hallarla qar\u015f\u0131la\u015fan v\u0259t\u0259nda\u015flara 195-\u0259 – \u201cQaynar x\u0259tt\u201d\u0259 z\u0259ng ed\u0259r\u0259k ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259n \u015fikay\u0259t etm\u0259k m\u0259sl\u0259h\u0259t g\u00f6r\u00fcl\u00fcr.<\/p>\n

Qeyd ed\u0259k ki, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n illik \u201cR\u0259q\u0259msal \u00d6d\u0259ni\u015fl\u0259r \u0130cmal\u0131\u201dnda veril\u0259n m\u0259lumata \u0259sas\u0259n, 2025-ci il yanvar\u0131n 1-n\u0259 d\u00f6vriyy\u0259d\u0259 olan \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n say\u0131 19,9 milyon \u0259d\u0259d t\u0259\u015fkil edib, virtual kartlar istisna olmaqla \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n 80 faizi t\u0259mass\u0131z \u00f6d\u0259ni\u015fl\u0259ri d\u0259st\u0259kl\u0259yib.<\/strong><\/p>\n

Bildirilib ki, 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n say\u0131 17,6 faiz, o c\u00fcml\u0259d\u0259n t\u0259mass\u0131z kartlar\u0131n say\u0131 23,5 faiz art\u0131b. Emissiya edil\u0259n \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n 89 faizini (17,6 milyon \u0259d\u0259d) debet kartlar, 11 faizini (2,3 milyon \u0259d\u0259d) is\u0259 kredit kartlar\u0131 t\u0259\u015fkil edib. Eyni zamanda virtual kartlar\u0131n say\u0131 22,8 faiz artaraq 1,9 milyon \u0259d\u0259d\u0259 \u00e7at\u0131b.<\/p>\n

D\u00f6vriyy\u0259d\u0259 olan \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n 9 faizini m\u0259hz virtual kartlar t\u0259\u015fkil edib. 2024-c\u00fc il \u0259rzind\u0259 \u00f6lk\u0259 daxilind\u0259 \u00f6d\u0259ni\u015f kartlar\u0131 il\u0259 apar\u0131lm\u0131\u015f \u0259m\u0259liyyatlar\u0131n \u00fcmumi h\u0259cmi 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 39 faiz artaraq 122,9 milyard manat, o c\u00fcml\u0259d\u0259n na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi 61 faiz artaraq 78,9 milyard manat olub.<\/p>\n

\"QR<\/p>\n

\u00d6lk\u0259d\u0259 \u00f6d\u0259ni\u015f kartlar\u0131 il\u0259 apar\u0131lan na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin b\u00f6y\u00fck hiss\u0259si elektron ticar\u0259t \u0259m\u0259liyyatlar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcb. 2024-c\u00fc il \u0259rzind\u0259 elektron ticar\u0259t \u0259m\u0259liyyatlar\u0131n\u0131n say\u0131 2023-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 83 faiz artaraq 1,003.4 milyon \u0259d\u0259d, h\u0259cmi is\u0259 70 faiz artaraq 66,5 milyard manat olub. T\u0259s\u0259rr\u00fcfat subyektl\u0259rind\u0259 2024-c\u00fc il \u0259rzind\u0259 POS-terminallar vasit\u0259sil\u0259 apar\u0131lan na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n say\u0131 2023-c\u00fc il il\u0259 m\u00fcqayis\u0259d\u0259 49,3 faiz artaraq 621,9 milyon \u0259d\u0259d, h\u0259cmi is\u0259 25,4 faiz artaraq 12,3 milyard manat olub. O c\u00fcml\u0259d\u0259n 2024-c\u00fc il \u0259rzind\u0259 POS-terminallarla apar\u0131lan t\u0259mass\u0131z \u00f6d\u0259ni\u015fl\u0259rin say\u0131 2023-c\u00fc il il\u0259 m\u00fcqayis\u0259d\u0259 49,6 faiz artaraq 599,8 milyon \u0259d\u0259d, h\u0259cmi is\u0259 29,1 faiz artaraq 11,5 milyard manat olub.<\/strong><\/p>\n

Apar\u0131lan t\u0259hlill\u0259r n\u0259tic\u0259sind\u0259 m\u0259lum olub ki, t\u0259s\u0259rr\u00fcfat subyektl\u0259rind\u0259 qura\u015fd\u0131r\u0131lan POS-terminallar\u0131n say\u0131n\u0131n 1 faiz artmas\u0131 token \u0259m\u0259liyyatlar\u0131n\u0131n h\u0259cminin 3,9 faiz artmas\u0131na t\u0259sir g\u00f6st\u0259rir.<\/p>\n

<\/p>\n

\u00a0R\u0259\u015fad H\u0259s\u0259nov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov \u201cYeni M\u00fcsavat\u201da bildirdi ki, sadalanan hallarla \u0259laq\u0259dar olaraq qanunvericilik konkret \u00e7\u0259r\u00e7iv\u0259l\u0259r m\u00fc\u0259yy\u0259n edib. \u0130qtisad\u00e7\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu \u00e7\u0259r\u00e7iv\u0259l\u0259r \u0259sas\u0131nda f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259m\u0259k b\u00fct\u00fcn biznes subyektl\u0259ri \u00fc\u00e7\u00fcn m\u0259suliyy\u0259t yarad\u0131r:<\/strong>\u00a0\u201c\u00d6d\u0259ni\u015fin qeyri-formal q\u0259bul edilm\u0259si, q\u0259bzl\u0259rin standartlara uy\u011fun t\u0259rtib edilm\u0259m\u0259si, q\u0259bzl\u0259rin m\u00fc\u015ft\u0259riy\u0259 t\u0259qdim edilm\u0259m\u0259si, \u00f6d\u0259ni\u015fin kartla q\u0259bul edilm\u0259sind\u0259n yay\u0131nmaq p\u0259rak\u0259nd\u0259 ticar\u0259t m\u00fc\u0259ssis\u0259l\u0259ri daxil olmaqla, h\u0259r k\u0259s \u00fc\u00e7\u00fcn m\u0259suliyy\u0259t yarad\u0131r. Qanunvericilikd\u0259 bu m\u0259suliyy\u0259tin \u00e7\u0259r\u00e7iv\u0259l\u0259ri, sanksiyalar\u0131n m\u0259bl\u0259\u011fi ayd\u0131n \u0259ks olunub. Buna baxmayaraq, bu g\u00fcn\u0259 q\u0259d\u0259r bu istiqam\u0259td\u0259 at\u0131lm\u0131\u015f add\u0131mlar m\u00fc\u0259yy\u0259n q\u0259d\u0259r fayda vers\u0259 d\u0259, \u00e7at\u0131\u015fmazl\u0131qlar qalmaqdad\u0131r. N\u0259tic\u0259d\u0259 m\u00fc\u015ft\u0259ril\u0259rin h\u00fcquqlar\u0131 pozulur, onlar\u0131n m\u00f6vcud mexanizml\u0259rd\u0259n faydalanmaq imkan\u0131 m\u0259hdudla\u015f\u0131r. Bu da aidiyy\u0259ti orqanlar\u0131n n\u0259zar\u0259t t\u0259dbirl\u0259rini art\u0131rmas\u0131 il\u0259 ba\u011fl\u0131 \u00e7a\u011f\u0131r\u0131\u015flar formala\u015fd\u0131r\u0131r. Bununla yana\u015f\u0131, d\u00fc\u015f\u00fcn\u00fcr\u0259m ki, prosesi sad\u0259c\u0259 n\u0259zar\u0259ti g\u00fccl\u0259ndirm\u0259kl\u0259 t\u0259nziml\u0259m\u0259k olmaz. Uzunm\u00fcdd\u0259tli d\u00f6vrd\u0259 Az\u0259rbaycanda \u0259n\u0259n\u0259vi iqtisadi f\u0259aliyy\u0259t modeli daha \u00e7ox qeyri-formal sahibkarl\u0131q \u0259sas\u0131nda qurulub. Bu v\u0259rdi\u015fl\u0259rin d\u0259yi\u015fdirilm\u0259si, eyni zamanda transformasiya prosesind\u0259 yaranm\u0131\u015f x\u0259rcl\u0259rin t\u0259sir effektl\u0259rinin z\u0259ifl\u0259dilm\u0259si d\u0259 h\u00f6kum\u0259tin diqq\u0259td\u0259 saxlamal\u0131 oldu\u011fu m\u0259qamlardan biridir. Prosesin \u00f6z\u00fc t\u0259\u015fviqedici olmal\u0131d\u0131r. Yaranan \u0259lav\u0259 x\u0259rcl\u0259rin optimalla\u015fd\u0131r\u0131lmas\u0131, yaxud na\u011fds\u0131z \u00f6d\u0259ni\u015f infrastrukturu il\u0259 ba\u011fl\u0131 yeni h\u0259ll\u0259rin geni\u015f t\u0259bli\u011f edilm\u0259si, x\u00fcsusil\u0259 ucqar \u0259razil\u0259rd\u0259\u00a0 yeni h\u0259ll\u0259rin, mobil h\u0259ll\u0259rin t\u0259tbiqi imkanlar\u0131n\u0131n geni\u015f t\u0259bli\u011fi v\u0259 t\u0259tbiqi istiqam\u0259tind\u0259 add\u0131mlar\u0131n atmas\u0131na ehtiyac var. O c\u00fcml\u0259d\u0259n m\u00fc\u015ft\u0259ril\u0259rin diqq\u0259tli olmas\u0131 vacibdir. M\u00fc\u015ft\u0259ril\u0259ri \u00f6z h\u00fcquqlar\u0131n\u0131 t\u0259l\u0259b etm\u0259y\u0259, sahibkarlar qar\u015f\u0131s\u0131nda m\u00f6vqe qoyma\u011fa \u00e7a\u011f\u0131r\u0131r\u0131q. Bu, eyni zamanda m\u00fcvafiq ticar\u0259t m\u00fcnasib\u0259tinin h\u00fcquqi \u0259saslar\u0131n\u0131, o c\u00fcml\u0259d\u0259n g\u0259l\u0259c\u0259kd\u0259 ortaya \u00e7\u0131xan b\u00fct\u00fcn h\u0259ll\u0259r \u00fc\u00e7\u00fcn \u0259saslar\u00a0 yarad\u0131r. Q\u0259bzl\u0259r, yaxud alq\u0131-satq\u0131n\u0131n r\u0259smi formada h\u0259yata ke\u00e7irilm\u0259si istehlak\u00e7\u0131 h\u00fcquqlar\u0131n\u0131n qorunmas\u0131 aspektind\u0259n d\u0259 prosesin m\u00fch\u00fcm halqalar\u0131ndan biri say\u0131l\u0131r. H\u00f6kum\u0259t m\u00fc\u0259yy\u0259n v\u0259rdi\u015fl\u0259rin inki\u015faf etm\u0259si d\u00f6vr\u00fcnd\u0259, n\u00f6vb\u0259ti 3-5 ild\u0259 insanlar\u0131n k\u00fctl\u0259vi \u015f\u0259kild\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015f\u0259 meyll\u0259nm\u0259si, eyni zamanda sahibkarl\u0131q subyektl\u0259rinin bu prosesd\u0259 m\u00fcqavim\u0259tinin z\u0259ifl\u0259dilm\u0259si m\u0259qs\u0259dil\u0259 \u0259hat\u0259li, t\u0259\u015fviqedici, hamar ke\u00e7idi t\u0259min etm\u0259lidir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sahibkarlar kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr k\u0259l\u0259y\u0259 \u0259l at\u0131rlar; iqtisad\u00e7\u0131 bu halda \u0259halinin hans\u0131 add\u0131mlar atmal\u0131 oldu\u011funu a\u00e7\u0131qlad\u0131 \u0130\u015f adamlar\u0131 kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr hiyl\u0259l\u0259r\u0259 \u0259l at\u0131rlar. Bu m\u00f6vzunu Ayna.az g\u00fcn\u0259m\u0259 g\u0259tirib. Bel\u0259 ki, m\u00fc\u015ft\u0259ril\u0259r\u0259 oxunmayan QR kodu olan q\u0259bzl\u0259r verilir v\u0259 b\u0259z\u0259n onlar bank kart\u0131 il\u0259 \u00f6d\u0259ni\u015fi q\u0259bul etm\u0259kd\u0259n, \u00fcmumiyy\u0259tl\u0259, imtina edirl\u0259r. Bundan ba\u015fqa, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r na\u011fd \u015f\u0259kild\u0259 u\u00e7ota al\u0131n\u0131r v\u0259 n\u0259tic\u0259d\u0259 al\u0131c\u0131 ilin \u0259vv\u0259lind\u0259n t\u0259l\u0259b olundu\u011fu kimi 17,5% \u018fDV deyil, \u00f6d\u0259diyi dolay\u0131 verginin c\u0259mi 5%-ni al\u0131r. Ma\u011faza m\u00fcdirin\u0259 edil\u0259n \u015fikay\u0259tl\u0259rin he\u00e7 bir faydas\u0131 yoxdur. H\u0259tta vergi orqanlar\u0131na…<\/p>\n","protected":false},"author":2,"featured_media":794441,"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\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb-584x365.jpg",584,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",640,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/7e8d73fc837464ff9790b19a48c06efb.jpg",800,500,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":"Sahibkarlar kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr k\u0259l\u0259y\u0259 \u0259l at\u0131rlar; iqtisad\u00e7\u0131 bu halda \u0259halinin hans\u0131 add\u0131mlar atmal\u0131 oldu\u011funu a\u00e7\u0131qlad\u0131 \u0130\u015f adamlar\u0131 kassa q\u0259bzi il\u0259 h\u0259r c\u00fcr hiyl\u0259l\u0259r\u0259 \u0259l at\u0131rlar. Bu m\u00f6vzunu Ayna.az g\u00fcn\u0259m\u0259 g\u0259tirib. Bel\u0259 ki, m\u00fc\u015ft\u0259ril\u0259r\u0259 oxunmayan QR kodu olan q\u0259bzl\u0259r verilir v\u0259 b\u0259z\u0259n onlar bank kart\u0131 il\u0259 \u00f6d\u0259ni\u015fi q\u0259bul etm\u0259kd\u0259n, \u00fcmumiyy\u0259tl\u0259, imtina edirl\u0259r. Bundan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/794440"}],"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=794440"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/794440\/revisions"}],"predecessor-version":[{"id":794442,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/794440\/revisions\/794442"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/794441"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=794440"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=794440"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=794440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}