{"id":854270,"date":"2026-06-03T12:56:43","date_gmt":"2026-06-03T08:56:43","guid":{"rendered":"https:\/\/arantv.az\/?p=854270"},"modified":"2026-06-03T12:56:43","modified_gmt":"2026-06-03T08:56:43","slug":"%c9%99hali-arasinda-narahatliq-alis-veris-zamani-kartlarimizdan-%c9%99lav%c9%99-pul-tutulacaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=854270","title":{"rendered":"\u018fhali aras\u0131nda narahatl\u0131q: Al\u0131\u015f-veri\u015f zaman\u0131 kartlar\u0131m\u0131zdan \u0259lav\u0259 pul tutulacaq?"},"content":{"rendered":"<p><strong>Son g\u00fcnl\u0259r sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 bank kartlar\u0131 il\u0259 ba\u011fl\u0131 yay\u0131lan m\u0259lumatlar geni\u015f m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Payla\u015f\u0131mlarda iddia edilir ki, art\u0131q ma\u011faza v\u0259 xidm\u0259t obyektl\u0259rind\u0259 bank kart\u0131 il\u0259 edil\u0259n \u00f6d\u0259ni\u015fl\u0259r zaman\u0131 v\u0259t\u0259nda\u015flar\u0131n hesab\u0131ndan \u0259lav\u0259 faiz tutulacaq. Bu iddialar bir \u00e7ox insanda narahatl\u0131q yarad\u0131b, b\u0259zi v\u0259t\u0259nda\u015flar g\u00fcnd\u0259lik al\u0131\u015f-veri\u015f zaman\u0131 \u0259lav\u0259 x\u0259rc il\u0259 \u00fczl\u0259\u015f\u0259c\u0259kl\u0259rini d\u00fc\u015f\u00fcnm\u0259y\u0259 ba\u015flay\u0131blar.<\/strong><\/p>\n<p><strong>B\u0259s h\u0259qiq\u0259t\u0259nmi kartla \u00f6d\u0259ni\u015f ed\u0259n \u015f\u0259xsl\u0259r bundan sonra \u0259lav\u0259 \u00f6d\u0259ni\u015f etm\u0259li olacaqlar?<\/strong><\/p>\n<p><strong>M\u0259s\u0259l\u0259y\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259si \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edtdiyimiz iqtisadiyyat \u00fczr\u0259 ekspert Razi Abasb\u0259yli\u00a0<a href=\"https:\/\/publika.az\/\" target=\"_blank\" rel=\"noopener\">Publika.az<\/a>-a bildirdi ki, sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 yay\u0131lan m\u0259lumatlar\u0131n h\u0259qiq\u0259t pay\u0131 yoxdur v\u0259 v\u0259t\u0259nda\u015flar\u0131n kartla al\u0131\u015f-veri\u015f zaman\u0131 hesablar\u0131ndan \u0259lav\u0259 v\u0259sait tutulaca\u011f\u0131 il\u0259 ba\u011fl\u0131 iddialar reall\u0131\u011f\u0131 \u0259ks etdirmir:<\/strong><\/p>\n<p>&#8220;Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 kart \u00f6d\u0259ni\u015fl\u0259rind\u0259 t\u0259tbiq olunan inter\u00e7eync komissiyalar\u0131na yuxar\u0131 h\u0259dd m\u00fc\u0259yy\u0259n edib. Q\u0259rara \u0259sas\u0259n, supermarket v\u0259 aptekl\u0259rd\u0259 1,25 faiz, yanacaq doldurma m\u0259nt\u0259q\u0259l\u0259rind\u0259 0,75 faiz, \u00fcmumi kateqoriya \u00fczr\u0259 is\u0259 1,5 faiz limit t\u0259tbiq olunub.<\/p>\n<p>Burada vacib m\u0259qam ondan ibar\u0259tdir ki, inter\u00e7eync v\u0259t\u0259nda\u015f\u0131n kart\u0131ndan tutulacaq yeni komissiya deyil. S\u00f6hb\u0259t kart\u0131 ver\u0259n bank, \u00f6d\u0259ni\u015fi q\u0259bul ed\u0259n bank v\u0259 \u00f6d\u0259ni\u015f sisteml\u0259ri aras\u0131nda apar\u0131lan hesabla\u015fmalarda t\u0259tbiq olunan komissiyalardan gedir. M\u0259hz bu komissiyalar \u00fczr\u0259 yuxar\u0131 h\u0259dd m\u00fc\u0259yy\u0259n edilir. H\u0259min m\u0259bl\u0259\u011f sat\u0131c\u0131n\u0131n banka \u00f6d\u0259diyi xidm\u0259t haqq\u0131n\u0131n t\u0259rkib hiss\u0259sidir.<\/p>\n<p>Sad\u0259 misalla izah ets\u0259k, v\u0259t\u0259nda\u015f marketd\u0259n 100 manatl\u0131q al\u0131\u015f-veri\u015f edir v\u0259 \u00f6d\u0259ni\u015fi kartla h\u0259yata ke\u00e7irir. Bu zaman onun kart\u0131ndan yen\u0259 d\u0259 yaln\u0131z 100 manat \u00e7\u0131x\u0131l\u0131r. Kart sahibind\u0259n \u0259lav\u0259 olaraq 1,25 v\u0259 ya 1,5 manat tutulmur. S\u00f6z\u00fcged\u0259n faizl\u0259r banklar v\u0259 \u00f6d\u0259ni\u015f sisteml\u0259ri aras\u0131nda b\u00f6l\u00fc\u015fd\u00fcr\u00fcl\u0259n komissiyalard\u0131r&#8221;.<\/p>\n<p><img loading=\"lazy\" src=\"https:\/\/publika.az\/storage\/2026\/06\/03\/razi.jpg\" alt=\"\" width=\"600\" height=\"338\" \/><\/p>\n<p><strong>R.Abasb\u0259yli qeyd etdi ki, q\u0259rar v\u0259t\u0259nda\u015f\u0131n \u0259lav\u0259 pul \u00f6d\u0259m\u0259si dem\u0259k deyil, lakin onun bazara m\u00fc\u0259yy\u0259n t\u0259sirl\u0259ri ola bil\u0259r:<\/strong><\/p>\n<p>&#8220;Bu q\u0259rar\u0131n dolay\u0131 yolla qiym\u0259tl\u0259r\u0259 t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259c\u0259yini istisna etm\u0259k olmaz. G\u0259l\u0259c\u0259kd\u0259 b\u0259zi supermarket \u015f\u0259b\u0259k\u0259l\u0259ri v\u0259 ya xidm\u0259t obyektl\u0259ri x\u0259rcl\u0259rinin artd\u0131\u011f\u0131n\u0131 \u0259sas g\u0259tir\u0259r\u0259k qiym\u0259t art\u0131m\u0131na ged\u0259 bil\u0259rl\u0259r. Q\u0259rar\u0131n \u00f6z\u00fc v\u0259t\u0259nda\u015f\u0131n kart\u0131ndan al\u0131\u015f-veri\u015f zaman\u0131 \u0259lav\u0259 v\u0259sait tutulmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutmur&#8221;.<\/p>\n<p><strong>Ekspert hesab edir ki, q\u0259rar\u0131n \u0259sas t\u0259sirl\u0259rind\u0259n biri ke\u015fbek proqramlar\u0131nda \u00f6z\u00fcn\u00fc g\u00f6st\u0259r\u0259 bil\u0259r:<\/strong><\/p>\n<p>\u201cNa\u011fds\u0131z hesabla\u015fmalar\u0131 stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn t\u0259tbiq edil\u0259n t\u0259\u015fviqedici proqramlar\u0131n t\u0259sir g\u00fcc\u00fc t\u0259dric\u0259n z\u0259ifl\u0259y\u0259 bil\u0259r. Ke\u015fbekl\u0259rin azalmas\u0131 v\u0259 ya tamamil\u0259 l\u0259\u011fv olunmas\u0131 v\u0259t\u0259nda\u015flar\u0131n na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r\u0259 mara\u011f\u0131n\u0131 azalda bil\u0259r ki, bu da m\u0259nfi tendensiya hesab olunur.<\/p>\n<p>Dig\u0259r t\u0259r\u0259fd\u0259n, h\u0259m POS-terminallar vasit\u0259sil\u0259 xidm\u0259t g\u00f6st\u0259r\u0259n banklar\u0131n, h\u0259m d\u0259 plastik kart emissiyas\u0131 h\u0259yata ke\u00e7ir\u0259n banklar\u0131n x\u0259rcl\u0259ri arta bil\u0259r. M\u00fc\u0259yy\u0259n edilmi\u015f yuxar\u0131 h\u0259dd \u00e7\u0259r\u00e7iv\u0259sind\u0259 hesablanan komissiyalar banklarla sahibkarlar aras\u0131nda b\u00f6l\u00fc\u015fd\u00fcr\u00fcl\u0259c\u0259k. Bu is\u0259 h\u0259m banklar\u0131n, h\u0259m d\u0259 sahibkarlar\u0131n \u0259lav\u0259 x\u0259rc y\u00fck\u00fc il\u0259 \u00fczl\u0259\u015fm\u0259sin\u0259 s\u0259b\u0259b ola bil\u0259r.<\/p>\n<p>N\u0259tic\u0259d\u0259 ke\u015fbekl\u0259rin l\u0259\u011fv olunmas\u0131 v\u0259 ya azalmas\u0131 v\u0259t\u0259nda\u015flar\u0131n plastik kartlarla \u00f6d\u0259ni\u015f\u0259 mara\u011f\u0131n\u0131 z\u0259ifl\u0259d\u0259, na\u011fds\u0131z al\u0131\u015f-veri\u015fl\u0259rin h\u0259cminin azalmas\u0131na g\u0259tirib \u00e7\u0131xara bil\u0259r. Eyni zamanda, x\u00fcsusil\u0259 aptekl\u0259r v\u0259 \u0259rzaq ma\u011fazalar\u0131nda sahibkarlar\u0131n x\u0259rcl\u0259rinin artmas\u0131 qiym\u0259t art\u0131m\u0131na da t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r&#8221;.<\/p>\n<p><strong>&#8220;Lakin bir m\u0259qam\u0131 x\u00fcsusi vur\u011fulamaq laz\u0131md\u0131r. Bu q\u0259rar v\u0259t\u0259nda\u015f\u0131n kart\u0131ndan \u0259lav\u0259 pul tutulmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutmur v\u0259 al\u0131c\u0131 al\u0131\u015f-veri\u015f zaman\u0131 h\u0259r hans\u0131 \u0259lav\u0259 \u00f6d\u0259ni\u015f etm\u0259y\u0259c\u0259k&#8221;, \u2013 dey\u0259 Razi Abasb\u0259yli qeyd etdi.<\/strong><\/p>\n<p><strong>M\u00fc\u0259llif: G\u00fclnar S\u00fcleymanova<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son g\u00fcnl\u0259r sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 bank kartlar\u0131 il\u0259 ba\u011fl\u0131 yay\u0131lan m\u0259lumatlar geni\u015f m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Payla\u015f\u0131mlarda iddia edilir ki, art\u0131q ma\u011faza v\u0259 xidm\u0259t obyektl\u0259rind\u0259 bank kart\u0131 il\u0259 edil\u0259n \u00f6d\u0259ni\u015fl\u0259r zaman\u0131 v\u0259t\u0259nda\u015flar\u0131n hesab\u0131ndan \u0259lav\u0259 faiz tutulacaq. Bu iddialar bir \u00e7ox insanda narahatl\u0131q yarad\u0131b, b\u0259zi v\u0259t\u0259nda\u015flar g\u00fcnd\u0259lik al\u0131\u015f-veri\u015f zaman\u0131 \u0259lav\u0259 x\u0259rc il\u0259 \u00fczl\u0259\u015f\u0259c\u0259kl\u0259rini d\u00fc\u015f\u00fcnm\u0259y\u0259 ba\u015flay\u0131blar. B\u0259s h\u0259qiq\u0259t\u0259nmi kartla \u00f6d\u0259ni\u015f ed\u0259n \u015f\u0259xsl\u0259r bundan sonra \u0259lav\u0259 \u00f6d\u0259ni\u015f etm\u0259li olacaqlar? M\u0259s\u0259l\u0259y\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259si \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edtdiyimiz iqtisadiyyat \u00fczr\u0259 ekspert Razi Abasb\u0259yli\u00a0Publika.az-a bildirdi ki, sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 yay\u0131lan m\u0259lumatlar\u0131n h\u0259qiq\u0259t pay\u0131 yoxdur v\u0259 v\u0259t\u0259nda\u015flar\u0131n kartla al\u0131\u015f-veri\u015f zaman\u0131 hesablar\u0131ndan&hellip;<\/p>\n","protected":false},"author":2,"featured_media":854271,"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":[26],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis.jpg",1200,800,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis.jpg",1200,800,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis.jpg",1200,800,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis-840x560.jpg",640,427,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis.jpg",1200,800,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis.jpg",1200,800,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/kart-alis-1200x620.jpg",1200,620,true]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=26\" rel=\"category\">Sosial<\/a>","rttpg_excerpt":"Son g\u00fcnl\u0259r sosial \u015f\u0259b\u0259k\u0259l\u0259rd\u0259 bank kartlar\u0131 il\u0259 ba\u011fl\u0131 yay\u0131lan m\u0259lumatlar geni\u015f m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Payla\u015f\u0131mlarda iddia edilir ki, art\u0131q ma\u011faza v\u0259 xidm\u0259t obyektl\u0259rind\u0259 bank kart\u0131 il\u0259 edil\u0259n \u00f6d\u0259ni\u015fl\u0259r zaman\u0131 v\u0259t\u0259nda\u015flar\u0131n hesab\u0131ndan \u0259lav\u0259 faiz tutulacaq. Bu iddialar bir \u00e7ox insanda narahatl\u0131q yarad\u0131b, b\u0259zi v\u0259t\u0259nda\u015flar g\u00fcnd\u0259lik al\u0131\u015f-veri\u015f zaman\u0131 \u0259lav\u0259 x\u0259rc il\u0259 \u00fczl\u0259\u015f\u0259c\u0259kl\u0259rini d\u00fc\u015f\u00fcnm\u0259y\u0259 ba\u015flay\u0131blar. B\u0259s h\u0259qiq\u0259t\u0259nmi kartla&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854270"}],"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=854270"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854270\/revisions"}],"predecessor-version":[{"id":854272,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854270\/revisions\/854272"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/854271"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=854270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=854270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=854270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}