{"id":161582,"date":"2019-06-01T06:34:44","date_gmt":"2019-06-01T05:34:44","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=161582"},"modified":"2019-06-01T06:45:21","modified_gmt":"2019-06-01T05:45:21","slug":"protext-ceska-sporitelna-spousti-platbu-z-uctu-prvni-platebni-tlacitko-pro-internetove-platby-na-bazi-multibankingu","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=161582","title":{"rendered":"\u010cESK\u00c1 SPO\u0158ITELNA: Platba z \u00fa\u010dtu umo\u017e\u0148uje klient\u016fm platit u internetov\u00fdch obchod\u016f bez pou\u017eit\u00ed karty"},"content":{"rendered":"
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Ilustra\u010dn\u00ed foto: pixabay<\/figcaption><\/figure>\n

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Platba z \u00fa\u010dtu je prvn\u00edm platebn\u00edm tla\u010d\u00edtkem pro internetov\u00e9 platby, kter\u00e9 konzumuje PSD2 API ostatn\u00edch bank na \u010desk\u00e9m trhu a je tak defakto prvn\u00edm multibankingov\u00fdm platebn\u00edm tla\u010d\u00edtkem v \u010cR. Platba z \u00fa\u010dtu umo\u017e\u0148uje klient\u016fm platit u internetov\u00fdch obchodn\u00edk\u016f bez pou\u017eit\u00ed karty p\u0159\u00edmo z jejich internetov\u00fdch bankovnictv\u00ed, bez ohledu na to, u kter\u00e9 banky maj\u00ed z\u0159\u00edzen \u00fa\u010det. Platbu z \u00fa\u010dtu mohou nyn\u00ed vyu\u017e\u00edvat klienti \u010cesk\u00e9 spo\u0159itelny, Air Bank, \u010cSOB, Raiffeisenbank a Moneta Money Bank.<\/h6>\n

\"\"Do konce roku pl\u00e1nuje Spo\u0159itelna k Platb\u011b z \u00fa\u010dtu p\u0159ipojit dal\u0161\u00ed banky. Novou slu\u017ebu ji\u017e za\u010dali vyu\u017e\u00edvat pilotn\u00ed internetov\u00ed obchodn\u00edci, z\u00e1rove\u0148 je dostupn\u00e1 v r\u00e1mci platebn\u00ed br\u00e1ny Global Payments. Platba z \u00fa\u010dtu je prvn\u00edm vyu\u017eit\u00edm mo\u017enosti tzv. nep\u0159\u00edm\u00e9ho platebn\u00edho p\u0159\u00edkazu (PIS), kter\u00fd je sou\u010d\u00e1st\u00ed sm\u011brnice PSD2. Ta finan\u010dn\u00edm instituc\u00edm v Evropsk\u00e9 unii na\u0159izuje otev\u0159\u00edt se t\u0159et\u00edm stran\u00e1m v r\u00e1mci tzv. otev\u0159en\u00e9ho bankovnictv\u00ed.<\/p>\n

Platba z \u00fa\u010dtu dopl\u0148uje v portfoliu internetov\u00fdch platebn\u00edch \u0159e\u0161en\u00ed \u010cesk\u00e9 spo\u0159itelny platebn\u00ed tla\u010d\u00edtko Platba 24, kter\u00e9 dominuje trhu internetov\u00fdch platebn\u00edch tla\u010d\u00edtek a realizuje se p\u0159es n\u011bj zhruba 70% (4,7 miliardy korun za rok) v\u0161ech plateb p\u0159es platebn\u00ed tla\u010d\u00edtko v \u010cesk\u00e9 republice. Platba p\u0159es platebn\u00ed tla\u010d\u00edtko je platba, kdy klient na internetu neplat\u00ed za zbo\u017e\u00ed a slu\u017eby svou platebn\u00ed kartou, ale kliknut\u00edm na platebn\u00ed tla\u010d\u00edtko plat\u00ed p\u0159\u00edmo ze sv\u00e9ho internetov\u00e9ho bankovnictv\u00ed, kde dojde s ka\u017edou platbou k automatick\u00e9mu vygenerov\u00e1n\u00ed platebn\u00edho p\u0159\u00edkazu.<\/p>\n

Platebn\u00ed tla\u010d\u00edtka jsou standardn\u00ed sou\u010d\u00e1st\u00ed platebn\u00edch bran v\u011bt\u0161iny v\u00fdznamn\u00fdch internetov\u00fdch obchodn\u00edk\u016f. Jakkoli p\u0159es platebn\u00ed tla\u010d\u00edtka dnes proud\u00ed zhruba 5% v\u0161ech internetov\u00fdch plateb na \u010desk\u00e9m internetu, jde o preferovan\u00e9 \u0159e\u0161en\u00ed u stabiln\u00ed skupiny klient\u016f, kte\u0159\u00ed necht\u011bj\u00ed na internetu p\u0159episovat \u00fadaje ze sv\u00fdch platebn\u00edch karet, a\u0165 u\u017e z d\u016fvod\u016f bezpe\u010dnosti nebo z d\u016fvodu v\u011bt\u0161\u00ed u\u017eivatelsk\u00e9 pohodlnosti.<\/p>\n

“Pro internetov\u00e9 obchodn\u00edky je pochopiteln\u011b jednodu\u0161\u0161\u00ed nab\u00edzet sv\u00fdm klient\u016fm platbu p\u0159es jedno platebn\u00ed tla\u010d\u00edtko, ne\u017e je nutit hledat v platebn\u00ed br\u00e1n\u011b platebn\u00ed tla\u010d\u00edtko pr\u00e1v\u011b jejich banky. Dal\u0161\u00ed v\u00fdhodou pro obchodn\u00edky je \u00faspora \u010dasu i n\u00e1klad\u016f plynouc\u00ed ze spr\u00e1vy pouze jednoho platebn\u00edho tla\u010d\u00edtka ve srovn\u00e1n\u00ed se spr\u00e1vou platebn\u00edch tla\u010d\u00edtek jednotliv\u00fdch bank\u201c<\/em> \u0159\u00edk\u00e1 Martin Medek, \u0161\u00e9f Otev\u0159en\u00e9ho bankovnictv\u00ed v \u010cesk\u00e9 spo\u0159iteln\u011b a dod\u00e1v\u00e1 \u201eK platebn\u00edmu tla\u010d\u00edtku Platba z \u00fa\u010dtu jsme p\u0159ipojili ji\u017e \u010dty\u0159i banky a p\u0159edpokl\u00e1d\u00e1me, \u017ee do konce roku bude mo\u017en\u00e9 p\u0159es Platbu z \u00fa\u010dtu realizovat internetov\u00e9 platby z v\u011bt\u0161iny velk\u00fdch a st\u0159edn\u011b velk\u00fdch bank na \u010desk\u00e9m trhu. Vzhledem k tomu, \u017ee Platbu 24 dnes vyu\u017e\u00edv\u00e1 v\u00edce ne\u017e \u010dty\u0159i tis\u00edce e-shop\u016f, v\u011b\u0159\u00edm, \u017ee jsme na dobr\u00e9 cest\u011b prosadit se s multibankingovou Platbou z \u00fa\u010dtu na \u010desk\u00e9m trhu.\u201c<\/em><\/p>\n

“Fakt, \u017ee Platba z \u00fa\u010dtu p\u0159edstavuje v\u016fbec prvn\u00ed vyu\u017eit\u00ed tzv. nep\u0159\u00edm\u00e9ho platebn\u00edho p\u0159\u00edkazu (PIS), kter\u00fd je sou\u010d\u00e1st\u00ed sm\u011brnice PSD2, znovu potvrzuje, \u017ee revoluci v otev\u0159en\u00e9m bankovnictv\u00ed na \u010desk\u00e9m trhu vedou zejm\u00e9na banky sp\u00ed\u0161e ne\u017e fintechov\u00e9 spole\u010dnosti,\u201c<\/em> doplnil Medek.<\/p>\n

PROTEXT<\/strong><\/p>\n

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  Platba <\/p>\n","protected":false},"author":2,"featured_media":161583,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[24],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2019\/06\/01\/internetov\u00e9-bankovnictv\u00ed.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/161582"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=161582"}],"version-history":[{"count":8,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/161582\/revisions"}],"predecessor-version":[{"id":161592,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/161582\/revisions\/161592"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/161583"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=161582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=161582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=161582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}