{"id":614,"date":"2021-08-02T07:30:21","date_gmt":"2021-08-02T07:30:21","guid":{"rendered":"https:\/\/searchenginereports.net\/blog\/?p=614"},"modified":"2021-08-02T07:31:58","modified_gmt":"2021-08-02T07:31:58","slug":"paypal-impact-on-the-domestic-payment-system","status":"publish","type":"post","link":"https:\/\/dev.searchenginereports.net\/blog\/cs\/dopad-paypalu-na-tuzemsky-platebni-styk\/","title":{"rendered":"Dopad PayPal na tuzemsk\u00fd platebn\u00ed syst\u00e9m"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">B\u011bhem posledn\u00edch let se na digit\u00e1ln\u00edm trhu vyvinulo mnoho obor\u016f a manu\u00e1ln\u00ed procesy byly nahrazeny automatizac\u00ed. Kv\u016fli snadn\u00e9 dostupnosti webu a technologick\u00fdm inovac\u00edm v\u011bt\u0161ina lid\u00ed preferuje prov\u00e1d\u011bn\u00ed po\u017eadovan\u00fdch \u00fakol\u016f prost\u0159ednictv\u00edm sv\u00fdch chytr\u00fdch za\u0159\u00edzen\u00ed. Od n\u00e1kupu va\u0161ich obl\u00edben\u00fdch produkt\u016f a\u017e po p\u0159evod finan\u010dn\u00edch prost\u0159edk\u016f va\u0161im p\u0159\u00e1tel\u016fm nebo rodin\u00e1m, ka\u017ed\u00e1 transakce m\u016f\u017ee prob\u011bhnout online, ani\u017e byste museli fyzicky nav\u0161t\u011bvovat banky nebo pobo\u010dky. V\u011bt\u0161ina bank v dne\u0161n\u00ed dob\u011b m\u00e1 online platebn\u00ed syst\u00e9my, ale ukl\u00e1daj\u00ed n\u011bkolik omezen\u00ed a lid\u00e9 mus\u00ed \u010delit n\u011bkolika komplikac\u00edm, pokud jde o mezin\u00e1rodn\u00ed transakce. Od zalo\u017een\u00ed <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/PayPal\" rel=\"nofollow\"><span style=\"font-weight: 400;\">PayPal<\/span><\/a><span style=\"font-weight: 400;\">, co\u017e je online platebn\u00ed syst\u00e9m, kter\u00fd v\u00e1m umo\u017e\u0148uje pos\u00edlat nebo p\u0159ij\u00edmat pen\u00edze z jak\u00e9hokoli koutu sv\u011bta, v\u0161ak tato nep\u0159\u00edjemnost byla z lidsk\u00fdch \u017eivot\u016f odstran\u011bna.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zaveden\u00ed PayPal omezilo pou\u017e\u00edv\u00e1n\u00ed pap\u00edrov\u00fdch metod pro prov\u00e1d\u011bn\u00ed transakc\u00ed, jako jsou \u0161eky a pen\u011b\u017en\u00ed pouk\u00e1zky. Pomoc\u00ed n\u011bkolika klepnut\u00ed na za\u0159\u00edzen\u00ed m\u016f\u017eete prov\u00e9st po\u017eadovanou platbu pomoc\u00ed PayPal. Rostouc\u00ed popularita t\u00e9to elektronick\u00e9 platebn\u00ed metody vyvolala ot\u00e1zku, zda PayPal nezab\u00edj\u00ed dom\u00e1c\u00ed platebn\u00ed syst\u00e9m. No, pokud jste tak\u00e9 zv\u011bdav\u00ed na to p\u0159ij\u00edt, pak jste p\u0159ist\u00e1li na spr\u00e1vn\u00e9m m\u00edst\u011b. V tomto blogu odhal\u00edme pozitiva i negativa PayPalu a d\u00e1me v\u00e1m v\u011bd\u011bt o jeho vlivu na tuzemsk\u00fd platebn\u00ed styk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><strong>V \u010dem je PayPal lep\u0161\u00ed ne\u017e dom\u00e1c\u00ed platebn\u00ed syst\u00e9m?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Existuje n\u011bkolik faktor\u016f, kter\u00e9 \u010din\u00ed PayPal mnohem lep\u0161\u00ed metodou ve srovn\u00e1n\u00ed s dom\u00e1c\u00edm platebn\u00edm syst\u00e9mem. Hlavn\u00ed v\u00fdhody, kter\u00e9 mohou u\u017eivatel\u00e9 vyu\u017e\u00edvat s PayPal, jsou pops\u00e1ny n\u00ed\u017ee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><strong>Rychl\u00e9 p\u0159evody<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">P\u0159evod pen\u011bz z jednoho \u00fa\u010dtu PayPal na druh\u00fd je nejrychlej\u0161\u00ed zp\u016fsob, jak prov\u00e1d\u011bt okam\u017eit\u00e9 transakce po cel\u00e9m sv\u011bt\u011b. Odesl\u00e1n\u00ed pen\u011bz mezi \u00fa\u010dty PayPal zabere tyto transakce sotva p\u00e1r minut. Pokud se t\u011b\u0161\u00edte na p\u0159evod pen\u011bz na bankovn\u00ed \u00fa\u010det prost\u0159ednictv\u00edm \u00fa\u010dtu PayPal, transakce bude zpracov\u00e1na b\u011bhem n\u00e1sleduj\u00edc\u00edho pracovn\u00edho dne. U tuzemsk\u00fdch platebn\u00edch syst\u00e9m\u016f je to v\u0161ak jinak. Pokud jde o mezin\u00e1rodn\u00ed p\u0159evod pen\u011bz, bank\u00e1m to obvykle trv\u00e1 dva nebo v\u00edce pracovn\u00edch dn\u016f. Rychlost p\u0159evodu prost\u0159ednictv\u00edm bankovn\u00edch \u00fa\u010dt\u016f se banka od banky li\u0161\u00ed a typ va\u0161eho \u00fa\u010dtu tak\u00e9 hraje hlavn\u00ed roli p\u0159i rozhodov\u00e1n\u00ed, jak dlouho bude p\u0159evod prost\u0159edk\u016f trvat.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Pokro\u010dil\u00e9 zp\u016fsoby doru\u010den\u00ed<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">PayPal v\u00e1m nab\u00edz\u00ed n\u011bkolik zp\u016fsob\u016f doru\u010den\u00ed. M\u016f\u017eete poslat pen\u00edze ze sv\u00e9ho PayPal \u00fa\u010dtu na jin\u00fd PayPal. Tato online platebn\u00ed metoda tak\u00e9 umo\u017e\u0148uje p\u0159ev\u00e1d\u011bt prost\u0159edky na bankovn\u00ed \u00fa\u010det. Naproti tomu bankovn\u00ed \u00fa\u010dty umo\u017e\u0148uj\u00ed pouze p\u0159evod pen\u011bz na jin\u00e9 bankovn\u00ed \u00fa\u010dty. Neposkytuj\u00ed v\u00e1m mo\u017enost p\u0159ev\u00e1d\u011bt pen\u00edze na jak\u00fdkoli \u00fa\u010det PayPal. Pokud tedy n\u011bkter\u00e1 platforma p\u0159ij\u00edm\u00e1 pen\u00edze pouze p\u0159es PayPal, nebudete moci prov\u00e9st transakci pomoc\u00ed bankovn\u00edho \u00fa\u010dtu.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Lep\u0161\u00ed sm\u011bnn\u00fd kurz<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">P\u0159i mezin\u00e1rodn\u00edm p\u0159evodu pen\u011bz pomoc\u00ed \u00fa\u010dtu PayPal si m\u016f\u017eete u\u017e\u00edt lep\u0161\u00ed sm\u011bnn\u00fd kurz ve srovn\u00e1n\u00ed s bankovn\u00edmi p\u0159evody. PayPal pou\u017e\u00edv\u00e1 sm\u011bnn\u00fd kurz st\u0159edn\u00ed \u00farovn\u011b a \u00fa\u010dtuje si mar\u017ei 2,51 TP3T ze sm\u011bnn\u00e9ho kurzu, kter\u00fd nab\u00edz\u00ed z\u00e1kazn\u00edk\u016fm. V\u011bt\u0161ina bank si v\u0161ak od sv\u00fdch z\u00e1kazn\u00edk\u016f \u00fa\u010dtuje vy\u0161\u0161\u00ed ziskovou mar\u017ei na sm\u011bnn\u00fdch kurzech. S PayPal si m\u016f\u017eete u\u017e\u00edvat konkuren\u010dn\u00ed sm\u011bnn\u00e9 kurzy ve srovn\u00e1n\u00ed s kurzy nab\u00edzen\u00fdmi m\u00edstn\u00edmi bankami.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h2><strong>Zab\u00edj\u00ed PayPal dom\u00e1c\u00ed platebn\u00ed syst\u00e9m?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Nen\u00ed pochyb o tom, \u017ee pokud jde o p\u0159ij\u00edm\u00e1n\u00ed plateb online na mezin\u00e1rodn\u00ed \u00farovni, PayPal se odli\u0161uje od v\u0161ech ostatn\u00edch metod kv\u016fli diskutovan\u00fdm d\u016fvod\u016fm. Je v\u0161ak nespravedliv\u00e9 \u0159\u00edkat, \u017ee dom\u00e1c\u00ed platebn\u00ed syst\u00e9my zab\u00edj\u00ed PayPal. P\u0159esto\u017ee PayPal sv\u00fdm spot\u0159ebitel\u016fm nab\u00edz\u00ed n\u011bkolik v\u00fdhod, lid\u00e9 st\u00e1le spol\u00e9haj\u00ed na m\u00edstn\u00ed banky, aby provedly r\u016fzn\u00e9 transakce. Dom\u00e1c\u00ed platebn\u00ed syst\u00e9m nem\u016f\u017ee b\u00fdt zcela eliminov\u00e1n kv\u016fli PayPal, proto\u017ee existuj\u00ed faktory, ve kter\u00fdch PayPal zaost\u00e1v\u00e1.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jedn\u00edm z faktor\u016f, kv\u016fli kter\u00e9mu se lid\u00e9 zdr\u00e1haj\u00ed pou\u017e\u00edvat PayPal, je provize, kterou si \u00fa\u010dtuje za ka\u017edou transakci. Krom\u011b transakc\u00ed prob\u00edhaj\u00edc\u00edch v USA mus\u00ed spot\u0159ebitel\u00e9 platit provizi, kter\u00e1 se li\u0161\u00ed v z\u00e1vislosti na p\u0159ev\u00e1d\u011bn\u00e9 \u010d\u00e1stce. Pokud je n\u011bkdo zmaten\u00fd ohledn\u011b stanoven\u00ed p\u0159esn\u00e9ho poplatku PayPalu k zaplacen\u00ed jedn\u00e9 transakce, je lep\u0161\u00ed pou\u017e\u00edt <\/span><a href=\"https:\/\/searchenginereports.net\/paypal-fee-calculator\"><span style=\"font-weight: 400;\">kalkula\u010dku poplatk\u016f PayPal<\/span><\/a><span style=\"font-weight: 400;\">. Po proveden\u00ed tohoto v\u00fdpo\u010dtu jej m\u016f\u017eete porovnat s \u010d\u00e1stkou \u00fa\u010dtovanou va\u0161\u00ed m\u00edstn\u00ed bankou za stejnou transakci. Tato anal\u00fdza v\u00e1m umo\u017en\u00ed efektivn\u011b se rozhodnout mezi v\u00fdb\u011brem tuzemsk\u00e9ho platebn\u00edho syst\u00e9mu nebo PayPal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><strong>\u00a0To je ono!<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">PayPal m\u00e1 tendenci nab\u00edzet sv\u00fdm u\u017eivatel\u016fm lep\u0161\u00ed sm\u011bnn\u00e9 kurzy, doru\u010den\u00ed a platebn\u00ed metody, co\u017e z n\u011bj \u010din\u00ed lep\u0161\u00ed volbu ve srovn\u00e1n\u00ed s m\u00edstn\u00edmi bankami. Neznamen\u00e1 to v\u0161ak, \u017ee PayPal zcela eliminoval pot\u0159ebu dom\u00e1c\u00edho platebn\u00edho syst\u00e9mu. N\u011bkolik transakc\u00ed lze zpracovat pouze prost\u0159ednictv\u00edm bank, proto\u017ee mnoho sektor\u016f st\u00e1le nep\u0159ij\u00edm\u00e1 platby p\u0159es PayPal.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Over the past few years, many fields have evolved in the digital market, and manual processes have been replaced by automation. 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