{"id":1748,"date":"2025-02-22T21:20:33","date_gmt":"2025-02-22T20:20:33","guid":{"rendered":"https:\/\/www.acconti.sk\/?p=1748"},"modified":"2025-02-22T21:25:30","modified_gmt":"2025-02-22T20:25:30","slug":"uctovanie-platobnych-kariet-v-podnikatelskej-praxi","status":"publish","type":"post","link":"https:\/\/www.acconti.sk\/en\/uctovanie-platobnych-kariet-v-podnikatelskej-praxi\/","title":{"rendered":"\u00da\u010dtovanie platobn\u00fdch kariet v podnikate\u013eskej praxi"},"content":{"rendered":"<div><b>1. \u00da\u010dtovanie platobn\u00fdch kariet v podnikate\u013eskej praxi<br \/>\n<\/b><\/div>\n<div>\n<p>V dne\u0161nej dobe patr\u00ed bezhotovostn\u00fd platobn\u00fd styk medzi najroz\u0161\u00edrenej\u0161ie sp\u00f4soby \u00fahrady za tovar a slu\u017eby. Platobn\u00e9 karty \u2013 n\u00e1stroje, ktor\u00e9 umo\u017e\u0148uj\u00fa nielen v\u00fdbery z bankomatov a bezhotovostn\u00e9 platby v obchodoch, ale aj online transakcie a cash back \u2013 sa stali be\u017enou s\u00fa\u010das\u0165ou finan\u010dn\u00e9ho \u017eivota jednotlivcov aj firiem. Z h\u013eadiska \u00fa\u010dtovn\u00edctva je preto d\u00f4le\u017eit\u00e9 spr\u00e1vne evidova\u0165 nielen pr\u00edjmy prijat\u00e9 prostredn\u00edctvom t\u00fdchto kariet, ale aj \u00fahrady vykon\u00e1van\u00e9 s ich vyu\u017eit\u00edm.<\/p>\n<h2><span style=\"color: #808080;\">Rozdelenie platobn\u00fdch kariet<\/span><\/h2>\n<p>Pri \u00fa\u010dtovan\u00ed transakci\u00ed je nevyhnutn\u00e9 rozli\u0161ova\u0165 medzi dvoma z\u00e1kladn\u00fdmi typmi kariet:<\/p>\n<h3><span style=\"color: #808080;\">Debetn\u00e1 platobn\u00e1 karta<\/span><\/h3>\n<p>Debetn\u00e1 karta je priamo viazan\u00e1 na be\u017en\u00fd \u00fa\u010det jej majite\u013ea. Platby a v\u00fdbery sa realizuj\u00fa z dostupn\u00e9ho zostatku, \u010do znamen\u00e1, \u017ee sa vyu\u017e\u00edvaj\u00fa v\u00fdlu\u010dne vlastn\u00e9 finan\u010dn\u00e9 prostriedky. Z h\u013eadiska \u00fa\u010dtovn\u00edctva ide o prostriedky, ktor\u00e9 patria \u00fa\u010dtovnej jednotke.<\/p>\n<h3><span style=\"color: #808080;\">Kreditn\u00e1 platobn\u00e1 karta<\/span><\/h3>\n<p>Na rozdiel od debetnej karty nie je potrebn\u00e9, aby mal majite\u013e kreditnej karty viazan\u00fd be\u017en\u00fd \u00fa\u010det. T\u00e1to karta funguje na princ\u00edpe \u00faveru \u2013 je spojen\u00e1 s \u00faverov\u00fdm \u00fa\u010dtom a umo\u017e\u0148uje \u010derpanie finan\u010dn\u00fdch prostriedkov a\u017e do schv\u00e1len\u00e9ho \u00faverov\u00e9ho limitu. \u00daver, ktor\u00fd sa spravidla vyzna\u010duje kr\u00e1tkodob\u00fdm charakterom a opakovate\u013enos\u0165ou (revolvingov\u00fd \u00faver), predstavuje cudz\u00ed zdroj krytia.<\/p>\n<h3><span style=\"color: #808080;\">Hlavn\u00fd rozdiel<\/span><\/h3>\n<p>Z\u00e1kladn\u00e9 odl\u00ed\u0161enie medzi t\u00fdmito dvoma typmi spo\u010d\u00edva v p\u00f4vode prostriedkov: debetn\u00e1 karta umo\u017e\u0148uje vyu\u017eitie vlastn\u00fdch finan\u010dn\u00fdch zdrojov, zatia\u013e \u010do kreditn\u00e1 karta sl\u00fa\u017ei na \u010derpanie financi\u00ed poskytovan\u00fdch bankou vo forme kr\u00e1tkodob\u00e9ho \u00faveru.<\/p>\n<\/div>\n<div style=\"margin-top: 20px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00da\u010dtovanie platobn\u00fdch kariet v podnikate\u013eskej praxi<\/p>","protected":false},"author":2,"featured_media":1749,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dph"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - 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