[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.auria.cz\/proc-a-jak-platit-bezhotovostne\/#Article","mainEntityOfPage":"https:\/\/www.auria.cz\/proc-a-jak-platit-bezhotovostne\/","headline":"Pro\u010d a jak platit bezhotovostn\u011b","name":"Pro\u010d a jak platit bezhotovostn\u011b","description":"Bezhotovostn\u00ed placen\u00ed \u0161et\u0159\u00ed nejen \u010das, ale m\u016f\u017ee b\u00fdt tak\u00e9 dobr\u00e9 pro \u017eivotn\u00ed prost\u0159ed\u00ed. Podle Evropsk\u00e9 centr\u00e1ln\u00ed banky bylo nutn\u00e9 pro vystaven\u00ed bankovek v roce 2003 tolik energie, jako kdyby ka\u017ed\u00fd ob\u010dan EU po dobu 12 hodin nechal rozsv\u00edcenou 60 wattovou \u017e\u00e1rovku (asi 22,7 miliardy kilowatthodin). Tolik elekt\u0159iny vyrob\u00ed st\u0159edn\u011b velk\u00e1 jadern\u00e1 elektr\u00e1rna za dva roky. […]","datePublished":"2025-02-23","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.auria.cz\/author\/#Person","name":"","url":"https:\/\/www.auria.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"auria.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.auria.cz\/wp-content\/uploads\/img_a341147_w2723_t1553891252.jpg","url":"https:\/\/www.auria.cz\/wp-content\/uploads\/img_a341147_w2723_t1553891252.jpg","height":0,"width":0},"url":"https:\/\/www.auria.cz\/proc-a-jak-platit-bezhotovostne\/","about":["Finance"],"wordCount":481,"articleBody":"Bezhotovostn\u00ed placen\u00ed \u0161et\u0159\u00ed nejen \u010das, ale m\u016f\u017ee b\u00fdt tak\u00e9 dobr\u00e9 pro \u017eivotn\u00ed prost\u0159ed\u00ed. Podle Evropsk\u00e9 centr\u00e1ln\u00ed banky bylo nutn\u00e9 pro vystaven\u00ed bankovek v roce 2003 tolik energie, jako kdyby ka\u017ed\u00fd ob\u010dan EU po dobu 12 hodin nechal rozsv\u00edcenou 60 wattovou \u017e\u00e1rovku (asi 22,7 miliardy kilowatthodin). Tolik elekt\u0159iny vyrob\u00ed st\u0159edn\u011b velk\u00e1 jadern\u00e1 elektr\u00e1rna za dva roky. K tomu se p\u0159id\u00e1v\u00e1 i ekologick\u00fd dopad p\u0159epravy hotovosti.Proti tomu jde samoz\u0159ejm\u011b fakt, \u017ee pro bezhotovostn\u00ed platby mus\u00ed existovat technick\u00e1 infrastruktura, od bankomatu ve 24 hodinov\u00e9m provozu a\u017e po \u010dte\u010dky karet v obchodech a restaurac\u00edch. Pen\u011b\u017en\u00ed karty jsou obvykle vyrobeny z plastu (PVC), kter\u00fd je \u0161kodliv\u00fd pro \u017eivotn\u00ed prost\u0159ed\u00ed. N\u011bkter\u00e9 banky v\u0161ak pou\u017e\u00edvaj\u00ed alespo\u0148 bioplast.\t\tBezkontaktn\u00ed platby U \u010d\u00e1stek ni\u017e\u0161\u00edch ne\u017e 500 K\u010d lze kartu jednodu\u0161e ulo\u017eit na okraj termin\u00e1lu a \u010d\u00e1stka se pot\u00e9 odep\u00ed\u0161e – bez podpisu nebo PIN.NFC je obzvl\u00e1\u0161t\u011b vhodn\u00fd, proto\u017ee sta\u010d\u00ed, aby se karta nach\u00e1zela v bl\u00edzkosti \u010dte\u010dky karet. NFC je proto i bezpe\u010dnostn\u00edm probl\u00e9mem, proto\u017ee i neautorizovan\u00e9 osoby mohou teoreticky ode\u010d\u00edst mal\u00e9 \u010d\u00e1stky, kter\u00e9 jsou bez PIN-u nebo podpisu. Ale nemus\u00edte m\u00edt obavy, v praxi se takov\u00fd p\u0159\u00edpad objev\u00ed jen z\u0159\u00eddkakdy p\u0159\u00edpad a je pro to nezbytn\u00e9 vybaven\u00ed.R\u016fzn\u00e9 kreditn\u00ed karty umo\u017e\u0148uj\u00ed bezhotovostn\u00ed platbu v obchodech a na internetu.\t\u25cf\u00a0\u00a0\u00a0\u00a0 Chargekarta: v\u00fddaje zpo\u010d\u00e1tku jsou placeny z \u00fa\u010dtu kreditn\u00ed karty. Jednou m\u011bs\u00ed\u010dn\u011b se v\u00fddaje hrad\u00ed prost\u0159ednictv\u00edm propojen\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Po celou dobu neplat\u00edte \u017e\u00e1dn\u00e9 \u00faroky, zato mus\u00edte sv\u016fj dluh splatit cel\u00fd jednor\u00e1zov\u011b.\t\u25cf\u00a0\u00a0\u00a0\u00a0 Revolvingov\u00e1 kreditn\u00ed karta:pracuje podobn\u011b jako Chargekarta. V\u00fddaje v\u0161ak lze hradit i ve spl\u00e1tk\u00e1ch. Pak ale je nutno platit i relativn\u011b vysok\u00e9 \u00farokov\u00e9 sazby.\t\t\tPlatit pomoc\u00ed smartphone: mnoho poskytovatel\u016f m\u016f\u017ee zp\u016fsobit zmatekS platebn\u00edm \u010dipem ve form\u011b n\u00e1lepky nebo implementovan\u00e9ho \u010dipu na SIM kart\u011b je mo\u017en\u00e9 platit s telefonem v obchodech. Existuje v\u0161ak mnoho poskytovatel\u016f, kte\u0159\u00ed sleduj\u00ed r\u016fzn\u00e9 p\u0159\u00edstupy:\t\u25cf\u00a0\u00a0\u00a0\u00a0 Aplikace obchod\u016f – pay by appnab\u00edz\u00ed n\u011bkter\u00e9 obchody, kter\u00e9 tak\u00e9 vytvo\u0159ili vlastn\u00ed aplikace. Obvykle naskenujete k\u00f3d z obrazovky smartphonu a p\u0159idru\u017e\u00edte platbu k \u00fa\u010dtu.\t\u25cf\u00a0\u00a0\u00a0\u00a0 NFC:smartphony vybaven\u00e9 technologi\u00ed „Near Field Technology“ (NFC) mohou platit tak\u00e9 prost\u0159ednictv\u00edm slu\u017eby Apple Pay, Samsung Pay nebo Google Pay. Tato funkce je tak\u00e9 snadno dovybaviteln\u00e1. Pro v\u0161echny t\u0159i slu\u017eby mus\u00edte v nastaven\u00ed smartphonu ulo\u017eit kreditn\u00ed kartu. P\u0159i platb\u011b pak smartphone p\u0159ed\u00e1 informace o kreditn\u00ed kart\u011b do termin\u00e1lu.\t\u25cf\u00a0\u00a0\u00a0\u00a0 Aplikace bank:n\u011bkter\u00e9 banky tak\u00e9 poskytuj\u00ed aplikace pro sv\u00e9 z\u00e1kazn\u00edky k placen\u00ed. Aplikace jsou tak\u00e9 z\u00e1visl\u00e9 na NFC a zpracov\u00e1n\u00ed platby, jakmile budete dr\u017eet smartphone na termin\u00e1lu prodejn\u00edho m\u00edsta.                                                                                                                                                                                                                                                                                                                                                                                                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