{"id":2997,"date":"2026-10-23T13:00:00","date_gmt":"2026-10-23T13:00:00","guid":{"rendered":"https:\/\/www.arqamweb.com\/?p=2997"},"modified":"2026-09-29T18:06:56","modified_gmt":"2026-09-29T18:06:56","slug":"%d8%a8%d9%88%d8%a7%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d8%af%d9%81%d8%b9-%d9%84%d9%84%d9%85%d8%aa%d8%a7%d8%ac%d8%b1","status":"publish","type":"post","link":"https:\/\/www.arqamweb.com\/ar\/%d8%a8%d9%88%d8%a7%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d8%af%d9%81%d8%b9-%d9%84%d9%84%d9%85%d8%aa%d8%a7%d8%ac%d8%b1\/","title":{"rendered":"\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0641\u064a \u0645\u0635\u0631 \u0648\u0627\u0644\u062e\u0644\u064a\u062c"},"content":{"rendered":"<p>\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0641\u064a \u0645\u0635\u0631 \u0648\u0627\u0644\u062e\u0644\u064a\u062c 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\u0648\u0627\u062d\u062f\u060c \u0644\u0623\u0646 \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0627\u0644\u0635\u062d\u064a\u062d\u0629 \u062a\u062a\u063a\u064a\u0631 \u0628\u062a\u063a\u064a\u0631 \u0628\u0644\u062f\u0643 \u0648\u062d\u062c\u0645 \u0637\u0644\u0628\u0627\u062a\u0643.<\/p>\n<h2>\u0645\u0627 \u0647\u064a \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0648\u0644\u0645\u0627\u0630\u0627 \u0644\u0627 \u062a\u0643\u0641\u064a \u0648\u062d\u062f\u0647\u0627\u061f<\/h2>\n<p>\u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0647\u064a \u0627\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u0623\u062e\u0630 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0645\u0646 \u0635\u0641\u062d\u0629 \u0627\u0644\u062f\u0641\u0639 \u0648\u062a\u0631\u0633\u0644\u0647\u0627 \u0644\u0644\u0634\u0628\u0643\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629\u060c \u062b\u0645 \u062a\u0639\u064a\u062f \u0631\u062f\u0627\u064b \u0628\u0627\u0644\u0642\u0628\u0648\u0644 \u0623\u0648 \u0627\u0644\u0631\u0641\u0636. \u0644\u0643\u0646\u0647\u0627 \u0648\u062d\u062f\u0647\u0627 \u0644\u0627 \u062a\u0639\u0637\u064a\u0643 \u0646\u0642\u0648\u062f\u0627\u064b. \u062e\u0644\u0641\u0647\u0627 \u0637\u0631\u0641 \u062b\u0627\u0646\u064d \u0627\u0633\u0645\u0647 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0633\u062a\u062d\u0648\u0630 (Acquirer)\u060c \u0648\u0647\u0648 \u0627\u0644\u0630\u064a \u064a\u062d\u0635\u0651\u0644 \u0627\u0644\u0645\u0628\u0644\u063a \u0648\u064a\u062d\u0648\u0644\u0647 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0628\u0639\u062f \u062e\u0635\u0645 \u0631\u0633\u0648\u0645\u0647.<\/p>\n<p>\u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0632\u0648\u062f\u064a\u0646 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u064a\u062c\u0645\u0639\u0648\u0646 \u0627\u0644\u062f\u0648\u0631\u064a\u0646 \u0641\u064a \u0639\u0642\u062f \u0648\u0627\u062d\u062f. \u0647\u0630\u0627 \u0645\u0631\u064a\u062d\u060c \u0644\u0643\u0646\u0647 \u064a\u0639\u0646\u064a \u0623\u0646 \u0631\u0633\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0627\u0644\u0645\u0639\u0644\u0646 \u064a\u0634\u0645\u0644 \u062d\u0635\u0629 \u0627\u0644\u0634\u0628\u0643\u0629 \u0648\u062d\u0635\u0629 \u0627\u0644\u0628\u0646\u0643 \u0648\u062d\u0635\u0629 \u0627\u0644\u0645\u0632\u0648\u062f \u0645\u0639\u0627\u064b\u060c \u0648\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u062a\u0641\u0643\u064a\u0643\u0647.<\/p>\n<h2>\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u061f<\/h2>\n<p>\u062a\u0646\u0642\u0633\u0645 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0625\u0644\u0649 \u062b\u0644\u0627\u062b\u0629 \u0623\u0646\u0648\u0627\u0639\u060c \u0648\u0644\u0643\u0644 \u0646\u0648\u0639 \u062d\u062f\u0648\u062f \u0648\u0627\u0636\u062d\u0629:<\/p>\n<ul>\n<li><strong>\u0645\u062d\u0644\u064a\u0629<\/strong>: \u0645\u0631\u062e\u0635\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0641\u064a \u0628\u0644\u062f \u0648\u0627\u062d\u062f\u060c \u0648\u062a\u0642\u0628\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0628\u0634\u0643\u0644 \u0637\u0628\u064a\u0639\u064a. \u0627\u0644\u0623\u0642\u0631\u0628 \u0644\u0633\u0648\u0642\u0643 \u0648\u0627\u0644\u0623\u0636\u0639\u0641 \u062e\u0627\u0631\u062c\u0647.<\/li>\n<li><strong>\u0625\u0642\u0644\u064a\u0645\u064a\u0629<\/strong>: \u062a\u0639\u0645\u0644 \u0641\u064a \u0639\u062f\u0629 \u062f\u0648\u0644 \u0639\u0631\u0628\u064a\u0629 \u0628\u0639\u0642\u062f \u0648\u0648\u0627\u062c\u0647\u0629 \u0628\u0631\u0645\u062c\u064a\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0648\u062a\u0646\u0627\u0633\u0628 \u0645\u0646 \u064a\u0628\u064a\u0639 \u0641\u064a \u0623\u0643\u062b\u0631 \u0645\u0646 \u0633\u0648\u0642.<\/li>\n<li><strong>\u0639\u0627\u0644\u0645\u064a\u0629<\/strong>: \u0623\u062f\u0648\u0627\u062a \u062a\u0637\u0648\u064a\u0631 \u0645\u0645\u062a\u0627\u0632\u0629 \u0648\u062a\u0648\u062b\u064a\u0642 \u0623\u0641\u0636\u0644\u060c \u0644\u0643\u0646 \u062a\u063a\u0637\u064a\u062a\u0647\u0627 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0645\u062d\u062f\u0648\u062f\u0629.<\/li>\n<\/ul>\n<p>\u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u062f \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a: \u0635\u0641\u062d\u0629 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0644\u0640Stripe \u062a\u062f\u0631\u062c \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0636\u0645\u0646 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629\u060c \u0648\u0644\u0627 \u062a\u062f\u0631\u062c \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0644\u0627 \u0645\u0635\u0631. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u062a\u062c\u0631\u0643 \u0645\u0633\u062c\u0644\u0627\u064b \u0641\u064a \u0627\u0644\u0642\u0627\u0647\u0631\u0629 \u0623\u0648 \u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0641\u0627\u0644\u0645\u0632\u0648\u062f \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0627\u0644\u0630\u064a \u0642\u0631\u0623\u062a \u0639\u0646\u0647 \u0641\u064a \u0645\u062f\u0648\u0646\u0629 \u0623\u062c\u0646\u0628\u064a\u0629 \u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u062e\u064a\u0627\u0631\u0627\u064b \u0623\u0635\u0644\u0627\u064b.<\/p>\n<h2>\u0643\u0645 \u062a\u0643\u0644\u0641 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0641\u0639\u0644\u064a\u0627\u064b\u061f<\/h2>\n<p>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0645\u0646\u0642\u0648\u0644\u0629 \u0645\u0646 \u0635\u0641\u062d\u0627\u062a \u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0648\u0642\u062a \u0643\u062a\u0627\u0628\u0629 \u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644\u060c \u0648\u0647\u064a \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u063a\u064a\u064a\u0631\u060c \u0641\u0631\u0627\u062c\u0639\u0647\u0627 \u0628\u0646\u0641\u0633\u0643 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0628\u0646\u064a \u0639\u0644\u064a\u0647\u0627 \u062d\u0633\u0627\u0628\u0627\u062a\u0643.<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.arqamweb.com\/wp-content\/uploads\/2026\/09\/payment-gateways-fees-table-ar.jpg\" alt=\"\u062c\u062f\u0648\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0639\u0644\u0649 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0641\u064a \u0645\u0635\u0631 \u0648\u0627\u0644\u062e\u0644\u064a\u062c\" width=\"1200\" height=\"675\" loading=\"lazy\" title=\"\"><figcaption>\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0639\u0644\u0649 \u0635\u0641\u062d\u0627\u062a \u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0644\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631.<\/figcaption><\/figure>\n<table>\n<thead>\n<tr>\n<th>\u0627\u0644\u0645\u0632\u0648\u062f<\/th>\n<th>\u0627\u0644\u0633\u0648\u0642<\/th>\n<th>\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0645\u0639\u0644\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629<\/th>\n<th>\u0631\u0633\u0645 \u0634\u0647\u0631\u064a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Paymob<\/td>\n<td>\u0645\u0635\u0631<\/td>\n<td>2.75% + 3 \u062c\u0646\u064a\u0647\u0627\u062a<\/td>\n<td>\u0644\u0627 \u064a\u0648\u062c\u062f\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0623\u0633\u0628\u0648\u0639\u064a<\/td>\n<\/tr>\n<tr>\n<td>Paymob<\/td>\n<td>\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a<\/td>\n<td>2.9% + 1 \u062f\u0631\u0647\u0645<\/td>\n<td>\u0644\u0627 \u064a\u0648\u062c\u062f\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0623\u0633\u0628\u0648\u0639\u064a<\/td>\n<\/tr>\n<tr>\n<td>Paymob<\/td>\n<td>\u0639\u064f\u0645\u0627\u0646<\/td>\n<td>OmanNet \u0628\u0646\u0633\u0628\u0629 1.5% \u0648\u0641\u064a\u0632\u0627 \u0648\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f 2.5%<\/td>\n<td>\u0644\u0627 \u064a\u0648\u062c\u062f\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0623\u0633\u0628\u0648\u0639\u064a<\/td>\n<\/tr>\n<tr>\n<td>PayTabs (\u0628\u0627\u0642\u0629 Paymes)<\/td>\n<td>\u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/td>\n<td>\u0645\u062f\u0649 1% \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 2.25% + 1 \u0631\u064a\u0627\u0644<\/td>\n<td>49 \u0631\u064a\u0627\u0644\u0627\u064b \u0634\u0647\u0631\u064a\u0627\u064b<\/td>\n<\/tr>\n<tr>\n<td>Geidea<\/td>\n<td>\u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a<\/td>\n<td>\u063a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631\u060c \u0628\u0627\u0644\u062a\u0641\u0627\u0648\u0636<\/td>\n<td>\u063a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631<\/td>\n<\/tr>\n<tr>\n<td>Stripe<\/td>\n<td>\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0641\u0642\u0637 \u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u062b\u0644\u0627\u062b\u0629<\/td>\n<td>\u062d\u0633\u0628 \u0627\u0644\u062d\u0633\u0627\u0628<\/td>\n<td>\u062d\u0633\u0628 \u0627\u0644\u062d\u0633\u0627\u0628<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>PayTabs \u062a\u0643\u062a\u0628 \u0635\u0631\u0627\u062d\u0629 \u0623\u0646 \u0623\u0633\u0639\u0627\u0631 \u0628\u0627\u0642\u0629 Paymes \u0641\u064a \u0645\u0631\u062d\u0644\u0629 \u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0648\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u063a\u064a\u064a\u0631. \u0648Geidea \u0644\u0627 \u062a\u0646\u0634\u0631 \u0633\u0639\u0631\u0627\u064b \u0639\u0644\u0646\u0627\u064b\u060c \u0648\u0647\u0630\u0627 \u0644\u064a\u0633 \u0639\u064a\u0628\u0627\u064b \u0641\u064a \u0630\u0627\u062a\u0647\u060c \u0644\u0643\u0646\u0647 \u064a\u0639\u0646\u064a \u0623\u0646\u0643 \u0644\u0646 \u062a\u0639\u0631\u0641 \u0631\u0642\u0645\u0643 \u0625\u0644\u0627 \u0628\u0639\u062f \u0627\u062c\u062a\u0645\u0627\u0639 \u0645\u0628\u064a\u0639\u0627\u062a.<\/p>\n<h2>\u0644\u0645\u0627\u0630\u0627 \u062a\u0647\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0633\u0645 \u0627\u0644\u0645\u0632\u0648\u062f\u061f<\/h2>\n<p>\u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0645\u062f\u0649 \u0647\u064a \u0634\u0628\u0643\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0648\u0637\u0646\u064a\u0629\u060c \u0648\u062d\u0635\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u064a\u0648\u0645\u064a \u0623\u0643\u0628\u0631 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062f\u0648\u0644\u064a\u0629. \u0645\u062a\u062c\u0631 \u0644\u0627 \u064a\u0642\u0628\u0644 \u0645\u062f\u0649 \u064a\u0641\u0642\u062f \u062c\u0632\u0621\u0627\u064b \u0643\u0628\u064a\u0631\u0627\u064b \u0645\u0646 \u0645\u0634\u062a\u0631\u064a\u064a\u0647 \u0639\u0646\u062f \u0635\u0641\u062d\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0628\u0627\u0634\u0631\u0629. \u0648\u0641\u064a \u0645\u0635\u0631 \u062a\u0648\u062c\u062f \u0645\u064a\u0632\u0629 (Meeza) \u0643\u0634\u0628\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0623\u0637\u0644\u0642\u0647\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0648\u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0628\u062f\u0623 \u0625\u0635\u062f\u0627\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u062c\u064a\u0648\u0627\u0646 (Jaywan) \u0645\u0646 \u0646\u0638\u0627\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u062a\u0627\u0628\u0639 \u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u062a\u0648\u0633\u0651\u0639 \u0642\u0628\u0648\u0644\u0647\u0627 \u062e\u0644\u0627\u0644 2026 \u0644\u064a\u0634\u0645\u0644 \u0634\u0631\u0643\u0627\u062a \u0637\u064a\u0631\u0627\u0646 \u0648\u0645\u062a\u0627\u062c\u0631 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<\/p>\n<p>\u0644\u0630\u0644\u0643 \u0627\u062c\u0639\u0644 \u0633\u0624\u0627\u0644\u0643 \u0627\u0644\u0623\u0648\u0644: \u0647\u0644 \u062a\u0642\u0628\u0644\u0648\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0641\u064a \u0628\u0644\u062f\u064a \u0639\u0644\u0649 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0644\u0627 \u0639\u0644\u0649 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0641\u0642\u0637\u061f \u0628\u0639\u0636 \u0627\u0644\u0645\u0632\u0648\u062f\u064a\u0646 \u064a\u062f\u0639\u0645 \u0627\u0644\u0634\u0628\u0643\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u062a\u062c\u0631 \u0627\u0644\u0641\u0639\u0644\u064a \u0642\u0628\u0644 \u0623\u0646 \u064a\u062f\u0639\u0645\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u062a\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a.<\/p>\n<h2>\u0643\u064a\u0641 \u062a\u062a\u0623\u0643\u062f \u0623\u0646 \u0627\u0644\u0645\u0632\u0648\u062f \u0645\u0631\u062e\u0635\u061f<\/h2>\n<p>\u0644\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0634\u0639\u0627\u0631 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639 \u0627\u0644\u0645\u0632\u0648\u062f. \u0643\u0644 \u0628\u0644\u062f \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0644\u062f\u064a\u0647 \u062c\u0647\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u062a\u0646\u0634\u0631 \u0642\u0648\u0627\u0626\u0645\u0647\u0627:<\/p>\n<ol>\n<li>\u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u064a\u0631\u062e\u0635 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u064a\u0646\u0634\u0631 \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0631\u062e\u0635\u0629 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0647.<\/li>\n<li>\u0641\u064a \u0645\u0635\u0631\u060c \u062a\u0631\u062e\u064a\u0635 \u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u064a\u0645\u0631 \u0639\u0628\u0631 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0645\u0635\u0631\u064a.<\/li>\n<li>\u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u064a\u0646\u0638\u0645 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0648\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a.<\/li>\n<\/ol>\n<p>\u0627\u0628\u062d\u062b \u0639\u0646 \u0627\u0633\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0643\u0645\u0627 \u0647\u0648 \u0641\u064a \u0627\u0644\u0639\u0642\u062f\u060c \u0644\u0627 \u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0630\u064a \u062a\u0631\u0627\u0647 \u0641\u064a \u0627\u0644\u0625\u0639\u0644\u0627\u0646. \u0623\u062d\u064a\u0627\u0646\u0627\u064b \u064a\u062e\u062a\u0644\u0641\u0627\u0646. \u0648\u0628\u0639\u0636 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u062a\u0639\u0645\u0644 \u0643\u0648\u0643\u064a\u0644 \u0644\u0645\u0632\u0648\u062f \u0645\u0631\u062e\u0635 \u0622\u062e\u0631\u060c \u0641\u0627\u0633\u0623\u0644 \u0645\u0646 \u0647\u0648 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u0631\u062e\u0635 \u0641\u064a \u0639\u0642\u062f\u0643.<\/p>\n<h2>\u0645\u0627 \u0627\u0644\u0630\u064a \u062a\u0633\u0623\u0644 \u0639\u0646\u0647 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0642\u0628\u0644 \u0627\u0644\u062a\u0648\u0642\u064a\u0639\u061f<\/h2>\n<p>\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0645\u0639\u0644\u0646 \u0644\u064a\u0633 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629. \u0627\u0633\u0623\u0644 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u0648\u062f \u0648\u0627\u0637\u0644\u0628 \u0625\u062c\u0627\u0628\u0629 \u0645\u0643\u062a\u0648\u0628\u0629:<\/p>\n<ul>\n<li>\u0645\u062f\u0629 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0628\u0646\u0643\u064a\u060c \u0648\u0644\u0645\u0627\u0630\u0627 \u0642\u062f \u062a\u062a\u0623\u062e\u0631.<\/li>\n<li>\u0647\u0644 \u0647\u0646\u0627\u0643 \u0631\u0633\u0645 \u0625\u0639\u062f\u0627\u062f \u0623\u0648 \u0631\u0633\u0645 \u062a\u0643\u0627\u0645\u0644 \u0644\u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629.<\/li>\n<li>\u0631\u0633\u0645 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0644\u0644\u0639\u0645\u064a\u0644 (Refund) \u0648\u0631\u0633\u0645 \u0627\u0644\u0646\u0632\u0627\u0639 (Chargeback).<\/li>\n<li>\u0633\u0642\u0641 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u064a\u0648\u0645\u064a \u0623\u0648 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u062f\u064a\u062f.<\/li>\n<li>\u0647\u0644 \u064a\u062e\u062a\u0644\u0641 \u0627\u0644\u0631\u0633\u0645 \u0628\u064a\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0645\u0646 \u062e\u0627\u0631\u062c \u0627\u0644\u0628\u0644\u062f.<\/li>\n<li>\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0644\u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 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