{"id":19137,"date":"2022-02-02T09:21:00","date_gmt":"2022-02-02T09:21:00","guid":{"rendered":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/sistemas-de-pago-de-bajo-valor\/"},"modified":"2022-02-08T16:23:11","modified_gmt":"2022-02-08T16:23:11","slug":"sistemas-de-pago-de-bajo-valor","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/sistemas-de-pago-de-bajo-valor\/","title":{"rendered":"Sistemas de pago de bajo valor"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/19137?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/19137?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p>El pasado mes de octubre la Superintendencia Financiera de Colombia (SFC) public\u00f3 la Circular Externa 020 en materia de adquirencia, servicios de pago y promoci\u00f3n de protecci\u00f3n al consumidor financiero de dichos servicios.<\/p>\n<p>La tendencia de innovaci\u00f3n financiera, el mayor uso de tecnolog\u00eda y el incremento en el flujo del comercio electr\u00f3nico en los \u00faltimos a\u00f1os en Colombia, han generado profundos cambios en el sector de pagos, permitiendo que las transacciones en el mundo se realicen de forma digital e inmediata, en condiciones cada vez m\u00e1s competitivas e interoperables.<\/p>\n<p>En concordancia con lo anterior, la Superintendencia Financiera de Colombia fortalece la reglamentaci\u00f3n que ha sido expedida por el Gobierno en relaci\u00f3n con los Sistemas de Pago de Bajo Valor y en particular sobre las siguientes las actividades: (i) la actividad de adquirencia que realizan los establecimientos de cr\u00e9dito y las Sociedades Especializadas en Dep\u00f3sitos y Pagos Electr\u00f3nicos (SEDPE); y, (ii) provisi\u00f3n de servicios de pago por parte de las Entidades Administradoras de Sistemas de Pago de Bajo Valor (EASPBV).<\/p>\n<p>Entre los aspectos m\u00e1s relevantes destacan:<\/p>\n<ol>\n<li>Se definen las reglas para la vinculaci\u00f3n a EASPBV de los participantes no vigilados que presten servicios de aplicaci\u00f3n de comercio electr\u00f3nico para almacenar, procesar y\/o transmitir el pago correspondiente a operaciones de venta en l\u00ednea con tarjetas d\u00e9bito o cr\u00e9dito.<\/li>\n<li>Se incorporan obligaciones en materia de suministro de informaci\u00f3n a los consumidores financieros por parte de las EASPBV y SEDPE que presten servicios de adquirencia.<\/li>\n<li>Se establecen reglas en materia de gobierno corporativo de las EASPBV.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>El pasado mes de octubre la Superintendencia Financiera de Colombia (SFC) public\u00f3 la Circular Externa 020 en materia de adquirencia, servicios de pago y promoci\u00f3n de protecci\u00f3n al consumidor financiero de dichos servicios. La tendencia de innovaci\u00f3n financiera, el mayor uso de tecnolog\u00eda y el incremento en el flujo del comercio electr\u00f3nico en los \u00faltimos [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":19133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[5861,5862,5863,5864,5865,4816],"class_list":["post-19137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-entidades-administradoras-de-sistemas-de-pago-de-bajo-valor-easpbv-en","tag-participantes-no-vigilados-comercio-electronico-en","tag-sector-de-pagos-en","tag-sistema-de-pago-de-bajo-valor-adquirencia-servicios-de-pago-en","tag-suministro-de-informacion-consumidores-financieros-en","tag-superintendencia-financiera-de-colombia-sfc-en","numero-27m-en","seccion-published-and-draft-legislation-microfinance","pais-colombia-en"],"acf":[],"yoast_head":"<!-- This site is optimized 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