El Banco Central implementó un nuevo medio de pago: el Débito Inmediato
Published date | 29 December 2016 |
Date | 29 December 2016 |
Author | Juan M. Diehl Moreno |
Law Firm | Marval O'Farrell Mairal |
Continuando con su objetivo de proveer un amplio rango de herramientas tecnológicas para enriquecer el sistema financiero (ver “Transferencias inmediatas de fondos a través de dispositivos móviles” en Marval News # 162, y “Nueva normativa en torno a la digitalización del sector financiero” en Marval News # 165), el Banco Central de la República Argentina (el “Banco Central”) emitió la Comunicación “A” 6099 por medio de la cual introdujo un nuevo medio de pago: el Débito Inmediato (el “DEBIN”).
El DEBIN permite a los clientes bancarios autorizar a los proveedores de bienes y servicios (los “Proveedores”) llevar a cabo el cobro directo sobre sus cuentas bancarias. Este medio de pago se encontrará disponible tanto a través de aplicaciones web como móviles, y consiste en:
- una solicitud de autorización de débito ingresada por el Proveedor;
- la autorización del débito por parte del comprador o beneficiario;
- el débito en línea en la cuenta del cliente bancario comprador o beneficiario;
- el crédito en línea en la cuenta del Proveedor.
Este servicio se encontrará disponible para los titulares de cuentas bancarias durante las 24 horas del día, los 7 días de la semana. Las transacciones podrán llevarse a cabo tanto en pesos argentinos como en...
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