Medio de pago QR y su validez
Published date | 22 October 2021 |
Author | Andres Pumarino |
El código QR (del inglés Quick Response code, “código de respuesta rápida”) fue pensado como una evalución del código de barras, a través de una aplicación en internet que puede ser un mapa de localización, un mail, una página web o un perfil en una red social. Su objetivo fue permitir que su contenido se lea a alta velocidad.
Esta aplicación ha comenzado a ser utilizada como un medio de pago de transacción y operación sin contacto su forma de operar consiste en que los usuarios hacen una compra, abren la billetera electrónica en su celular donde tienen asociadas sus cuentas bancarias y tarjetas– eligen un medio de pago, escanean el código del comercio, y la operación se realiza.
Dada el nivel de penetración de celuares y el uso de la aplicación de pago de Código QR hemos procedido a identificar las principales regulacionaes a nivel Latinoamericano en esta materia donde diversos reguladores han definido los alcances normativos para el uso de esta aplicación.
Argentina:
En Argentina el Banco Central el 10 de enero del 2018 a través de una resolución denominada Comunicación “A” 6425 fijó el estándar local para los pagos QR (una tecnología llamada EMVco)[1]. Esta norma señala que el estándar internacional para aceptar pagos que deberá ser utilizado es el EMVCo LLC. La versión del estándar a utilizar es el EMV® QR Code Specification for Payment Systems (EMV QRCPS) Versión 1.0 emitido en julio de 2017. La información de los medios de pago adheridos por el comercio se ubica en el campo ID, entre las posiciones 02 y 51. Si un comercio agrega o elimina información vinculada a la aceptación de un medio de pago, deberá generar y reimprimir un nuevo código QR.
Colombia:
Por su parte en Colombia la Superintendencia Financiera de Colombia publicó el 2019 la Circular Externa 006 del 21 de marzo de 2019, la cual tiene como referencia: Impartir instrucciones relacionadas con la seguridad y calidad para la realización de operaciones mediante códigos QR y que imparte instrucciones relacionadas con la seguridad y calidad para la realización de operaciones mediante códigos QR.[2] A través de ella se comunica que el “Código QR (Quick Response Code): Es un código de respuesta rápida, bidimensional, con estructura cuadrada. Tiene la capacidad de almacenar datos codificados, es de fácil lectura y tiene mayor capacidad de almacenamiento que los códigos universales de productos (UPC por sus siglas en inglés) o códigos de barras. Puede ser estático (su contenido no cambia,...
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