Cada vez son más los negocios que se integran para realizar pagos a través de Terminales de Punto de Servicio (TPV), el problema es que para utilizarlos, se tienen que contactar a un banco o prestador de servicios al cual, se le tiene que pagar una comisión por transacción que se realice.

Es por esto que Marco Martínez Gavica, presidente de la Asociación de Bancos de México (ABM), comentó que durante el mes de marzo será presentada la plataforma CoDi (cobros y pagos digitales desde el celular), además de las terminales de punto de venta y otras herramientas que ayudarán para este tipo de servicios.

Aunque si hacemos memoria, desde diciembre se anunció que el proyecto estaría en consulta pública.

Publicidad

Declaró que actualmente los comercios que ya permiten pagos digitales, contrataron un servicio por medio de su banco y que tienen que pagar comisiones por las transacciones a la insititución lo que, con la llegada de CoDi acabará ya que, con esta plataforma no tendrán que pagar comsiones y el pago se realizará directamente desde el celular.

Va a tomar tiempo

Se reconoce que no será un trabajo rápido, ya que puede tomar más que un par de semanas, pero que esta decisión es para emparejar a México con países que ya han dejado atrás incluso a la terminal punto de venta.

El objetivo es que los smartphones que se encuentran en el país puedan ofreces la opción de pagos y cobros electrónicos al contar con la tecnología CoDi que trabajará junto con el Sistema de Pagos Electrónicos Interbancarios (SPEI) para la administración del organismo.

Otra de las funciones es que se puedan realizar transferencias entre teléfonos, de esta manera no solamente aplicará con comercios.

CoDi funcionará de manera diferente a los métodos que ya conocemos, aunque el más usado será con códigos QR estáticos, que se encontrarán en el establecimiento para que el comprador pueda identificar la cuenta y monto de pago que solicita el vendedor. Aunque también se podrán realizar por medio de NFC o directamente por internet.

 

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