{"id":1895,"date":"2020-12-07T00:00:00","date_gmt":"2020-12-06T23:00:00","guid":{"rendered":"https:\/\/www.avantio.com\/guia_normativa_psd2\/"},"modified":"2024-01-29T17:59:32","modified_gmt":"2024-01-29T16:59:32","slug":"guia_normativa_psd2","status":"publish","type":"post","link":"https:\/\/www.avantio.com\/es\/blog\/guia_normativa_psd2\/","title":{"rendered":"Normativa PSD2, \u00bfQu\u00e9 va a cambiar y que tengo que hacer?"},"content":{"rendered":"\n<p>Seguramente ya est\u00e1s al tanto de la normativa PSD2 (Payment Service Directive 2) que pr\u00f3ximamente entrar\u00e1 en vigor el 31 de diciembre, pero a\u00fan tendr\u00e1s muchas preguntas sobre su implementaci\u00f3n.\u00a0<\/p>\n\n\n\n<p>Te damos una breve gu\u00eda sobre la normativa, c\u00f3mo se va a aplicar y qu\u00e9 tienes que hacer.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 fin persigue la PSD2?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reducir el fraude<\/strong> en los pagos online y los\u00a0 \u201cchargebacks\u201d, que ya est\u00e1n alcanzando niveles alarmantes en Europa.\u00a0<\/li>\n<li><strong>Abrir el mercado<\/strong> a nuevos competidores y <strong>reducir las comisiones<\/strong> que se cobran por los pagos online.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfC\u00f3mo se va a aplicar la normativa PSD2?\u00a0<\/strong><\/h2>\n\n\n\n<p>La nueva normativa exige que se aplique la autenticaci\u00f3n reforzada (SCA) que pedir\u00e1 alguno de los siguientes factores extra de autenticaci\u00f3n:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Algo que el usuario conoce:<\/strong> el usuario tendr\u00e1 que insertar una contrase\u00f1a o un pin.\u00a0<\/li>\n<li><strong>Algo que el usuario tiene: <\/strong>esto podr\u00eda ser una tarjeta de cr\u00e9dito, un m\u00f3vil o un dispositivo con el cual puede hacer pagos.\u00a0<\/li>\n<li><strong>Algo con que el usuario se puede identificar: <\/strong>este apartado se refiere a biom\u00e9tricas, reconocimiento facial o un scan del iris.<\/li>\n<\/ul>\n\n\n\n<p>Con referencia a este extra factor de autenticaci\u00f3n, como Property Manager no tienes que preocuparte, ya que no tienes que hacer nada.\u00a0<\/p>\n\n\n\n<p>La aplicaci\u00f3n de la SCA y sus protocolos de seguridad la tendr\u00e1 que efectuar los procesadores y los emisores, que son los bancos, las marcas de tarjetas (VISA, MC, AMEX etc.) y las plataformas de pago.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfA qu\u00e9 transacciones afecta?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A las transacciones basadas en <strong>Europa<\/strong> <strong>y<\/strong> para los <strong>clientes europeos<\/strong> (tarjetas emitidas \u00fanicamente por bancos europeos).<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A las ventas online en Europa a trav\u00e9s de la web.<\/li>\n<\/ul>\n\n\n\n<p>Tambi\u00e9n hay que tener en cuenta el tipo de transacciones efectuadas, ya que existen exenciones.\u00a0<\/p>\n\n\n\n<p>Para m\u00e1s informaci\u00f3n sobre estas exenciones puedes verlas <a href=\"https:\/\/www.avantio.es\/blog\/regulacion-psd2\/\">aqu\u00ed.<\/a><\/p>\n\n\n\n<p><strong>Nota:\u00a0 <\/strong>Los <strong>cobros por tarjeta<\/strong> hechos de<strong> forma manual<\/strong> por el property manager se podr\u00e1n seguir haciendo por ahora, pero no son recomendados por su falta de seguridad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un cambio positivo para los Property Managers\u00a0<\/strong><\/h2>\n\n\n\n<p>Tener pagos seguros, no solo genera confianza para tus hu\u00e9spedes, sino tambi\u00e9n puedes reducir el riesgo de los chargebacks.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 pasa con los cobros de tarjetas Offline?<\/strong><\/h2>\n\n\n\n<p>Los pagos de tarjetas offline, se considera c\u00f3mo una operaci\u00f3n MO\/TO, con lo cual no se aplicar\u00e1 la SCA. La raz\u00f3n es porque el turista no est\u00e1 presente durante la transacci\u00f3n.\u00a0<\/p>\n\n\n\n<p>M\u00e1s informaci\u00f3n sobre la exenci\u00f3n MO\/TO <a href=\"https:\/\/www.avantio.es\/blog\/regulacion-psd2\/\">aqu\u00ed\u00a0<\/a><\/p>\n\n\n\n<p>Las <strong>tarjetas <\/strong>de cr\u00e9dito que recibimos desde <strong>Booking <\/strong>, <strong>Expedia<\/strong>, <strong>Homeaway<\/strong> u otros portales podr\u00e1n seguir cobr\u00e1ndose manualmente, sin embargo,\u00a0 estos cobros, al estar fuera de la PSD2,\u00a0 podr\u00e1n ser objeto de charge backs.\u00a0\u00a0<\/p>\n\n\n\n<p>\u00a0La autenticaci\u00f3n solo se pedir\u00e1 en el caso de que el portal sea el que efect\u00fae la transacci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfAvantio me cubre con la nueva normativa PSD2?<\/strong><\/h2>\n\n\n\n<p>Si, desde Avantio, el sistema ya est\u00e1 adaptado y cubre la nueva normativa PSD2.\u00a0<\/p>\n\n\n\n<p>De todas formas te recomendamos que valides con tu banco emisor o plataforma de pagos, quienes son los responsables de aplicar la doble verificaci\u00f3n de autenticaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Presentamos una gu\u00eda r\u00e1pida para los Property Managers sobre la PSD2<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[631,365],"tags":[128,161],"class_list":{"0":"post-1895","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-consejos-de-negocio","7":"category-noticias-alquiler-vacacional","8":"tag-normativa-psd2","9":"tag-psd2"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Normativa PSD2, \u00bfQu\u00e9 va a cambiar y que tengo que hacer? 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