Varias fuentes aseguran que este comunicado fue solicitado por bancos y comercios para conocer oficialmente si había periodo transitorio o no para las compras electrónicas o si tenían que aplicar la PSD2 en todas sus amplias y complejas variantes.
En su nota, no obstante, el organismo ha especificado el periodo transitorio que está dispuesto a conceder. El Banco de España, de hecho, mantiene aún contactos con bancos y comercios y con sus homólogos europeos para intentar fijar una fecha común que coincida con la del resto de los países europeos.
“No hay que olvidar que el 60% de las compras de los españoles en comercios electrónicos se realizan fuera de España”, argumentan fuentes bancarias para justificar por qué sería lógico que todos los países europeos contasen con el mismo periodo transitorio.
Está previsto que la Autoridad Bancaria Europea (EBA, en inglés) y los responsables de los bancos centrales de la zona euro decidan en estos días hasta dónde alcanzará el periodo de transición para incorporar las exigencias de la nueva norma europea de pagos.
Algunos países como Reino Unido, Irlanda o Dinamarca, ya han comunicado oficialmente la flexibilidad en el calendario para aplicar la doble autenticación para el e-commerce. Estos países han extendido el periodo de adaptación en 18 meses
Las diferentes asociaciones españolas solicitaron el pasado 23 de julio al Banco de España entre 12 y 18 meses de periodo transitorio, ya que consideran que no están preparados para su aplicación, pero aunque se pusieron de acuerdo para solicitar 14 meses, algunos bancos y comercios han reflexionado y ahora son partidario de que el plazo se amplíe hasta marzo de 2021.
El argumento actual para pedir 18 meses es que si se da una moratoria de 14 meses, la fecha final sería mediados de noviembre de 2020, periodo en el que comienzan ya las compras de Navidad, y podría surgir problemas en los pagos en unas fechas de mayor venta para el comercio.
Fuentes financieras elevan a un 20% de los clientes bancarios españoles los que podrían tener dificultades para realizar una autentificación reforzada en comercios electrónicos si fuese obligatoria la aplicación de la norma el próximo 14 de septiembre.
Fuente: https://www.paymentmedia.com
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