La Ley de Economía Digital establece que SPEI y CoDi no cobrarán comisiones por transferencias digitales, ni para clientes ni para comercios que reciban pagos.
El Banco de México desarrolló CoDi como un sistema de pagos digitales que funciona en tres pasos desde la aplicación bancaria. El proceso toma entre 4 y 5 segundos: se selecciona la cuenta, se genera o escanea un código QR con el monto, y se confirma la transferencia de manera inmediata. Los comercios pueden recibir pagos mediante QR estático en mostrador, generando códigos desde el celular, o a través de pantallas en puntos de venta. Las instituciones financieras tienen como límite legal diciembre para implementar el sistema, aunque varias planean tenerlo operando antes del Buen Fin en la primera quincena de noviembre.
La ley también impulsa la bancarización mediante cuentas nivel 2 bis, que se abren con identificación simple de forma remota. Los límites de estas cuentas aumentan de 25 mil pesos a 135 mil pesos cuando se agregan transferencias digitales. La digitalización incluye a gobiernos y sectores estratégicos como gasolineras y carreteras, donde se eliminará gradualmente el efectivo.
¿Qué opinas sobre los pagos digitales sin comisiones? Déjanos tu comentario y suscríbete para más información sobre economía digital.
0:00 Pagos sin comisiones: la ventaja de México
1:28 Pagar con el celular en 3 clics (no 15)
2:43 Microempresarios pueden cobrar digitalmente
3:58 Límite de cuenta sube a 135 mil pesos
5:16 Gasolineras y carreteras: adiós al efectivo
5:49 Sin comisiones: ni para clientes ni comercios
#NoticiasMilenio #últimahora #economíadigital #méxico
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Coyote+vs.+Acme%3A+Digital+Release+Date+Announced+After+Box+Office+Hit+Coyote+vs.+Acme+is+finally+getting+a+digital+release+after+smashing+box+office+numbers.+Find+out+when+you+can+stream+it+and+why+it+matters+to+movie+fans.+What+other+surprises+are+coming+next+week%3F%0A%0ASources%3A+Coyote+vs.+Acme+Gets+Digital+Release+Date+After+Box+Office+Success+%28mandatory.com%29%0A%0AImage+credits+%28images+may+be+cropped%29%3A%0A%E2%80%A2+%22Poster+-+Gone+With+the+Wind+01%22+by+Armando+Seguso+%28per+Heritage+Auctions+%29+%E2%80%94+Public+domain+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3APoster_-_Gone_With_the_Wind_01.jpg%0A%E2%80%A2+%22Mandatory+pilgrimage+to+in+%26+out+check.+%285995683689%29%22+by+Antonio+Zugaldia+from+Washington%2C+D.C.%2C+United+States+%E2%80%94+CC+BY+2.0+%28https%3A%2F%2Fcreativecommons.org%2Flicenses%2Fby%2F2.0%29+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3AMandatory_pilgrimage_to_in_%2526_out_check._%285995683689%29.jpg%0A%E2%80%A2+%22Poster+-+Meet+John+Doe+01%22+by+Employee%28s%29+of+Warner+Bros.+%E2%80%94+Public+domain+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3APoster_-_Meet_John_Doe_01.jpg%0A%E2%80%A2+%22The+President%27s+Engagements+Calendar+-+DPLA+-+061de76f3bdedb1c4219b2c8d423661d+%28page+1%29%22+by+Hoover%2C+Herbert%2C+1874-1964+%E2%80%94+Public+domain+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3AThe_President%2527s_Engagements_Calendar_-_DPLA_-_061de76f3bdedb1c4219b2c8d423661d_%28page_1%29.jpg%0A%E2%80%A2+%22Fibber+McGee+Molly+cast+photo%22+by+NBC+Radio+%E2%80%94+Public+domain+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3AFibber_McGee_Molly_cast_photo.JPG%0A%E2%80%A2+%22Enjoying+pizza+and+popcorn+during+a+cozy+movie+night+at+home+with+family%22+by+Shixart1985+%E2%80%94+CC+BY+2.0+%28https%3A%2F%2Fcreativecommons.org%2Flicenses%2Fby%2F2.0%29+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3AEnjoying_pizza_and_popcorn_during_a_cozy_movie_night_at_home_with_family.jpg%0A%E2%80%A2+%22Red+billed+Hornbill+%2812340504503%29%22+by+shankar+s.+from+Dubai%2C+united+arab+emirates+%E2%80%94+CC+BY+2.0+%28https%3A%2F%2Fcreativecommons.org%2Flicenses%2Fby%2F2.0%29+%E2%80%94+https%3A%2F%2Fcommons.wikimedia.org%2Fwiki%2FFile%3ARed_billed_Hornbill_%2812340504503%29.jpg%0A%E2%80%A2+%22Le+com%5Bmmandant+communiste+anglais%5D+J.+Snooks+%28CNews%29+%3A+%5Bphotographie+de+presse%5D+%2F+%5BAgence+Rol%5D+%3B+%5Bd%27apr%C3%A8s+la+photographie+originale+de+l%27agence+photographique+Central+News%5D%22+by+Central+News+%28Agence+photographique%29.+Agence+photographique+pour+le+document+repr%0AMusic%3A+original%2C+composed+for+this+video.%0A%0A%23coyotevsacme+%23boxoffice+%23digitalrelease+https%3A%2F%2Fyoutube.com%2Fchannel%2FUCVVMkxxSXOhoQ9JLpX7cpSw:%20)
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