The Government has made official the new way to pay in shops with debit, credit and prepaid cardsS. Starting Tuesday, users will be the only ones able to handle their own plastic.
The measure, intended to prevent the implementation of frauds and scamscame into force this Tuesday, with the publication of Resolution 87/2024 in Official bulletinwhich bears the signature of the head of the Ministry of Trade, Pablo Lavigne.
“All commercial establishments that accept credit, purchase or debit cards to carry out their commercial transactions pursuant to Article 1 of Law No. 25.065 and its amendments, and operate with electronic terminals for the payment of the operations carried out. ( acquisition of terminal data or “POS”), must make them available to the consumer in such a way that, At no time will you lose control or be dispossessed of your cardnot even momentarily, until the operation is completely completed”, establishes the regulation in its article 1.
A very graphic case to exemplify the scope of this measure is that of restaurants: now the waiter, at the time of collection, must bring the payment terminal closer to the table. The goal is Avoid that the card holder loses sight of it e data theft occurs. There are countless reports of cases in which, with a simple photograph of the cards and the document, fraud or unauthorized online purchases have been committed.
Article 2, for its part, specifies that “violations of this resolution will be sanctioned with the sanctions provided for in article 47 of law no. 24.240 and its amendments”.
The next section, however, establishes “an adaptation period of 180 days counted from its entry into force, so that providers adapt customer service services in accordance with the provisions of this resolution.
The provinces of Río Negro, Neuquén and La Pampa had already carried out a pilot test and merchants could not manipulate their customers’ cards.
A project so that the buyer does not have to present the DNI
The deputy of Together for Change Damiano Arabia The bill titled “Free and Secure Handling of Debit, Credit and Prepaid Card Payments” was presented to Congress on Friday.
The initiative of the legislator wanted to do this be repealed the chapter of the credit card law, enacted in 1998, which requires the presentation of the DNI or any document proving the identity of the buyer at the time of payment.
In dialogue with ClarionArabia explained: “This point of the Card Law made sense at the time, today with the technological advances that exist, it has a negative effect. The reality is that all banking and fintech applications allow you to “pause” a card whether to believe that someone has abused it and promptly report the incident.”
“Hand over the document involves unnecessary risks for the buyer and does not reduce cases of fraud or the level of ignorance in trading,” he said.
Source: Clarin
