{"id":91240,"date":"2020-01-28T11:36:08","date_gmt":"2020-01-28T09:36:08","guid":{"rendered":"https:\/\/ipmark.com\/?p=91240"},"modified":"2020-01-28T11:36:08","modified_gmt":"2020-01-28T09:36:08","slug":"psd2-reto-marketplaces-economia-colaborativa","status":"publish","type":"post","link":"https:\/\/ipmark.com\/?p=91240","title":{"rendered":"La PSD2, reto 2020 para marketplaces y econom\u00eda colaborativa"},"content":{"rendered":"<figure id=\"attachment_91242\" aria-describedby=\"caption-attachment-91242\" style=\"width: 690px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-91242\" src=\"https:\/\/ipmark.com\/wp-content\/uploads\/2020\/01\/psd2-retos-economia-colaborativa.jpg\" alt=\"La PSD2 exige a empresas de econom\u00eda colaborativa como Airbnb a contar con una licencia de entidad de pagos\" width=\"690\" height=\"460\"><figcaption id=\"caption-attachment-91242\" class=\"wp-caption-text\">La PSD2 exige a empresas de econom\u00eda colaborativa como Airbnb a contar con una licencia de entidad de pagos<\/figcaption><\/figure>\n<p><strong>Seg\u00fan c\u00e1lculos de la Uni\u00f3n Europea, las empresas que formen parte de la llamada econom\u00eda colaborativa alcanzar\u00e1n, en 2025, un volumen de negocio superior a los 300.000 millones de euros. Una tendencia en positivo, que tambi\u00e9n seguir\u00e1n los marketplaces, plataformas de venta online en el que ya comercializan el 34% de los ecommerces espa\u00f1oles.&nbsp;<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Ambos modelos de negocio se enfrentan este a\u00f1o a nuevos desaf\u00edos, impulsados por la entrada en vigor de la normativa de pagos europea, <a href=\"https:\/\/ipmark.com\/directiva-europea-de-pago-psd2\/\" target=\"_blank\" rel=\"noopener noreferrer\">PSD2<\/a>. As\u00ed lo indican desde la firma tecnol\u00f3gica PaynoPain, que se\u00f1alan, en concreto, la invalidaci\u00f3n de la exenci\u00f3n de agente comercial para este tipo de negocios.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esto significa que <strong>cualquier marketplace o negocio de econom\u00eda colaborativa que no act\u00fae en exclusiva en nombre del vendedor o del pagador<\/strong> y que, adem\u00e1s, posea o controle fondos,<strong> necesitar\u00e1 una licencia de entidad de pagos.<\/strong>&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Se suman los retos que trae consigo la escalabilidad de una compa\u00f1\u00eda y su internacionalizaci\u00f3n. En el primer caso, explican desde la empresa especializada en m\u00e9todos de pago, conviene <strong>automatizar la gesti\u00f3n de los movimientos de fondos<\/strong>.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ambos modelos de negocio &#8211; marketplaces y empresas de econom\u00eda colaborativa-, cuentan con numerosos usuarios que compran y venden. Y aparecen conceptos como las comisiones, los gastos de transporte o la identificaci\u00f3n de usuarios que se han de tener en cuenta. De ah\u00ed la necesidad, dicen desde la firma, de contar con un proveedor de pagos que automatice de forma eficiente y f\u00e1cil para el cliente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El mismo proveedor deber\u00e1, asimismo, <strong>garantizar la escalabilidad de la herramienta de pagos para afrontar la internacionalizaci\u00f3n de la compa\u00f1\u00eda<\/strong>, y la inclusi\u00f3n de una <strong>API de identificaci\u00f3n y validaci\u00f3n de usuarios<\/strong>. Algo importante, sobre todo, para las firmas de econom\u00eda colaborativa, donde el vendedor tambi\u00e9n puede ser comprador. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Seg\u00fan c\u00e1lculos de la Uni\u00f3n Europea, las empresas que formen parte de la llamada econom\u00eda colaborativa alcanzar\u00e1n, en 2025, un<\/p>\n","protected":false},"author":21,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5895],"tags":[],"class_list":["post-91240","post","type-post","status-publish","format-standard","hentry","category-marketing-digital"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La PSD2, reto 2020 para marketplaces y econom\u00eda colaborativa<\/title>\n<meta name=\"description\" content=\"Seg\u00fan la PSD2, cualquier marketplace o 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