{"id":3662,"date":"2019-10-31T11:58:46","date_gmt":"2019-10-31T11:58:46","guid":{"rendered":"https:\/\/blog.payxpert.com\/2019\/10\/31\/cuando-se-aplicara-la-sca\/"},"modified":"2025-11-11T13:49:21","modified_gmt":"2025-11-11T13:49:21","slug":"cuando-se-aplicara-la-sca","status":"publish","type":"post","link":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/","title":{"rendered":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-55870\" src=\"http:\/\/test.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\" alt=\"\" width=\"1000\" height=\"523\"><\/p>\n<p>El 13 de enero de 2018 entr\u00f3 en vigor la nueva Directiva sobre servicios de Pago II (PSD2), y el elemento m\u00e1s importante de este reglamento fue el requisito de una autenticaci\u00f3n reforzada del cliente (SCA) en la mayor\u00eda de los pagos electr\u00f3nicos. Estas nuevas normas tienen por objeto mejorar la seguridad de los pagos y limitar los fraudes durante este proceso de autenticaci\u00f3n.<\/p>\n<p><!--more--><\/p>\n<p>Aunque la PSD2 deb\u00eda haberse aplicado a partir del 14 de septiembre de 2019, la Autoridad Bancaria Europea (ABE) ha concedido un tiempo adicional para la aplicaci\u00f3n de los requisitos de la SCA, los cuales deber\u00e1n aplicarse plenamente antes del 31 de diciembre de 2020. Como consecuencia de este comunicado, algunos reguladores europeos han anunciado un retraso de 18 meses en la aplicaci\u00f3n de la Directiva, como por ejemplo:<\/p>\n<ul>\n<li>El Reino Unido, la Autoridad de Conducta Financiera (FCA) acord\u00f3 en agosto de 2019 un plan de 18 meses para implementar la SCA. De este modo, la FCA ha comunicado que \u00abno tomar\u00e1 medidas de ejecuci\u00f3n contra las empresas cuando haya pruebas de que han tomado las medidas necesarias para cumplir con el plan\u00bb. Una vez finalizado este per\u00edodo de 18 meses, la FCA \u00abespera que todas las empresas hayan realizado los cambios necesarios y realizado las pruebas necesarias para aplicar el SCA\u00bb.<\/li>\n<\/ul>\n<p>Si alguno de vosotros se est\u00e1 preguntando c\u00f3mo afectar\u00e1 el Brexit a este asunto&#8230; No os preocup\u00e9is, en cualquier caso, la SCA deber\u00e1 ser aplicada.<\/p>\n<ul>\n<li>Francia se ha pronunciado en la misma l\u00ednea. El <em>Observatoire de la s\u00e9curit\u00e9 des moyens de paiement<\/em> ha creado un plan de migraci\u00f3n de acuerdo con la comunicaci\u00f3n de la ABE y ha establecido dos plazos diferentes para la aplicaci\u00f3n del SCA y del 3D-secure. En relaci\u00f3n con la SCA, se deber\u00e1 poner en funcionamiento a partir de diciembre de 2020.<\/li>\n<li>Por su parte, el Banco de Espa\u00f1a ha comunicado su decisi\u00f3n de conceder un plazo adicional para el cumplimiento de la DSP2, pero no ha especificado el per\u00edodo de tiempo concreto para completar su implantaci\u00f3n.<\/li>\n<\/ul>\n<p>Es importante recordar que la ABE emite sus \u00abOpiniones\u00bb, pero cada pa\u00eds es responsable de cumplirlas y adaptarlas de la mejor manera posible teniendo en cuenta su pol\u00edtica interna. Por ello, se espera que la ABE publique en breve un dictamen para garantizar que todos los reguladores nacionales de Europa concedan el mismo per\u00edodo de tiempo.<\/p>\n<p>Por ejemplo, en Suecia, la Autoridad de Supervisi\u00f3n Financiera (SFSA) ha confirmado que no se aplicar\u00e1 ning\u00fan per\u00edodo de transici\u00f3n general en relaci\u00f3n con las transacciones a distancia con tarjetas. En cambio, los emisores y adquirentes pueden solicitar a la SFSA de forma individual una pr\u00f3rroga y por lo tanto, concederse una pr\u00f3rroga a casos concretos. Esta situaci\u00f3n resulta muy problem\u00e1tica, ya que va a ser complicado saber si los emisores suecos han solicitado o no a el poder beneficiarse de dicho per\u00edodo de pr\u00f3rroga.<\/p>\n<p>Este hecho nos lleva a plantearnos lo siguiente: \u00bfun retraso desigual en la implementaci\u00f3n de la SCA ser\u00eda una oportunidad o un riesgo? \u00a1Esperamos vuestras opiniones!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?<\/p>\n","protected":false},"author":24,"featured_media":3663,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-3662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-otros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?<\/title>\n<meta name=\"description\" content=\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\" \/>\n<meta property=\"og:description\" content=\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog PayXpert\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-31T11:58:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T13:49:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"523\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"PayXpert\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"PayXpert\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\"},\"author\":{\"name\":\"PayXpert\",\"@id\":\"https:\/\/blog.payxpert.com\/#\/schema\/person\/5d5753763cd3a3550d0e395c85972cc8\"},\"headline\":\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\",\"datePublished\":\"2019-10-31T11:58:46+00:00\",\"dateModified\":\"2025-11-11T13:49:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\"},\"wordCount\":538,\"publisher\":{\"@id\":\"https:\/\/blog.payxpert.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\",\"articleSection\":[\"Otros\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\",\"url\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\",\"name\":\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\",\"isPartOf\":{\"@id\":\"https:\/\/blog.payxpert.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\",\"datePublished\":\"2019-10-31T11:58:46+00:00\",\"dateModified\":\"2025-11-11T13:49:21+00:00\",\"description\":\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\",\"breadcrumb\":{\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage\",\"url\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\",\"contentUrl\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png\",\"width\":1000,\"height\":523},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/blog.payxpert.com\/es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/blog.payxpert.com\/#website\",\"url\":\"https:\/\/blog.payxpert.com\/\",\"name\":\"Blog PayXpert\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/blog.payxpert.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/blog.payxpert.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/blog.payxpert.com\/#organization\",\"name\":\"Blog PayXpert\",\"url\":\"https:\/\/blog.payxpert.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/blog.payxpert.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/payxpert_logo-300x98-1-png.webp\",\"contentUrl\":\"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/payxpert_logo-300x98-1-png.webp\",\"width\":300,\"height\":98,\"caption\":\"Blog PayXpert\"},\"image\":{\"@id\":\"https:\/\/blog.payxpert.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/blog.payxpert.com\/#\/schema\/person\/5d5753763cd3a3550d0e395c85972cc8\",\"name\":\"PayXpert\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/blog.payxpert.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a2fce0d8d6a5a79d9e2c3031f948ce86?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a2fce0d8d6a5a79d9e2c3031f948ce86?s=96&d=mm&r=g\",\"caption\":\"PayXpert\"},\"url\":\"https:\/\/blog.payxpert.com\/es\/author\/brenda\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","description":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/","og_locale":"es_ES","og_type":"article","og_title":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","og_description":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","og_url":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/","og_site_name":"Blog PayXpert","article_published_time":"2019-10-31T11:58:46+00:00","article_modified_time":"2025-11-11T13:49:21+00:00","og_image":[{"width":1000,"height":523,"url":"https:\/\/www.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png","type":"image\/png"}],"author":"PayXpert","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"PayXpert","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#article","isPartOf":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/"},"author":{"name":"PayXpert","@id":"https:\/\/blog.payxpert.com\/#\/schema\/person\/5d5753763cd3a3550d0e395c85972cc8"},"headline":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","datePublished":"2019-10-31T11:58:46+00:00","dateModified":"2025-11-11T13:49:21+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/"},"wordCount":538,"publisher":{"@id":"https:\/\/blog.payxpert.com\/#organization"},"image":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png","articleSection":["Otros"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/","url":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/","name":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","isPartOf":{"@id":"https:\/\/blog.payxpert.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage"},"image":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png","datePublished":"2019-10-31T11:58:46+00:00","dateModified":"2025-11-11T13:49:21+00:00","description":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?","breadcrumb":{"@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#primaryimage","url":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png","contentUrl":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/SCA-PSD2-PayXpert.png","width":1000,"height":523},{"@type":"BreadcrumbList","@id":"https:\/\/blog.payxpert.com\/es\/cuando-se-aplicara-la-sca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.payxpert.com\/es\/"},{"@type":"ListItem","position":2,"name":"\u00bfCu\u00e1ndo se aplicar\u00e1 la SCA?"}]},{"@type":"WebSite","@id":"https:\/\/blog.payxpert.com\/#website","url":"https:\/\/blog.payxpert.com\/","name":"Blog PayXpert","description":"","publisher":{"@id":"https:\/\/blog.payxpert.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.payxpert.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/blog.payxpert.com\/#organization","name":"Blog PayXpert","url":"https:\/\/blog.payxpert.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/blog.payxpert.com\/#\/schema\/logo\/image\/","url":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/payxpert_logo-300x98-1-png.webp","contentUrl":"https:\/\/blog.payxpert.com\/wp-content\/uploads\/sites\/3\/2024\/10\/payxpert_logo-300x98-1-png.webp","width":300,"height":98,"caption":"Blog PayXpert"},"image":{"@id":"https:\/\/blog.payxpert.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.payxpert.com\/#\/schema\/person\/5d5753763cd3a3550d0e395c85972cc8","name":"PayXpert","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/blog.payxpert.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a2fce0d8d6a5a79d9e2c3031f948ce86?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a2fce0d8d6a5a79d9e2c3031f948ce86?s=96&d=mm&r=g","caption":"PayXpert"},"url":"https:\/\/blog.payxpert.com\/es\/author\/brenda\/"}]}},"_links":{"self":[{"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/posts\/3662"}],"collection":[{"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/comments?post=3662"}],"version-history":[{"count":1,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/posts\/3662\/revisions"}],"predecessor-version":[{"id":3667,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/posts\/3662\/revisions\/3667"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/media\/3663"}],"wp:attachment":[{"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/media?parent=3662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/categories?post=3662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.payxpert.com\/es\/wp-json\/wp\/v2\/tags?post=3662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}