{"id":4794,"date":"2016-06-29T13:21:28","date_gmt":"2016-06-29T13:21:28","guid":{"rendered":"http:\/\/www.finnovista.com\/fraude-en-ecommerce-que-es-un-contracargo\/?lang=en"},"modified":"2020-04-20T05:00:14","modified_gmt":"2020-04-20T05:00:14","slug":"fraude-en-ecommerce-que-es-un-contracargo","status":"publish","type":"post","link":"https:\/\/www.finnosummit.com\/en\/fraude-en-ecommerce-que-es-un-contracargo\/","title":{"rendered":"Fraude en eCommerce – \u00bfQu\u00e9 es un contracargo?"},"content":{"rendered":"

Este es un guest post de V\u00edctor Rico,\u00a0colaborador\u00a0de esta secci\u00f3n.<\/em><\/strong><\/h3>\n
<\/a>

-Haz click sobre la imagen para ampliar-<\/em><\/strong><\/span><\/p><\/div>\n

#FinTecheros, el fraude en eCommerce es una realidad. Por m\u00e1s que tratemos de ocultarlo, es una problem\u00e1tica que afecta a todo el ecosistema por igual, desde emprendedores hasta instituciones financieras. El fraude en comercio electr\u00f3nico se manifiesta a trav\u00e9s de contracargos<\/strong>, t\u00e9rmino que explicar\u00e9 m\u00e1s a detalle en los pr\u00f3ximos p\u00e1rrafos.<\/p>\n

Un contracargo es cuando un comprador online se comunica con el banco que emite su tarjeta de d\u00e9bito o cr\u00e9dito y el banco intenta regresar el monto de la transacci\u00f3n al tarjetahabiente. Ahora bien, existen varios tipos y escenarios de contracargos<\/strong>, como por ejemplo:<\/p>\n

-El tarjetahabiente no reconoce la transacci\u00f3n.<\/span><\/p>\n

-El tarjetahabiente no autoriz\u00f3 la transacci\u00f3n.<\/span><\/p>\n

-El tarjetahabiente no recibi\u00f3 los bienes o servicios que adquiri\u00f3.<\/span><\/p>\n

-El tarjetahabiente afirma que los bienes o servicios no coinciden con lo ofrecido.<\/span><\/p>\n

El banco que emite la tarjeta del comprador, crea una solicitud de contracargo hac\u00eda el negocio que proces\u00f3 la transacci\u00f3n. Los contracargos son una manera de poder proteger a los due\u00f1os de las tarjetas<\/strong> de posibles cargos hechos sin su consentimiento.<\/p>\n

\u00a0<\/div>\n

De acuerdo con <\/span>CyberSource de VISA<\/span><\/a>, M\u00e9xico es el pa\u00eds con el m\u00e1s alto \u00edndice de contracargos en el mundo con 1.9%, m\u00e1s de dos veces que el porcentaje en Europa de 0.8% y tres veces m\u00e1s que el de Estados Unidos o Canad\u00e1 que es de un 0.6%<\/span><\/p>\n

Las soluciones para esta problem\u00e1tica global se derivan de un incremento en las herramientas para verificar la identidad de los usuarios, de la colaboraci\u00f3n entre los miemos del ecosistema para detener en tiempo y forma para regular este problema.<\/span><\/p>\n

Aunque (si bien es cierto) es posible encontrarle un por qu\u00e9 a esta situaci\u00f3n dependiendo del tiempo, lugar y espacio desde donde se realiza una transacci\u00f3n por internet; resolver esta problem\u00e1tica es clave para que la misma detone.<\/strong><\/p>\n

Sobre\u00a0V\u00edctor Rico<\/h4>\n
\n

V\u00edctor<\/span> es un emprendedor FinTech mexicano, Socio Fundador de <\/span>Bayonet<\/span>. Bayonet es el ecosistema de confianza y protecci\u00f3n a trav\u00e9s del cual los comercios con operaciones por internet, alimentan y consultan una base de datos acerca de la reputaci\u00f3n de sus clientes. <\/span>Previo a CoFundar Bayonet, V\u00edctor lider\u00f3 las alianzas estrat\u00e9gicas y esfuerzos comerciales en <\/span>Conekta<\/span>. Como Director de Ventas, logr\u00f3 posicionar a la compa\u00f1\u00eda como una de las empresas l\u00edderes en el mercado de procesamiento de pagos y crecer exponencialmente.\u00a0<\/span>V\u00edctor fue la primera contrataci\u00f3n de ventas en Am\u00e9rica Latina de <\/span>Ooyala<\/span> (adquirida por Telstra en Octubre del 2014) y el empleado n\u00famero 90 de la compa\u00f1\u00eda. Ha sido mentor de programas como 500 Startups, Angel Ventures M\u00e9xico, Naranya Labs, Pitchbull, entre otros.\u00a0<\/span>Se gradu\u00f3 de <\/span>Menlo College<\/span>, la Universidad de Negocios de Silicon Valley en donde obtuvo menci\u00f3n honor\u00edfica como el estudiante atleta internacional de su generaci\u00f3n y estuvo en New Mexico Military Institute.<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Este es un guest post de V\u00edctor Rico,\u00a0colaborador\u00a0de esta secci\u00f3n. #FinTecheros, el fraude en eCommerce es una realidad. Por m\u00e1s que tratemos de ocultarlo, es una [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":4795,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1007],"tags":[904,936,589,937,938],"class_list":["post-4794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-colaborador-en","tag-ecommerce-en","tag-espanol-en-en","tag-fraude-en","tag-victor-rico-en"],"acf":[],"yoast_head":"\nFraude en eCommerce - \u00bfQu\u00e9 es un contracargo? - Finnosummit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finnosummit.com\/en\/fraude-en-ecommerce-que-es-un-contracargo\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fraude en eCommerce - \u00bfQu\u00e9 es un contracargo? - Finnosummit\" \/>\n<meta property=\"og:description\" content=\"Este es un guest post de V\u00edctor Rico,\u00a0colaborador\u00a0de esta secci\u00f3n. #FinTecheros, el fraude en eCommerce es una realidad. 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