{"id":5409,"date":"2024-09-27T16:22:14","date_gmt":"2024-09-27T20:22:14","guid":{"rendered":"https:\/\/www.vouga.com.py\/?p=5409"},"modified":"2024-09-27T16:22:14","modified_gmt":"2024-09-27T20:22:14","slug":"el-banco-central-del-paraguay-modifica-el-reglamento-de-medios-de-pagos-electronicos","status":"publish","type":"post","link":"https:\/\/www.vouga.com.py\/en\/el-banco-central-del-paraguay-modifica-el-reglamento-de-medios-de-pagos-electronicos\/","title":{"rendered":"The Central Bank of Paraguay amends the Regulations on Electronic Payment Entities"},"content":{"rendered":"<p>Through Resolution No. 9, Act No. 41, dated September 5, 2024 (the \"Resolution\"), the Central Bank of Paraguay (\u201cBCP\u201d) approved modifications to the Regulation on Electronic Payment Methods. These changes aim to improve financial inclusion and optimize the regulation of non-bank electronic transfers and electronic money.<\/p>\n\n\n\n<p>The Resolution introduces new provisions affecting both Electronic Payment Service Providers (EMPEs) and users. Below are the main modifications introduced:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Limits on Electronic Transfers: <\/strong>Non-bank electronic transfers made by senders through agents or points of sale may not exceed, per month, the equivalent of 40 minimum daily wages. In the case of transfers made from bank, financial, or cooperative accounts using the SIPAP system, this limit will not apply. Additionally, transactions between electronic money accounts will have a monthly maximum cap of three minimum wages.<\/li>\n\n\n\n<li><strong>Real-time Processing: <\/strong>Non-bank electronic transfers must be processed and recorded in real-time. The beneficiary may make partial withdrawals as long as they have an electronic money or bank account linked to the transaction.<\/li>\n\n\n\n<li><strong>Inactive Accounts: <\/strong>Balances in inactive accounts, those that show no activity for a period of 180 days, will be transferred to a bank account specified by the account holder. If the account holder does not have a bank account, the EMPE must open one on behalf of the holder.<\/li>\n\n\n\n<li><strong>Safeguarding Users\u2019 Funds: <\/strong>Account holders\u2019 funds will be guaranteed through the creation of a separate fund or through deposits with the BCP. These funds must cover 100% of the balance in electronic money and will be subject to daily reconciliation mechanisms.<\/li>\n\n\n\n<li><strong>Control and Supervision Measures: <\/strong>The BCP may request additional information from EMPEs and will be responsible for supervising compliance with the regulation. Additionally, EMPEs must implement control systems to track transactions and verify compliance with established limits.<\/li>\n<\/ol>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-92fc3979 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 botonblog is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-vivid-red-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2024\/09\/VOUGA_-Novedades-en-BF_BCP-res3_9_ING.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">Download<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Mediante la Resoluci\u00f3n N\u00b0 9, Acta N\u00b0 41 de fecha 5 de septiembre de 2024 (la \u201cResoluci\u00f3n\u201d), el Banco Central del Paraguay (\u201cBCP\u201d) aprob\u00f3 modificaciones al Reglamento de Medios de Pagos Electr\u00f3nicos, con el objetivo de mejorar la inclusi\u00f3n financiera y optimizar la regulaci\u00f3n de las transferencias electr\u00f3nicas no bancarias y del dinero electr\u00f3nico. La [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"iawp_total_views":9,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El Banco Central del Paraguay modifica el Reglamento de Medios de Pagos Electr\u00f3nicos - Vouga Abogados<\/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.vouga.com.py\/en\/el-banco-central-del-paraguay-modifica-el-reglamento-de-medios-de-pagos-electronicos\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Banco Central del Paraguay modifica el Reglamento de Medios de Pagos Electr\u00f3nicos - Vouga Abogados\" \/>\n<meta property=\"og:description\" content=\"Mediante la Resoluci\u00f3n N\u00b0 9, Acta N\u00b0 41 de fecha 5 de septiembre de 2024 (la \u201cResoluci\u00f3n\u201d), el Banco Central del Paraguay (\u201cBCP\u201d) aprob\u00f3 modificaciones al Reglamento de Medios de Pagos Electr\u00f3nicos, con el objetivo de mejorar la inclusi\u00f3n financiera y optimizar la regulaci\u00f3n de las transferencias electr\u00f3nicas no bancarias y del dinero electr\u00f3nico. 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