{"id":8402,"date":"2026-04-06T13:41:55","date_gmt":"2026-04-06T17:41:55","guid":{"rendered":"https:\/\/www.vouga.com.py\/?p=8402"},"modified":"2026-04-06T13:41:56","modified_gmt":"2026-04-06T17:41:56","slug":"actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap","status":"publish","type":"post","link":"https:\/\/www.vouga.com.py\/en\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/","title":{"rendered":"Update to the General Regulation of Paraguay\u2019s Payment Systems (SIPAP)"},"content":{"rendered":"<p>Through Resolution No. 2, Minutes No. 12 dated March 12, 2026, the Central Bank of Paraguay (the \u201cBCP\u201d) approved the new General Regulation of Paraguay\u2019s Payment Systems (SIPAP), introducing a comprehensive update to the regulatory framework applicable to payment systems in the country, in line with Law No. 7503\/2025 on the National Payment System (the \u201cRegulation\u201d).<\/p>\n\n\n\n<p>From a structural standpoint, the Regulation organizes the operation of SIPAP into four main components: (i) general rules; (ii) the regime applicable to the Central Securities Depository (DEPO); (iii) specific provisions for the Real-Time Gross Settlement System (RTGS), the Automated Clearing House (ACH), and the Instant Payment System (IPS); and (iv) the operational rules of the Instant Payment System (IPS).<\/p>\n\n\n\n<p>One of the most relevant aspects of the update is the expansion of the scope of participants. The Regulation expressly includes capital markets entities and payment service providers, including those that initiate payments.<\/p>\n\n\n\n<p>In addition, new tools are incorporated, such as the QR Hub and digital savings deposit certificates (CDA-d), which are part of the initiatives promoted by the BCP to modernize the financial infrastructure.<\/p>\n\n\n\n<p>The new regulatory framework also strengthens participants\u2019 obligations, particularly in relation to information security, risk management, business continuity, and fraud prevention. In this regard, entities are required not only to comply with more demanding technical and operational standards, but also to ensure the availability and efficiency of the payment services offered to users.<\/p>\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\/2026\/03\/Update-to-the-General-Regulation-of-Paraguays-Payment-Systems-SIPAP.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">Download<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Mediante Resoluci\u00f3n N\u00b0 2, Acta N\u00b0 12 de fecha 12 de marzo de 2026, el Banco Central del Paraguay (\u201cBCP\u201d) aprob\u00f3 el nuevo Reglamento General de los Sistemas de Pagos del Paraguay (SIPAP), introduciendo una actualizaci\u00f3n integral del marco normativo aplicable a los sistemas de pagos en el pa\u00eds, en l\u00ednea con la Ley N\u00b0 [&hellip;]<\/p>","protected":false},"author":6,"featured_media":8408,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"iawp_total_views":121,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8402","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>Actualizaci\u00f3n del Reglamento General de los Sistemas de Pagos del Paraguay (SIPAP) - Vouga Abogados<\/title>\n<meta name=\"description\" content=\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. Este documento analiza los mecanismos de licenciamiento, contrataci\u00f3n y fijaci\u00f3n de precios en el sector energ\u00e9tico paraguayo, as\u00ed como las barreras normativas que enfrentan quienes buscan invertir en generaci\u00f3n y transporte de energ\u00eda, en especial a partir de fuentes renovables.\" \/>\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\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actualizaci\u00f3n del Reglamento General de los Sistemas de Pagos del Paraguay (SIPAP) - Vouga Abogados\" \/>\n<meta property=\"og:description\" content=\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. Este documento analiza los mecanismos de licenciamiento, contrataci\u00f3n y fijaci\u00f3n de precios en el sector energ\u00e9tico paraguayo, as\u00ed como las barreras normativas que enfrentan quienes buscan invertir en generaci\u00f3n y transporte de energ\u00eda, en especial a partir de fuentes renovables.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vouga.com.py\/en\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/\" \/>\n<meta property=\"og:site_name\" content=\"Vouga Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-06T17:41:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-06T17:41:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2026\/03\/Noticia-01@3x-100-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1178\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Contenido\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Contenido\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/\",\"url\":\"https:\/\/www.vouga.com.py\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/\",\"name\":\"Actualizaci\u00f3n del Reglamento General de los Sistemas de Pagos del Paraguay (SIPAP) - Vouga Abogados\",\"isPartOf\":{\"@id\":\"https:\/\/www.vouga.com.py\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-del-reglamento-general-de-los-sistemas-de-pagos-del-paraguay-sipap\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2026\/03\/Noticia-01@3x-100-scaled.jpg\",\"datePublished\":\"2026-04-06T17:41:55+00:00\",\"dateModified\":\"2026-04-06T17:41:56+00:00\",\"author\":{\"@id\":\"https:\/\/www.vouga.com.py\/#\/schema\/person\/381df812757210d75d91218e042a44a3\"},\"description\":\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. 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