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Pagos electrónicos en el transporte público

El sistema de transporte público puede ser un tanto pausado en algunas ocasiones, es por esto que en MasterCard nos hemos planteado la opción de integrar los pagos electrónicos en el sistema de transporte para que sea más conveniente y eficiente, reduciendo las irregularidades que han limitado su crecimiento y expansión.

En otros países se ha comprobado que esta forma de pago electrónico es una solución cómoda, segura y confiable, que facilita el acceso al sistema de manera ordenada y rápida.

Desde el 2007, se realizó en Polonia un plan piloto para los pagos sin contacto en el transporte público. A principios del 2010 Polonia ya se había convertido en uno de los primeros mercados de pagos sin contacto de la Unión Europea.

Luego de alianzas entre emisores, los consumidores en Polonia disfrutan de la conveniencia de utilizar una sola tarjeta híbrida sin contacto tanto para pagar el transporte público como para realizar sus compras diarias.

Con la implementación del sistema, los choferes de bus ya no tienen que cobrar pasaje o entregar vueltos; mientras que en los trenes ya no existen cobradores.  Todo esto ha mejorado la eficiencia y la velocidad del servicio de transporte en Polonia.

Las tarjetas y dispositivos habilitados para realizar compras sin necesidad de entregar la tarjeta, ofrecen una cómoda, rápida y menos costosa alternativa que el dinero en efectivo.  El pago se realiza por el monto exacto, con lo cual se evita el manejo de grandes cantidades de monedas y efectivo para dar vueltos.

La mayoría de las transacciones sin contacto están autorizadas fuera de línea, y ofrecen la más rápida opción de pago, ya que tarda microsegundos; mientras que las otras interfaces como el chip o la banda magnética, están autorizados en línea a través de una conexión inalámbrica que tarda hasta 12 segundos.

Con las máquinas receptoras de tarjetas sin contacto en Polonia, los viajeros tienen una forma rápida, fácil, conveniente y menos costosa para pagar el transporte. Esta misma tecnología puede ser aplicada en cualquier país que desee aumentar su eficacia y su control sobre el sistema de pagos en el transporte público, es cuestión de unir las voluntades de los diversos entes encargados y reguladores para que en nuestras latitudes también se pueda dar.


Jorge A. Fernández
Director de Adquirencia de MasterCard para Centroamérica

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