¿Alguna vez se ha preguntado qué sucede cuando usted paga con una tarjeta de crédito o débito? ¿Qué elementos tecnológicos y financieros intervienen en esta transacción para que se realice el pago? ¿Cómo se establece la relación tarjetahabiente – banco – comercio?
Detrás de una transacción, suceden una serie de pasos que permiten un comercio más ágil y seguro alrededor del mundo. Como tarjetahabientes sólo tenemos que entregar nuestra tarjeta al vendedor para que la inserte en la terminal para realizar un pago y nuestra expectativa es que este proceso tarda unos segundos. Sin embargo, el procesamiento es mucho más complejo de lo que pensamos.
Todo inicia con el contacto del plástico en la terminal que está enlazada al banco al que el comercio está afiliado. Este banco identifica al emisor para solicitar la aprobación de la compra. El emisor revisa que el saldo de la cuenta sea suficiente para aprobar la solicitud de compra. Una vez aprobada se emite el voucher o recibo.
Imagine la cantidad de registros que se tienen que revisar para poder autorizar una transacción. Primero, encontrar entre alrededor de 25,000 opciones al emisor de la tarjeta (el banco, por ejemplo), después comunicarse con éste, quien deberá encontrar entre millones de registros el del tarjetahabiente que quiere hacer la compra (para darle una idea, hay más de 1,9 billones de tarjetas MasterCard en el mundo), para validar su saldo y finalmente responder al comercio del que recibió la solicitud. Recordemos que hay más de 35 millones de comercios afiliados en más de 210 países alrededor del mundo para recibir tarjetas.
Todo este proceso se realiza en 130 milisegundos, la mitad del tiempo que tardamos en parpadear. Son millones las transacciones que suceden a diario en el mundo, más de 65,000 transacciones por minuto.
Así que la próxima vez que realice un pago electrónico piense en lo mucho que ha avanzado la humanidad para poder pagar con un plástico que genera una cadena de acciones y procesos que permiten pagar en cualquier parte del mundo, a cualquier hora, con la mayor seguridad y rapidez.
Gabriel Pascual
Director de MasterCard para Costa Rica, Guatemala y Honduras
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