WhatsApp Pay el nuevo Bizum

WhatsApp Pay el nuevo Bizum

WhatsApp Pay el nuevo Bizum.

El dinero físico tiene los días contados; los pagos electrónicos son protagonistas y ya encuentran en el móvil su hábitat natural.

Llegar a cualquier comercio y apoyar el móvil sobre el lector de tarjetas, o usarlo para enviar dinero a nuestros conocidos; sistemas rápidos y seguros que ahorran tiempo y evitan llenar nuestro bolsillo con dinero suelto.

Se ha rumoreado no pocas veces que WhatsApp estaba trabajando en un sistema de pagos propio (WhatsApp Pay el nuevo Bizum), y en los últimos tiempos dichos rumores se intensificaron hasta cuajar en una filtración en toda regla.

Con la base de operaciones inicial fijada en India, WhatsApp Pay venía de camino al mercado y la última filtración nos muestra algo más, las tripas del sistema.

WhatsApp Pay el nuevo Bizum filtración wabetainfo

Al menos en su inicio, WhatsApp Pay no será un sistema de pagos móviles al uso para poder dejar nuestros ahorros en los distintos comercios.

Aunque la presencia de WhatsApp Business invita a creer que al otro lado de cada tienda puede haber un número de teléfono para completar la transacción.

Y es que WhatsApp Pay parte como un servicio para enviar dinero a otras personas, un envío de dinero entre particulares.

En el centro del sistema, que ya calienta motores para su aterrizaje en India, se encuentra UPI. UPI, o Unified Payment Interface.

Es el equivalente estatal al Bizum que opera en España o a otros sistemas más o menos centralizados de distintos países, un sistema que utiliza, por ejemplo, Google Tez.

UPI se convierte en el centro del servicio y a la vez en el validador, y tanto las entidades como los usuarios han de registrarse en él.

UPI es el servicio centralizado estatal de pagos de la India, un validador y regulador: el estándar en el país que ya usa, por ejemplo, Google Tez

En cuanto el servicio esté activo en la región, y hayamos instalado la versión correcta de WhatsApp compatible con él (por ahora ya aparece en la beta 2.18.44), sólo tendremos que acudir a la configuración de la aplicación para configurarlo.

Abrimos los ajustes de WhatsApp, nos desplazamos a la sección de Pagos que se encuentra bajo la de Notificaciones, y procedemos a completar la configuración.

whatsapp logo horizontal

En primer lugar tendremos el clásico mensaje indicándonos que aceptemos las condiciones del servicio de WhatsApp Pay, condiciones que podremos leer gracias a un enlace en el mismo texto.

Si todo está conforme, podremos pasar al siguiente apartado en el que validaremos nuestro número de teléfono.

Este paso consistirá, a todos los efectos, en el registro de nuestro número en el UPI, pues ahora mismo hablamos únicamente de India.

En el lado contrario, habremos tenido previamente que verificar nuestro número de teléfono en nuestra entidad bancaria.

De forma que UPI pueda enlazar nuestro número de WhatsApp con nuestro banco y así identificarnos en ambos extremos del proceso de pago.

Una vez completado esto, sólo tendremos que decirle a WhatsApp cuál de los de la lista que muestra es nuestro banco.

O el banco con el que queremos realizar los pagos con WhatsApp Pay en caso de tener cuenta con varios de ellos.

Inicialmente, WhatsApp Pay permitirá el envío de dinero entre particulares. Veremos si los pagos a empresas se habilitan en el futuro.

Listo, WhatsApp Pay estará completamente configurado y ya sólo tendremos que elegir, en el momento que queramos, la opción de Enviar dinero a cualquiera de nuestros contactos.

Decidimos la cantidad y ésta viaja a través de UPI de un número a otro, depositándose en la cuenta del beneficiario.

Exactamente igual de ser al revés, aunque en este caso el dinero viajaría hasta nuestra cuenta.

Por ahora, como decimos, se desconoce si el sistema permitirá los pagos a empresas.

Es decir, poder pagar con WhatsApp en una gasolinera, una peluquería o una tienda de electrónica.

Sabiendo que WeChat utiliza un sistema parecido pero con códigos QR, es lícito creer que la presencia de WhatsApp Business permitirá a las empresas habilitar un número de teléfono para estas transacciones, pero para saberlo habrá que esperar algo más.

Así pues, WhatsApp Pay funciona de forma parecida al ya citado WeChat Pay, o a Apple Pay Cash.

Dinero que viaja entre usuarios con la mediación del propio servicio, centralizado por el UPI en India.

Suponemos que cuando aterrice en España será Bizum el encargado de convertirse en el estándar de pago, pero estos procesos son de lenta expansión y aún quedará mucho para que WhatsApp Pay abandone India.

Toca esperar.

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