¿Qué es una billetera digital y cual es su funcionamiento?

Las «digital wallets» están ganado popularidad y debe saber si es una buena opción para usted 

Las billeteras digitales han existido de alguna forma durante años, pero recientemente, la tecnología ha crecido hasta convertirse en una parte importante de la forma en que realizamos transacciones en todo el mundo. Si está interesado en saber por qué podría querer adoptar una billetera digital, lea más.

¿Qué es una billetera digital?

Una billetera digital, a veces llamada billetera electrónica, es un servicio que le permite pagar cosas, generalmente a través de una aplicación de teléfono móvil. También almacena una serie de otros artículos que podría contener una billetera tradicional, como una licencia de conducir, tarjetas de regalo, boletos para eventos de entretenimiento y pases de transporte. Las billeteras digitales no solo son más fáciles de usar en algunos casos, sino que también se consideran generalmente más seguras que una billetera tradicional.

¿Cómo funcionan las carteras digitales?

El software de billetera digital se aloja tradicionalmente a través de una aplicación móvil en un teléfono inteligente, pero también se puede usar en una variedad de otros formatos, como un dispositivo físico o en su computadora personal. La versión de la aplicación para teléfonos inteligentes de la billetera digital es, con mucho, la más popular en la actualidad debido a su flexibilidad y movilidad.

Estas billeteras digitales generalmente requieren que descargue una aplicación de billetera digital en su teléfono inteligente. Estos pueden ser creados por su banco de elección o un tercero de confianza. Asegúrese de investigar y confirmar la confiabilidad de la empresa antes de proporcionar su información financiera a una aplicación.

Por lo general, debe encontrar un terminal de sistema de punto de venta (POS) que sea compatible con su billetera digital para poder usarlo. Por lo general, podrá identificar esto a través del símbolo sin contacto que se muestra al finalizar la compra. Algunos sistemas POS también le permiten pagar utilizando la tecnología de Transmisión Magnética Segura. Si bien los pagos sin contacto pueden ser más difíciles de encontrar, muchos sistemas POS modernos pueden admitir pagos con transmisión segura magnética.

Una vez que encuentre un sistema POS que sea compatible con su aplicación de billetera digital, simplemente puede sostener su teléfono inteligente cerca de la terminal de ventas para pagar. A veces, incluso puede pagar directamente a través de su aplicación.

Esta regla también se puede aplicar a algunos cajeros automáticos, donde puede retirar efectivo de la aplicación cuando se encuentra cerca de un cajero automático compatible.

¿Cuáles son los diferentes tipos de billeteras digitales?

Las billeteras digitales han ido ganando popularidad lentamente a lo largo de los años. Hay una multitud de aplicaciones de billetera digital para elegir, pero ¿cuál es la adecuada para usted?

Paypal One Touch

Paypal es una de las compañías de pagos digitales más antiguas, así que si está buscando una compañía confiable y probada, ¡no busque más! Paypal One Touch es una extensión de los servicios habituales de Paypal. La aplicación le permite transferir dinero o realizar pagos mucho más rápido de lo habitual, lo que le permite omitir la pantalla de inicio de sesión y el tedioso proceso de ingresar su contraseña. Esta experiencia también se puede tener en su computadora de escritorio, tableta o computadora portátil. La desventaja es que Paypal ( PYPL ) – Get Report todavía cobra una tarifa por transferir desde una tarjeta de crédito o convertir una transacción a una moneda diferente.

Pago de Apple

Apple ( AAPL ): Get Report Pay es una aplicación de billetera digital limpia y optimizada que es exclusivamente para usuarios de iPhone o Apple Watch. Le permite participar en transacciones tanto en la tienda como en línea. En la tienda, simplemente necesita verificar su identidad usando el número pin de su teléfono inteligente o FaceID, luego mantenga su dispositivo cerca de un sistema POS compatible para completar la transacción. Una de las principales ventajas de Apple Pay es la facilidad de la experiencia, lo que le permite realizar pagos sin problemas y de forma segura.

Venmo

Aunque ahora es propiedad de Paypal , la aplicación cuenta con 40 millones de usuarios en abril de 2019. Centrada en un feed similar a una red social, permite transferencias fáciles y sin dolor entre amigos. Sin embargo, algunas pequeñas empresas incluso han comenzado a utilizar la aplicación en lugar de viajes en efectivo.

Todas las transferencias son completamente gratuitas, a menos que esté transfiriendo fondos desde una tarjeta de crédito, cuando se aplica un cargo del 3% a la transacción. Las transferencias instantáneas también están sujetas a un cargo del 1%. Para todas las demás transferencias, hay alrededor de tres días para las transferencias bancarias. Una cosa que hace que esta aplicación sea tan grandiosa es lo fácil que es comenzar. Todo lo que necesita es una dirección de correo electrónico y una cuenta bancaria o tarjeta de crédito.

Samsung Pay

Samsung Pay es una de las aplicaciones de billetera digital más consolidadas disponibles. Han estado en funcionamiento desde 2011. Aunque es solo para usuarios de Samsung ( SSNLF ) , es increíblemente versátil. Le permite pagar en persona, en la aplicación o en línea, con el potencial de ganar recompensas especiales en los principales minoristas y reembolsos en efectivo a lo largo del camino. Esto crea un combo poderoso que es difícil de resistir.

Antes de comprometerse con Samsung Pay , asegúrese de que las instituciones financieras de su elección estén cubiertas. Aunque apoyan a la mayoría de las principales instituciones financieras y a una multitud de pequeñas, nunca está de más volver a verificar.

eWallet

eWallet es una de las pocas aplicaciones móviles de billetera digital que cuesta $ 9.99 en la tienda de aplicaciones. Sin embargo, las sólidas ofertas de la aplicación compensan con creces el costo. eWallet también vende software para computadoras de escritorio Mac o Windows, lo que le permite obtener una experiencia aún más fluida en todos los dispositivos. La aplicación no solo contiene la información de su tarjeta de crédito y débito, sino también sus otros elementos esenciales como:

  • Pasaportes
  • Tarjetas de seguros
  • Tarjetas del programa de fidelización
  • Tarjetas de biblioteca
  • Tarjetas de viajero frecuente de aerolíneas

Es importante tener en cuenta que los pagos móviles no son posibles a través de esta aplicación. En cambio, almacena de forma segura información confidencial y le permite acceder a ella fácilmente.

¿Cuáles son los beneficios de una billetera digital?

Además de simplemente sentir que está viviendo en el futuro, las billeteras digitales tienen muchos beneficios sobre una billetera física. Estas son algunas de las muchas razones por las que es posible que desee considerar la adopción de una aplicación o software de billetera digital.

Conveniencia

En lugar de sacar su tarjeta de su billetera probablemente abultada, simplemente puede sostener su teléfono inteligente en una terminal al momento de pagar y estar listo para comenzar. Los procesos de transacciones en línea también se simplifican, lo que le permite comprar en línea rápidamente. Seamos honestos, también es bastante bueno no tener que llevar una billetera pesada llena de tarjetas y efectivo.

Organización

¿Cuántas veces ha tenido problemas para encontrar algo en su billetera entre su identificación, tarjetas de crédito, tarjetas de recompensa y lealtad y recibos erróneos? Las carteras digitales no tienen este problema. La mayoría de las aplicaciones le permiten organizar fácilmente toda su información de una manera de fácil acceso, lo que le permite ahorrar tiempo en buscar en su billetera los elementos que necesita.

Más seguridad

Las billeteras físicas se pueden perder o robar fácilmente. Si alguna vez ha perdido su billetera debido a un accidente o un robo, sabe de primera mano lo lento y estresante que puede ser cancelar y reemplazar todas sus tarjetas, identificaciones y más. También pierde el dinero en efectivo que llevaba. Una billetera digital niega estos problemas. Incluso si pierde su teléfono, la persona necesitaría romper su contraseña en su teléfono, luego cualquier contraseña o identificación facial utilizada para proteger su aplicación de billetera digital.

Bonificaciones y recompensas adicionales

Muchas aplicaciones de billetera digital brindan a sus usuarios acceso a numerosos beneficios y recompensas que pueden brindarle un poco más de «valor por su dinero» en ciertas compras. Estos beneficios se pueden superponer a los reembolsos en efectivo y las recompensas especiales que ofrecen sus tarjetas de crédito, lo que le permite maximizar sus bonificaciones gratuitas en las compras.

¿Son seguras las carteras digitales?

Si bien siempre debe preocuparse por su información personal, las principales aplicaciones de billetera digital se consideran seguras. De hecho, es probable que sean más seguros que llevar su información financiera y otros documentos confidenciales en una billetera física.

Además, todas las aplicaciones confiables de billetera digital cifran en gran medida la información de pago de sus usuarios, lo que dificulta el compromiso cuando la información se transfiere desde la aplicación al sistema de pago. De hecho, esto puede ayudar a proteger su información si un minorista o empresa a la que compra tiene una fuga de información o un pirateo.

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