{"id":1067,"date":"2026-02-23T14:20:48","date_gmt":"2026-02-23T19:20:48","guid":{"rendered":"https:\/\/perupayments.com\/?p=1067"},"modified":"2026-02-23T14:39:55","modified_gmt":"2026-02-23T19:39:55","slug":"nuevo-reglamento-sistema-nacional-pagos-peru","status":"publish","type":"post","link":"https:\/\/perupayments.com\/en\/nuevo-reglamento-sistema-nacional-pagos-peru\/","title":{"rendered":"El nuevo est\u00e1ndar para el sistema de pagos: \u00bfQu\u00e9 cambia con el Reglamento del Sistema Nacional de Pagos?"},"content":{"rendered":"

El nuevo rol del Banco Central de Reserva del Per\u00fa<\/a> (BCRP), bajo el nuevo Reglamento, representa uno de los cambios significativos: pasa de tener una mera funci\u00f3n de registro y observaci\u00f3n del mercado a tener un rol de supervisi\u00f3n activa e integral, de autorizaci\u00f3n y licencia, de proveedor de infraestructura y tambi\u00e9n interviene y sanciona, similar a otros reguladores.<\/p>\n

Por ello, a partir del 01 de abril pr\u00f3ximo<\/strong>, empezar\u00e1 a elevarse el est\u00e1ndar del ecosistema de pagos en el Per\u00fa. Con ello, el mensaje para todos los actores es que ya no basta s\u00f3lo cumplir las nuevas normas; se requerir\u00e1 demostrar que se cumple de manera constante y mostrando evidencia.<\/p>\n

Esto implica menos espacio para pr\u00e1cticas con est\u00e1ndares sub\u00f3ptimos y m\u00e1s foco en procesos m\u00e1s claros, controlados y medibles.<\/p>\n

\u00bfQu\u00e9 se exige ahora?<\/strong><\/h4>\n
    \n
  1. M\u00e1s actores en el ecosistema, pero con mayores est\u00e1ndares. <\/strong>El reglamento incluye a m\u00e1s participantes del ecosistema, pero deja en claro que habr\u00e1 menos espacio para operar con criterios propios o poco estandarizados.<\/li>\n
  2. Reglas m\u00e1s claras para participar. <\/strong>Se refuerzan los requisitos de autorizaci\u00f3n y registro, y se establecen consecuencias frente a incumplimientos. La formalidad regulatoria pasa a ser parte del negocio, no solo un requisito administrativo.<\/li>\n
  3. Gobierno corporativo, gesti\u00f3n de riesgos y ciberseguridad como base de la operaci\u00f3n. <\/strong>A la interna, las empresas deber\u00e1n contar con responsabilidades claras, controles definidos, planes de continuidad y gesti\u00f3n adecuada de sus proveedores cr\u00edticos. No bastar\u00e1 pol\u00edticas escritas; deben funcionar en la pr\u00e1ctica.<\/li>\n
  4. Interoperabilidad obligatoria como condici\u00f3n del sistema. <\/strong>La interoperabilidad pasa a ser un requisito para competir, crecer y ofrecer mejor experiencia a los usuarios. Los administradores de infraestructuras deben contar con capacidad tecnol\u00f3gica y operativa para interconectar sus plataformas.<\/li>\n
  5. Experiencia de usuario y niveles m\u00ednimos de servicio. <\/strong>El sistema no solo debe operar, sino hacerlo con niveles adecuados de disponibilidad, desempe\u00f1o y respuesta ante incidentes.<\/li>\n
  6. Mayor transparencia en tarifas. <\/strong>Hay libertad de tarifas, pero una mayor revisi\u00f3n sobre c\u00f3mo se estructuran, buscando evitar barreras a la competencia o la interoperabilidad. Las comisiones tendr\u00e1n costos reales y no ser discriminatorias.<\/li>\n
  7. Supervisi\u00f3n basada en datos. <\/strong>La informaci\u00f3n cobra mayor importancia. Se exigir\u00e1 que los datos reportados sean correctos, oportunos y consistentes, ya que la supervisi\u00f3n ser\u00e1 cada vez m\u00e1s basada en m\u00e9tricas reales.<\/li>\n<\/ol>\n

    Conclusi\u00f3n<\/strong><\/h4>\n

    En el sistema de pagos, la confianza ya no se declara,\u00a0se demuestra.
    \nEl diferencial competitivo en los pr\u00f3ximos meses ser\u00e1 contar con operaciones s\u00f3lidas, interoperables y capaces de evidenciar buen gobierno, gesti\u00f3n de riesgos y desempe\u00f1o consistente.<\/p>\n

     <\/p>\n

    Allyson Nash Sevilla<\/em><\/strong><\/p>\n

    Directora Ejecutiva<\/em><\/strong><\/p>\n

    Per\u00fa Payments Association (PPA)<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"

    El nuevo rol del Banco Central de Reserva del Per\u00fa (BCRP), bajo el nuevo Reglamento, representa uno de los cambios significativos: pasa de tener una mera funci\u00f3n de registro y observaci\u00f3n del mercado a tener un rol de supervisi\u00f3n activa e integral, de autorizaci\u00f3n y licencia, de proveedor de infraestructura y tambi\u00e9n interviene y sanciona, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1067","post","type-post","status-publish","format-standard","hentry","category-sin-categoria"],"yoast_head":"\nNuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa<\/title>\n<meta name=\"description\" content=\"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/perupayments.com\/en\/nuevo-reglamento-sistema-nacional-pagos-peru\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa\" \/>\n<meta property=\"og:description\" content=\"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/perupayments.com\/en\/nuevo-reglamento-sistema-nacional-pagos-peru\/\" \/>\n<meta property=\"og:site_name\" content=\"PeruPayments\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-23T19:20:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-23T19:39:55+00:00\" \/>\n<meta name=\"author\" content=\"AdminPPayments\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"AdminPPayments\" \/>\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\":\"Article\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/\"},\"author\":{\"name\":\"AdminPPayments\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/person\\\/99faf0e537a7617e3f61728da1c73738\"},\"headline\":\"El nuevo est\u00e1ndar para el sistema de pagos: \u00bfQu\u00e9 cambia con el Reglamento del Sistema Nacional de Pagos?\",\"datePublished\":\"2026-02-23T19:20:48+00:00\",\"dateModified\":\"2026-02-23T19:39:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/\"},\"wordCount\":482,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\"},\"articleSection\":[\"Sin categor\u00eda\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/\",\"url\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/\",\"name\":\"Nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#website\"},\"datePublished\":\"2026-02-23T19:20:48+00:00\",\"dateModified\":\"2026-02-23T19:39:55+00:00\",\"description\":\"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/nuevo-reglamento-sistema-nacional-pagos-peru\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/perupayments.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"El nuevo est\u00e1ndar para el sistema de pagos: \u00bfQu\u00e9 cambia con el Reglamento del Sistema Nacional de Pagos?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/\",\"name\":\"PeruPayments\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/perupayments.com\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\",\"name\":\"PeruPayments\",\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/perupayments.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logoPP.png\",\"contentUrl\":\"https:\\\/\\\/perupayments.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logoPP.png\",\"width\":800,\"height\":252,\"caption\":\"PeruPayments\"},\"image\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/peru-payments-association\\\/about\\\/?viewAsMember=true\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/person\\\/99faf0e537a7617e3f61728da1c73738\",\"name\":\"AdminPPayments\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"caption\":\"AdminPPayments\"},\"sameAs\":[\"https:\\\/\\\/perupayments.com\"],\"url\":\"https:\\\/\\\/perupayments.com\\\/en\\\/author\\\/adminppayments\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa","description":"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/perupayments.com\/en\/nuevo-reglamento-sistema-nacional-pagos-peru\/","og_locale":"en_US","og_type":"article","og_title":"Nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa","og_description":"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.","og_url":"https:\/\/perupayments.com\/en\/nuevo-reglamento-sistema-nacional-pagos-peru\/","og_site_name":"PeruPayments","article_published_time":"2026-02-23T19:20:48+00:00","article_modified_time":"2026-02-23T19:39:55+00:00","author":"AdminPPayments","twitter_card":"summary_large_image","twitter_misc":{"Written by":"AdminPPayments","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/#article","isPartOf":{"@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/"},"author":{"name":"AdminPPayments","@id":"https:\/\/perupayments.com\/es\/#\/schema\/person\/99faf0e537a7617e3f61728da1c73738"},"headline":"El nuevo est\u00e1ndar para el sistema de pagos: \u00bfQu\u00e9 cambia con el Reglamento del Sistema Nacional de Pagos?","datePublished":"2026-02-23T19:20:48+00:00","dateModified":"2026-02-23T19:39:55+00:00","mainEntityOfPage":{"@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/"},"wordCount":482,"commentCount":0,"publisher":{"@id":"https:\/\/perupayments.com\/es\/#organization"},"articleSection":["Sin categor\u00eda"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/","url":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/","name":"Nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa","isPartOf":{"@id":"https:\/\/perupayments.com\/es\/#website"},"datePublished":"2026-02-23T19:20:48+00:00","dateModified":"2026-02-23T19:39:55+00:00","description":"El nuevo Reglamento del Sistema Nacional de Pagos en Per\u00fa eleva est\u00e1ndares, refuerza la supervisi\u00f3n del BCRP y exige interoperabilidad real.","breadcrumb":{"@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/perupayments.com\/nuevo-reglamento-sistema-nacional-pagos-peru\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/perupayments.com\/"},{"@type":"ListItem","position":2,"name":"El nuevo est\u00e1ndar para el sistema de pagos: \u00bfQu\u00e9 cambia con el Reglamento del Sistema Nacional de Pagos?"}]},{"@type":"WebSite","@id":"https:\/\/perupayments.com\/es\/#website","url":"https:\/\/perupayments.com\/es\/","name":"PeruPayments","description":"","publisher":{"@id":"https:\/\/perupayments.com\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/perupayments.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/perupayments.com\/es\/#organization","name":"PeruPayments","url":"https:\/\/perupayments.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/perupayments.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/perupayments.com\/wp-content\/uploads\/2024\/12\/logoPP.png","contentUrl":"https:\/\/perupayments.com\/wp-content\/uploads\/2024\/12\/logoPP.png","width":800,"height":252,"caption":"PeruPayments"},"image":{"@id":"https:\/\/perupayments.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/peru-payments-association\/about\/?viewAsMember=true"]},{"@type":"Person","@id":"https:\/\/perupayments.com\/es\/#\/schema\/person\/99faf0e537a7617e3f61728da1c73738","name":"AdminPPayments","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","caption":"AdminPPayments"},"sameAs":["https:\/\/perupayments.com"],"url":"https:\/\/perupayments.com\/en\/author\/adminppayments\/"}]}},"_links":{"self":[{"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/posts\/1067","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/comments?post=1067"}],"version-history":[{"count":10,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/posts\/1067\/revisions"}],"predecessor-version":[{"id":1078,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/posts\/1067\/revisions\/1078"}],"wp:attachment":[{"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/media?parent=1067"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/categories?post=1067"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/perupayments.com\/en\/wp-json\/wp\/v2\/tags?post=1067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}