{"id":14109,"date":"2014-03-28T00:00:00","date_gmt":"2014-03-27T23:00:00","guid":{"rendered":"http:\/\/wordpress.ingenierosbizkaia.eus:81\/que-es-y-para-que-sirve-sepa\/"},"modified":"2014-03-28T00:00:00","modified_gmt":"2014-03-27T23:00:00","slug":"que-es-y-para-que-sirve-sepa","status":"publish","type":"post","link":"https:\/\/www.ingenierosbizkaia.eus\/eu\/que-es-y-para-que-sirve-sepa\/","title":{"rendered":"\u00bfQu\u00e9 es y para qu\u00e9 sirve la SEPA?"},"content":{"rendered":"<p><!-- Generated by XStandard version 3.0.0.0 on 2014-04-07T10:14:43 --><\/p>\n<p>Con este nuevo sistema de pagos se producen los siguientes cambios:<\/p>\n<ul>\n<li><strong>Transferencias:<\/strong> Con SEPA se realizar\u00e1n en base a los c\u00f3digos BIC e IBAN.<\/li>\n<li><strong>\u00d3rdenes de domiciliaci\u00f3n:<\/strong> Igual que ahora, para que un emisor de recibos pueda cargar en cuenta de un cliente, necesita su autorizaci\u00f3n expresa (no cambian los que ya estaban autorizados antes). La devoluci\u00f3n de los adeudos se somete a la normativa de servicios de pago (m\u00e1ximo de 13 meses para solicitar rectificaci\u00f3n de operaciones incorrectas o no autorizadas; 8 semanas para devolver recibos autorizados cuando el importe supere el que el ordenante pod\u00eda esperar razonablemente; 10 d\u00edas h\u00e1biles para que la entidad devuelva los cargos o rechace la devoluci\u00f3n).<\/li>\n<li><strong>Tarjetas:<\/strong> La principal novedad en las tarjetas de d\u00e9bito y cr\u00e9dito es el chip EMV. A d\u00eda de hoy, la mayor parte de las tarjetas emitidas por las entidades espa\u00f1olas cuentan ya con el chip y los TPV de la mayor\u00eda de los comercios nacionales est\u00e1n preparados para esta nueva forma de pago, cuyo principal cambio es que ahora se exige teclear el PIN de la tarjeta para confirmar la compra. De esta manera, las operaciones son m\u00e1s seguras y se evitan las falsificaciones de firmas.<\/li>\n<\/ul>\n<p>Estos cambios producidos por esta nueva normativa SEPA, nos han obligado a modificar diversos Impresos y Procedimientos de Calidad de los Servicios del Colegio con el fin de adaptarnos a dicha normativa.<\/p>\n<p><strong>A partir del pr\u00f3ximo 1 de abril ser\u00e1 necesario para domiciliar cualquier cobro, aportar un nuevo impreso denominado Orden de Domiciliaci\u00f3n de Adeudo Directo SEPA que se ha confeccionado a tal efecto, el cual ser\u00e1 requerido con firma manuscrita o electr\u00f3nica de los colegiados o de las empresas, seg\u00fan el caso.<\/strong><\/p>\n<p>Este nuevo impreso se utilizar\u00e1 para nuevas autorizaciones de domiciliaciones bancarias en el Colegio, como por ejemplo, a la hora de colegiarse, de darse de alta como empresa en los servicios de visado, verificaci\u00f3n y\/o registro de libros de incidencias, inscripciones a cursos y\/o jornadas o cambios de n\u00ba de cuenta de domiciliaci\u00f3n bancaria existentes, etc.<\/p>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Zona \u00danica de Pagos en Euros &#8211; SEPA permite disponer de normas comunes a la hora de hacer transferencias bancarias, domiciliaciones y pagos con tarjetas en Europa.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-14109","post","type-post","status-publish","format-standard","hentry","category-ejercicio-profesional"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es y para qu\u00e9 sirve la SEPA? 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