{"id":8617,"date":"2019-07-01T08:59:32","date_gmt":"2019-07-01T08:59:32","guid":{"rendered":"https:\/\/www.voxelgroup.net\/blog\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2"},"modified":"2021-03-29T16:33:49","modified_gmt":"2021-03-29T15:33:49","slug":"claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2","status":"publish","type":"post","link":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/","title":{"rendered":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2"},"content":{"rendered":"Tiempo de lectura:<\/span> 3<\/span> minutos<\/span><\/span>[vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_link_target=”_self” column_shadow=”none” column_border_radius=”none” width=”1\/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”]
<\/i> <\/div>
Degut a la crisi del coronavirus, el Regne Unit ha tornat a introduir una morat\u00f2ria de 6 mesos per a la implementaci\u00f3 del SCA, dins de la directiva PSD2. Aix\u00ed, el SCA no ser\u00e0 obligatori fins el 14 de setembre de 2021 pel pa\u00eds.<\/p>\n

La resta de pa\u00efsos de la Uni\u00f3 Europea esperen introduir la nova normativa a partir del 31 de desembre de 2020<\/strong>.\u00a0Aquesta morat\u00f2ria es deu principalment a que la majoria de comer\u00e7os no estan preparats per l’aplicaci\u00f3 degut a la complexitat d’implementaci\u00f3 de la directiva. <\/div>

<\/div><\/div>[\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_link_target=”_self” column_shadow=”none” column_border_radius=”none” width=”1\/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]El pr\u00f2xim mes de setembre del 2019 entrar\u00e0 en vigor un nou requisit dins de la Directiva<\/a> Europea PSD2<\/strong> (Payments Services Directive), que regula els est\u00e0ndards de seguretat de les transaccions de pagament, el Strong Customer Authentication<\/strong> (SCA, en angl\u00e8s).<\/p>\n

El SCA s\u2019aplicar\u00e0 a transaccions de pagament en l\u00ednia dins de l\u2019Espai Econ\u00f2mic Europeu (EEE) i requerir\u00e0 al consumidor final un nivell m\u00e9s d\u2019autenticaci\u00f3<\/strong> respecte a les transaccions actuals. \u00c9s a dir, el consumidor haur\u00e0 de presentar almenys dos de tres elements d\u2019identificaci\u00f3 a l\u2019hora de realitzar un pagament per Internet: alguna cosa que el consumidor s\u00e0piga (un PIN), alguna cosa que el consumidor tingui (una targeta de cr\u00e8dit) i alguna cosa que el consumidor sigui (una empremta dactilar, reconeixement facial, etc.). A partir del 14 de setembre del 2019, aquelles transaccions que no compleixin amb el SCA seran rebutjades pels bancs.<\/p>\n

L\u2019objectiu d\u2019aquesta nova regulaci\u00f3 \u00e9s reduir el frau i fer els pagaments en l\u00ednia m\u00e9s segurs, per\u00f2 complir amb el SCA i trobar un equilibri amb l\u2019experi\u00e8ncia d\u2019usuari ser\u00e0 un repte per alguns sectors com el tur\u00edstic<\/strong>.<\/p>\n

En el sector travel, moltes transaccions no es paguen en el moment de fer la compra, on seria f\u00e0cil poder autenticar al consumidor, sin\u00f3 que es guarden les dades de pagament i es carreguen durant el check-out de l\u2019hotel, a vegades amb mesos de difer\u00e8ncia. La multitud d\u2019actors implicats i la complexitat del flux de Caixa fan que el SCA sigui un gran repte pel sector.<\/p>\n

Per aquest motiu, la nova regulaci\u00f3 SCA i la Directiva PSD2 van ser protagonistes d\u2019una taula rodona dins del marc del baVel Travel Summit<\/a>, organitzat per Voxel Group i celebrat a Barcelona els passats 22 i 23 de maig. En general, els experts del sector que hi van participar, en representaci\u00f3 d\u2019OTA\u2019s, hotels i tecnologia de pagaments, van coincidir en els dubtes que aquesta nova normativa est\u00e0 generant entre les empreses.<\/p>\n

\u201cHi ha molta incertesa en qu\u00e8 \u00e9s el que passar\u00e0 i, principalment, aquesta incertesa rau en la implementaci\u00f3 del SCA\u201d, afirma Morten Larsen, Head of Product Marketing & Payments Business a Booking.com<\/strong>. Des del punt de vista hoteler, Gaspar Llabr\u00e9s, Credit & Insurance Senior Director a Meli\u00e1 Hotels International<\/strong>, comparteix l\u2019opini\u00f3 que el SCA els situa dins d\u2019un escenari complex. \u201cEstem esperant que els processadors de pagaments llencin documentaci\u00f3 t\u00e8cnica definitiva per saber exactament qu\u00e8 \u00e9s el que hem de desenvolupar\u201d. D\u2019altra banda, els processadors de pagament tamb\u00e9 es queixen de la falta d\u2019informaci\u00f3. \u201cHi ha hagut una falta d\u2019especificitat en com s\u2019aplicar\u00e0 aquesta regulaci\u00f3 des del punt de vista financer\u201d, afirma Mike Carlo, Board of Directors a HEDNA<\/strong> i CEO a XanderPay<\/strong>.<\/p>\n

Segons la consultora de pagaments i finances digitals, Edgar & Dunn Company<\/strong>, el SCA no nom\u00e9s suposar\u00e0 un problema t\u00e8cnic o legal, sin\u00f3 que impactar\u00e0 directament en el negoci i l\u2019experi\u00e8ncia d\u2019usuari. \u201cEl SCA hauria de formar part de l\u2019estrat\u00e8gia comercial, ja que afectar\u00e0 la totalitat del negoci i les conversions podrien veure\u2019s redu\u00efdes\u201d, va explicar Pascal Burg, Director a Edgar & Dunn Company.<\/p>\n

Per a Booking.com, el problema principal rau en la poca informaci\u00f3 i comunicaci\u00f3 d\u2019una iniciativa que entrar\u00e0 en vigor breument: \u201cTreballem amb molts prove\u00efdors d\u2019allotjament independents, des d\u2019hostals fins a petits hotels independents. El nostre pr\u00f2xim repte \u00e9s educar a aquests col\u00b7laboradors sobre una regulaci\u00f3 tan complexa, ja que ni tan sols saben que existeix i \u00e9s imminent\u201d.<\/p>\n

El SCA entrar\u00e0 en vigor a Europa el 14 de setembre, per\u00f2 la seva implementaci\u00f3 ser\u00e0 d\u2019\u00e0mbit nacional. \u201cSer\u00e0 interessant veure si l\u2019obligatorietat del SCA variar\u00e0 segons el pa\u00eds\u201d, opina Larsen. En aquests moments, es desconeix quin ser\u00e0 l\u2019impacte real d\u2019aquesta regulaci\u00f3, per\u00f2 les parts coincideixen en el fet que \u00e9s imperatiu pels negocis parlar amb les seves entitats gestores per tenir un major coneixement i poder mantenir les conversions.[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

Al setembre de 2019 entrar\u00e0 en vigor el SCA dins de la directiva europea PSD2. <\/p>\n","protected":false},"author":14,"featured_media":7033,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[1632],"tags":[1721,1743,1660],"coauthors":[2141],"class_list":{"0":"post-8617","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-pagaments-electronics","8":"tag-bavel-summit-ca","9":"tag-pagaments-b2b","10":"tag-travel-ca"},"yoast_head":"\nClaus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog<\/title>\n<meta name=\"description\" content=\"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog\" \/>\n<meta property=\"og:description\" content=\"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\" \/>\n<meta property=\"og:site_name\" content=\"Voxel - Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-01T08:59:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-29T15:33:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rodri Milla\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\"},\"author\":{\"name\":\"Rodri Milla\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/person\/104d14fc6ad59ef680562def4dfbcc00\"},\"headline\":\"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2\",\"datePublished\":\"2019-07-01T08:59:32+00:00\",\"dateModified\":\"2021-03-29T15:33:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\"},\"wordCount\":956,\"publisher\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg\",\"keywords\":[\"bavel summit\",\"pagaments b2b\",\"Travel\"],\"articleSection\":[\"Pagaments electr\u00f2nics\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\",\"name\":\"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg\",\"datePublished\":\"2019-07-01T08:59:32+00:00\",\"dateModified\":\"2021-03-29T15:33:49+00:00\",\"description\":\"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg\",\"contentUrl\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg\",\"width\":600,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.voxelgroup.net\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#website\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/\",\"name\":\"Voxel - Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.voxelgroup.net\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#organization\",\"name\":\"Voxel - Blog\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/06\/logo_Voxel_New_Positive_claim_def.webp\",\"contentUrl\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/06\/logo_Voxel_New_Positive_claim_def.webp\",\"width\":912,\"height\":419,\"caption\":\"Voxel - Blog\"},\"image\":{\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/person\/104d14fc6ad59ef680562def4dfbcc00\",\"name\":\"Rodri Milla\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.pngb859439185f6ef64dd04bb06643760a3\",\"url\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.png\",\"contentUrl\":\"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.png\",\"caption\":\"Rodri Milla\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog","description":"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.","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:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/","og_locale":"en_US","og_type":"article","og_title":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog","og_description":"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.","og_url":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/","og_site_name":"Voxel - Blog","article_published_time":"2019-07-01T08:59:32+00:00","article_modified_time":"2021-03-29T15:33:49+00:00","og_image":[{"width":600,"height":300,"url":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg","type":"image\/jpeg"}],"author":"Rodri Milla","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#article","isPartOf":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/"},"author":{"name":"Rodri Milla","@id":"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/person\/104d14fc6ad59ef680562def4dfbcc00"},"headline":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2","datePublished":"2019-07-01T08:59:32+00:00","dateModified":"2021-03-29T15:33:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/"},"wordCount":956,"publisher":{"@id":"https:\/\/www.voxelgroup.net\/blog\/#organization"},"image":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg","keywords":["bavel summit","pagaments b2b","Travel"],"articleSection":["Pagaments electr\u00f2nics"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/","url":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/","name":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2 - Voxel - Blog","isPartOf":{"@id":"https:\/\/www.voxelgroup.net\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage"},"image":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg","datePublished":"2019-07-01T08:59:32+00:00","dateModified":"2021-03-29T15:33:49+00:00","description":"Al setembre de 2019 entrar\u00e0 en vigor el SCA dins la directiva europea PSD2, que regula els est\u00e0ndards de seguretat dels pagaments.","breadcrumb":{"@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#primaryimage","url":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg","contentUrl":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2019\/06\/600x300_BLOGVOXEL_20190701_ClausDirectivaEuropea.jpg","width":600,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/www.voxelgroup.net\/blog\/ca\/claus-per-entendre-la-nova-regulacio-de-pagaments-el-sca-i-la-directiva-psd2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.voxelgroup.net\/blog\/"},{"@type":"ListItem","position":2,"name":"Claus per entendre la nova regulaci\u00f3 de pagaments: el SCA i la Directiva PSD2"}]},{"@type":"WebSite","@id":"https:\/\/www.voxelgroup.net\/blog\/#website","url":"https:\/\/www.voxelgroup.net\/blog\/","name":"Voxel - Blog","description":"","publisher":{"@id":"https:\/\/www.voxelgroup.net\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.voxelgroup.net\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.voxelgroup.net\/blog\/#organization","name":"Voxel - Blog","url":"https:\/\/www.voxelgroup.net\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/06\/logo_Voxel_New_Positive_claim_def.webp","contentUrl":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/06\/logo_Voxel_New_Positive_claim_def.webp","width":912,"height":419,"caption":"Voxel - Blog"},"image":{"@id":"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.voxelgroup.net\/blog\/#\/schema\/person\/104d14fc6ad59ef680562def4dfbcc00","name":"Rodri Milla","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.pngb859439185f6ef64dd04bb06643760a3","url":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.png","contentUrl":"https:\/\/www.voxelgroup.net\/blog\/wp-content\/uploads\/2024\/07\/logo_Voxel_New_firma_email-100x100.png","caption":"Rodri Milla"}}]}},"_links":{"self":[{"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/posts\/8617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/comments?post=8617"}],"version-history":[{"count":0,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/posts\/8617\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/media\/7033"}],"wp:attachment":[{"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/media?parent=8617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/categories?post=8617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/tags?post=8617"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.voxelgroup.net\/blog\/wp-json\/wp\/v2\/coauthors?post=8617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}