Wednesday, August 29, 2012

Procesamiento de aportaciones temporalmente suspendido

El pasado 21 de Agosto recibimos la mala noticia que Paypal había limitado la cuenta de Yagruma por supuesto incumplimiento de regulaciones de la OFAC (Office of Foreign Assets Control) del Departamento del Tesoro de los EEUU, sin especificar cuál regulación en concreto. A pesar del tiempo transcurrido no hemos recibido contestación a nuestra apelación al departamento de compliance de Paypal, que es el encargado de evaluar todos estos casos. Indicamos que nada ha cambiado en Yagruma desde que, para recibir el alta en Paypal, se les detalló la operativa del sitio, y se aportaron copias del registro de Yagruma como Asociación (entidad sin ánimo de lucro) en España. También argumentamos que en el entramado de regulaciones de la  OFAC referentes a Cuba, se establecen exenciones para producción artística, o “informational materials”, la existencia de Berman amendment, etc.

A la espera de una resolución final de Paypal, nos dimos a la tarea de buscar una alternativa. Luego de consumir tres días integrando el API de moneybookers.com (empresa de Reino Unido), y de haber recibido el alta, recibimos notificación de que no soportan entidades de “crowdfunding”, y nos cancelaron la cuenta. Desde multicards, radicada en Holanda, nos dijeron que no dan soporte a organizaciones sin ánimo de lucro. De stripe.com amablemente nos respondieron que su departamento legal está estudiando nuestro caso. De alemania, paymill.de, que nos avisarán “tan pronto” cuando abran en España, sin especificar fecha.

No nos quedó más remedio que mirar en casa, en España, donde el comercio electrónico está inmerecidamente atrasado por culpa, entre otras cosas, de la precariedad de las pasarelas de pago, y de la actitud en extremo conservadora de los bancos y los reguladores. Todas la pymes y los desarrolladores se quejan de lo mismo (ver dos ejemplos)

Que sepamos, hay un par de proveedores de pasarelas virtuales, tefpay y paytpv. Ambos cordiales, dispuesto a ayudar, pero víctimas del sistema: con la “iglesia hemos topado”, nos comentan. Se necesita una autorización de un Banco o Caja para poder realizar la integración con estas pasarelas, lo cual se traduce en obtener de tu propio banco un TPV Virtual (número de comercio PUCE), negociar unas comisiones que van desde el 0.5% al 2% o más, y que habiliten la facilidad de cobrar con tarjetas de crédito de fuera de España que suelen no tener el mecanismo 3D secure.

En estos momentos estamos esperando por el resultado del tres gestiones paralelas: Bankia, el banco con que trabaja la Asociación Yagruma, nos responderá en breve si nos autorizan la TPV virtual, Bankinter, que tiene buena oficina virtual, está evaluando en estos momentos si nos abren una cuenta de empresa con TPV incluida. Dos conocidos con conexiones en La Caixa intentan allanarnos el camino allí, porque aquí en Barcelona el asunto no es de entrar por una oficina, quitarse el sombrero y pedir una TPV virtual. TP qué? será sin duda la primera contestación.

Verkami, uno de los sitios de crowdfunding más grandes de España, utiliza la pasarela de Catalunya Caixa, al parecer sin contratiempos. Quizás pueda ser una cuarta alternativa.

Más temprano que tarde encontraremos una pasarela adecuada para Yagruma y la integraremos en el menor tiempo posible. Lamentamos este hiato. Por cierto, extenderemos el período de financiamiento a todos los proyectos para compensar por la interrupción.

Update 1: Bankia nos dicen que no nos aprueban la TPV Virtual. No es inusual esto, la política de correr el menor riesgo posible esta bien extendida

Update 2: La buena noticia es que Bankinter nos indica que nos aprobará un TPV virtual y que el proceso de aprobación suele tardar un par de días. Nada de eso, un desastre, dicen que es un "negocio" de mucho riesgo.

Mantendremos actualizado este post con detalles, y estimados de la integración.


Update 3: Voila! Paymill.de (procesador de pagos Aleman) no aprobó el servicio, así que ya estamos procesando pagos de nuevo, ya tocaba. De todos modos, tendremos una restricciones temporales de las que seguro también saldremos. Estamos trabajando con la caixa para tener otra alternativa para que no nos vuelva a ocurrir lo mismo en el futuro. Gracias por la paciencia. Disculpen las molestias

14 comments:

  1. Es de sobra conocida la reticencia de las entidades Españolas con el comercio electronico. De primera tratan de negarte el TPV, pero si eres cliente viejo, etc. se animan a dartelo siempre que sea utilizando el infernal protocolo de seguridad 3DSecure.

    Por eso es que hay tantos negocios en España que se viran a Paypal y otros en el exterior para procesar sus pagos. Estos estan mas acostumbrados a manejar el riesgo.

    Las entidades de España solo "entienden" de hipotecas... sera por eso que muchas tendran que ser rescatadas.

    ReplyDelete
  2. La misma "historia" con paypal, moneybookers y google checkout tiene la gente de www.phone2cuba.com
    No es fácil preparar "algo" para los cubanos, sin que tenga absolutamente NADA que ver con el desastroso gobierno castrista.
    Paypal es sencillamente un desastre. Mirar más en http://www.screw-paypal.com/

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