{"id":89580,"date":"2026-10-20T19:03:27","date_gmt":"2026-10-21T01:03:27","guid":{"rendered":"https:\/\/politicosaldesnudo.com.mx\/?p=89580"},"modified":"2026-10-20T19:03:27","modified_gmt":"2026-10-21T01:03:27","slug":"adios-al-efectivo-senado-aprueba-ley-para-pagos-digitales","status":"publish","type":"post","link":"https:\/\/politicosaldesnudo.com.mx\/index.php\/2026\/10\/20\/adios-al-efectivo-senado-aprueba-ley-para-pagos-digitales\/","title":{"rendered":"\u00bfAdi\u00f3s al efectivo? Senado aprueba ley para pagos digitales"},"content":{"rendered":"<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\"><em><strong>La reforma busca ampliar las transacciones electr\u00f3nicas en M\u00e9xico y otorga a Hacienda facultades para determinar en qu\u00e9 actividades podr\u00edan establecerse pagos exclusivamente digitales.<\/strong><\/em><\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\"><strong>Ciudad de M\u00e9xico.\u2013<\/strong> El Senado de la Rep\u00fablica aprob\u00f3 la Ley de Econom\u00eda Digital para Pagos Digitales y Electr\u00f3nicos, una reforma que busca transformar gradualmente la manera en que se realizan operaciones comerciales y tr\u00e1mites gubernamentales en M\u00e9xico.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La propuesta, impulsada por el gobierno de Claudia Sheinbaum, pretende extender el uso de herramientas electr\u00f3nicas para reducir la dependencia del dinero f\u00edsico y facilitar las transacciones entre ciudadanos, empresas e instituciones p\u00fablicas.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Uno de los puntos m\u00e1s relevantes es la facultad que tendr\u00e1 la Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico (SHCP) para determinar los sectores y actividades econ\u00f3micas en los que podr\u00edan establecerse los pagos digitales como \u00fanico medio de cobro, conforme a las condiciones y los plazos previstos en la legislaci\u00f3n.<\/span><\/p>\n<h2><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">\u00bfQu\u00e9 cambiar\u00e1 con la nueva ley?<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La normativa busca impulsar las operaciones electr\u00f3nicas y ampliar el acceso a los servicios financieros mediante distintas tecnolog\u00edas que permitan realizar pagos sin utilizar necesariamente billetes y monedas.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Entre las herramientas contempladas se encuentran:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Tarjetas de d\u00e9bito y cr\u00e9dito.<\/span><\/li>\n<li><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Transferencias bancarias y domiciliaciones.<\/span><\/li>\n<li><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">C\u00f3digos QR para realizar pagos.<\/span><\/li>\n<li><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Tecnolog\u00eda NFC, que permite efectuar operaciones por proximidad.<\/span><\/li>\n<li><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Dispositivos y plataformas digitales habilitados para transferir recursos.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La reforma tambi\u00e9n contempla medidas para facilitar el pago electr\u00f3nico de tr\u00e1mites y obligaciones gubernamentales, con la intenci\u00f3n de reducir tiempos de espera, desplazamientos y procesos administrativos.<\/span><\/p>\n<h2><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Hacienda decidir\u00e1 d\u00f3nde podr\u00edan limitarse los pagos en efectivo<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Uno de los aspectos que m\u00e1s atenci\u00f3n ha generado es la facultad otorgada a Hacienda para determinar en qu\u00e9 sectores estrat\u00e9gicos y actividades econ\u00f3micas se establecer\u00e1 la exclusividad de los pagos digitales.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La implementaci\u00f3n depender\u00e1 de las disposiciones que emitan las autoridades y de los periodos de transici\u00f3n establecidos para cada actividad.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Esto significa que los establecimientos y los consumidores podr\u00edan enfrentar cambios en la manera de realizar determinadas operaciones, aunque la aprobaci\u00f3n de la ley no implica que el efectivo vaya a desaparecer inmediatamente de todos los comercios del pa\u00eds.<\/span><\/p>\n<h2><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">\u00bfEl dinero en efectivo dejar\u00e1 de utilizarse?<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Aunque la legislaci\u00f3n busca reducir la dependencia del dinero f\u00edsico, no supone que todas las compras y operaciones en M\u00e9xico deban realizarse exclusivamente por medios electr\u00f3nicos desde su entrada en vigor.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">El ordenamiento contempla mecanismos para responder a contingencias que imposibiliten los pagos digitales, como fallas t\u00e9cnicas o problemas de conectividad, situaciones en las que podr\u00edan habilitarse alternativas de pago.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">No obstante, la ampliaci\u00f3n de las operaciones electr\u00f3nicas abre interrogantes sobre las personas que no cuentan con una cuenta bancaria, dispositivos adecuados o acceso estable a internet.<\/span><\/p>\n<h2><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Oposici\u00f3n advierte riesgos para sectores vulnerables<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Durante la discusi\u00f3n legislativa surgieron cuestionamientos sobre las facultades otorgadas a Hacienda y las posibles dificultades que enfrentar\u00eda parte de la poblaci\u00f3n ante una mayor dependencia de los sistemas electr\u00f3nicos.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Entre las principales preocupaciones est\u00e1n las condiciones de las comunidades con conectividad limitada, as\u00ed como las barreras econ\u00f3micas y tecnol\u00f3gicas que dificultan el acceso a los servicios bancarios.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Por su parte, quienes respaldaron la reforma argumentaron que la digitalizaci\u00f3n puede facilitar las operaciones comerciales, mejorar el registro de ingresos de los peque\u00f1os negocios y generar historiales financieros que contribuyan al acceso al cr\u00e9dito.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La discusi\u00f3n tambi\u00e9n incluye herramientas relacionadas con la identificaci\u00f3n y los servicios digitales, orientadas a simplificar determinados procedimientos administrativos.<\/span><\/p>\n<h2><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">\u00bfQu\u00e9 sigue tras la aprobaci\u00f3n?<\/span><\/h2>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">Despu\u00e9s de la aprobaci\u00f3n legislativa, el siguiente paso corresponde al proceso de promulgaci\u00f3n y publicaci\u00f3n del decreto. La aplicaci\u00f3n de las nuevas disposiciones depender\u00e1 de los plazos y las reglas que establezcan las autoridades competentes.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">El cambio plantea un nuevo escenario para consumidores, comercios y dependencias p\u00fablicas. Sin embargo, su impacto depender\u00e1 de los sectores en los que se establezcan nuevas obligaciones y de las medidas que se adopten para evitar que la digitalizaci\u00f3n excluya a quienes tienen menos acceso a la tecnolog\u00eda.<\/span><\/p>\n<p><span style=\"font-size: 14pt; font-family: tahoma, arial, helvetica, sans-serif;\">La pregunta de fondo es si M\u00e9xico cuenta con la infraestructura bancaria y digital necesaria para avanzar hacia un modelo con menos efectivo sin perjudicar a millones de personas que todav\u00eda dependen del dinero f\u00edsico para sus actividades cotidianas.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La reforma busca ampliar las transacciones electr\u00f3nicas en M\u00e9xico y otorga a Hacienda facultades para determinar en qu\u00e9 actividades podr\u00edan [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":89581,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[33],"tags":[],"class_list":["post-89580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacional"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfAdi\u00f3s al efectivo? 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