{"id":22410,"date":"2025-10-14T15:58:07","date_gmt":"2025-10-14T20:58:07","guid":{"rendered":"https:\/\/puntored.co\/?p=22410"},"modified":"2025-10-14T17:54:56","modified_gmt":"2025-10-14T22:54:56","slug":"devoluciones-en-pagos-masivos-latam","status":"publish","type":"post","link":"https:\/\/puntored.co\/en\/devoluciones-en-pagos-masivos-latam\/","title":{"rendered":"Devoluciones en pagos masivos: errores comunes y soluci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22410\" class=\"elementor elementor-22410\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-818130c e-flex e-con-boxed e-con e-parent\" data-id=\"818130c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f8d4532 elementor-widget elementor-widget-heading\" data-id=\"2f8d4532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Devoluciones en pagos masivos transforman la experiencia del cliente y la eficiencia empresarial. Automatizaci\u00f3n, cashback y pagos inmediatos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-486e70cc elementor-widget elementor-widget-text-editor\" data-id=\"486e70cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En una compa\u00f1\u00eda cualquiera de Latinoam\u00e9rica, un gerente enfrentaba un problema com\u00fan pero cr\u00edtico: los procesos de devoluciones en pagos masivos de dinero eran lentos, costosos y generaban desconfianza. Clientes insatisfechos, proveedores presionando por sus pagos y empleados esperando semanas por reembolsos hac\u00edan evidente que algo deb\u00eda cambiar.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c33de3 elementor-widget elementor-widget-text-editor\" data-id=\"1c33de3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lo que parec\u00eda solo un problema operativo result\u00f3 ser una oportunidad para transformar la organizaci\u00f3n. A continuaci\u00f3n, el <\/span><b>checklist que gui\u00f3 su estrategia<\/b><span style=\"font-weight: 400;\">, acompa\u00f1ado de datos y hallazgos que ilustran la magnitud de este desaf\u00edo en la regi\u00f3n.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1abf70 e-con-full e-flex e-con e-child\" data-id=\"f1abf70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae60e6b elementor-widget elementor-widget-image\" data-id=\"ae60e6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"781\" height=\"773\" src=\"https:\/\/puntored.co\/wp-content\/uploads\/2025\/10\/Panel-inteligente-para-gestionar-reembolsos-en-pagos-masivos.png\" class=\"attachment-large size-large wp-image-22414\" alt=\"Laptop con panel de control y gr\u00e1ficos en tiempo real para gestionar reembolsos en pagos masivos.\" srcset=\"https:\/\/puntored.co\/wp-content\/uploads\/2025\/10\/Panel-inteligente-para-gestionar-reembolsos-en-pagos-masivos.png 781w, https:\/\/puntored.co\/wp-content\/uploads\/2025\/10\/Panel-inteligente-para-gestionar-reembolsos-en-pagos-masivos-300x297.png 300w, https:\/\/puntored.co\/wp-content\/uploads\/2025\/10\/Panel-inteligente-para-gestionar-reembolsos-en-pagos-masivos-768x760.png 768w\" sizes=\"(max-width: 781px) 100vw, 781px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3789f5 e-con-full e-flex e-con e-child\" data-id=\"a3789f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4502ef7 elementor-widget elementor-widget-n-accordion\" data-id=\"4502ef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7230\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-7230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 1: Reconocer el costo real de las devoluciones en pagos masivos <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7230\" class=\"elementor-element elementor-element-545a698 e-con-full e-flex e-con e-child\" data-id=\"545a698\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7230\" class=\"elementor-element elementor-element-d6ed9ae e-flex e-con-boxed e-con e-child\" data-id=\"d6ed9ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116bd6b elementor-widget elementor-widget-text-editor\" data-id=\"116bd6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El gerente entendi\u00f3 que las devoluciones en pagos masivos no eran incidentes aislados, sino un impacto financiero enorme. <\/span><b>A nivel global, el 17% de las ventas minoristas terminan en devoluciones<\/b><span style=\"font-weight: 400;\">, equivalentes a <\/span><b>890 mil millones de d\u00f3lares en 2024<\/b><span style=\"font-weight: 400;\"> . En Latinoam\u00e9rica, las tasas son incluso m\u00e1s cr\u00edticas: en M\u00e9xico, <\/span><b>casi 40% de las compras online son devueltas<\/b><span style=\"font-weight: 400;\"> y en mercados como Chile o Per\u00fa los porcentajes superan el 30%. El costo oculto de procesar manualmente estos reembolsos estaba afectando la rentabilidad de la empresa.(<\/span><a href=\"https:\/\/www.statista.com\/chart\/34373\/most-returned-product-categories-purchased-online\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Statista, 2024<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7231\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 2: Apostar por la digitalizaci\u00f3n masiva <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7231\" class=\"elementor-element elementor-element-a5e9916 e-con-full e-flex e-con e-child\" data-id=\"a5e9916\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2114a18 elementor-widget elementor-widget-text-editor\" data-id=\"2114a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El segundo paso fue la automatizaci\u00f3n. Basware ha demostrado que digitalizar cuentas por pagar permite <\/span><b>reducir el tiempo de procesamiento de una factura de 10 d\u00edas a menos de 1<\/b><span style=\"font-weight: 400;\"> y aumentar en un <\/span><b>85% la tasa de pagos puntuales<\/b><span style=\"font-weight: 400;\"> (C<\/span><a href=\"https:\/\/www.citybiz.co\/article\/725877\/basware-50-of-supplier-invoices-are-paid-late-study-reveals\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">itybiz, 2024<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b15816 elementor-widget elementor-widget-text-editor\" data-id=\"8b15816\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La empresa adopt\u00f3 pagos masivos electr\u00f3nicos, eliminando reprocesos manuales. Esto no solo aceler\u00f3 devoluciones en pagos masivos y reembolsos, sino que tambi\u00e9n redujo errores y fraudes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7232\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7232\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 3: Incorporar cashback como motor de lealtad <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7232\" class=\"elementor-element elementor-element-b8329a9 e-con-full e-flex e-con e-child\" data-id=\"b8329a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4868e91 elementor-widget elementor-widget-text-editor\" data-id=\"4868e91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lejos de ser un gasto, el gerente descubri\u00f3 que las devoluciones en pagos masivos pod\u00edan convertirse en una herramienta de fidelizaci\u00f3n. Los programas de <\/span><b>cashback en Latinoam\u00e9rica crecer\u00e1n a un ritmo de 14% anual entre 2024 y 2029<\/b><span style=\"font-weight: 400;\">, duplicando su valor de <\/span><b>12 a 27 mil millones de d\u00f3lares<\/b><span style=\"font-weight: 400;\"> (<\/span><a href=\"https:\/\/www.researchandmarkets.com\/reports\/6011127\/latin-america-cashback-programs-market?srsltid=AfmBOoqLMBRtmcAlfYhmy6K_TposYJOFDAXOJI2J4TUSglmiyXYMAMvt&amp;utm_campaign=2006078+-+Australia+&amp;utm_code=rl_rbvn4t&amp;utm_exec=carimspi&amp;utm_medium=PressRelease&amp;\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Research &amp; Markets, 2024<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c508e9 elementor-widget elementor-widget-text-editor\" data-id=\"3c508e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Implementar cashback en lugar de simples reembolsos transform\u00f3 la percepci\u00f3n de los clientes: ahora, recibir dinero de vuelta se asociaba con confianza y valor agregado.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7233\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7233\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 4: Integrar pagos inmediatos <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7233\" class=\"elementor-element elementor-element-7a28339 e-flex e-con-boxed e-con e-child\" data-id=\"7a28339\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3513db7 elementor-widget elementor-widget-text-editor\" data-id=\"3513db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El tiempo era clave. En Brasil, el sistema de pagos instant\u00e1neos Pix ya es usado por la poblaci\u00f3n, consolid\u00e1ndose como el m\u00e9todo preferido para transacciones r\u00e1pidas y seguras. <\/span><\/p><p><span style=\"font-weight: 400;\">Por su parte, Colombia ha dado un paso decisivo con el lanzamiento de <\/span><b>Bre-B<\/b><span style=\"font-weight: 400;\"> en julio de 2025, un sistema interoperable que permite <\/span><b>transferencias gratuitas, inmediatas y disponibles las 24 horas<\/b><span style=\"font-weight: 400;\">, usando identificadores sencillos como n\u00fameros de tel\u00e9fono, correo electr\u00f3nico o documentos de identidad.&#8221;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed855ca elementor-widget elementor-widget-text-editor\" data-id=\"ed855ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La compa\u00f1\u00eda adopt\u00f3 este modelo, logrando que clientes y empleados recibieran reembolsos en cuesti\u00f3n de horas, no d\u00edas. Esto elev\u00f3 la satisfacci\u00f3n y fortaleci\u00f3 la reputaci\u00f3n corporativa.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7234\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7234\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 5: Usar datos para controlar riesgos <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7234\" class=\"elementor-element elementor-element-dced1ce e-flex e-con-boxed e-con e-child\" data-id=\"dced1ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-790f596 elementor-widget elementor-widget-text-editor\" data-id=\"790f596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">El gerente sab\u00eda que cada error costaba caro: <\/span><b>corregir un error en una factura puede costar hasta 10 veces m\u00e1s que procesarla correctamente<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-270c66e elementor-widget elementor-widget-text-editor\" data-id=\"270c66e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Por eso, integraron anal\u00edtica predictiva y dashboards en tiempo real. Esto permiti\u00f3 detectar devoluciones fraudulentas y pagos duplicados antes de que ocurrieran, adem\u00e1s de generar trazabilidad total para auditores y reguladores.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7235\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7235\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Paso 6: Recuperar la confianza de proveedores y empleados <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7235\" class=\"elementor-element elementor-element-24374cf e-flex e-con-boxed e-con e-child\" data-id=\"24374cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccea8f elementor-widget elementor-widget-text-editor\" data-id=\"9ccea8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Finalmente, el \u00e9xito se midi\u00f3 en confianza. Seg\u00fan Ivalua, <\/span><b>65% de los proveedores en Latam consideran que los pagos tard\u00edos ponen en riesgo su estabilidad financiera<\/b><span style=\"font-weight: 400;\"> (<\/span><a href=\"https:\/\/www.ivalua.com\/press-releases\/almost-two-thirds-of-european-suppliers-say-late-payments-put-them-at-financial-risk\/\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">Ivalua, 2021<\/span><\/a><span style=\"font-weight: 400;\">). Y la OCDE advirti\u00f3 que durante la pandemia <\/span><b>el 51% de las pymes report\u00f3 problemas de liquidez por retrasos en los pagos<\/b><span style=\"font-weight: 400;\"> (<\/span><a href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/publications\/reports\/2021\/05\/an-in-depth-analysis-of-one-year-of-sme-and-entrepreneurship-policy-responses-to-covid-19_c22951ae\/6407deee-en.pdf\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">OCDE, 2021<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3b7592 elementor-widget elementor-widget-text-editor\" data-id=\"f3b7592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Con pagos masivos confiables, la empresa no solo devolv\u00eda dinero, sino tambi\u00e9n credibilidad y seguridad.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685be48c elementor-widget elementor-widget-text-editor\" data-id=\"685be48c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La historia de este gerente refleja lo que muchas organizaciones est\u00e1n viviendo en la regi\u00f3n: la necesidad de transformar los procesos de devoluciones en pagos masivos en <\/span><b>un pilar estrat\u00e9gico de competitividad<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dff9a4b e-con-full e-flex e-con e-child\" data-id=\"dff9a4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3694295 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3694295\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span id=\"docs-internal-guid-aa5c5fff-7fff-7e5e-f859-a03aff09ef83\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;font-weight: 700;vertical-align: baseline\">Digitalizar<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;vertical-align: baseline\"> reduce tiempos y costos.<\/span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span id=\"docs-internal-guid-588608f3-7fff-ebdf-18d8-2eba0bfe301a\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;font-weight: 700;vertical-align: baseline\">Cashback<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;vertical-align: baseline\"> fomenta la lealtad y la recompra.<\/span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span id=\"docs-internal-guid-72532120-7fff-3419-759c-28ff9ee2601b\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;font-weight: 700;vertical-align: baseline\">Pagos inmediatos<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;vertical-align: baseline\"> mejoran la experiencia del usuario.<\/span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span id=\"docs-internal-guid-fac2fc82-7fff-6bc4-565f-accd547205b3\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;font-weight: 700;vertical-align: baseline\">Anal\u00edtica y datos<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;vertical-align: baseline\"> aportan control y transparencia.<\/span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span id=\"docs-internal-guid-874b18b7-7fff-09dd-06ad-f0264fcbea78\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;font-weight: 700;vertical-align: baseline\">Cumplimiento y confianza<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;background-color: transparent;vertical-align: baseline\"> fortalecen relaciones clave.<\/span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e04a457 elementor-widget elementor-widget-text-editor\" data-id=\"e04a457\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En palabras del propio gerente: <\/span><i><span style=\"font-weight: 400;\">\u201cNo solo devolvimos dinero; devolvimos confianza, lealtad y tiempo. Eso nos cambi\u00f3 el negocio para siempre.\u201d<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3745dd7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3745dd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/puntored.co\/pagos-masivos-empresas\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Optimiza tus devoluciones en pagos masivos. Reg\u00edstrate hoy y agenda una cita con nuestro equipo comercial.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-108cb02a elementor-widget elementor-widget-heading\" data-id=\"108cb02a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00a1Suscr\u00edbete y ent\u00e9rate primero de las novedades de Puntored!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf016bb e-flex e-con-boxed e-con e-parent\" data-id=\"bf016bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed4fc47 e-flex e-con-boxed e-con e-parent\" data-id=\"ed4fc47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reembolsos en pagos masivos, devoluciones y cashback  en Latinoam\u00e9rica impulsan la lealtad y reducen costos con automatizaci\u00f3n.<\/p>\n","protected":false},"author":15,"featured_media":22411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"[\"title\",\"meta\",\"content\",\"tags\",\"comments\"]","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"categories":[81],"tags":[],"class_list":["post-22410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pagos-masivos"],"_links":{"self":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/22410","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/comments?post=22410"}],"version-history":[{"count":22,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/22410\/revisions"}],"predecessor-version":[{"id":22759,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/posts\/22410\/revisions\/22759"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/media\/22411"}],"wp:attachment":[{"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/media?parent=22410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/categories?post=22410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/puntored.co\/en\/wp-json\/wp\/v2\/tags?post=22410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}