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Costos del comercio en el procesamiento de los pagos en Colombia

Author

Listed:
  • Carlos A. Arango-Arango
  • Yanneth R. Batancourt-García
  • Manuela restrepo-Bernal

Abstract

En Colombia se han logrado importantes avances en el acceso a productos transaccionales ofrecidos por el sistema financiero, sin embargo, el efectivo sigue siendo el instrumento preferido debido a la limitada aceptación de pagos electrónicos por parte de los comercios. Este documento presenta los resultados de una encuesta realizada por el Banco de la República en el 2018 la cual mide los costos privados de los comercios en la aceptación y uso de diferentes instrumentos de pago. Las estimaciones muestran que el efectivo es menos costoso que las tarjetas débito y crédito en las ventas de los comercios. Así mismo, se encuentra que los costos de los pagos electrónicos llegan a ser más del doble que los del efectivo para los gastos de funcionamiento. Así las cosas, para los comercios, operar con efectivo resulta más económico que operar con instrumentos de pago electrónicos. Este documento presenta los resultados de una encuesta realizada por el Banco de la República en el 2018 la cual mide los costos privados de los comercios en la aceptación y uso de diferentes instrumentos de pago.

Suggested Citation

  • Carlos A. Arango-Arango & Yanneth R. Batancourt-García & Manuela restrepo-Bernal, 2022. "Costos del comercio en el procesamiento de los pagos en Colombia," Coyuntura Económica, Fedesarrollo, vol. 52, pages 107-125, December.
    • Handle: RePEc:col:000438:020711
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    References listed on IDEAS

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    1. Garcia-Swartz Daniel D. & Hahn Robert W. & Layne-Farrar Anne, 2006. "The Move Toward a Cashless Society: A Closer Look at Payment Instrument Economics," Review of Network Economics, De Gruyter, vol. 5(2), pages 1-24, June.
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    3. Angelika Welte, 2017. "The Bank of Canada 2015 Retailer Survey on the Cost of Payment Methods: Sampling," Technical Reports 108, Bank of Canada.
    4. Schmiedel, Heiko & Kostova, Gergana & Ruttenberg, Wiebe, 2012. "The social and private costs of retail payment instruments: a European perspective," Occasional Paper Series 137, European Central Bank.
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    7. Arango-Arango, Carlos A. & Bouhdaoui, Yassine & Bounie, David & Eschelbach, Martina & Hernandez, Lola, 2018. "Cash remains top-of-wallet! International evidence from payment diaries," Economic Modelling, Elsevier, vol. 69(C), pages 38-48.
    8. Schmiedel, Heiko & Kostova, Gergana & Ruttenberg, Wiebe, 2012. "The social and private costs of retail payment instruments: a European perspective," Occasional Paper Series 137, European Central Bank.
    9. Anneke Kosse & Heng Chen & Marie-Hélène Felt & Valéry Dongmo Jiongo & Kerry Nield & Angelika Welte, 2017. "The Costs of Point-of-Sale Payments in Canada," Discussion Papers 17-4, Bank of Canada.
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    11. Garcia-Swartz Daniel D. & Hahn Robert W. & Layne-Farrar Anne, 2006. "The Move Toward a Cashless Society: Calculating the Costs and Benefits," Review of Network Economics, De Gruyter, vol. 5(2), pages 1-30, June.
    12. repec:zbw:bofrdp:2008_011 is not listed on IDEAS
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    1. Arango-Arango, Carlos A. & Betancourt-García, Yanneth Rocío & Restrepo-Bernal, Manuela, 2022. "An application of the tourist test to Colombian merchants," Latin American Journal of Central Banking (previously Monetaria), Elsevier, vol. 3(4).

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    More about this item

    Keywords

    Efectivo; Instrumentos de PagoProcesamiento de Pagos; Costos del Comercio; Tarjetas de Pago;
    All these keywords.

    JEL classification:

    • C81 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Methodology for Collecting, Estimating, and Organizing Microeconomic Data; Data Access
    • C83 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Survey Methods; Sampling Methods
    • D23 - Microeconomics - - Production and Organizations - - - Organizational Behavior; Transaction Costs; Property Rights
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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