{"id":986,"date":"2017-08-02T10:37:13","date_gmt":"2017-08-02T08:37:13","guid":{"rendered":"http:\/\/blog.swikly.com\/2017\/08\/02\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/"},"modified":"2025-03-11T11:00:25","modified_gmt":"2025-03-11T10:00:25","slug":"alternative-aux-cheques-cautions-et-acomptes-numeriques","status":"publish","type":"post","link":"https:\/\/www.swikly.com\/es\/hpa-2\/2017\/08\/alternativa-a-los-bonos-y-a-las-cuentas-numericas\/","title":{"rendered":"Alternativa a los cheques: \u00a1dep\u00f3sitos e ingresos digitales!"},"content":{"rendered":"
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El cheque es un\u00a0sistema nacional de pagos<\/strong> que sigue las leyes de la jurisdicci\u00f3n en la que se utiliza. Por lo tanto, su marco legislativo var\u00eda de un pa\u00eds a otro. Al margen de los pa\u00edses industrializados<\/strong>Sin embargo, se sigue utilizando en Estados Unidos, Canad\u00e1, Reino Unido y, sobre todo, en Francia. Es un documento escrito que permite al tirador<\/strong> (emisor) para pagar el dibujado<\/strong> (receptor) sin demora.<\/p>\n

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\u00a0<\/div>\n

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El origen del cheque<\/strong><\/h2>\n

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En 18\u00ba<\/strong> En el siglo XIX, el Banco de Inglaterra ten\u00eda el monopolio de los billetes. Los banqueros ingleses ya no pod\u00edan emitir billetes. As\u00ed que ellos invent\u00f3<\/strong> un nuevo m\u00e9todo de pago : el cheque<\/strong>.<\/p>\n

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Los cheques llegaron a Francia en el siglo XIX, s\u00f3lo se utilizaban en emitido por el Banco de Francia<\/strong> bajo el nombre de \" mandatos en blanco<\/strong> \". Se democratizaron en el siglo XX, llegando a ser obligatorias para determinadas operaciones. Para luchar contra el mercado negro durante la Segunda Guerra Mundial<\/strong>la emisi\u00f3n de los talonarios de cheques pasan a ser gratuitos.<\/strong> A medida que pasa el tiempo, el cheque se vuelve m\u00e1s y m\u00e1s regulado<\/strong>. Por ejemplo, el Banco de Francia ha creado un censo de cheques impagados. M\u00e1s adelante, se introducir\u00e1n sanciones contra los emisores de cheques sin fondos.<\/p>\n

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\u00a0<\/div>\n

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El cheque y Francia hoy<\/strong><\/h2>\n

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El Francia<\/strong> es uno de los pa\u00edses con el mayor uso de los cheques<\/strong>En 2004, representaron 29% de las transacciones de pagos interbancarios, frente a 11% en Europa.\u00a0Los cheques siguen utiliz\u00e1ndose en Francia. De cada 10 pagos con cheque efectuados en Europa, 9 se realizan en Francia \ud83c\uddeb\ud83c\uddf7<\/span><\/p>\n

\u00a0<\/p>\n

Sin embargo, el d\u00e9cadas anteriores<\/strong> han demostrado una disminuci\u00f3n global<\/strong> de su uso: entre 2006 y 2010 el n\u00famero de pagos con cheque se redujo en 25%. Este descenso se explica por el creciente uso de tarjetas bancarias, transferencias y m\u00e9todos de pago digitales que est\u00e1n en plena evoluci\u00f3n<\/strong>.<\/p>\n

Y a\u00fan hay m\u00e1s: los cheques se siguen utilizando cada vez menos, sobre todo desde la pandemia de Covid-19, como muestran estas estad\u00edsticas:<\/p>\n

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N\u00famero de pagos por cheque en Francia (Fuente: Statista)<\/span><\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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El final del cheque ya est\u00e1 previsto<\/strong><\/p>\n

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Los usuarios han recurrido a otros m\u00e9todos de pago por muchas razones. Entre ellos, un operaci\u00f3n compleja,<\/strong> a garant\u00eda de pago no asegurada,<\/strong> un importante impacto ecol\u00f3gico,<\/strong> etc.<\/p>\n

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Un importante coste medioambiental<\/h3>\n

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Seg\u00fan un estudio de Ernst & Young, en 2009 en Francia 3.300 millones de cheques<\/strong> se han emitido con una huella ecol\u00f3gica, que representan 20.000 viajes de ida y vuelta<\/strong> Par\u00eds-Nueva York. En comparaci\u00f3n, la huella ecol\u00f3gica de tarjetas bancarias representa<\/strong> 7.200 ida y vuelta Par\u00eds-Nueva York<\/strong>.<\/p>\n

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El cheque abandonado por sus usuarios y proveedores<\/h3>\n

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El comerciantes<\/strong> v\u00edctimas de cheques impagados y robados<\/strong> o sin financiaci\u00f3n<\/strong> se niegan cada vez m\u00e1s a aceptar esta forma de pago. El consumidores<\/strong> tambi\u00e9n los abandonan por impracticabilidad<\/strong>La utilizan como respaldo (por ejemplo, en caso de p\u00e9rdida de una tarjeta bancaria). El bancos<\/strong> son cada vez m\u00e1s reacios a utilizarlos, ya que se proporcionan de forma gratuita y su el tratamiento es muy caro<\/strong>. El decisiones gubernamentales<\/strong> tambi\u00e9n revelaron la voluntad de reducir los pagos por cheque<\/strong>. El proyecto de modernizaci\u00f3n de la vida econ\u00f3mica lo ilustra: el Ley Sapin II<\/strong>. Esta ley preve\u00eda reducir el periodo de validez<\/strong> cheques a 6 meses. Sin embargo, la Asamblea Nacional ha restablecido su duraci\u00f3n a la inicial de 1 a\u00f1o y 8 d\u00edas, con el argumento de que los cheques siguen siendo muy utilizados por las personas mayores. Hay que a\u00f1adir que el sector de los pagos es especialmente din\u00e1mico y constituye un sector de crecimiento futuro. Una oportunidad para los emprendedores que se est\u00e1n estableciendo cada vez m\u00e1s en este campo.<\/p>\n

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Dep\u00f3sitos y garant\u00edas por Internet: Swikly sustituye a los cheques<\/strong><\/h2>\n

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Lo tienes, el cheque desaparecer\u00e1<\/strong>. Por lo tanto, nuestros h\u00e1bitos se ver\u00e1n sacudidos, \u00a1sobre todo en lo que respecta a los cheques de dep\u00f3sito! Pero no te preocupes, \u00a1ya existen alternativas sencillas!<\/p>\n

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Swikly<\/a> responde a esta evoluci\u00f3n<\/strong> ofreciendo unanticipos y dep\u00f3sitos por internet<\/strong>. Esta soluci\u00f3n le permite asegure sus reservas de forma sencilla y r\u00e1pida<\/strong> Ya no tendr\u00e1 que lidiar con cheques, dinero en efectivo o solicitudes de n\u00fameros de tarjetas de cr\u00e9dito. Lo \u00fanico que tiene que hacer es introducir el correo electr\u00f3nico y el n\u00famero de tel\u00e9fono de su cliente. Recibir\u00e1 una solicitud Garant\u00eda electr\u00f3nica o cuenta electr\u00f3nica<\/strong> por correo electr\u00f3nico y SMS y podr\u00e1 introducir su huella bancaria de forma muy sencilla. No se le cargar\u00e1, salvo en caso de da\u00f1os. Con Swikly<\/a>se beneficia de un garant\u00eda de pago reforzada<\/strong> !<\/p>\n

<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Entre 2000 y 2022, el n\u00famero de pagos mediante cheque disminuy\u00f3 en 75%. Esta ca\u00edda se explica por el creciente uso de tarjetas bancarias, transferencias de cr\u00e9dito y m\u00e9todos de pago digitales, que est\u00e1n en proceso de evoluci\u00f3n.<\/p>","protected":false},"author":990018,"featured_media":4687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_mo_disable_npp":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[94,100,95],"tags":[127,105,218,219,220,221,152],"class_list":["post-986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hpa","category-location-de-vehicules","category-location-saisonniere","tag-acomptes-et-cautions-par-internet","tag-cautions","tag-cheque","tag-e-acompte","tag-e-caution","tag-garantie","tag-paiement"],"yoast_head":"\nAlternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! - Swikly<\/title>\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.swikly.com\/es\/hpa-2\/2017\/08\/alternativa-a-los-bonos-y-a-las-cuentas-numericas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! - Swikly\" \/>\n<meta property=\"og:description\" content=\"Entre 2000 et 2022 le nombre de paiements par ch\u00e8que a chut\u00e9 de 75%. Cette baisse s\u2019explique par une utilisation de plus en plus fr\u00e9quente des cartes bancaires, virements et moyens de paiements digitaux qui sont en pleine \u00e9volution.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.swikly.com\/es\/hpa-2\/2017\/08\/alternativa-a-los-bonos-y-a-las-cuentas-numericas\/\" \/>\n<meta property=\"og:site_name\" content=\"Swikly\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swikly\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-02T08:37:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-11T10:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/pexels-karolina-grabowska-4475524.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Charles Jung\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@swikly_company\" \/>\n<meta name=\"twitter:site\" content=\"@swikly_company\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Charles Jung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\"},\"author\":{\"name\":\"Charles Jung\",\"@id\":\"https:\/\/www.swikly.com\/#\/schema\/person\/45bba15f3f1a85e94c2fd5730a6684c5\"},\"headline\":\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques !\",\"datePublished\":\"2017-08-02T08:37:13+00:00\",\"dateModified\":\"2025-03-11T10:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\"},\"wordCount\":848,\"publisher\":{\"@id\":\"https:\/\/www.swikly.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swiklywpstorage.blob.core.windows.net\/wp-media\/2017\/08\/pexels-karolina-grabowska-4475524.jpg\",\"keywords\":[\"acomptes et cautions par internet\",\"cautions\",\"ch\u00e8que\",\"e-acompte\",\"e-caution\",\"garantie\",\"paiement\"],\"articleSection\":[\"H\u00f4tellerie de plein air\",\"Location de v\u00e9hicules\",\"Location saisonni\u00e8re\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\",\"url\":\"https:\/\/www.swikly.com\/hpa\/2017\/08\/alternative-aux-cheques-cautions-et-acomptes-numeriques\/\",\"name\":\"Alternative aux ch\u00e8ques : cautions et acomptes num\u00e9riques ! 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