The digital wallets have gained popularity in Peru, allowing Quick transactions and simple among users. YAPEone of the most used platforms has facilitated the shipment and reception of money without the need for traditional bank accounts. However, being immediate operations, doubts arise about what happens when a wrong transfer is made.
Currently, users who send money by mistake face a complex process to try to recover it. Therefore, the Congress It has raised a bill that seeks to establish mechanisms that allow us to reverse these operations and protect users of involuntary losses of funds.
Is it possible to reverse an erroneous transfer in YAPE? What establishes current regulations
According to the official website YAPEonce a transfer is confirmed, It is not possible to cancel it Neither reverse it. The platform does not offer an automatic return system, so the only available alternative is to contact the recipient directly and request the return of the amount sent.
In this sense, it is necessary that users carefully verify the data before completing a transaction, since any error in sending money is out of their intervention.
Bill in Congress: What do you propose about wrong transfers?
The legislative project promoted by Congressman Flavio Cruz seeks to modify the Regulation of Law No. 29985which regulates electronic money in Peru. The initiative states that digital money issuing entities implement mechanisms that allow users Request the return of funds sent by mistake.
Within the proposals of the project, the creation of a claims management system that facilitates the recovery of funds in cases of wrong transfers is contemplated. It is also recommended that Banking Superintendence, Insurance and AFP (SBS) Establish a regulatory framework that guarantees the application of this mechanism in operational digital wallets in the country.
Yape wrong: tips to avoid erroneous transfers in digital wallets
To reduce the risk of errors when sending money through YAPE and others digital walletsit is advisable to follow some security practices. First, the phone number or QR code should be carefully checked before confirming the operation. It is also advisable to avoid hurried transfers and make sure you correctly enter the amount to be sent.
Another prevention measure is to activate the verification in two steps if the application allows, which adds an additional security layer. Finally, it is advisable to save a registration of transactions and maintain contact with the recipient in case of confirmation of the money reception.
Source: Larepublica
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