{"id":515,"date":"2026-06-10T18:26:09","date_gmt":"2026-06-10T16:26:09","guid":{"rendered":"https:\/\/tecnologia.villanett.com\/?post_type=glossary&#038;p=515"},"modified":"2026-06-10T18:26:09","modified_gmt":"2026-06-10T16:26:09","slug":"pasarela-de-pagos","status":"publish","type":"glossary","link":"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/","title":{"rendered":"Pasarela de Pagos"},"content":{"rendered":"<p data-start=\"0\" data-end=\"190\"><strong data-start=\"0\" data-end=\"21\"><a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Pasarela de Pagos<\/a><\/strong> es una tecnolog&iacute;a que permite procesar pagos electr&oacute;nicos de forma segura entre un comprador, un comercio y una instituci&oacute;n financiera durante una transacci&oacute;n en l&iacute;nea.<\/p>\n<p data-start=\"192\" data-end=\"297\">Act&uacute;a como intermediaria para autorizar, verificar y transferir la informaci&oacute;n del pago de manera segura.<\/p>\n<h3 data-section-id=\"1pq745u\" data-start=\"299\" data-end=\"319\">&iquest;Para qu&eacute; sirve?<\/h3>\n<ul data-start=\"320\" data-end=\"509\">\n<li data-section-id=\"1x4u1ns\" data-start=\"320\" data-end=\"345\">Recibir pagos en l&iacute;nea.<\/li>\n<li data-section-id=\"16euq6g\" data-start=\"346\" data-end=\"386\">Procesar tarjetas de cr&eacute;dito y d&eacute;bito.<\/li>\n<li data-section-id=\"1umknoi\" data-start=\"387\" data-end=\"425\">Aceptar transferencias electr&oacute;nicas.<\/li>\n<li data-section-id=\"qkmjvy\" data-start=\"426\" data-end=\"459\">Facilitar compras por internet.<\/li>\n<li data-section-id=\"xi0oho\" data-start=\"460\" data-end=\"509\">Proteger los datos financieros de los usuarios.<\/li>\n<\/ul>\n<h3 data-section-id=\"qhfs8z\" data-start=\"511\" data-end=\"530\">&iquest;C&oacute;mo funciona?<\/h3>\n<div class=\"relative w-full mt-4 mb-1\">\n<div class=\"\">\n<div class=\"contents\">\n<div class=\"relative\">\n<div class=\"h-full min-h-0 min-w-0\">\n<div class=\"h-full min-h-0 min-w-0\">\n<div class=\"border border-token-border-light border-radius-3xl corner-superellipse\/1.1 rounded-3xl\">\n<div class=\"h-full w-full border-radius-3xl bg-token-bg-elevated-secondary corner-superellipse\/1.1 overflow-clip rounded-3xl lxnfua_clipPathFallback\">\n<div class=\"pointer-events-none absolute end-1.5 top-1 z-2 md:end-2 md:top-1\"><\/div>\n<div class=\"relative\">\n<div class=\"pe-11 pt-3\">\n<div class=\"relative z-0 flex max-w-full\">\n<div id=\"code-block-viewer\" class=\"q9tKkq_viewer cm-editor z-10 light:cm-light dark:cm-light flex h-full w-full flex-col items-stretch &#892;d &#892;r\" dir=\"ltr\">\n<div class=\"cm-scroller\">\n<pre class=\"cm-content q9tKkq_readonly m-0\"><code>Cliente realiza compra\n          &darr;\n<a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Pasarela de pagos<\/a> recibe la informaci&oacute;n\n          &darr;\nBanco valida la transacci&oacute;n\n          &darr;\nPago aprobado o rechazado\n          &darr;\nComercio recibe la confirmaci&oacute;n<\/code><\/pre>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\">\n<div class=\"\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 data-section-id=\"ghdlj7\" data-start=\"754\" data-end=\"774\">Ejemplo pr&aacute;ctico<\/h3>\n<p data-start=\"775\" data-end=\"828\">Un cliente compra un producto en una <a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/tienda-en-linea\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">tienda en l&iacute;nea<\/a>:<\/p>\n<ol data-start=\"830\" data-end=\"1017\">\n<li data-section-id=\"i6v8uu\" data-start=\"830\" data-end=\"865\">Ingresa los datos de su tarjeta.<\/li>\n<li data-section-id=\"1kbixp9\" data-start=\"866\" data-end=\"911\">La <a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">pasarela de pagos<\/a> cifra la informaci&oacute;n.<\/li>\n<li data-section-id=\"bol7ck\" data-start=\"912\" data-end=\"944\">El banco verifica los fondos.<\/li>\n<li data-section-id=\"1xpn7if\" data-start=\"945\" data-end=\"967\">Se aprueba el pago.<\/li>\n<li data-section-id=\"1ohk9bn\" data-start=\"968\" data-end=\"1017\">La tienda recibe la confirmaci&oacute;n de la compra.<\/li>\n<\/ol>\n<h3 data-section-id=\"1qjagyx\" data-start=\"1019\" data-end=\"1056\">M&eacute;todos de pago que puede aceptar<\/h3>\n<ul data-start=\"1057\" data-end=\"1195\">\n<li data-section-id=\"1l21p47\" data-start=\"1057\" data-end=\"1079\">Tarjetas de cr&eacute;dito.<\/li>\n<li data-section-id=\"1s4bp1w\" data-start=\"1080\" data-end=\"1101\">Tarjetas de d&eacute;bito.<\/li>\n<li data-section-id=\"jlddaw\" data-start=\"1102\" data-end=\"1129\">Transferencias bancarias.<\/li>\n<li data-section-id=\"djd8so\" data-start=\"1130\" data-end=\"1171\">Pagos en efectivo mediante referencias.<\/li>\n<li data-section-id=\"1lk0dx\" data-start=\"1172\" data-end=\"1195\">Billeteras digitales.<\/li>\n<\/ul>\n<h3 data-section-id=\"10yvavm\" data-start=\"1197\" data-end=\"1230\">Ejemplos de pasarelas de pago<\/h3>\n<ul data-start=\"1231\" data-end=\"1430\">\n<li data-section-id=\"15a85x\" data-start=\"1231\" data-end=\"1270\"><span class=\"\" data-state=\"closed\"><a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/paypal\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">PayPal<\/a><\/span><\/li>\n<li data-section-id=\"lyf7sl\" data-start=\"1271\" data-end=\"1310\"><span class=\"\" data-state=\"closed\">Stripe<\/span><\/li>\n<li data-section-id=\"wlg39x\" data-start=\"1311\" data-end=\"1350\"><span class=\"\" data-state=\"closed\">Mercado Pago<\/span><\/li>\n<li data-section-id=\"1etlrsl\" data-start=\"1351\" data-end=\"1390\"><span class=\"\" data-state=\"closed\">Openpay<\/span><\/li>\n<li data-section-id=\"1fetjdh\" data-start=\"1391\" data-end=\"1430\"><span class=\"\" data-state=\"closed\">Conekta<\/span><\/li>\n<\/ul>\n<h3 data-section-id=\"1rwffuc\" data-start=\"1432\" data-end=\"1464\">Beneficios para los negocios<\/h3>\n<ul data-start=\"1465\" data-end=\"1614\">\n<li data-section-id=\"oko7a5\" data-start=\"1465\" data-end=\"1491\">Ventas disponibles 24\/7.<\/li>\n<li data-section-id=\"16l38bf\" data-start=\"1492\" data-end=\"1515\">Cobros automatizados.<\/li>\n<li data-section-id=\"17jvhg0\" data-start=\"1516\" data-end=\"1534\">Mayor seguridad.<\/li>\n<li data-section-id=\"1ipqo75\" data-start=\"1535\" data-end=\"1577\">Aceptaci&oacute;n de m&uacute;ltiples m&eacute;todos de pago.<\/li>\n<li data-section-id=\"1wsdt7h\" data-start=\"1578\" data-end=\"1614\">Mejor experiencia para el cliente.<\/li>\n<\/ul>\n<h3 data-section-id=\"14e6566\" data-start=\"1616\" data-end=\"1648\">Beneficios para los clientes<\/h3>\n<ul data-start=\"1649\" data-end=\"1745\">\n<li data-section-id=\"1buth1a\" data-start=\"1649\" data-end=\"1665\">Pagos r&aacute;pidos.<\/li>\n<li data-section-id=\"f3gamf\" data-start=\"1666\" data-end=\"1690\">Transacciones seguras.<\/li>\n<li data-section-id=\"1pzg2pd\" data-start=\"1691\" data-end=\"1719\">Diversas opciones de pago.<\/li>\n<li data-section-id=\"dnmrtg\" data-start=\"1720\" data-end=\"1745\">Confirmaci&oacute;n inmediata.<\/li>\n<\/ul>\n<h3 data-section-id=\"sd5liz\" data-start=\"1747\" data-end=\"1773\">Elementos de seguridad<\/h3>\n<p data-start=\"1774\" data-end=\"1812\">Las pasarelas de pago suelen utilizar:<\/p>\n<ul data-start=\"1813\" data-end=\"1904\">\n<li data-section-id=\"jy45b2\" data-start=\"1813\" data-end=\"1832\">Cifrado de datos.<\/li>\n<li data-section-id=\"48g947\" data-start=\"1833\" data-end=\"1852\">Protocolos HTTPS.<\/li>\n<li data-section-id=\"63n5e9\" data-start=\"1853\" data-end=\"1881\">Autenticaci&oacute;n de usuarios.<\/li>\n<li data-section-id=\"s5lrsi\" data-start=\"1882\" data-end=\"1904\">Sistemas antifraude.<\/li>\n<\/ul>\n<h3 data-section-id=\"1gmhwoi\" data-start=\"1906\" data-end=\"1964\">Diferencia entre Pasarela de Pago y Procesador de Pago<\/h3>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"1966\" data-end=\"2237\">\n<thead data-start=\"1966\" data-end=\"2007\">\n<tr data-start=\"1966\" data-end=\"2007\">\n<th class=\"last:pe-10\" data-start=\"1966\" data-end=\"1985\" data-col-size=\"sm\">Pasarela de Pago<\/th>\n<th class=\"last:pe-10\" data-start=\"1985\" data-end=\"2007\" data-col-size=\"sm\">Procesador de Pago<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2049\" data-end=\"2237\">\n<tr data-start=\"2049\" data-end=\"2123\">\n<td data-start=\"2049\" data-end=\"2086\" data-col-size=\"sm\">Captura y transmite la informaci&oacute;n<\/td>\n<td data-start=\"2086\" data-end=\"2123\" data-col-size=\"sm\">Gestiona la autorizaci&oacute;n bancaria<\/td>\n<\/tr>\n<tr data-start=\"2124\" data-end=\"2184\">\n<td data-start=\"2124\" data-end=\"2157\" data-col-size=\"sm\">Interfaz entre cliente y banco<\/td>\n<td data-start=\"2157\" data-end=\"2184\" data-col-size=\"sm\">Comunicaci&oacute;n financiera<\/td>\n<\/tr>\n<tr data-start=\"2185\" data-end=\"2237\">\n<td data-start=\"2185\" data-end=\"2211\" data-col-size=\"sm\">Visible para el usuario<\/td>\n<td data-start=\"2211\" data-end=\"2237\" data-col-size=\"sm\">Opera en segundo plano<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h3 data-section-id=\"deykfz\" data-start=\"2239\" data-end=\"2281\">Importancia en el comercio electr&oacute;nico<\/h3>\n<p data-start=\"2282\" data-end=\"2398\">Sin una <a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">pasarela de pagos<\/a>, una <a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/tienda-en-linea\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">tienda en l&iacute;nea<\/a> tendr&iacute;a dificultades para recibir pagos de manera segura y eficiente.<\/p>\n<h3 data-section-id=\"js1ou2\" data-start=\"2400\" data-end=\"2414\">En resumen<\/h3>\n<p data-start=\"2415\" data-end=\"2632\" data-is-last-node=\"\" data-is-only-node=\"\"><strong data-start=\"2415\" data-end=\"2632\" data-is-last-node=\"\">Una <a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Pasarela de Pagos<\/a> es una plataforma tecnol&oacute;gica que permite procesar pagos electr&oacute;nicos de forma segura, conectando al comprador, al comercio y a las instituciones financieras durante una transacci&oacute;n en l&iacute;nea.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p><a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Pasarela de Pagos<\/a> es una tecnolog&iacute;a que permite procesar pagos electr&oacute;nicos de forma segura entre un comprador, un comercio y una instituci&oacute;n financiera durante una transacci&oacute;n en l&iacute;nea. Act&uacute;a como intermediaria para autorizar, verificar y transferir la informaci&oacute;n del pago de manera segura. &iquest;Para qu&eacute; sirve? Recibir pagos en l&iacute;nea. Procesar tarjetas de cr&eacute;dito y &hellip; <a href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" class=\"more-link\">Seguir leyendo <span class=\"screen-reader-text\"><a class=\"glossaryLink\" href=\"https:\/\/tecnologia.villanett.com\/index.php\/glosario\/pasarela-de-pagos\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Pasarela de Pagos<\/a><\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"menu_order":0,"template":"","meta":{"footnotes":""},"class_list":["post-515","glossary","type-glossary","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/glossary\/515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/types\/glossary"}],"author":[{"embeddable":true,"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"version-history":[{"count":2,"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/glossary\/515\/revisions"}],"predecessor-version":[{"id":517,"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/glossary\/515\/revisions\/517"}],"wp:attachment":[{"href":"https:\/\/tecnologia.villanett.com\/index.php\/wp-json\/wp\/v2\/media?parent=515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}