{"id":15740,"date":"2026-08-12T15:17:53","date_gmt":"2026-08-12T14:17:53","guid":{"rendered":"https:\/\/masabidev.wpengine.com\/resources\/open-payments-explained\/"},"modified":"2026-09-16T07:52:38","modified_gmt":"2026-09-16T06:52:38","slug":"pagos-abiertos-explicados","status":"publish","type":"resource","link":"https:\/\/www.masabi.com\/es\/resources\/pagos-abiertos-explicados\/","title":{"rendered":"Pagos abiertos explicados"},"content":{"rendered":"<div class=\"block-acf-resource-callout\"><section class=\"starboard-block resource-callout-block wp-block-acf-resource-callout surface surface--white section-padding--bottom resource-callout-block--definition\" id=\"definition\" data-surface=\"white\" data-treatment=\"definition\">\n    <div class=\"wrapper wrapper--block-content\">\n        <div class=\"resource-callout-block__inner\">\n            <p class=\"eyebrow resource-callout-block__label\">Definition<\/p>\n            <h2>Qu\u00e9 significa \u00abpagos abiertos\u00bb<\/h2>            <div class=\"resource-callout-block__body\"><p>Los <strong>pagos abiertos<\/strong> (tambi\u00e9n denominados pagos de circuito abierto) consisten en aceptar tarjetas bancarias EMV sin contacto y monederos digitales \u2014Apple Pay, Google Pay y Samsung Pay\u2014 como medio de pago en los validadores de transporte. La tarjeta se utiliza como identificador del pasajero; la tarifa se calcula en el back office y se carga a la tarjeta despu\u00e9s del viaje. No se requiere una cuenta espec\u00edfica de transporte, aunque los pasajeros pueden vincular opcionalmente su tarjeta a una cuenta para acceder a bonificaciones y al historial de viajes.<\/p>\n<\/div>        <\/div>\n    <\/div>\n<\/section>\n<\/div><div class=\"block-acf-feature-cards\"><section class=\"starboard-block feature-cards-block wp-block-acf-feature-cards surface surface--white section-padding--bottom feature-cards-block--three feature-cards-block--without-transit-lines eyebrow-colour--masabi-red\" id=\"technology\" data-surface=\"white\" data-columns=\"three\">\n    <div class=\"wrapper\">\n        <div class=\"feature-cards-block__panel inner-surface inner-surface--light\" data-inner-surface=\"light\">\n                            <header class=\"feature-cards-block__header\">\n                    <p class=\"eyebrow\">La tecnolog\u00eda<\/p>                    <h2>EMV, NFC y c\u00f3mo funcionan conjuntamente<\/h2>                                    <\/header>\n                                        <ul class=\"feature-cards-block__grid\">\n                                            <li class=\"feature-cards-block__card inner-surface inner-surface--white icon-treatment--masabi-red\">\n                            <span class=\"feature-cards-block__icon\" aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-credit-card\" aria-hidden=\"true\"><\/i><\/span><\/span>                                                        <h3>EMV<\/h3>                            <p>El est\u00e1ndar mundial para pagos con chip y PIN y sin contacto: la misma tecnolog\u00eda utilizada en el comercio y la hosteler\u00eda<\/p>                                                    <\/li>\n                                            <li class=\"feature-cards-block__card inner-surface inner-surface--white icon-treatment--masabi-red\">\n                            <span class=\"feature-cards-block__icon\" aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-mobile-screen-button\" aria-hidden=\"true\"><\/i><\/span><\/span>                                                        <h3>NFC<\/h3>                            <p>Comunicaci\u00f3n de campo cercano: la tecnolog\u00eda inal\u00e1mbrica de corto alcance que permite pagar acercando el dispositivo a validadores y accesos<\/p>                                                    <\/li>\n                                            <li class=\"feature-cards-block__card inner-surface inner-surface--white icon-treatment--masabi-red\">\n                            <span class=\"feature-cards-block__icon\" aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-building-columns\" aria-hidden=\"true\"><\/i><\/span><\/span>                                                        <h3>Liquidaci\u00f3n en el back office<\/h3>                            <p>Despu\u00e9s del viaje, los cargos se env\u00edan al banco del titular de la tarjeta: el mismo proceso de liquidaci\u00f3n que en cualquier pago con tarjeta<\/p>                                                    <\/li>\n                                    <\/ul>\n                                <\/div>\n    <\/div>\n<\/section>\n<\/div><div class=\"block-acf-comparison-cards\"><section class=\"starboard-block comparison-cards-block wp-block-acf-comparison-cards surface surface--white section-padding--bottom comparison-cards-block--negative-positive eyebrow-colour--masabi-red\" id=\"comparison\" data-surface=\"white\" data-variant=\"negative-positive\">\n    <div class=\"wrapper wrapper--block-content\">\n                    <header class=\"comparison-cards-block__header\">\n                <p class=\"eyebrow\">Circuito abierto frente a circuito cerrado<\/p>                <h2>En qu\u00e9 se diferencian los pagos abiertos de las tarjetas inteligentes de transporte<\/h2>                            <\/header>\n                            <div class=\"comparison-cards-block__grid\">\n                                    <section class=\"comparison-cards-block__panel comparison-cards-block__panel--negative\">\n                        <h3>Circuito cerrado (tarjeta inteligente de transporte)<\/h3>                                                                            <ul class=\"comparison-cards-block__rows\">\n                                                                                                            <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-xmark\" aria-hidden=\"true\"><\/i><\/span><\/span>Tarjeta espec\u00edfica de transporte: solo funciona en esa red<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-xmark\" aria-hidden=\"true\"><\/i><\/span><\/span>El valor se almacena en la tarjeta o en el back office de transporte<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-xmark\" aria-hidden=\"true\"><\/i><\/span><\/span>El pasajero debe obtener y recargar una tarjeta de transporte<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-xmark\" aria-hidden=\"true\"><\/i><\/span><\/span>La agencia es propietaria de la infraestructura de pago<\/li>\n                                                                                                <\/ul>\n                                            <\/section>\n                                    <section class=\"comparison-cards-block__panel comparison-cards-block__panel--positive\">\n                        <h3>Circuito abierto (tarjeta bancaria \/ monedero digital)<\/h3>                                                                            <ul class=\"comparison-cards-block__rows\">\n                                                                                                            <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-check\" aria-hidden=\"true\"><\/i><\/span><\/span>Funciona con cualquier tarjeta EMV sin contacto: Visa, Mastercard y Amex<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-check\" aria-hidden=\"true\"><\/i><\/span><\/span>Las tarifas se cargan a la cuenta bancaria del pasajero despu\u00e9s del viaje<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-check\" aria-hidden=\"true\"><\/i><\/span><\/span>No se necesita una tarjeta de transporte: se utiliza la que ya se lleva en la cartera<\/li>\n                                                                                                                                                <li><span aria-hidden=\"true\"><span class=\"starboard-icon\" aria-hidden=\"true\"><i class=\"fa-light fa-check\" aria-hidden=\"true\"><\/i><\/span><\/span>El banco gestiona la infraestructura de pago; el operador de transporte gestiona la l\u00f3gica tarifaria<\/li>\n                                                                                                <\/ul>\n                                            <\/section>\n                            <\/div>\n            <\/div>\n<\/section>\n<\/div><div class=\"block-acf-accordion\">\n<section class=\"starboard-block accordion-block wp-block-acf-accordion surface surface--white section-padding--bottom eyebrow-colour--masabi-red\" id=\"faq\" data-surface=\"white\" data-source-mode=\"manual\" data-js=\"accordion\">\n    <div class=\"wrapper wrapper--block-content accordion-block__container\">\n                    <header class=\"accordion-block__intro\">\n                                    <p class=\"eyebrow accordion-block__eyebrow\">Preguntas frecuentes<\/p>\n                                                    <h2 class=\"accordion-block__title\">Preguntas frecuentes sobre pagos abiertos<\/h2>\n                            <\/header>\n        \n        <div class=\"accordion-block__items\">\n                                            <div class=\"accordion-block__item\">\n                    <h3 class=\"accordion-block__item-heading\">\n                        <button class=\"accordion-block__trigger\" type=\"button\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-0\" aria-expanded=\"true\" aria-controls=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-0\" disabled>\n                            <span>\u00bfLos pasajeros pueden seguir benefici\u00e1ndose de tarifas bonificadas?<\/span>\n                            <span class=\"accordion-block__indicator\" aria-hidden=\"true\"><\/span>\n                        <\/button>\n                    <\/h3>\n                    <div class=\"accordion-block__panel\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-0\" aria-labelledby=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-0\">\n                        <div class=\"accordion-block__panel-inner\">\n                            <p>S\u00ed. Los pasajeros pueden vincular su tarjeta sin contacto a una cuenta de Justride para acceder a bonificaciones, abonos e historial de viajes. Se mantiene la experiencia de acercar la tarjeta y viajar de los pagos abiertos; la bonificaci\u00f3n se aplica en el back office.<\/p>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                                            <div class=\"accordion-block__item\">\n                    <h3 class=\"accordion-block__item-heading\">\n                        <button class=\"accordion-block__trigger\" type=\"button\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-1\" aria-expanded=\"true\" aria-controls=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-1\" disabled>\n                            <span>\u00bfQu\u00e9 ocurre con los pasajeros que no tienen tarjetas bancarias?<\/span>\n                            <span class=\"accordion-block__indicator\" aria-hidden=\"true\"><\/span>\n                        <\/button>\n                    <\/h3>\n                    <div class=\"accordion-block__panel\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-1\" aria-labelledby=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-1\">\n                        <div class=\"accordion-block__panel-inner\">\n                            <p>Los pagos abiertos no sustituyen a los dem\u00e1s medios de pago del transporte, sino que a\u00f1aden una nueva opci\u00f3n. Las agencias que los utilizan suelen seguir admitiendo tarjetas inteligentes, aplicaciones m\u00f3viles y recargas en efectivo en comercios.<\/p>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                                            <div class=\"accordion-block__item\">\n                    <h3 class=\"accordion-block__item-heading\">\n                        <button class=\"accordion-block__trigger\" type=\"button\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-2\" aria-expanded=\"true\" aria-controls=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-2\" disabled>\n                            <span>\u00bfSon seguros los pagos abiertos?<\/span>\n                            <span class=\"accordion-block__indicator\" aria-hidden=\"true\"><\/span>\n                        <\/button>\n                    <\/h3>\n                    <div class=\"accordion-block__panel\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-2\" aria-labelledby=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-2\">\n                        <div class=\"accordion-block__panel-inner\">\n                            <p>Los pagos EMV sin contacto cuentan con la misma protecci\u00f3n que las transacciones con tarjeta en comercios: tokenizaci\u00f3n, autenticaci\u00f3n criptogr\u00e1fica y protecci\u00f3n frente a contracargos. Justride no almacena datos de tarjetas.<\/p>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                                            <div class=\"accordion-block__item\">\n                    <h3 class=\"accordion-block__item-heading\">\n                        <button class=\"accordion-block__trigger\" type=\"button\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-3\" aria-expanded=\"true\" aria-controls=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-3\" disabled>\n                            <span>\u00bfMi agencia necesita nuevos validadores para aceptar pagos abiertos?<\/span>\n                            <span class=\"accordion-block__indicator\" aria-hidden=\"true\"><\/span>\n                        <\/button>\n                    <\/h3>\n                    <div class=\"accordion-block__panel\" id=\"block_36c7124bbd9eb40412624c3857ab177b-faq-panel-3\" aria-labelledby=\"block_36c7124bbd9eb40412624c3857ab177b-faq-trigger-3\">\n                        <div class=\"accordion-block__panel-inner\">\n                            <p>Los validadores deben admitir EMV sin contacto (NFC). Algunas agencias ya disponen de hardware compatible; otras pueden necesitar actualizar o sustituir los lectores. La arquitectura abierta de Justride permite elegir al socio de hardware.<\/p>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"template":"","resource_type":[193],"class_list":["post-15740","resource","type-resource","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pagos abiertos explicados - Masabi<\/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.masabi.com\/es\/resources\/pagos-abiertos-explicados\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pagos abiertos explicados - 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