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SAO PAULO: Brazil's central bank on Tuesday cleared the way for Facebook<\/a>'s WhatsApp<\/a> messaging service<\/a> to let its users send each other funds using the Visa Inc and Mastercard card networks<\/a>, months after vetoing WhatsApp's initial attempt.
When WhatsApp tried to launch the transfer service last June, the central bank said it could damage Brazil's existing payments system<\/a> in terms of competition, efficiency and data privacy, adding that the service had failed to obtain the needed licenses.
The regulatory friction was the latest setback for Facebook's effort to use its social media platforms to compete with banks and fintechs in allowing fast electronic funds transfers.
The regulatory approval comes months after the central bank launched its own instant payments system in November, called Pix, which has since been widely adopted.
After initially trying to avoid becoming a financial services company in Brazil and seeking to piggyback on Visa and Mastercard<\/a>'s existing central bank licenses, WhatsApp surrendered to regulatory pressure, obtaining formal approval as a payments initiator<\/a> using Visa and Mastercard as processors.
Both card networks also had to obtain new permits to operate with Facebook's messaging app, which itself will be regulated by the central bank.
Still, WhatsApp is only allowed to do peer-to-peer payments, not involving merchants, unlike the free Pix service, which can be used to pay businesses and individuals. Facebook is still seeking approval to operate with merchants.
\"(We) are making the final preparations to have payments on WhatsApp available in Brazil as soon as possible,\" a WhatsApp spokesperson said in a statement. The messaging platform, which has over 120 million users in Brazil, did not say when it will start offering the service.
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Facebook消息传递服务延迟支付巴西点头
当WhatsApp试图推出转移服务去年6月,中央银行说,它可能会损害巴西现有的支付系统的竞争,服务效率和数据隐私,未能获得必要的许可证。
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圣保罗,巴西央行周二扫清了道路脸谱网的WhatsApp 消息传递服务让用户发送使用Visa Inc .和对方资金万事达信用卡网络,几个月后否决WhatsApp最初的尝试。
当WhatsApp试图推出转移服务去年6月,中央银行说,它可能会损害巴西现有的支付系统在竞争方面,服务效率和数据隐私,未能获得必要的许可证。
监管摩擦的最新挫折是Facebook的努力利用社交媒体平台与银行和fintechs允许快速电子资金转移。
监管部门的批准是几个月后,中央银行在11月推出了自己的即时支付系统,称为沥青,它已经被广泛采用。
在最初试图避免成为金融服务公司在巴西和寻求签证和上沾光万事达卡现有的中央银行执照,WhatsApp投降监管压力,获得正式批准的支付启动程序使用Visa和万事达处理器。
卡网络还必须获得新的许可经营与Facebook的消息传递应用程序,这本身将由央行监管。
WhatsApp仍然只能做点对点支付,不包括商人,与免费影片服务可以用来支付企业和个人。Facebook仍然是寻求审批的凭商人经营。
“(我们)正在最后的准备有支付WhatsApp可用在巴西尽快“WhatsApp发言人在一份声明中说。消息传递平台,有超过1.2亿用户在巴西,没有说什么时候会开始提供服务。
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