I-Plaza Vea supermarket chain ivunyelwe yi-Peruvian consumer authority ngemuva kwecala le- izindleko zekhadi lesikweletu ezingagunyaziwe kwenziwa ekupheleni kuka-2023. Ingxabano yaqala lapho iklayenti lithola amacala amabili aphezulu elingakaze liwavume nokuthi, naphezu kwakho konke, acutshungulwa ngaphandle kokuqinisekiswa okufanele kobunikazi balo.
Ngemva kwezinyanga eziningana zezinqubo zokuphatha, i-Specialized Chamber for Consumer Protection of Indecopi iqinisekisile ukuthi inhlawulo yamayunithi entela angu-11,6 (i-UIT), okulingana no-S/ 62.060, ephetha ngokuthi isitolo esikhulu sehlulekile ukuhambisana nesibopho sokufaneleka ngokungasebenzisi izinyathelo zokuphepha ezidingekayo kulolu hlobo lokusebenza kwekhadi.
Indlela okwatholakala ngayo icala lokusetshenziswa okungaziwa
Ifayela lithi ingxabano yaqala ngo- December 31 we-2023, lapho kucutshungulwa ukuthengwa okubili esikhungweni sasePlaza Vea kusetshenziswa ikhadi lesikweletu le S / 3.980 y S / 23.789Umnikazi wekhadi wabe esebona lezi zivumelwano futhi wathi wayengazenzanga noma akazigunyazanga, nokuthi zazingaphezu kwamandla akhe.
Ebhekene nalesi simo, umthengi ufake isicelo isikhalazo esisemthethweni ngoMashi 2024 phambi kweHhovisi Lesifunda lase-Indecopi laseLa Libertad. Esitatimendeni sakhe, wagcizelela ukuthi, yize ukuthengiselana kwenziwa ngokufaka ikhadi nokusebenzisa ikhodi eyimfihlo (i-PIN), umthengisi akazange aqinisekise nganoma yisiphi isikhathi ukuthi umuntu osebenzise indlela yokukhokha empeleni wayengumnikazi wekhadi.
I-Technical Secretariat yeKhomishini yamukele isikhalazo ukuze sicutshungulwe ngesinqumo ngoMeyi 2024 futhi yamangalela inkampani ngecala elisolwayo ukwephulwa kwesigaba 19 seKhodi Yokuvikela Nokuvikela AbathengiNgokukhethekile, kwabuzwa ukuthi kungani inhlangano ingazange izamukele izinyathelo zokuphepha ezidingekayo ukuvimbela ukuthengiselana kwamakhadi okungagunyaziwe.
Ngesikhathi senqubo, iPlaza Vea yethule ukukhishwa ngoJuni 2024ukuphika icala futhi bephikisana ngokuthi benze ngokuvumelana nemithetho yemikhakha yezezimali neyokuthengisa, uma kubhekwa ukuthi ukuthengwa kwenziwe ngokufaka i-PIN yekhasimende ngendlela efanele.
Ngemva kokuhlaziya imibhalo, Ikhomishini Yehhovisi Lesifunda le-Indecopi yaseLa Libertad Yakhipha isinqumo ngoNovemba 2024 esimemezela ukuthi isikhalazo siyasebenza. Ngaphezu kwenhlawulo engu-11,6 UIT, yayala ukukhokhwa kwezindleko zenqubo kanye nokubhaliswa kwecala ku-Registry of Infractions and Sanctions (RIS) yesikhungo.
Izimpikiswano zePlaza Vea kanye nokubuyekezwa kwecala esimweni sesibili
Le nkampani, ekhonjwe kufayela njenge Inkampani Yokuthengisa Ukudla i-SAC – Plaza VeaWanquma ukudlulisa icala ngalesi sinqumo. Esikhalweni sakhe, waphikisana ngokuthi wenze ngokucophelela ngoba ukuthengiselana okukhulunywa ngakho kwenziwa kusetshenziswa i-PIN eyimfihlo yomnikazi wekhadi, ulwazi okufanele, ngokombono, lwaziwe yikhasimende kuphela.
Le nkampani yaphikisana ngokuthi Ukusetshenziswa kwe-PIN kwakha indlela yokuqinisekisa evumelekile nokuthi imithethonqubo ethile yesigaba esithile, kuzo zonke izimo, ayizange idinge ukuqinisekiswa okwengeziwe kobunikazi lapho uhlelo luqinisekisa ukuthi iphasiwedi ilungile. Ngaphezu kwalokho, lucaphune izinqumo zangaphambilini ezivela kwezinye izinhlangano zokuphatha lapho, ngokwencazelo yalo, ukufakwa kwephasiwedi kwakubhekwa njengokwanele.
IPlaza Vea nayo ibuze ukuthi ukulingana kwenhlawulo futhi wafuna ukuthi kokubili inhlawulo yezezimali kanye nesibopho sokuthatha izindleko zenqubo kususwe, egcizelela ukuthi umthwalo wemfanelo wokukhwabanisa akufanele ube sesikhungweni.
Isikhalazo sibuyekezwe yi- Ikamelo Elikhethekile Lokuvikela Abathengi LeNkantolo Yokuvikela Ukuncintisana Nempahla YobuhlakaniIsigungu esibukeze yonke inqubo yokuqala. Esinqumweni saso, esihlonzwe njengeSinqumo 2908-2025/SPC-INDECOPI futhi sangomhlaka-15 Septhemba 2025, iChamber yaqinisekisa ngokugcwele isinqumo seKhomishini.
Elinye lamaphuzu abalulekile okuhlaziywa kwaba ukuhlolwa kwe- amarisidi okukhokha ahlobene nokuthengiselanaBabenemibhalo ethi "I-PIN VERIFIED" kuphela, kodwa abazange bafake idatha eyisisekelo yokuhlonza amakhasimende, njengegama noma inombolo kamazisi yomnikazi wekhadi.
Isibopho sokuqinisekisa ubuwena bekhasimende
Ngokusho kweNkantolo, iMithethonqubo Yekhadi Lesikweletu Neledebithi, evunyiwe yi- I-Superintendency of Banking, Insurance kanye ne-AFP (SBS)Lokhu kudinga amabhizinisi axhumene nawo ukuthi asebenzise izinyathelo zokuphepha ngasikhathi sinye, hhayi ngokushintshana. Ngamanye amazwi, ukuqinisekiswa kwe ukufaneleka kwekhadi, ukuqinisekiswa kwe ubunikazi bomsebenzisi futhi, uma kusebenza, ukucela isiginesha sekhasimende erisidini.
Ngokusekelwe kulokhu kuchazwa, isinqumo sigcizelela ukuthi Ukusetshenziswa kwe-PIN akuthathi indawo yokuhlonza kwangaphambilini nokuthembekile komnikaziIqiniso lokuthi uhlelo luqinisekisa ukhiye, ngokwalo, alikhululi inkampani esibophweni sokuqinisekisa ukuthi ubani ngempela ophethe ikhadi ngesikhathi sokuthenga.
Empeleni, lokhu kusho ukuthi amabhizinisi kumele aqinise izinqubo zawo zokuthengisa mathupha, ecela, isibonelo, idokhumenti yobunikazi y ukuqinisekisa ukuthi idatha iyafana neyepulasitikiUma lesi sinyathelo singenziwa futhi, kamuva, ukusetshenziswa okungaziwa kuvela, umthwalo wemfanelo udluliselwa kumhlinzeki wesevisi.
INkantolo ikhumbule ukuthi Isigaba 19 seKhodi Yokuvikelwa Kwabathengi Nokuzivikela Isigaba 19 seMithethonqubo yeKhadi Lesikweletu kanye neDebit sinquma ukuthi abahlinzeki banesibopho sekhwalithi kanye nokufaneleka kwensizakalo enikezwayo. Ngokuphathelene nokukhokha ngamakhadi, ukufaneleka kuhlanganisa ukuqinisekisa ukuthi izinqubo ezilandelayo zilandelwe: izinqubo zokuphepha ezidingekayo ngaphambi kokuvuma ukuthengiselana.
Ngakho-ke, inhlangano ehlulelayo yaphetha ngokuthi iPlaza Vea yehlulekile ukufeza umsebenzi wayo wokuhlonza umthengi kahle, futhi ngenxa yalokho, yephula izintshisekelo zezomnotho zomthengi othintekile. Njengoba kungazange kuboniswe ukuthi inqubo yokuhlonza ilandelwe, umthwalo wemfanelo we ukuthengiselana okungaziwa iwela ebhizinisini.
Imininingwane yesijeziso sezezimali kanye nemiphumela yaso enkampanini
Ngokuphathelene nenani lesijeziso, iNkantolo yaqinisekisa inhlawulo engu-11,6 UIT ekuqaleni kwamiswa yiKhomishini. Kwacatshangelwa ukuthi inani eliphelele lokusetshenziswa okubuzwayo lidlule ama-UIT angu-4 kodwa lingaphansi kwama-UIT angu-8, nokuthi inkampani evunyelwe inesimo senkampani enkulu emkhakheni wokuthengisa ukudla.
Umzimba wasekolishi wahlukanisa lesi senzo njengesenzeke ngokushesha futhi awuzange uthole izimo ezinciphisa noma ezibangela ukucindezeleka izici ezifanele ezazingavumela ukwehliswa noma ukukhushulwa kwenhlawulo ngaphakathi kwemingcele esemthethweni azizange zicatshangelwe. Ngakho-ke, isijeziso sahlala ngaphakathi kwemingcele ebekwe yimithetho yamanje.
Ngaphezu kwenhlawulo, isinqumo siqinisekisile ukuthi ukubhaliswa kokwephulwa komthetho kuRejista Yokwephulwa Komthetho kanye Nezijeziso ze-Indecopi, isici esingacatshangelwa ezinqubweni zokuphatha zesikhathi esizayo futhi esisebenza njengesibonelo sokuziphatha kwenkampani maqondana nemithetho yabathengi.
I-Indecopi iphinde yafuna inkampani ukuthi inkokhelo yokuzithandela yenhlawulo kanye nezindleko ethathwe kule nqubo, exwayisa ngokuthi, uma kungalandelwa imithetho, inqubo yokuqoqwa kwempahla ephoqelelwe ingaqalwa ukuqinisekisa ukuqoqwa kwezimali ezikweletwayo.
Leli cala liwela ngaphansi komugqa wesinyathelo seziphathimandla zasePeru oqinisa isidingo se- izilawuli zokuphepha ngokutholwa kokukhwabanisa kusetshenziswa ubuhlakani bokwenziwaikakhulukazi uma kunomlando wokukhwabanisa noma izimangalo zamacala angagunyaziwe. Nakuba lesi sinqumo sibhekisela ebhizinisini elithile, izindlela zokukhokha zingasetshenziswa kwezinye izikhungo ezamukela lezi zindlela zokukhokha.
Ukufaneleka kwaleli cala kumabhizinisi nakubathengi
Ngaphandle kwesijeziso esiqondile esibhekiswe ku-Plaza Vea, isinqumo se-Specialized Chamber for Consumer Protection sithumela umyalezo ocacile emakethe: Ukuthembela ku-PIN akwanele noma ezinhlelweni zokugunyazwa ezenzakalelayo ukuze kucatshangelwe ukuthi ukuthengiselana ngekhadi kuqinisekiswe kahle.
Kumabhizinisi, ikakhulukazi izitolo ezinkulu, izitolo ezinkulu, noma izitolo ze-elekthronikhi, inqubo isebenza njenge isikhumbuzo sokuthi kumele baqinise izinqubo zabo zangaphakathi kanye sebenzisa amamodeli engoziUkufuna ukwethulwa kwedokhumenti kamazisi, ukuqinisekisa ukuthi idatha yomnikazi iyafana naleyo esekhadini, nokurekhoda lolo lwazi erisidini kuyizinyathelo, nakuba zingase zibonakale zinzima, eziba ezibalulekile lapho ukuphepha kwabathengi kusengozini.
Ngokombono womsebenzisi, leli cala liqokomisa ukubaluleka kokuthi buyekeza njalo ukuthengiselana kwamakhadi futhi, uma ithola inkokhelo engaziwa, Thola ukuthi ungayikhansela kanjani inkokhelo yekhadiIzenzo zekhasimende elithintekile, ekufakeni isikhalazo ezinyangeni ezimbalwa ngemva kwezehlakalo, zavumela iziphathimandla ukuthi zakhe kabusha okwenzekile futhi zinqume imithwalo yemfanelo.
Nakuba lesi sinqumo sakhishwa ePeru, indlela ifana neyeziphathimandla eziningi zabathengi eYurophu naseSpain, lapho kugcizelelwa khona abahlinzeki bezinsizakalo zokukhokha kanye nabathengisi abamukelayo Izinyathelo zokulwa nokukhwabanisa nge-paytech eLatin America kanye nezinyathelo zokuqinisekisa ezithuthukisiwe zokunciphisa ingozi yokukhwabanisa. Umkhuba wokulawula ucacile: umthwalo wokuvikela amakhasimende uwela kakhulu kulabo abanikeza futhi baphathe izindlela zokukhokha.
Isijeziso esibhekiswe ku-Plaza Vea siba yisibonelo esibalulekile maqondana Umthwalo wemfanelo wezikhungo zokusetshenziswa okungaziwa ngekhadi lesikweletu. Isinqumo sikwenza kucace ukuthi ukuvikelwa kwabathengi kudinga okungaphezu kwezinhlelo ezizenzakalelayo: kudinga ukulawulwa kwabantu, ukuqinisekiswa kwedokhumenti, kanye nesiko lokuphepha, lapho lisetshenziswa kahle, lingavimbela kokubili ukukhwabanisa kanye nezingxabano ezinde zokuphatha kanye nezomthetho.