The head of the fintech association announced in a tweet that 6,000 payment gateways have been blocked due to the lack of this material.
The CEO of Zarinpal, as a payment aid that most of the blockers were among its adopters, and the CEO of Vandar, as a business that none of its adopters were affected by this decision, agree that this work of Shaparak is illegal. They say that the provision of the payment portal is dependent on the provision of this material or the provision of a trade license, and Shaparak behaved in a one-dimensional and tasteful manner in this field and did not consider having a trade license.
According to the IDEA, on November 8, 2023, Mohammad Mehdi Fatemian, the CEO of Zibal and the head of the Fintech Association, criticized the sudden closure of 6,000 payment gateways by Shaparak and wrote: “About 6,000 payment gateways due to the lack of this material without prior notice and sending a list of acceptors.” The payment of the helpers was blocked by Shaparak, Shaparak was aware of the unstable situation these days after the update, and this action is a serious crisis for businesses.”
Although Amin Kolahdozan, head of the e-commerce development center, in response to this tweet, considered the term “instability of this product” as “understatement”; But Fatemian again did not accept the “sustainability of this product” and wrote in response to Kolahdozan: “Personally, I was having trouble entering the company’s profile from last Friday to Sunday. I have seen your hard work and the follow-up of your colleagues, and I am saddened by the fact that the shop has been blocked at this time and without any information.
The right thing at the wrong time
Most of the acceptors whose portals were closed were Zarinpal receivers, and Zarinpal CEO Mustafa Amiri says about this: Out of 6,000 acceptors whose payment portals were blocked, 4300 of them were Zarinpal acceptors, and we recently got access to their final list. . Shaparek cited various reasons for closing these portals, lack of this item, trade code discrepancy in Shoprek and reasons like this were part of the reasons for closing the payment portal of our acceptors.
Amiri continues: We also understand that the supervisory body is acting in the direction of clarification and clarification and refinement should be done in some way, but without prior notification, this move is very disturbing. They could have given us this list earlier and at least 60% of these problems could have been solved and the work would not have closed the payment gateway of businesses. Although the Shaparak team says that it was said two years ago, I believe that if instead of taking punitive action, they would have done it with good judgment and given time, this loss would have affected fewer businesses.
According to Amiri, the correct solution was to give at least a 72-hour period to businesses. He says in this regard: We gave this solution to Shaparak, but they said that due to the pressures of the Central Bank and competent institutions, they could not use this solution. We are used to not being heard!
In addition, it took several weeks for the e-commerce development center and the update of this product, and the conditions of this product have not been stabilized, and there are still problems with basic authentication and Emata. In my opinion, Shaparak’s work was the right thing to do, but at the wrong time, it could have been handled better.
The categories that are now blocked are in the circle of businesses that have a hundred to a thousand transactions per month, and thus a wide variety of medium-sized businesses. From clothing sellers to food distribution, etc., they are all included in this blocking.
This product takes its credit from big businesses
Mehdi Ebadi, the CEO of Vandar, says that none of their acceptors were on the blocked list: We were not affected by this decision today, but we still have a problem with the mandatory procedure of this kind and such strikes.
He continues: In order to require this material, in the first step around February of last year, the Central Bank went to businesses that had little or no transactions, and now in the second step, it has gone to the operators who either do not have this material or are not compliant. It seems that there is a third step that big businesses will be affected by, and if this is done, it will be a crisis.
Ebadi explains: First of all, we are against the requirement of this article in general, and this will seriously harm the businesses and the country’s economy. This symbol is not required anywhere in the world, but optional and chosen by the user. Another point is whether this product takes its credit from big businesses or if it is the big businesses that give credit to this product.
For example, if Digikala doesn’t have this item, no one is worried about buying from Digikala. What are the duties of this organization and does it supervise and where is its responsibility. There are fraud sites that have this product and customers have suffered from these sites, will anyone compensate for this damage? If the issue of authentication is discussed, this work is done by Payyars, Shaparak and PSP. Many businesses are now facing the problems of obtaining this material and renewing it.
According to Ebadi, Shaparak has done this with the knowledge of the problems of the instability of the conditions in this area. He explains: Shaparak was aware that the processes of this product were problematic and the implementation of this step at this moment was out of the friends’ taste. Ticketing, support and login have become difficult for users and now 6 thousand businesses have been blocked.
Ebadi adds: On paper and according to the law of Shaparak, he has violated. Because the provision of the payment gateway depends on the provision of this material or the provision of a trade license. But Shaparak has considered only one section and this is a complete violation of the law and has been done with taste.
What is the solution?
According to Ebadi and Amiri, the solution was and is to provide a deadline for the businesses so that the businesses can look for the production of this material without worrying about their income being blocked, and in the situation that obtaining this license is also facing disruptions. Businesses can look for a license more easily.
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