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Pagare è un verbo che deriva dal latino “pacare”, a sua volta derivato dal termine “Pax”, che vuol dire pace. Pagare vuol dire ricevere un bene o servizio in cambio di una contropartita in denaro, si riferisce all’idea di mettere pace in uno scambio: si deve ricevere una ricompensa equivalente per ciò a cui si è rinunciato – solo allora si può raggiungere la “pace”.
Il metodo di pagamento più diffuso è sempre stato il denaro contante, ma negli ultimi anni la diffusione di strumenti alternativi hanno semplificato il modo di emettere dei pagamenti, sotto lo stretto controllo della Banca d’Italia che promuove l’affidabilità e l’efficienza di questi nuovi strumenti.
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Oltre ai già noti titoli come assegni, bonifici e carte di pagamento, negli ultimi anni si sono diffusi i servizi di pagamento internet, chiamati e-payments, a cui si affiancano anche i pagamenti su dispositivi mobili, definiti m-payments.
L’uso di strumenti di pagamento alternativi al contante sono favorite dalle politiche di inclusione finanziaria, che garantiscono l’accesso a tutte le categorie di utenti per i conti bancari o i pagamenti elettronici e incoraggiano una vasta gamma di fornitori nel riceverli.
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Approfondimenti sui metodi di pagamento
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