\documentclass[10pt,a4paper]{article}

% Packages
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%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
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% Document Info
\author{flovic}
\pdfinfo{
  /Title (wallet.pdf)
  /Creator (Cheatography)
  /Author (flovic)
  /Subject (wallet Cheat Sheet)
}

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% Commands
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% Header and Footer
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\fancyhead{} % Set header to blank
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\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{wallet Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{flovic} via \textcolor{DarkBackground}{\uline{cheatography.com/210109/cs/45295/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}flovic \\
  \uline{cheatography.com/flovic} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 19th December, 2024.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{3.44 cm} x{4.56 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Conceptos Generales}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{PCI DSS:}}\textasciicircum{} & \textasciicircum{}Conjunto de estándares de seguridad para proteger datos de tarjetas de pago.\textasciicircum{} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Tokenización}}\textasciicircum{} & \textasciicircum{}Proceso de reemplazo de datos sensibles por un token único y seguro\textasciicircum{} \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Auth 3D Secure}}\textasciicircum{} & \textasciicircum{}Protocolo adicional para autenticar pagos en línea\textasciicircum{} \tn 
% Row Count 11 (+ 3)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{EMVCompliant}}\textasciicircum{} & \textasciicircum{}Cumple con estándares globales para pagos con chip\textasciicircum{} \tn 
% Row Count 14 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{KYC (Know Your Customer)}}\textasciicircum{} & \textasciicircum{}Proceso para verificar la identidad de los clientes y cumplir con normativas contra el lavado de dinero y el fraude\textasciicircum{} \tn 
% Row Count 20 (+ 6)
% Row 5
\SetRowColor{white}
\textasciicircum{}{\bf{Onboarding}}\textasciicircum{} & \textasciicircum{}Proceso de incorporación de un cliente o usuario a un servicio o plataforma\textasciicircum{} \tn 
% Row Count 24 (+ 4)
% Row 6
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Prueba de vida}}\textasciicircum{} & \textasciicircum{}Procedimiento que asegura que el cliente está activo y presente, utilizado comúnmente en validaciones de identidad\textasciicircum{} \tn 
% Row Count 30 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.04 cm} x{4.96 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Participantes en el Ecosistema}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Banco Emisor}}\textasciicircum{} & \textasciicircum{}Institución que emite tarjetas de crédito o débito\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Banco Sponsor}}\textasciicircum{} & \textasciicircum{}Provee respaldo financiero a una plataforma\textasciicircum{} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Banco Depositario}}\textasciicircum{} & \textasciicircum{}Banco que recibe los fondos de las ventas\textasciicircum{} \tn 
% Row Count 7 (+ 2)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{Banco Pagador}}\textasciicircum{} & \textasciicircum{}Entidad que libera fondos para completar un pago\textasciicircum{} \tn 
% Row Count 10 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Banco Receptor}}\textasciicircum{} & \textasciicircum{}Banco que recibe el dinero para el usuario o comercio\textasciicircum{} \tn 
% Row Count 13 (+ 3)
% Row 5
\SetRowColor{white}
\textasciicircum{}{\bf{Entidad Adquirente}}\textasciicircum{} & \textasciicircum{}Habilita a comercios para aceptar pagos con tarjetas\textasciicircum{} \tn 
% Row Count 16 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Red de Tarjetas}}\textasciicircum{} & \textasciicircum{}Organizaciones (Visa, Mastercard) que conectan adquirentes y emisores\textasciicircum{} \tn 
% Row Count 19 (+ 3)
% Row 7
\SetRowColor{white}
\textasciicircum{}{\bf{Fiserv}}\textasciicircum{} & \textasciicircum{}Proveedor global de soluciones financieras y de procesamiento de pagos\textasciicircum{} \tn 
% Row Count 22 (+ 3)
% Row 8
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{PSP }}\textasciicircum{} & \textasciicircum{}Empresa que ofrece servicios para procesar pagos electrónicos a comercios\textasciicircum{} \tn 
% Row Count 26 (+ 4)
% Row 9
\SetRowColor{white}
\textasciicircum{}{\bf{PSI }}\textasciicircum{} & \textasciicircum{}Integrador que conecta sistemas de pago con otros servicios o aplicaciones\textasciicircum{} \tn 
% Row Count 30 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.8 cm} x{5.2 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Pagos con QR}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{QR Estático}}\textasciicircum{} & \textasciicircum{}Código QR fijo, usado para pagos con montos predefinidos\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{QR Interoperable}}\textasciicircum{} & \textasciicircum{}QR que permite realizar pagos con cualquier billetera\textasciicircum{} \tn 
% Row Count 6 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.04 cm} x{4.96 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Infraestructura de Pagos}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Plataforma de Pago}}\textasciicircum{} & \textasciicircum{}Sistema que procesa pagos en línea o físicos\textasciicircum{} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Gateway de Pago}}\textasciicircum{} & \textasciicircum{}Intermediario que conecta comercios con redes de tarjetas\textasciicircum{} \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Procesador de Pagos}}\textasciicircum{} & \textasciicircum{}Empresa encargada del procesamiento técnico de las transacciones\textasciicircum{} \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{PTM }}\textasciicircum{} & \textasciicircum{}(Payment Terminal Manager): Sistema o entidad encargada de gestionar terminales de pago en comercios\textasciicircum{} \tn 
% Row Count 13 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.76 cm} x{4.24 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Identificadores de Cuentas}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{CBU (Clave Bancaria Uniforme)}}\textasciicircum{} & \textasciicircum{}Identificador único para cuentas bancarias en Argentina\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{CVU (Clave Virtual Uniforme)}}\textasciicircum{} & \textasciicircum{}Identificador único para cuentas virtuales en billeteras digitales\textasciicircum{} \tn 
% Row Count 7 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.36 cm} x{4.64 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Tipos de Billeteras}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Billetera Cerrada}}\textasciicircum{} & \textasciicircum{}Solo permite transacciones dentro de su red\textasciicircum{} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Billetera Interoperable}}\textasciicircum{} & \textasciicircum{}Permite interacciones con otros sistemas y redes\textasciicircum{} \tn 
% Row Count 5 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Wallet Emisora}}\textasciicircum{} & \textasciicircum{}Empresa que provee una billetera digital\textasciicircum{} \tn 
% Row Count 7 (+ 2)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{Usuario de Wallet}}\textasciicircum{} & \textasciicircum{}Persona que usa la billetera para transacciones\textasciicircum{} \tn 
% Row Count 10 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.2 cm} x{4.8 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Economía de Pagos / Contratos}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Tasa de Intercambio}}\textasciicircum{} & \textasciicircum{}Comisión que el adquirente paga al emisor por cada transacción\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Comisión de Red}}\textasciicircum{} & \textasciicircum{}Costos cobrados por la red de tarjetas para procesar pagos\textasciicircum{} \tn 
% Row Count 6 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Margen de Adquirente}}\textasciicircum{} & \textasciicircum{}Ganancia del adquirente después de deducir comisiones\textasciicircum{} \tn 
% Row Count 9 (+ 3)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{Contrato/Servicios BU\textasciicircum{}}} & \textasciicircum{}(Business Unit): Acuerdo o relación comercial entre un proveedor de servicios y una unidad de negocio específica.\textasciicircum{} \tn 
% Row Count 14 (+ 5)
% Row 4
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Marked Shared\textasciicircum{}}} & \textasciicircum{}Término relacionado con la compartición de recursos o datos entre diferentes actores del ecosistema de pagos\textasciicircum{} \tn 
% Row Count 19 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.6 cm} x{4.4 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Otros Términos Clave}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Tarjetahabiente}}\textasciicircum{} & \textasciicircum{}Persona titular de una tarjeta de crédito o débito\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Establecimiento de Comercio}}\textasciicircum{} & \textasciicircum{}Negocio que acepta pagos digitales\textasciicircum{} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{FortiWeb}}\textasciicircum{} & \textasciicircum{}Solución de seguridad para aplicaciones web\textasciicircum{} \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
\textasciicircum{}{\bf{IDM}}\textasciicircum{} & \textasciicircum{}Gestión de identidades para autenticar usuarios\textasciicircum{} \tn 
% Row Count 11 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Integración ADML}}\textasciicircum{} & \textasciicircum{}Sistema avanzado de autenticación y autorización\textasciicircum{} \tn 
% Row Count 14 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.08 cm} x{5.92 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Otros Términos Específicos de Argentina}}  \tn
% Row 0
\SetRowColor{LightBackground}
\textasciicircum{}{\bf{Comercio}}\textasciicircum{} & \textasciicircum{}Negocio que utiliza estas herramientas para recibir pagos\textasciicircum{} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\textasciicircum{}{\bf{Fintech}}\textasciicircum{} & \textasciicircum{}Empresas que combinan tecnología con servicios financieros\textasciicircum{} \tn 
% Row Count 6 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}