{"id":3419,"date":"2025-06-06T09:28:15","date_gmt":"2025-06-06T09:28:15","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=3419"},"modified":"2025-06-06T09:32:30","modified_gmt":"2025-06-06T09:32:30","slug":"tokenization-in-payments-security-compliance-guide-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/tokenization-in-payments-security-compliance-guide-3\/","title":{"rendered":"Tokeniza\u00e7\u00e3o: um pilar da seguran\u00e7a em pagamentos"},"content":{"rendered":"<p data-start=\"529\" data-end=\"902\">\u00c0 medida que os pagamentos digitais continuam a crescer globalmente, a tokeniza\u00e7\u00e3o se consolida como uma ferramenta essencial no combate \u00e0 fraude e na prote\u00e7\u00e3o de dados sens\u00edveis. Segundo o relat\u00f3rio da Visa de 2024, a tokeniza\u00e7\u00e3o pode reduzir fraudes em pagamentos em at\u00e9 <strong data-start=\"802\" data-end=\"809\">60%<\/strong>. No entanto, mais de <strong data-start=\"831\" data-end=\"885\">70% dos comerciantes ainda n\u00e3o utilizam plenamente<\/strong> essa tecnologia.<\/p>\n<p data-start=\"904\" data-end=\"1146\">Ao substituir os dados reais do cart\u00e3o por um token seguro e irrevers\u00edvel, essa tecnologia garante que os n\u00fameros reais do cart\u00e3o <strong data-start=\"1034\" data-end=\"1058\">nunca sejam expostos<\/strong> durante uma transa\u00e7\u00e3o \u2014 aumentando a confian\u00e7a do consumidor e a seguran\u00e7a da opera\u00e7\u00e3o.<\/p>\n<p data-start=\"904\" data-end=\"1146\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3420 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Tokenization-in-Payments-Security-Compliance-and-Implementation-Guide1-2.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2 data-start=\"1148\" data-end=\"1204\">Como funciona a tokeniza\u00e7\u00e3o \u2014 e seus diferentes tipos<\/h2>\n<h3 data-start=\"1206\" data-end=\"1231\">Fluxo de tokeniza\u00e7\u00e3o:<\/h3>\n<ul data-start=\"1233\" data-end=\"1629\">\n<li data-start=\"1233\" data-end=\"1333\">\n<p data-start=\"1235\" data-end=\"1333\"><strong data-start=\"1235\" data-end=\"1255\">Entrada de dados<\/strong>: o usu\u00e1rio insere os dados do cart\u00e3o (ex.: 4111 1111 1111 1111) no checkout<\/p>\n<\/li>\n<li data-start=\"1334\" data-end=\"1442\">\n<p data-start=\"1336\" data-end=\"1442\"><strong data-start=\"1336\" data-end=\"1360\">Solicita\u00e7\u00e3o de token<\/strong>: o sistema do comerciante envia os dados ao Provedor de Servi\u00e7os de Token (TSP)<\/p>\n<\/li>\n<li data-start=\"1443\" data-end=\"1524\">\n<p data-start=\"1445\" data-end=\"1524\"><strong data-start=\"1445\" data-end=\"1465\">Gera\u00e7\u00e3o de token<\/strong>: o TSP retorna um token seguro (ex.: tok_789e12fg45hi67)<\/p>\n<\/li>\n<li data-start=\"1525\" data-end=\"1629\">\n<p data-start=\"1527\" data-end=\"1629\"><strong data-start=\"1527\" data-end=\"1557\">Processamento da transa\u00e7\u00e3o<\/strong>: o token \u00e9 utilizado como um n\u00famero de cart\u00e3o real na rede de pagamento<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1631\" data-end=\"1662\">Caracter\u00edsticas principais:<\/h3>\n<p data-start=\"1664\" data-end=\"1859\">\u2705 <strong data-start=\"1666\" data-end=\"1687\">Irreversibilidade<\/strong> \u2013 os tokens n\u00e3o t\u00eam liga\u00e7\u00e3o matem\u00e1tica com o PAN original<br data-start=\"1745\" data-end=\"1748\" \/>\u2705 <strong data-start=\"1750\" data-end=\"1769\">Uso direcionado<\/strong> \u2013 tokens podem ser vinculados a um comerciante ou dispositivo espec\u00edfico (ex.: Apple Pay)<\/p>\n<h3 data-start=\"1861\" data-end=\"1880\">Tipos de token:<\/h3>\n<div class=\"_tableContainer_16hzy_1\">\n<div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"1882\" data-end=\"2281\">\n<thead data-start=\"1882\" data-end=\"1960\">\n<tr data-start=\"1882\" data-end=\"1960\">\n<th data-start=\"1882\" data-end=\"1902\" data-col-size=\"sm\">Tipo de Token<\/th>\n<th data-start=\"1902\" data-end=\"1930\" data-col-size=\"sm\">Caso de uso<\/th>\n<th data-start=\"1930\" data-end=\"1960\" data-col-size=\"sm\">Exemplo de Token<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2041\" data-end=\"2281\">\n<tr data-start=\"2041\" data-end=\"2121\">\n<td data-start=\"2041\" data-end=\"2062\" data-col-size=\"sm\">Token de Pagamento<\/td>\n<td data-start=\"2062\" data-end=\"2090\" data-col-size=\"sm\">Servi\u00e7os por assinatura<\/td>\n<td data-start=\"2090\" data-end=\"2121\" data-col-size=\"sm\">tok_v4s9...<\/td>\n<\/tr>\n<tr data-start=\"2122\" data-end=\"2200\">\n<td data-start=\"2122\" data-end=\"2143\" data-col-size=\"sm\">Token de Gateway<\/td>\n<td data-start=\"2143\" data-end=\"2177\" data-col-size=\"sm\">Espec\u00edfico do PSP (ex.: Stripe)<\/td>\n<td data-start=\"2177\" data-end=\"2200\" data-col-size=\"sm\">pi_3LN...<\/td>\n<\/tr>\n<tr data-start=\"2201\" data-end=\"2281\">\n<td data-start=\"2201\" data-end=\"2222\" data-col-size=\"sm\">Token de Rede<\/td>\n<td data-start=\"2222\" data-end=\"2251\" data-col-size=\"sm\">Emissor (Visa, Mastercard)<\/td>\n<td data-start=\"2251\" data-end=\"2281\" data-col-size=\"sm\">4895 12XX XXXX 9012<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 data-start=\"2283\" data-end=\"2327\">Benef\u00edcios regulat\u00f3rios e de conformidade<\/h2>\n<h3 data-start=\"2329\" data-end=\"2360\">Redu\u00e7\u00e3o do escopo PCI DSS<\/h3>\n<p data-start=\"2361\" data-end=\"2589\">A tokeniza\u00e7\u00e3o pode reduzir os requisitos de conformidade <a href=\"http:\/\/pcisecuritystandards.org\">PCI<\/a> em at\u00e9 <strong data-start=\"2429\" data-end=\"2436\">80%<\/strong> (TokenEx, 2023). Como apenas o TSP manipula os dados do cart\u00e3o em sua forma original, os comerciantes evitam o contato direto com informa\u00e7\u00f5es sens\u00edveis.<\/p>\n<h3 data-start=\"2591\" data-end=\"2624\">Alinhamento com GDPR e PSD2<\/h3>\n<p data-start=\"2625\" data-end=\"2857\">De acordo com o Artigo 4(5) do GDPR, tokens s\u00e3o classificados como dados pseudonimizados. Al\u00e9m disso, transa\u00e7\u00f5es com tokens de rede podem se qualificar para isen\u00e7\u00f5es de <strong data-start=\"2794\" data-end=\"2833\">Autentica\u00e7\u00e3o Forte de Cliente (SCA)<\/strong> exigidas pela <strong data-start=\"2848\" data-end=\"2856\">PSD2<\/strong>.<\/p>\n<h2 data-start=\"2859\" data-end=\"2934\">Impacto nos neg\u00f3cios: redu\u00e7\u00e3o de fraudes e melhor experi\u00eancia do usu\u00e1rio<\/h2>\n<h3 data-start=\"2936\" data-end=\"2952\">Caso real:<\/h3>\n<p data-start=\"2953\" data-end=\"3037\">Ap\u00f3s implementar a tokeniza\u00e7\u00e3o de rede, uma plataforma de viagens europeia reportou:<\/p>\n<ul data-start=\"3039\" data-end=\"3168\">\n<li data-start=\"3039\" data-end=\"3085\">\n<p data-start=\"3041\" data-end=\"3085\">Redu\u00e7\u00e3o de <strong data-start=\"3052\" data-end=\"3059\">58%<\/strong> em pedidos fraudulentos<\/p>\n<\/li>\n<li data-start=\"3086\" data-end=\"3168\">\n<p data-start=\"3088\" data-end=\"3168\">Aumento de <strong data-start=\"3099\" data-end=\"3106\">11%<\/strong> na taxa de aprova\u00e7\u00e3o (devido \u00e0 maior confian\u00e7a dos emissores)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3170\" data-end=\"3391\">Os cofres de tokens permitem experi\u00eancias de <strong data-start=\"3215\" data-end=\"3241\">checkout com um clique<\/strong> sem armazenar dados do cart\u00e3o, e os tokens de rede ajudam a contornar restri\u00e7\u00f5es regionais \u2014 especialmente \u00fateis em <strong data-start=\"3358\" data-end=\"3390\">pagamentos transfronteiri\u00e7os<\/strong>.<\/p>\n<h2 data-start=\"3393\" data-end=\"3425\">Diretrizes para implementa\u00e7\u00e3o<\/h2>\n<h3 data-start=\"3427\" data-end=\"3478\">Para PSPs (Provedores de Servi\u00e7o de Pagamento):<\/h3>\n<ul data-start=\"3480\" data-end=\"3713\">\n<li data-start=\"3480\" data-end=\"3532\">\n<p data-start=\"3482\" data-end=\"3532\">Fazer parceria com TSPs certificados PCI N\u00edvel 1<\/p>\n<\/li>\n<li data-start=\"3533\" data-end=\"3635\">\n<p data-start=\"3535\" data-end=\"3635\">Garantir conformidade das APIs com os padr\u00f5es da <strong data-start=\"3584\" data-end=\"3593\">EMVCo<\/strong> (especialmente para carteiras digitais)<\/p>\n<\/li>\n<li data-start=\"3636\" data-end=\"3713\">\n<p data-start=\"3638\" data-end=\"3713\">Implementar gerenciamento do ciclo de vida do token (expira\u00e7\u00e3o e revoga\u00e7\u00e3o)<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3715\" data-end=\"3737\">Para comerciantes:<\/h3>\n<ul data-start=\"3739\" data-end=\"3861\">\n<li data-start=\"3739\" data-end=\"3780\">\n<p data-start=\"3741\" data-end=\"3780\">Exigir suporte a tokeniza\u00e7\u00e3o dos PSPs<\/p>\n<\/li>\n<li data-start=\"3781\" data-end=\"3861\">\n<p data-start=\"3783\" data-end=\"3861\">Auditar logs de solicita\u00e7\u00e3o de tokens a cada trimestre para detectar anomalias<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3863\" data-end=\"4125\">Com solu\u00e7\u00f5es como a <a href=\"https:\/\/buvei.com\/\"><strong data-start=\"3883\" data-end=\"3930\">infraestrutura de cart\u00f5es virtuais da Buvei<\/strong><\/a>, empresas podem integrar tokeniza\u00e7\u00e3o em seu sistema de pagamentos com facilidade \u2014 aumentando a <strong data-start=\"4027\" data-end=\"4062\">seguran\u00e7a de transa\u00e7\u00f5es globais<\/strong> e a <strong data-start=\"4067\" data-end=\"4084\">flexibilidade<\/strong>, com <strong data-start=\"4090\" data-end=\"4124\">baixo custo de desenvolvimento<\/strong>.<\/p>\n<h2 data-start=\"4127\" data-end=\"4153\">O futuro da tokeniza\u00e7\u00e3o<\/h2>\n<p data-start=\"4155\" data-end=\"4226\">Tend\u00eancias emergentes devem expandir ainda mais o papel da tokeniza\u00e7\u00e3o:<\/p>\n<ul data-start=\"4228\" data-end=\"4503\">\n<li data-start=\"4228\" data-end=\"4374\">\n<p data-start=\"4230\" data-end=\"4374\"><strong data-start=\"4230\" data-end=\"4276\">Moedas digitais de bancos centrais (CBDCs)<\/strong>: o projeto-piloto do euro digital do Banco Central Europeu inclui arquitetura baseada em tokens<\/p>\n<\/li>\n<li data-start=\"4375\" data-end=\"4503\">\n<p data-start=\"4377\" data-end=\"4503\"><strong data-start=\"4377\" data-end=\"4402\">Vincula\u00e7\u00e3o biom\u00e9trica<\/strong>: a Mastercard pretende lan\u00e7ar testes com pareamento de tokens com biometria facial e de voz at\u00e9 2025<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"\u00c0 medida que os pagamentos digitais continuam a crescer globalmente, a tokeniza\u00e7\u00e3o se consolida como uma ferramenta essencial&hellip;","protected":false},"author":2,"featured_media":3411,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[27],"tags":[436,1499],"class_list":{"0":"post-3419","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-pt","8":"tag-payment-en-pt","9":"tag-tokenization-pt","10":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/3419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=3419"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/3419\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/3411"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=3419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=3419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=3419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}