{"id":37336,"date":"2026-05-09T05:15:09","date_gmt":"2026-05-09T05:15:09","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=37336"},"modified":"2026-05-09T05:15:09","modified_gmt":"2026-05-09T05:15:09","slug":"fca-2026-investigacao-antitruste-paypal-visa-mastercard-no-reino-unido","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/fca-2026-investigacao-antitruste-paypal-visa-mastercard-no-reino-unido\/","title":{"rendered":"FCA 2026: Investiga\u00e7\u00e3o Antitruste PayPal Visa Mastercard no Reino Unido"},"content":{"rendered":"<h2><strong>Investiga\u00e7\u00e3o Antitruste FCA: PayPal, Visa e Mastercard no Reino Unido<\/strong><\/h2>\n<div><\/div>\n<div>A <strong>Autoridade de Conduta Financeira do Reino Unido (FCA)<\/strong> iniciou uma grande investiga\u00e7\u00e3o antitruste contra <strong>PayPal, Visa e Mastercard<\/strong>. A apura\u00e7\u00e3o concentra-se nos acordos comerciais que regem carteiras digitais \u2014 as pr\u00f3prias <strong>infraestruturas de pagamento<\/strong> que viabilizam bilh\u00f5es em dep\u00f3sitos para o setor de corretoras de <strong>FX e CFD<\/strong> no Reino Unido.<\/div>\n<div>\n<h2 data-path-to-node=\"3\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-37317\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/05\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-9-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<div>Lan\u00e7ada em mar\u00e7o de 2026, a investiga\u00e7\u00e3o tem como objetivo verificar se as rela\u00e7\u00f5es contratuais entre as maiores redes de cart\u00f5es do mundo e a principal provedora de carteira digital est\u00e3o distorcendo o mercado e limitando a escolha do consumidor.<\/div>\n<div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n<\/div>\n<h2><strong>Apura\u00e7\u00e3o FCA nas Infraestruturas de Pagamento: <a href=\"https:\/\/buvei.com\/blog\/coinbase-uk-payroll-faces-wise-payment-blocks-amid-fca-rules\/\">Impacto em Negocia\u00e7\u00f5es e Concorr\u00eancia<\/a><\/strong><\/h2>\n<div><\/div>\n<h4>Resumo Executivo<\/h4>\n<div><\/div>\n<div>A FCA investiga se os acordos entre o PayPal e o duop\u00f3lio Visa\/Mastercard violam a <strong>Lei de Concorr\u00eancia de 1998<\/strong>. Especificamente, o regulador analisa como a carteira digital PayPal \u00e9 financiada e utilizada. Isso gera implica\u00e7\u00f5es diretas para os setores de FX e CFD, onde plataformas como IG, CMC Markets e Plus500 dependem fortemente desses tr\u00eas provedores para dep\u00f3sitos instant\u00e2neos de clientes.<\/div>\n<div><\/div>\n<h3><strong>Quadro Jur\u00eddico da Investiga\u00e7\u00e3o<\/strong><\/h3>\n<div><\/div>\n<div>A FCA exerce seus poderes de concorr\u00eancia para analisar dois tipos espec\u00edficos de abuso potencial de mercado:<\/div>\n<div><\/div>\n<ul>\n<li><strong>Cap\u00edtulo I (Acordos Restritivos)<\/strong>: A FCA suspeita que acordos entre PayPal e as redes de cart\u00f5es podem impedir, restringir ou distorcer a concorr\u00eancia no Reino Unido. Geralmente est\u00e1 relacionado a cl\u00e1usulas <strong>anti-direcionamento<\/strong> ou estruturas de taxas que favorecem m\u00e9todos de financiamento espec\u00edficos em detrimento de outros.<\/li>\n<li><strong>Cap\u00edtulo II (Abuso de Posi\u00e7\u00e3o Dominante)<\/strong>: Visa e Mastercard est\u00e3o sob escrut\u00ednio para verificar se usam seu dom\u00ednio de mercado para impor termos desiguais a provedores de carteiras digitais e comerciantes.<\/li>\n<\/ul>\n<div><\/div>\n<h2><strong>Relev\u00e2ncia para o Setor de FX e CFD<\/strong><\/h2>\n<div><\/div>\n<div>Para traders retail, o conjunto <strong>Visa\/Mastercard\/PayPal<\/strong> \u00e9 o principal m\u00e9todo de financiamento de contas. As principais corretoras autorizadas pela FCA dependem dessas infraestruturas pela velocidade e facilidade de uso.<\/div>\n<div><\/div>\n<div>\n<div>\n<div>\u8868\u683c<\/div>\n<div>\n<div tabindex=\"0\" aria-describedby=\"xh4mzf4\"><\/div>\n<div tabindex=\"0\" aria-describedby=\"ojun2rt\"><\/div>\n<div tabindex=\"0\" aria-describedby=\"646s8z5\"><\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>\n<table>\n<thead>\n<tr>\n<th>Corretora<\/th>\n<th>Infraestruturas de Financiamento Suportadas<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>IG Group<\/td>\n<td>Visa, Mastercard, PayPal, Transfer\u00eancia Banc\u00e1ria<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/buvei.com\/blog\/the-rise-of-ai-in-payment-personalization\/\">CMC Markets<\/a><\/td>\n<td>Visa, Mastercard, PayPal (Regional)<\/td>\n<\/tr>\n<tr>\n<td>Plus500<\/td>\n<td>Visa, Mastercard, PayPal, Skrill<\/td>\n<\/tr>\n<tr>\n<td>Pepperstone<\/td>\n<td>Visa, Mastercard, PayPal, Transfer\u00eancia Banc\u00e1ria<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<h4>Principais Riscos<\/h4>\n<div><\/div>\n<div>Caso a FCA constate que esses acordos inflacionam artificialmente taxas ou restringem alternativas mais baratas de dep\u00f3sito (como o <strong>Open Banking<\/strong>), poder\u00e1 haver aumento nos custos de transa\u00e7\u00e3o para corretoras \u2014 custos que geralmente s\u00e3o repassados aos traders por meio de spreads maiores ou sobretaxas de dep\u00f3sito.<\/div>\n<div><\/div>\n<h2><strong>Contexto Regulat\u00f3rio Global<\/strong><\/h2>\n<div><\/div>\n<div>A apura\u00e7\u00e3o do Reino Unido n\u00e3o \u00e9 um evento isolado; segue uma s\u00e9rie de a\u00e7\u00f5es internacionais contra as mesmas tr\u00eas grandes empresas de pagamento:<\/div>\n<div><\/div>\n<ul>\n<li><strong>FTC dos EUA<\/strong>: Recentemente alertou essas empresas contra a pr\u00e1tica de excluir clientes por posicionamentos pessoais, com base na Se\u00e7\u00e3o 5 da Lei FTC.<\/li>\n<li><strong>Acordo de US$ 38 Bilh\u00f5es<\/strong>: No ano passado, Visa e Mastercard fecharam um acordo antitruste de 20 anos com comerciantes americanos sobre <strong>taxas de uso de cart\u00e3o<\/strong>, aceitando redu\u00e7\u00e3o m\u00ednima de 0,1 ponto percentual.<\/li>\n<li><strong>Open Finance 2030<\/strong>: A investiga\u00e7\u00e3o alinha-se com o roteiro 2030 da FCA, que busca inserir aplicativos de investimento em um ecossistema mais favor\u00e1vel ao <strong>Open Finance<\/strong>, priorizando transfer\u00eancias diretas banco-corretora em detrimento de infraestruturas baseadas em cart\u00f5es.<\/li>\n<\/ul>\n<div>\n<h2 data-path-to-node=\"19\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36422\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Best-USD-Virtual-Cards-for-Global-Payments-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<h2><strong>Pr\u00f3ximos Passos da Investiga\u00e7\u00e3o<\/strong><\/h2>\n<div><\/div>\n<div>A apura\u00e7\u00e3o encontra-se atualmente na fase de coleta de provas:<\/div>\n<div><\/div>\n<ul>\n<li><strong>Solicita\u00e7\u00f5es de Informa\u00e7\u00e3o (RFI)<\/strong>: PayPal e as redes de cart\u00f5es j\u00e1 receberam notifica\u00e7\u00f5es formais para entrega de dados contratuais.<\/li>\n<li><strong>Declara\u00e7\u00e3o de Obje\u00e7\u00f5es<\/strong>: Caso a FCA constate viola\u00e7\u00e3o, emitir\u00e1 uma declara\u00e7\u00e3o formal.<\/li>\n<li><a href=\"https:\/\/buvei.com\/blog\/best-virtual-cards-for-telegram-premium-2026-success-guide\/\"><strong>Medidas Corretivas Potenciais<\/strong>:<\/a> A FCA pode determinar altera\u00e7\u00f5es em cl\u00e1usulas contratuais, limites menores de taxas ou aplica\u00e7\u00e3o de multas significativas.<\/li>\n<\/ul>\n<div><\/div>\n<h2>Impacto para Traders<\/h2>\n<div><\/div>\n<div>N\u00e3o h\u00e1 altera\u00e7\u00e3o imediata nos m\u00e9todos de dep\u00f3sito e saque. Contudo, uma decis\u00e3o contr\u00e1ria a essas empresas poder\u00e1 gerar maior diversidade de op\u00e7\u00f5es de financiamento e redu\u00e7\u00e3o de <strong>taxas ocultas<\/strong> no processo de dep\u00f3sito.<\/div>\n<div><\/div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"Investiga\u00e7\u00e3o Antitruste FCA: PayPal, Visa e Mastercard no Reino Unido A Autoridade de Conduta Financeira do Reino Unido&hellip;","protected":false},"author":6,"featured_media":37317,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[27],"tags":[1761,3924,7981,152,116],"class_list":{"0":"post-37336","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-pt","8":"tag-cross-border-payments-pt","9":"tag-online-payments-pt","10":"tag-secure-online-payments-pt","11":"tag-virtual-card","12":"tag-virtual-credit-card-pt","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/37336","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=37336"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/37336\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/37317"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=37336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=37336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=37336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}