{"id":5358,"date":"2025-07-01T08:17:13","date_gmt":"2025-07-01T08:17:13","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=5358"},"modified":"2025-07-01T08:17:13","modified_gmt":"2025-07-01T08:17:13","slug":"june-2025-payment-trends-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/june-2025-payment-trends-3\/","title":{"rendered":"Pagamentos: 5 tend\u00eancias globais em junho de 2025"},"content":{"rendered":"<p data-start=\"200\" data-end=\"641\">De redes A2A (conta a conta) em tempo real na Europa \u00e0 expans\u00e3o de licen\u00e7as regulat\u00f3rias no Oriente M\u00e9dio e Sudeste Asi\u00e1tico, <strong data-start=\"326\" data-end=\"422\">junho de 2025 marcou um m\u00eas crucial para a evolu\u00e7\u00e3o da infraestrutura de pagamentos no mundo<\/strong>.<br data-start=\"423\" data-end=\"426\" \/>Na <strong data-start=\"429\" data-end=\"438\">Buvei<\/strong>, selecionamos cinco dos desenvolvimentos mais impactantes para ajudar voc\u00ea a entender as tend\u00eancias profundas que est\u00e3o moldando o setor \u2014 incluindo tecnologia, conformidade regulat\u00f3ria e escala global.<\/p>\n<p data-start=\"200\" data-end=\"641\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5359 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry1-2.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p data-start=\"643\" data-end=\"700\"><strong>1. Revolut integra Wero por meio da parceria com a EPI<\/strong><\/p>\n<p data-start=\"702\" data-end=\"941\">A fintech <strong data-start=\"712\" data-end=\"723\">Revolut<\/strong> firmou uma parceria com a <strong data-start=\"750\" data-end=\"788\">European Payments Initiative (EPI)<\/strong> para integrar o <strong data-start=\"805\" data-end=\"813\">Wero<\/strong>, um servi\u00e7o de carteira digital e transfer\u00eancias <a href=\"https:\/\/buvei.com\/blog\/a2a-payments-europe-2025\/\">A2A<\/a> em tempo real, ao seu app para usu\u00e1rios na <strong data-start=\"910\" data-end=\"940\">Fran\u00e7a, Alemanha e B\u00e9lgica<\/strong>.<\/p>\n<p data-start=\"943\" data-end=\"1248\">Desde seu lan\u00e7amento em 2024, o Wero j\u00e1 acumula mais de <strong data-start=\"999\" data-end=\"1025\">40 milh\u00f5es de usu\u00e1rios<\/strong>. A plataforma dever\u00e1 habilitar pagamentos para e-commerce no <strong data-start=\"1087\" data-end=\"1116\">segundo trimestre de 2025<\/strong>, com recursos adicionais como <strong data-start=\"1147\" data-end=\"1172\">gest\u00e3o de assinaturas<\/strong>, <strong data-start=\"1174\" data-end=\"1200\">pagamentos presenciais<\/strong> e <strong data-start=\"1203\" data-end=\"1230\">programas de fidelidade<\/strong> a partir de 2026.<\/p>\n<p data-start=\"1250\" data-end=\"1373\">Essa movimenta\u00e7\u00e3o fortalece ainda mais o A2A como <strong data-start=\"1300\" data-end=\"1353\">alternativa real \u00e0s redes tradicionais de cart\u00f5es<\/strong> no mercado europeu.<\/p>\n<p data-start=\"1375\" data-end=\"1469\"><strong>2. Lunar firma parcerias com Pismo e Wise para ampliar sua capacidade de pagamentos globais<\/strong><\/p>\n<p data-start=\"1471\" data-end=\"1605\">O banco digital n\u00f3rdico <strong data-start=\"1495\" data-end=\"1504\">Lunar<\/strong> anunciou novas parcerias estrat\u00e9gicas para expandir sua infraestrutura de pagamentos internacionais:<\/p>\n<ul data-start=\"1607\" data-end=\"1766\">\n<li data-start=\"1607\" data-end=\"1694\">\n<p data-start=\"1609\" data-end=\"1694\"><strong data-start=\"1609\" data-end=\"1618\">Pismo<\/strong>, plataforma cloud-native de core banc\u00e1rio e processamento de cart\u00f5es Visa<\/p>\n<\/li>\n<li data-start=\"1695\" data-end=\"1766\">\n<p data-start=\"1697\" data-end=\"1766\"><strong data-start=\"1697\" data-end=\"1714\">Wise Platform<\/strong>, para transfer\u00eancias e pagamentos transfronteiri\u00e7os<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1768\" data-end=\"2198\">O Lunar se torna o <strong data-start=\"1787\" data-end=\"1813\">primeiro banco n\u00f3rdico<\/strong> a adotar a infraestrutura modular da Pismo, adquirida pela <strong data-start=\"1873\" data-end=\"1906\">Visa em 2024 por US$ 1 bilh\u00e3o<\/strong>. Com isso, a institui\u00e7\u00e3o passa a ter acesso \u00e0s solu\u00e7\u00f5es de <strong data-start=\"1966\" data-end=\"1985\">gest\u00e3o de risco<\/strong>, <strong data-start=\"1987\" data-end=\"2009\">analytics avan\u00e7ado<\/strong> e <strong data-start=\"2012\" data-end=\"2053\">ferramentas de aceita\u00e7\u00e3o de pagamento<\/strong> da Visa \u2014 refletindo uma tend\u00eancia crescente de bancos que consolidam core banc\u00e1rio e processamento de cart\u00f5es em ambientes totalmente digitais.<\/p>\n<p data-start=\"1768\" data-end=\"2198\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p data-start=\"2200\" data-end=\"2281\"><strong>3. dLocal obt\u00e9m licen\u00e7as regulat\u00f3rias nos Emirados \u00c1rabes, Turquia e Filipinas<\/strong><\/p>\n<p data-start=\"2283\" data-end=\"2408\">A provedora de pagamentos transfronteiri\u00e7os <strong data-start=\"2327\" data-end=\"2337\">dLocal<\/strong> ampliou sua presen\u00e7a regulat\u00f3ria com novas licen\u00e7as em mercados-chave:<\/p>\n<ul data-start=\"2410\" data-end=\"2654\">\n<li data-start=\"2410\" data-end=\"2497\">\n<p data-start=\"2412\" data-end=\"2497\"><strong data-start=\"2412\" data-end=\"2438\">Emirados \u00c1rabes Unidos<\/strong>, como <strong data-start=\"2445\" data-end=\"2495\">prestadora de servi\u00e7os de pagamento autorizada<\/strong><\/p>\n<\/li>\n<li data-start=\"2498\" data-end=\"2597\">\n<p data-start=\"2500\" data-end=\"2597\"><strong data-start=\"2500\" data-end=\"2513\">Filipinas<\/strong>, com licen\u00e7a de <strong data-start=\"2530\" data-end=\"2570\">empresa de servi\u00e7os monet\u00e1rios (MSB)<\/strong> para remessas dom\u00e9sticas<\/p>\n<\/li>\n<li data-start=\"2598\" data-end=\"2654\">\n<p data-start=\"2600\" data-end=\"2654\"><strong data-start=\"2600\" data-end=\"2611\">Turquia<\/strong>, em parceria com a fintech local <strong data-start=\"2645\" data-end=\"2654\">Lidio<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2656\" data-end=\"2867\">Essas licen\u00e7as permitir\u00e3o que a dLocal <strong data-start=\"2695\" data-end=\"2754\">otimize cobran\u00e7as locais, liquida\u00e7\u00f5es e fluxos de sa\u00edda<\/strong> em regi\u00f5es emergentes \u2014 mostrando como a <strong data-start=\"2796\" data-end=\"2866\">conformidade regional se tornou essencial para escalar globalmente<\/strong>.<\/p>\n<p data-start=\"2869\" data-end=\"2966\"><strong>4. Correios do Reino Unido e Western Union ampliam parceria para transfer\u00eancias internacionais<\/strong><\/p>\n<p data-start=\"2968\" data-end=\"3208\">Os <strong data-start=\"2971\" data-end=\"2998\">Correios do Reino Unido<\/strong> assinaram um acordo exclusivo de longo prazo com a <strong data-start=\"3050\" data-end=\"3067\">Western Union<\/strong>, expandindo os servi\u00e7os de transfer\u00eancia internacional de dinheiro para as mais de <strong data-start=\"3151\" data-end=\"3170\">11.500 ag\u00eancias<\/strong> da rede (antes dispon\u00edveis em 4.000).<\/p>\n<p data-start=\"3210\" data-end=\"3520\">Essa amplia\u00e7\u00e3o permitir\u00e1 maior acesso a servi\u00e7os de remessa <strong data-start=\"3270\" data-end=\"3289\">cash-to-digital<\/strong>, com envio de valores para mais de <strong data-start=\"3325\" data-end=\"3353\">200 pa\u00edses e territ\u00f3rios<\/strong>. A parceria refor\u00e7a a infraestrutura necess\u00e1ria para atender <strong data-start=\"3415\" data-end=\"3479\">popula\u00e7\u00f5es sub-bancarizadas e dependentes de dinheiro f\u00edsico<\/strong>, mesmo em mercados considerados maduros.<\/p>\n<p data-start=\"3522\" data-end=\"3594\"><strong>5. CEO da Tyro Payments deixa o cargo em meio a mudan\u00e7as na lideran\u00e7a<\/strong><\/p>\n<p data-start=\"3596\" data-end=\"3768\">A fintech australiana <strong data-start=\"3618\" data-end=\"3635\">Tyro Payments<\/strong> anunciou que seu CEO, <strong data-start=\"3658\" data-end=\"3671\">Jon Davey<\/strong>, deixar\u00e1 o cargo nos pr\u00f3ximos seis meses ap\u00f3s aceitar uma nova posi\u00e7\u00e3o fora do setor financeiro.<\/p>\n<p data-start=\"3770\" data-end=\"4063\">Davey liderou a integra\u00e7\u00e3o da <strong data-start=\"3800\" data-end=\"3812\">Medipass<\/strong> (que mais tarde se tornou <strong data-start=\"3839\" data-end=\"3854\">Tyro Health<\/strong>) e assumiu o cargo de CEO em 2022. Sua sa\u00edda sinaliza <strong data-start=\"3909\" data-end=\"3951\">uma nova fase de transi\u00e7\u00e3o estrat\u00e9gica<\/strong>, na qual empresas de tecnologia financeira buscam consolidar opera\u00e7\u00f5es, focando <strong data-start=\"4032\" data-end=\"4062\">rentabilidade e efici\u00eancia<\/strong>.<\/p>\n<h3 data-start=\"4065\" data-end=\"4131\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5360 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/June-2025-Payment-Trends-5-Big-Moves-Reshaping-the-Industry2-2.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"4065\" data-end=\"4131\">\ud83d\udcc8 O que esses movimentos revelam sobre o futuro dos pagamentos<\/h3>\n<p data-start=\"4133\" data-end=\"4261\">Analisando esses cinco destaques, \u00e9 poss\u00edvel identificar tr\u00eas grandes tend\u00eancias que moldam o ecossistema de pagamentos em 2025:<\/p>\n<ol data-start=\"4263\" data-end=\"4686\">\n<li data-start=\"4263\" data-end=\"4412\">\n<p data-start=\"4266\" data-end=\"4412\"><strong data-start=\"4266\" data-end=\"4300\">Redes A2A e carteiras digitais<\/strong> est\u00e3o se consolidando como alternativas vi\u00e1veis aos esquemas tradicionais de cart\u00f5es, especialmente na Europa<\/p>\n<\/li>\n<li data-start=\"4413\" data-end=\"4552\">\n<p data-start=\"4416\" data-end=\"4552\"><strong data-start=\"4416\" data-end=\"4477\">Infraestruturas de pagamento modulares e nativas em nuvem<\/strong> est\u00e3o se tornando a base da escalabilidade em bancos digitais e fintechs<\/p>\n<\/li>\n<li data-start=\"4553\" data-end=\"4686\">\n<p data-start=\"4556\" data-end=\"4686\"><strong data-start=\"4556\" data-end=\"4603\">Licenciamento regional e conformidade local<\/strong> passaram a ser exig\u00eancias fundamentais para qualquer estrat\u00e9gia de expans\u00e3o global<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"4688\" data-end=\"4770\">Como a Buvei est\u00e1 construindo a pr\u00f3xima gera\u00e7\u00e3o de infraestrutura de pagamentos<\/h3>\n<p data-start=\"4772\" data-end=\"5011\">Seja com o modelo em tempo real do Wero, a arquitetura API-first do Lunar ou a expans\u00e3o baseada em licen\u00e7as da dLocal, o recado est\u00e1 claro:<br data-start=\"4911\" data-end=\"4914\" \/>pagamentos deixaram de ser apenas um canal <strong data-start=\"4917\" data-end=\"5010\">\u2014 s\u00e3o agora um pilar estrat\u00e9gico de plataforma<\/strong>.<\/p>\n<p data-start=\"5013\" data-end=\"5348\">Na <strong data-start=\"5016\" data-end=\"5025\">Buvei<\/strong>, acreditamos que pagamentos devem ser <strong data-start=\"5064\" data-end=\"5080\">program\u00e1veis<\/strong>, <strong data-start=\"5082\" data-end=\"5111\">controlados por or\u00e7amento<\/strong> e <strong data-start=\"5114\" data-end=\"5159\">projetados para atender \u00e0s normas globais<\/strong>. Em setores como e-commerce, SaaS, publicidade digital e Web3, empresas n\u00e3o precisam apenas de um meio de pagamento \u2014 <strong data-start=\"5278\" data-end=\"5347\">elas precisam de uma infraestrutura audit\u00e1vel, modular e flex\u00edvel<\/strong>.<\/p>\n<p data-start=\"5355\" data-end=\"5481\">\ud83d\udcb3 Pronto para construir seu pr\u00f3prio sistema de pagamentos global ou integrar cart\u00f5es virtuais seguros \u00e0 sua plataforma?<\/p>\n<p data-start=\"5482\" data-end=\"5571\">\ud83d\udc49 <a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"5485\" data-end=\"5571\">Conhe\u00e7a a Buvei e comece a emitir cart\u00f5es virtuais hoje mesmo<\/a><\/p>\n<p data-start=\"5482\" data-end=\"5571\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"De redes A2A (conta a conta) em tempo real na Europa \u00e0 expans\u00e3o de licen\u00e7as regulat\u00f3rias no Oriente&hellip;","protected":false},"author":2,"featured_media":5350,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[336,534],"tags":[2617,2619,1710,2621,340],"class_list":{"0":"post-5358","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news-pt","8":"category-trends-pt","9":"tag-a2a-payments-pt","10":"tag-cross-border-pt","11":"tag-digital-wallets-pt","12":"tag-fintech-news-pt","13":"tag-payments-pt","14":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5358","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=5358"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5358\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/5350"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=5358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=5358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=5358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}