{"id":5931,"date":"2025-07-07T06:21:32","date_gmt":"2025-07-07T06:21:32","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=5931"},"modified":"2025-07-07T06:21:32","modified_gmt":"2025-07-07T06:21:32","slug":"mcc-code-virtual-card-fraud-control-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/mcc-code-virtual-card-fraud-control-3\/","title":{"rendered":"O que \u00e9 MCC e por que ele importa no controle de riscos com cart\u00f5es virtuais"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-Y0htdou3FoAHNIxNCT1lc0w5gcc\">\n<p data-start=\"457\" data-end=\"644\">Voc\u00ea j\u00e1 teve pagamentos recusados ou cart\u00f5es congelados ao usar cart\u00f5es virtuais para an\u00fancios, e-commerce ou assinaturas?<br data-start=\"617\" data-end=\"620\" \/>Na maioria dos casos, o motivo est\u00e1 em um fator pouco conhecido: o c\u00f3digo MCC (Merchant Category Code).<\/p>\n<\/div>\n<div><a href=\"https:\/\/www.buvei.com\/\"><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\" \/><\/a><\/div>\n<h3 data-start=\"725\" data-end=\"751\">O que \u00e9 um c\u00f3digo MCC?<\/h3>\n<p data-start=\"753\" data-end=\"942\">MCC significa <strong data-start=\"767\" data-end=\"793\">Merchant Category Code<\/strong>, um n\u00famero de quatro d\u00edgitos definido por bandeiras como Visa e Mastercard para classificar o setor do comerciante que est\u00e1 recebendo o pagamento.<\/p>\n<p data-start=\"944\" data-end=\"977\">Exemplos comuns de MCC incluem:<\/p>\n<ul data-start=\"978\" data-end=\"1118\">\n<li data-start=\"978\" data-end=\"1039\">\n<p data-start=\"980\" data-end=\"1039\">7311 \u2013 Servi\u00e7os de Publicidade (Google Ads, Facebook Ads)<\/p>\n<\/li>\n<li data-start=\"1040\" data-end=\"1082\">\n<p data-start=\"1042\" data-end=\"1082\">5815 \u2013 Assinaturas de Conte\u00fado Digital<\/p>\n<\/li>\n<li data-start=\"1083\" data-end=\"1118\">\n<p data-start=\"1085\" data-end=\"1118\">5999 \u2013 Lojas de Varejo Diversas<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1120\" data-end=\"1233\">Cada transa\u00e7\u00e3o carrega um MCC, atuando como uma \u201cetiqueta\u201d que informa ao emissor do cart\u00e3o a natureza da compra.<\/p>\n<div>\u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5907 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1024x768.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1024x768.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-300x225.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-768x576.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-400x300.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-800x600.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-832x624.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2-1248x936.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control2.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div>\n<h3 data-start=\"1235\" data-end=\"1302\">Por que os c\u00f3digos MCC s\u00e3o cruciais no uso de cart\u00f5es virtuais?<\/h3>\n<p data-start=\"1304\" data-end=\"1828\">Embora pouco relevantes para cart\u00f5es pessoais, os c\u00f3digos MCC s\u00e3o fundamentais no controle de riscos com cart\u00f5es corporativos virtuais.<br data-start=\"1439\" data-end=\"1442\" \/>Na plataforma da <strong data-start=\"1459\" data-end=\"1490\"><a class=\"\" href=\"https:\/\/buvei.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"1461\" data-end=\"1488\">Buvei<\/a><\/strong>, por exemplo, \u00e9 poss\u00edvel configurar restri\u00e7\u00f5es por MCC para:<br data-start=\"1551\" data-end=\"1554\" \/>\u2705 Permitir gastos apenas em plataformas aprovadas, como redes de an\u00fancios<br data-start=\"1627\" data-end=\"1630\" \/>\u2705 Bloquear cobran\u00e7as n\u00e3o autorizadas de e-commerces ou armadilhas de assinatura<br data-start=\"1709\" data-end=\"1712\" \/>\u2705 Prevenir o uso indevido por colaboradores<br data-start=\"1755\" data-end=\"1758\" \/>\u2705 Melhorar o perfil de risco da empresa e evitar bloqueios de cart\u00e3o<\/p>\n<p data-start=\"1830\" data-end=\"1919\">Pense nisso como um \u201cvisto corporativo\u201d: o cart\u00e3o virtual s\u00f3 funciona onde for permitido.<\/p>\n<h3 data-start=\"1921\" data-end=\"1969\">Por que a Buvei oferece melhor gest\u00e3o de MCC<\/h3>\n<p data-start=\"1971\" data-end=\"2360\">Na Buvei, voc\u00ea pode definir regras granulares por MCC em cada cart\u00e3o, o que garante seguran\u00e7a e flexibilidade operacional:<br data-start=\"2093\" data-end=\"2096\" \/>\ud83d\udd12 Restringir o uso a comerciantes como <a href=\"https:\/\/buvei.com\/blog\/google-ads-virtual-card-risk-control\/\">Google Ads<\/a> ou <a href=\"https:\/\/buvei.com\/blog\/add-payment-card-facebook-ads-2025\/\">Meta<\/a><br data-start=\"2154\" data-end=\"2157\" \/>\ud83d\udecd Permitir categorias espec\u00edficas como <a href=\"https:\/\/buvei.com\/blog\/virtual-cards-for-subscription-management\/\">SaaS<\/a>, m\u00eddia ou VPN<br data-start=\"2215\" data-end=\"2218\" \/>\u274c Bloquear setores que n\u00e3o se encaixam na pol\u00edtica da empresa<br data-start=\"2279\" data-end=\"2282\" \/>\ud83d\udcca Monitorar em tempo real os gastos por categoria com relat\u00f3rios detalhados<\/p>\n<p data-start=\"2362\" data-end=\"2474\">Esse n\u00edvel de controle \u00e9 ideal para times de marketing, procurement e SaaS com alto volume de transa\u00e7\u00f5es online.<\/p>\n<h3 data-start=\"926\" data-end=\"997\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5906 size-large\" style=\"font-size: 16px;\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1024x768.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1024x768.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-300x225.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-768x576.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-400x300.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-800x600.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-832x624.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1-1248x936.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-MCCWhy-It-Matters-for-Virtual-Card-Risk-Control1.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"2209\" data-end=\"2239\">Questions fr\u00e9quentes (FAQ)<\/h3>\n<p data-start=\"2241\" data-end=\"2469\"><strong data-start=\"2241\" data-end=\"2290\">Q1 : Comment conna\u00eetre le MCC d\u2019un marchand ?<\/strong><br data-start=\"2290\" data-end=\"2293\" \/>En g\u00e9n\u00e9ral, les utilisateurs n\u2019y ont pas acc\u00e8s directement. Buvei vous permet de voir les MCC dans l\u2019historique ou les exports de transactions pour mieux analyser vos d\u00e9penses.<\/p>\n<p data-start=\"2471\" data-end=\"2703\"><strong data-start=\"2471\" data-end=\"2538\">Q2 : Que se passe-t-il si un commer\u00e7ant a un MCC non autoris\u00e9 ?<\/strong><br data-start=\"2538\" data-end=\"2541\" \/>La transaction est automatiquement refus\u00e9e. C\u2019est une protection efficace, mais mieux vaut tester ou confirmer le MCC aupr\u00e8s du commer\u00e7ant si l\u2019achat est crucial.<\/p>\n<p data-start=\"2705\" data-end=\"2753\"><strong data-start=\"2705\" data-end=\"2753\">Q3 : Quels MCC pour les plateformes de pub ?<\/strong><\/p>\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)\" style=\"height: 162px;\" width=\"432\" data-start=\"2755\" data-end=\"3084\">\n<thead data-start=\"2755\" data-end=\"2809\">\n<tr data-start=\"2755\" data-end=\"2809\">\n<th data-start=\"2755\" data-end=\"2774\" data-col-size=\"sm\">Plateforme<\/th>\n<th data-start=\"2774\" data-end=\"2809\" data-col-size=\"sm\">MCC typique<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2865\" data-end=\"3084\">\n<tr data-start=\"2865\" data-end=\"2919\">\n<td data-start=\"2865\" data-end=\"2884\" data-col-size=\"sm\">Google Ads<\/td>\n<td data-start=\"2884\" data-end=\"2919\" data-col-size=\"sm\">7311 \u2013 Services de publicit\u00e9<\/td>\n<\/tr>\n<tr data-start=\"2920\" data-end=\"2974\">\n<td data-start=\"2920\" data-end=\"2939\" data-col-size=\"sm\">Facebook Ads<\/td>\n<td data-start=\"2939\" data-end=\"2974\" data-col-size=\"sm\">7311 \u2013 Services de publicit\u00e9<\/td>\n<\/tr>\n<tr data-start=\"2975\" data-end=\"3029\">\n<td data-start=\"2975\" data-end=\"2994\" data-col-size=\"sm\">TikTok Ads<\/td>\n<td data-start=\"2994\" data-end=\"3029\" data-col-size=\"sm\">7311 ou 7399 (selon r\u00e9gion)<\/td>\n<\/tr>\n<tr data-start=\"3030\" data-end=\"3084\">\n<td data-start=\"3030\" data-end=\"3049\" data-col-size=\"sm\">Microsoft Ads<\/td>\n<td data-start=\"3049\" data-end=\"3084\" data-col-size=\"sm\">7311<\/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<p data-start=\"3086\" data-end=\"3334\"><strong data-start=\"3086\" data-end=\"3169\">Q4 : Tous les fournisseurs de cartes virtuelles proposent-ils le filtrage MCC ?<\/strong><br data-start=\"3169\" data-end=\"3172\" \/>Non. La plupart des cartes virtuelles bancaires traditionnelles ne le permettent pas. Buvei propose un contr\u00f4le de niveau entreprise, adapt\u00e9 aux usages complexes.<\/p>\n<h3 data-start=\"3341\" data-end=\"3408\">MCC : le levier discret d\u2019un contr\u00f4le des paiements intelligent<\/h3>\n<p data-start=\"3410\" data-end=\"3578\">Si vous g\u00e9rez plusieurs comptes publicitaires, plateformes e-commerce ou budgets par d\u00e9partement, <strong data-start=\"3508\" data-end=\"3551\">les filtres MCC sont votre alli\u00e9 secret<\/strong>. Avec Buvei, vous pouvez\u202f:<\/p>\n<ul data-start=\"3580\" data-end=\"3792\">\n<li data-start=\"3580\" data-end=\"3618\">\n<p data-start=\"3582\" data-end=\"3618\">\u00c9viter les paiements non autoris\u00e9s<\/p>\n<\/li>\n<li data-start=\"3619\" data-end=\"3663\">\n<p data-start=\"3621\" data-end=\"3663\">R\u00e9duire les litiges et r\u00e9trofacturations<\/p>\n<\/li>\n<li data-start=\"3664\" data-end=\"3731\">\n<p data-start=\"3666\" data-end=\"3731\">Limiter les signaux de risque sur les plateformes publicitaires<\/p>\n<\/li>\n<li data-start=\"3732\" data-end=\"3792\">\n<p data-start=\"3734\" data-end=\"3792\">Renforcer la tra\u00e7abilit\u00e9 et la responsabilit\u00e9 financi\u00e8re<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3794\" data-end=\"3928\">\ud83d\udca1 <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"3797\" data-end=\"3842\">Inscrivez-vous sur Buvei<\/a> pour d\u00e9couvrir comment les codes MCC peuvent transformer votre gestion des paiements.<\/p>\n<div><a href=\"https:\/\/www.buvei.com\/\"><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\" \/><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"Voc\u00ea j\u00e1 teve pagamentos recusados ou cart\u00f5es congelados ao usar cart\u00f5es virtuais para an\u00fancios, e-commerce ou assinaturas?Na maioria&hellip;","protected":false},"author":2,"featured_media":5905,"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":[126,3086,3088,340,152],"class_list":{"0":"post-5931","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-pt","8":"tag-buvei-pt","9":"tag-control-pt","10":"tag-mcc-pt","11":"tag-payments-pt","12":"tag-virtual-card","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5931","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=5931"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5931\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/5905"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=5931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=5931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=5931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}