{"id":6701,"date":"2025-07-15T08:43:49","date_gmt":"2025-07-15T08:43:49","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=6701"},"modified":"2025-07-15T08:48:02","modified_gmt":"2025-07-15T08:48:02","slug":"psd2-secure-payments-buvei-virtual-cards-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/psd2-secure-payments-buvei-virtual-cards-3\/","title":{"rendered":"PSD2: Pagamentos seguros e o papel dos cart\u00f5es virtuais"},"content":{"rendered":"<div data-page-id=\"QEG7dU65mov7JaxCT6slq9D7gUd\" data-lark-html-role=\"root\" data-docx-has-block-data=\"false\">\n<h4 data-start=\"224\" data-end=\"244\">O que \u00e9 o PSD2?<\/h4>\n<p data-start=\"246\" data-end=\"470\">A Segunda Diretiva de Servi\u00e7os de Pagamento (PSD2) \u00e9 uma regulamenta\u00e7\u00e3o da Uni\u00e3o Europeia que entrou em vigor em 2018 com o objetivo de transformar o ecossistema de pagamentos europeu. Entre seus principais objetivos, est\u00e3o:<\/p>\n<ul data-start=\"472\" data-end=\"864\">\n<li data-start=\"472\" data-end=\"589\">\n<p data-start=\"474\" data-end=\"589\">Promover o open banking, exigindo que os bancos abram o acesso a dados de contas a terceiros autorizados via APIs<\/p>\n<\/li>\n<li data-start=\"590\" data-end=\"671\">\n<p data-start=\"592\" data-end=\"671\">Refor\u00e7ar a seguran\u00e7a dos pagamentos com a Autentica\u00e7\u00e3o Forte de Cliente (SCA)<\/p>\n<\/li>\n<li data-start=\"672\" data-end=\"767\">\n<p data-start=\"674\" data-end=\"767\">Estimular a inova\u00e7\u00e3o e a concorr\u00eancia entre fintechs e prestadores de servi\u00e7os de pagamento<\/p>\n<\/li>\n<li data-start=\"768\" data-end=\"864\">\n<p data-start=\"770\" data-end=\"864\">Proteger o consumidor por meio da limita\u00e7\u00e3o de sobretaxas e maior transpar\u00eancia nas transa\u00e7\u00f5es<\/p>\n<\/li>\n<\/ul>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6653 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage1.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<ol class=\"list-number1\" start=\"2\">\n<li class=\"ace-line ace-line old-record-id-SHc3dn0Qnoo4LGxdjcAl22uAglc\" data-list=\"number\">\n<h4 data-start=\"866\" data-end=\"897\">Principais pilares do PSD2<\/h4>\n<p data-start=\"899\" data-end=\"1046\"><strong data-start=\"899\" data-end=\"932\">Open Banking e Acesso via API<\/strong><br data-start=\"932\" data-end=\"935\" \/>Com o PSD2, os bancos s\u00e3o obrigados a compartilhar sua infraestrutura com Provedores de Terceiros (TPPs), como:<\/p>\n<ul data-start=\"1048\" data-end=\"1267\">\n<li data-start=\"1048\" data-end=\"1160\">\n<p data-start=\"1050\" data-end=\"1160\"><strong data-start=\"1050\" data-end=\"1097\">AISP (Account Information Service Provider)<\/strong>: acessam dados banc\u00e1rios dos clientes mediante consentimento<\/p>\n<\/li>\n<li data-start=\"1161\" data-end=\"1267\">\n<p data-start=\"1163\" data-end=\"1267\"><strong data-start=\"1163\" data-end=\"1209\">PISP (Payment Initiation Service Provider)<\/strong>: iniciam pagamentos diretamente das contas dos clientes<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1269\" data-end=\"1456\">Esse modelo impulsiona a cria\u00e7\u00e3o de novas solu\u00e7\u00f5es financeiras, com vis\u00e3o unificada de contas, automa\u00e7\u00e3o de pagamentos e controle financeiro avan\u00e7ado \u2014 tudo com seguran\u00e7a e transpar\u00eancia.<\/p>\n<\/li>\n<li class=\"ace-line ace-line old-record-id-SHc3dn0Qnoo4LGxdjcAl22uAglc\" data-list=\"number\">\n<p data-start=\"1458\" data-end=\"1657\"><strong data-start=\"1458\" data-end=\"1497\">Autentica\u00e7\u00e3o Forte de Cliente (SCA)<\/strong><br data-start=\"1497\" data-end=\"1500\" \/>Para combater fraudes, o PSD2 exige que a maioria dos pagamentos eletr\u00f4nicos passem por autentica\u00e7\u00e3o forte, combinando ao menos dois dos tr\u00eas fatores abaixo:<\/p>\n<ul data-start=\"1659\" data-end=\"1851\">\n<li data-start=\"1659\" data-end=\"1703\">\n<p data-start=\"1661\" data-end=\"1703\">Algo que o cliente <strong data-start=\"1680\" data-end=\"1688\">sabe<\/strong> (senha, <a href=\"https:\/\/buvei.com\/blog\/credit-card-pin-security-guide\/\">PIN<\/a>)<\/p>\n<\/li>\n<li data-start=\"1704\" data-end=\"1761\">\n<p data-start=\"1706\" data-end=\"1761\">Algo que o cliente <strong data-start=\"1725\" data-end=\"1735\">possui<\/strong> (celular, token f\u00edsico)<\/p>\n<\/li>\n<li data-start=\"1762\" data-end=\"1851\">\n<p data-start=\"1764\" data-end=\"1851\">Algo que o cliente <strong data-start=\"1783\" data-end=\"1788\">\u00e9<\/strong> (biometria, como impress\u00e3o digital ou reconhecimento facial)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1853\" data-end=\"1949\">Isso garante a seguran\u00e7a em transa\u00e7\u00f5es online, login em contas e adi\u00e7\u00e3o de m\u00e9todos de pagamento.<\/p>\n<h4 data-start=\"912\" data-end=\"948\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6652 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage3.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h4>\n<\/li>\n<\/ol>\n<\/div>\n<div data-page-id=\"QEG7dU65mov7JaxCT6slq9D7gUd\" data-lark-html-role=\"root\" data-docx-has-block-data=\"false\">\n<p data-start=\"1951\" data-end=\"2170\"><strong data-start=\"1951\" data-end=\"1992\">Proibi\u00e7\u00e3o de sobretaxas (surcharging)<\/strong><br data-start=\"1992\" data-end=\"1995\" \/>Comerciantes est\u00e3o proibidos de cobrar taxas adicionais para pagamentos com cart\u00f5es de cr\u00e9dito ou d\u00e9bito abrangidos pelo PSD2, promovendo mais transpar\u00eancia para o consumidor.<\/p>\n<h4 data-start=\"2172\" data-end=\"2236\">Por que o PSD2 \u00e9 relevante para cart\u00f5es virtuais e a Buvei?<\/h4>\n<p data-start=\"2238\" data-end=\"2372\">A regulamenta\u00e7\u00e3o redefine os padr\u00f5es de seguran\u00e7a e transpar\u00eancia, criando oportunidades para solu\u00e7\u00f5es mais inteligentes de pagamento:<\/p>\n<ul data-start=\"2374\" data-end=\"2826\">\n<li data-start=\"2374\" data-end=\"2499\">\n<p data-start=\"2376\" data-end=\"2499\"><strong data-start=\"2376\" data-end=\"2404\">Conformidade e seguran\u00e7a<\/strong>: a Buvei oferece autentica\u00e7\u00e3o din\u00e2mica e controle via API alinhados com os requisitos de SCA<\/p>\n<\/li>\n<li data-start=\"2500\" data-end=\"2672\">\n<p data-start=\"2502\" data-end=\"2672\"><strong data-start=\"2502\" data-end=\"2529\">Pagamentos program\u00e1veis<\/strong>: os cart\u00f5es virtuais Buvei podem ser emitidos com regras de autoriza\u00e7\u00e3o personalizadas baseadas em perfil de risco e exig\u00eancias regulat\u00f3rias<\/p>\n<\/li>\n<li data-start=\"2673\" data-end=\"2826\">\n<p data-start=\"2675\" data-end=\"2826\"><strong data-start=\"2675\" data-end=\"2695\">Redu\u00e7\u00e3o de risco<\/strong>: cart\u00f5es com bloqueio de comerciantes, limites de gasto e revoga\u00e7\u00e3o instant\u00e2nea ajudam a conter fraudes associadas ao open banking<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2211\" data-end=\"2473\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6655 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Understanding-PSD2-Secure-Payments-Virtual-Card-Advantage2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h4 data-start=\"2828\" data-end=\"2886\">O que vem pela frente: PSD3 e o futuro dos pagamentos<\/h4>\n<p data-start=\"2888\" data-end=\"2973\">O PSD2 n\u00e3o \u00e9 o cap\u00edtulo final. A Comiss\u00e3o Europeia j\u00e1 trabalha no <strong data-start=\"2954\" data-end=\"2962\">PSD3<\/strong>, que visa:<\/p>\n<ul data-start=\"2975\" data-end=\"3148\">\n<li data-start=\"2975\" data-end=\"3029\">\n<p data-start=\"2977\" data-end=\"3029\">Aprimorar ainda mais os mecanismos de autentica\u00e7\u00e3o<\/p>\n<\/li>\n<li data-start=\"3030\" data-end=\"3068\">\n<p data-start=\"3032\" data-end=\"3068\">Refor\u00e7ar os direitos do consumidor<\/p>\n<\/li>\n<li data-start=\"3069\" data-end=\"3148\">\n<p data-start=\"3071\" data-end=\"3148\">Atualizar exig\u00eancias regulat\u00f3rias para novas tecnologias, como criptoativos<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3150\" data-end=\"3266\">A Buvei acompanha essa evolu\u00e7\u00e3o e garante que sua infraestrutura esteja sempre atualizada, segura e em conformidade.<\/p>\n<h4 data-start=\"3268\" data-end=\"3282\">Conclus\u00e3o<\/h4>\n<p data-start=\"3284\" data-end=\"3519\">O PSD2 remodelou o cen\u00e1rio europeu de pagamentos com open banking, autentica\u00e7\u00e3o forte e est\u00edmulo \u00e0 inova\u00e7\u00e3o. Para empresas e desenvolvedores que atuam no setor de pagamentos, compreender e aplicar as exig\u00eancias da diretiva \u00e9 essencial.<\/p>\n<p data-start=\"3521\" data-end=\"3695\">Com a Buvei, \u00e9 poss\u00edvel emitir cart\u00f5es virtuais program\u00e1veis via API, atendendo \u00e0 conformidade regulat\u00f3ria e oferecendo solu\u00e7\u00f5es de pagamento seguras, flex\u00edveis e escal\u00e1veis.<\/p>\n<p data-start=\"3697\" data-end=\"3747\"><a href=\"https:\/\/buvei.com\/\"><strong data-start=\"3697\" data-end=\"3747\">Comece agora com os cart\u00f5es virtuais da Buvei.<\/strong><\/a><\/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<\/div>\n","protected":false},"excerpt":{"rendered":"O que \u00e9 o PSD2? A Segunda Diretiva de Servi\u00e7os de Pagamento (PSD2) \u00e9 uma regulamenta\u00e7\u00e3o da Uni\u00e3o&hellip;","protected":false},"author":2,"featured_media":6654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[430],"tags":[126,340,2407,625],"class_list":{"0":"post-6701","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-affiliate-pt","8":"tag-buvei-pt","9":"tag-payments-pt","10":"tag-secure-pt","11":"tag-virtual-cards-pt","12":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6701","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=6701"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6701\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/6654"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=6701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=6701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=6701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}