{"id":6890,"date":"2025-07-16T08:40:44","date_gmt":"2025-07-16T08:40:44","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=6890"},"modified":"2025-07-16T08:41:32","modified_gmt":"2025-07-16T08:41:32","slug":"sca-strong-customer-authentication-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/sca-strong-customer-authentication-3\/","title":{"rendered":"O que \u00e9 SCA? Entenda a Autentica\u00e7\u00e3o Forte de Cliente"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-OimwdM4O9ol7R7x8ZwSlvlXAgah\">\n<p data-start=\"149\" data-end=\"389\">Na economia digital atual, seguran\u00e7a n\u00e3o \u00e9 mais opcional. Para empresas que operam na Uni\u00e3o Europeia ou com clientes do bloco, a <strong data-start=\"278\" data-end=\"317\">Autentica\u00e7\u00e3o Forte de Cliente (SCA)<\/strong> deixou de ser uma boa pr\u00e1tica \u2014 e passou a ser uma <strong data-start=\"369\" data-end=\"388\">exig\u00eancia legal<\/strong>.<\/p>\n<p data-start=\"391\" data-end=\"658\">Introduzida pela <strong data-start=\"408\" data-end=\"461\">Diretiva Europeia de Servi\u00e7os de Pagamento <a href=\"https:\/\/buvei.com\/blog\/psd2-secure-payments-buvei-virtual-cards\/\">(PSD2<\/a>)<\/strong>, a SCA visa aumentar a seguran\u00e7a das transa\u00e7\u00f5es eletr\u00f4nicas, proteger os consumidores e reduzir fraudes online. Mas o que exatamente isso significa na pr\u00e1tica \u2014 e como sua empresa deve se adaptar?<\/p>\n<h3 data-start=\"660\" data-end=\"676\"><\/h3>\n<\/div>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6878 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained1.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"660\" data-end=\"676\">o que \u00e9 sca?<\/h3>\n<p data-start=\"678\" data-end=\"883\">A <strong data-start=\"680\" data-end=\"720\">SCA (Strong Customer Authentication)<\/strong> \u00e9 uma exig\u00eancia regulat\u00f3ria que determina que os provedores de pagamento verifiquem a identidade do cliente utilizando pelo menos dois dos tr\u00eas seguintes fatores:<\/p>\n<ul data-start=\"885\" data-end=\"1086\">\n<li data-start=\"885\" data-end=\"936\">\n<p data-start=\"887\" data-end=\"936\"><strong data-start=\"887\" data-end=\"914\">Algo que o cliente sabe<\/strong> \u2014 como senha ou <a href=\"https:\/\/buvei.com\/blog\/credit-card-pin-security-guide\/\">PIN<\/a><\/p>\n<\/li>\n<li data-start=\"937\" data-end=\"1007\">\n<p data-start=\"939\" data-end=\"1007\"><strong data-start=\"939\" data-end=\"968\">Algo que o cliente possui<\/strong> \u2014 como celular ou cart\u00e3o inteligente<\/p>\n<\/li>\n<li data-start=\"1008\" data-end=\"1086\">\n<p data-start=\"1010\" data-end=\"1086\"><strong data-start=\"1010\" data-end=\"1034\">Algo que o cliente \u00e9<\/strong> \u2014 como impress\u00e3o digital ou reconhecimento facial<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1088\" data-end=\"1213\">Na pr\u00e1tica, trata-se de uma <strong data-start=\"1116\" data-end=\"1154\">autentica\u00e7\u00e3o de dois fatores (<a href=\"https:\/\/buvei.com\/blog\/2fa-payment-security-guide\/\">2FA<\/a>)<\/strong> aplicada obrigatoriamente a pagamentos digitais na Europa.<\/p>\n<h3 class=\"heading-3 ace-line old-record-id-Vqfcdbx0loS1hRxQOrBlzNWHg8f\"><a style=\"font-size: 16px;\" href=\"https:\/\/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><\/h3>\n<h3 data-start=\"1215\" data-end=\"1242\">quando a sca se aplica?<\/h3>\n<p data-start=\"1244\" data-end=\"1349\">A SCA \u00e9 v\u00e1lida em todo o <strong data-start=\"1269\" data-end=\"1303\">Espa\u00e7o Econ\u00f4mico Europeu (EEE)<\/strong> e se aplica \u00e0 maioria dos seguintes cen\u00e1rios:<\/p>\n<ul data-start=\"1351\" data-end=\"1468\">\n<li data-start=\"1351\" data-end=\"1383\">\n<p data-start=\"1353\" data-end=\"1383\">Pagamentos online com cart\u00e3o<\/p>\n<\/li>\n<li data-start=\"1384\" data-end=\"1412\">\n<p data-start=\"1386\" data-end=\"1412\">Transfer\u00eancias banc\u00e1rias<\/p>\n<\/li>\n<li data-start=\"1413\" data-end=\"1468\">\n<p data-start=\"1415\" data-end=\"1468\">Acesso a contas via aplicativos ou internet banking<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1470\" data-end=\"1508\">Mas h\u00e1 <strong data-start=\"1477\" data-end=\"1501\">exce\u00e7\u00f5es importantes<\/strong>, como:<\/p>\n<ul data-start=\"1510\" data-end=\"1735\">\n<li data-start=\"1510\" data-end=\"1558\">\n<p data-start=\"1512\" data-end=\"1558\">Transa\u00e7\u00f5es de baixo valor (inferiores a \u20ac30)<\/p>\n<\/li>\n<li data-start=\"1559\" data-end=\"1600\">\n<p data-start=\"1561\" data-end=\"1600\">Pagamentos recorrentes com valor fixo<\/p>\n<\/li>\n<li data-start=\"1601\" data-end=\"1645\">\n<p data-start=\"1603\" data-end=\"1645\">Benefici\u00e1rios confi\u00e1veis em lista branca<\/p>\n<\/li>\n<li data-start=\"1646\" data-end=\"1735\">\n<p data-start=\"1648\" data-end=\"1735\">Transa\u00e7\u00f5es consideradas de baixo risco, com base em an\u00e1lise em tempo real do provedor<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1737\" data-end=\"1846\">Compreender essas exce\u00e7\u00f5es \u00e9 fundamental para otimizar a jornada de pagamento sem comprometer a conformidade.<\/p>\n<h3 class=\"heading-3 ace-line old-record-id-LAeNde0UfoEPeTx2CqAlkI3bgrc\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6881 size-large\" style=\"font-size: 16px;\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained3-1.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"1848\" data-end=\"1900\">por que a sca \u00e9 importante para os comerciantes?<\/h3>\n<p data-start=\"1902\" data-end=\"2056\">Mesmo empresas <strong data-start=\"1917\" data-end=\"1931\">fora da UE<\/strong> s\u00e3o impactadas: se voc\u00ea recebe pagamentos de clientes europeus, <strong data-start=\"1996\" data-end=\"2039\">precisa estar em conformidade com a SCA<\/strong>. Caso contr\u00e1rio:<\/p>\n<ul data-start=\"2058\" data-end=\"2209\">\n<li data-start=\"2058\" data-end=\"2116\">\n<p data-start=\"2060\" data-end=\"2116\">Transa\u00e7\u00f5es podem ser recusadas por emissores ou bancos<\/p>\n<\/li>\n<li data-start=\"2117\" data-end=\"2165\">\n<p data-start=\"2119\" data-end=\"2165\">A taxa de abandono no checkout pode aumentar<\/p>\n<\/li>\n<li data-start=\"2166\" data-end=\"2209\">\n<p data-start=\"2168\" data-end=\"2209\">Voc\u00ea pode se expor a estornos e fraudes<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2211\" data-end=\"2372\">Por isso, muitas plataformas j\u00e1 adotaram o <strong data-start=\"2254\" data-end=\"2276\"><a href=\"https:\/\/buvei.com\/blog\/3d-secure-authentication\/\">3D Secure<\/a> 2 (3DS2)<\/strong>, que permite autentica\u00e7\u00e3o biom\u00e9trica ou via app \u2014 tornando a SCA mais fluida e menos intrusiva.<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6879 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/What-Is-SCA-Strong-Customer-Authentication-Explained2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3 data-start=\"2374\" data-end=\"2417\">o papel da buvei no ecossistema p\u00f3s-sca<\/h3>\n<p data-start=\"2419\" data-end=\"2565\">Na <a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"2422\" data-end=\"2456\"><strong data-start=\"2423\" data-end=\"2432\">Buvei<\/strong><\/a>, a conformidade est\u00e1 integrada \u00e0 infraestrutura de cart\u00f5es virtuais desde o in\u00edcio. Nossos recursos incluem:<\/p>\n<ul data-start=\"2567\" data-end=\"2951\">\n<li data-start=\"2567\" data-end=\"2689\">\n<p data-start=\"2569\" data-end=\"2689\"><strong data-start=\"2569\" data-end=\"2609\">Cart\u00f5es virtuais compat\u00edveis com SCA<\/strong>: com conformidade de n\u00edvel emissor, ideais para usu\u00e1rios e comerciantes da UE<\/p>\n<\/li>\n<li data-start=\"2690\" data-end=\"2812\">\n<p data-start=\"2692\" data-end=\"2812\"><strong data-start=\"2692\" data-end=\"2726\">Roteamento inteligente com 3DS<\/strong>: para cart\u00f5es Visa\/Mastercard, utilizamos fluxos otimizados e an\u00e1lise em tempo real<\/p>\n<\/li>\n<li data-start=\"2813\" data-end=\"2951\">\n<p data-start=\"2815\" data-end=\"2951\"><strong data-start=\"2815\" data-end=\"2844\">Transpar\u00eancia cripto-fiat<\/strong>: ao recarregar com USDT (TRC20\/ERC20), fornecemos rastreabilidade total \u2014 ideal para contextos regulados<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2953\" data-end=\"3088\">N\u00f3s n\u00e3o apenas atendemos \u00e0 regula\u00e7\u00e3o \u2014 usamos a conformidade como alavanca para <strong data-start=\"3033\" data-end=\"3087\">aumentar seguran\u00e7a, confian\u00e7a e taxas de aprova\u00e7\u00e3o<\/strong>.<\/p>\n<h3 data-start=\"3090\" data-end=\"3136\">conformidade sem comprometer a experi\u00eancia<\/h3>\n<p data-start=\"3138\" data-end=\"3310\">Com pa\u00edses como Reino Unido, \u00cdndia e Brasil adotando exig\u00eancias semelhantes \u00e0 SCA, <strong data-start=\"3221\" data-end=\"3270\">preparar sua infraestrutura agora \u00e9 essencial<\/strong> para garantir escala e competitividade.<\/p>\n<p data-start=\"3312\" data-end=\"3351\">Com a Buvei, sua empresa ter\u00e1 acesso a:<\/p>\n<ul data-start=\"3353\" data-end=\"3516\">\n<li data-start=\"3353\" data-end=\"3414\">\n<p data-start=\"3355\" data-end=\"3414\"><strong data-start=\"3355\" data-end=\"3412\">Emiss\u00e3o de cart\u00f5es conforme a regulamenta\u00e7\u00e3o europeia<\/strong><\/p>\n<\/li>\n<li data-start=\"3415\" data-end=\"3464\">\n<p data-start=\"3417\" data-end=\"3464\"><strong data-start=\"3417\" data-end=\"3462\">Gest\u00e3o inteligente de canais de pagamento<\/strong><\/p>\n<\/li>\n<li data-start=\"3465\" data-end=\"3516\">\n<p data-start=\"3467\" data-end=\"3516\"><strong data-start=\"3467\" data-end=\"3514\">Transpar\u00eancia total no fluxo de autoriza\u00e7\u00e3o<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3518\" data-end=\"3648\">\u27a1\ufe0f <a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"3521\" data-end=\"3571\"><strong data-start=\"3522\" data-end=\"3547\">Conhe\u00e7a a Buvei agora<\/strong><\/a> e prepare seu sistema para um cen\u00e1rio regulat\u00f3rio mais exigente e eficiente.<\/p>\n<h3 data-start=\"2550\" data-end=\"2597\"><a style=\"font-size: 16px;\" href=\"https:\/\/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><\/h3>\n","protected":false},"excerpt":{"rendered":"Na economia digital atual, seguran\u00e7a n\u00e3o \u00e9 mais opcional. Para empresas que operam na Uni\u00e3o Europeia ou com&hellip;","protected":false},"author":2,"featured_media":6877,"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":[594,126,3797,3799,625],"class_list":["post-6890","post","type-post","status-publish","format-standard","has-post-thumbnail","category-payment-basics-pt","tag-3d-secure-pt","tag-buvei-pt","tag-psd2-pt","tag-sca-pt","tag-virtual-cards-pt","cs-entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6890","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=6890"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6890\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/6877"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=6890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=6890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=6890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}