{"id":7127,"date":"2025-07-21T02:46:50","date_gmt":"2025-07-21T02:46:50","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=7127"},"modified":"2025-07-21T02:47:47","modified_gmt":"2025-07-21T02:47:47","slug":"payment-gateways-vs-aggregators-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/payment-gateways-vs-aggregators-3\/","title":{"rendered":"Gateway vs Agregador de Pagamentos\u202f\u2013 O que \u00e9 ideal para sua empresa?"},"content":{"rendered":"<div class=\"ace-line ace-line old-record-id-C7todfp3qoEBpwxgXz9lIDf0gwL\">\n<p data-start=\"4080\" data-end=\"4297\">Com a expans\u00e3o dos neg\u00f3cios no mundo digital, escolher a infraestrutura de pagamento certa \u00e9 fundamental. Duas pe\u00e7as centrais \u2013 gateway de pagamento e agregador \u2013 s\u00e3o frequentemente confundidas, mas s\u00e3o bem distintas.<\/p>\n<p data-start=\"4299\" data-end=\"4473\">Na <a href=\"https:\/\/buvei.com\/\">Buvei<\/a>, trabalhamos com ambos os modelos para capacitar comerciantes, plataformas e fintechs com emiss\u00e3o de cart\u00f5es virtuais e roteamento de pagamento multicanal eficiente.<\/p>\n<\/div>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7121 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h4 data-start=\"4475\" data-end=\"4512\">O que \u00e9 um gateway de pagamento?<\/h4>\n<p data-start=\"4514\" data-end=\"4649\">\u00c9 o equivalente digital de um terminal POS. Captura e transmite dados de pagamento do cliente com seguran\u00e7a para os bancos adquirentes.<\/p>\n<p data-start=\"4651\" data-end=\"4788\">Por exemplo, ao comprar uma assinatura com cart\u00e3o virtual Buvei, o gateway criptografa os dados e os envia para o processador apropriado.<\/p>\n<p data-start=\"4790\" data-end=\"4829\"><strong data-start=\"4790\" data-end=\"4827\">Fun\u00e7\u00f5es essenciais de um gateway:<\/strong><\/p>\n<ul data-start=\"4830\" data-end=\"4972\">\n<li data-start=\"4830\" data-end=\"4861\">\n<p data-start=\"4832\" data-end=\"4861\">Transmiss\u00e3o de dados segura<\/p>\n<\/li>\n<li data-start=\"4862\" data-end=\"4900\">\n<p data-start=\"4864\" data-end=\"4900\">Tokeniza\u00e7\u00e3o e preven\u00e7\u00e3o de fraudes<\/p>\n<\/li>\n<li data-start=\"4901\" data-end=\"4925\">\n<p data-start=\"4903\" data-end=\"4925\">Conformidade <a href=\"https:\/\/buvei.com\/blog\/fintech-payment-compliance-standards\/\">PCI DSS<\/a><\/p>\n<\/li>\n<li data-start=\"4926\" data-end=\"4972\">\n<p data-start=\"4928\" data-end=\"4972\">Compatibilidade com diversos processadores<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4974\" data-end=\"5040\">Gateways n\u00e3o movimentam dinheiro \u2014 apenas facilitam a comunica\u00e7\u00e3o.<\/p>\n<h3><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><\/h3>\n<h4 data-start=\"5042\" data-end=\"5082\">O que \u00e9 um agregador de pagamentos?<\/h4>\n<p data-start=\"5084\" data-end=\"5232\">O agregador permite que m\u00faltiplos neg\u00f3cios aceitem pagamentos sob uma \u00fanica conta principal. Pequenos comerciantes n\u00e3o precisam abrir conta pr\u00f3pria.<\/p>\n<p data-start=\"5234\" data-end=\"5449\">Exemplos populares: Stripe, PayPal, Square. Com cart\u00f5es virtuais Buvei, essas plataformas podem ser financiadas com stablecoin ou m\u00e9todos tradicionais para gerenciar an\u00fancios, assinaturas SaaS ou pagamentos globais.<\/p>\n<p data-start=\"5451\" data-end=\"5480\"><strong data-start=\"5451\" data-end=\"5478\">Vantagens do agregador:<\/strong><\/p>\n<ul data-start=\"5481\" data-end=\"5629\">\n<li data-start=\"5481\" data-end=\"5517\">\n<p data-start=\"5483\" data-end=\"5517\">Onboarding r\u00e1pido sem <a href=\"https:\/\/buvei.com\/blog\/merchant-id-mid-credit-card-payments\/\">MID<\/a> direto<\/p>\n<\/li>\n<li data-start=\"5518\" data-end=\"5543\">\n<p data-start=\"5520\" data-end=\"5543\"><a href=\"https:\/\/buvei.com\/blog\/kyc-vs-aml-payment-compliance\/\">KYC\/AML<\/a> simplificados<\/p>\n<\/li>\n<li data-start=\"5544\" data-end=\"5590\">\n<p data-start=\"5546\" data-end=\"5590\">Gest\u00e3o de fraudes e concilia\u00e7\u00e3o integradas<\/p>\n<\/li>\n<li data-start=\"5591\" data-end=\"5629\">\n<p data-start=\"5593\" data-end=\"5629\">Modelo de receita baseado em taxas<\/p>\n<\/li>\n<\/ul>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7123 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/Payment-Gateway-vs.-Payment-Aggregator-Whats-Best-for-Your-Business2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h4 data-start=\"5631\" data-end=\"5674\">Diferen\u00e7as chave: gateway vs agregador<\/h4>\n<div class=\"_tableContainer_80l1q_1\">\n<div class=\"_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"5676\" data-end=\"6241\">\n<thead data-start=\"5676\" data-end=\"5756\">\n<tr data-start=\"5676\" data-end=\"5756\">\n<th data-start=\"5676\" data-end=\"5699\" data-col-size=\"sm\">Recurso<\/th>\n<th data-start=\"5699\" data-end=\"5724\" data-col-size=\"sm\">Gateway de Pagamento<\/th>\n<th data-start=\"5724\" data-end=\"5756\" data-col-size=\"sm\">Agregador de Pagamento<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"5838\" data-end=\"6241\">\n<tr data-start=\"5838\" data-end=\"5918\">\n<td data-start=\"5838\" data-end=\"5861\" data-col-size=\"sm\">Conta Comerciante<\/td>\n<td data-start=\"5861\" data-end=\"5886\" data-col-size=\"sm\">Necess\u00e1ria individual<\/td>\n<td data-start=\"5886\" data-end=\"5918\" data-col-size=\"sm\">Compartilhada<\/td>\n<\/tr>\n<tr data-start=\"5919\" data-end=\"5999\">\n<td data-start=\"5919\" data-end=\"5942\" data-col-size=\"sm\">Liquida\u00e7\u00e3o<\/td>\n<td data-start=\"5942\" data-end=\"5967\" data-col-size=\"sm\">Direta com o adquirente<\/td>\n<td data-start=\"5967\" data-end=\"5999\" data-col-size=\"sm\">Gerenciada pelo agregador<\/td>\n<\/tr>\n<tr data-start=\"6000\" data-end=\"6079\">\n<td data-start=\"6000\" data-end=\"6023\" data-col-size=\"sm\">Onboarding<\/td>\n<td data-start=\"6023\" data-end=\"6047\" data-col-size=\"sm\">Mais lento e complexo<\/td>\n<td data-start=\"6047\" data-end=\"6079\" data-col-size=\"sm\">R\u00e1pido e simplificado<\/td>\n<\/tr>\n<tr data-start=\"6080\" data-end=\"6160\">\n<td data-start=\"6080\" data-end=\"6103\" data-col-size=\"sm\">Flexibilidade<\/td>\n<td data-start=\"6103\" data-end=\"6128\" data-col-size=\"sm\">Maior controle<\/td>\n<td data-start=\"6128\" data-end=\"6160\" data-col-size=\"sm\">M\u00e1xima conveni\u00eancia<\/td>\n<\/tr>\n<tr data-start=\"6161\" data-end=\"6241\">\n<td data-start=\"6161\" data-end=\"6184\" data-col-size=\"sm\">Ideal para<\/td>\n<td data-start=\"6184\" data-end=\"6209\" data-col-size=\"sm\">Grandes empresas<\/td>\n<td data-start=\"6209\" data-end=\"6241\" data-col-size=\"sm\">Startups, plataformas<\/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<h4 data-start=\"6243\" data-end=\"6266\">Como a Buvei ajuda<\/h4>\n<p data-start=\"6268\" data-end=\"6358\">Seja com integra\u00e7\u00e3o de gateway ou uso de agregador, a Buvei potencializa sua opera\u00e7\u00e3o com:<\/p>\n<ul data-start=\"6359\" data-end=\"6552\">\n<li data-start=\"6359\" data-end=\"6430\">\n<p data-start=\"6361\" data-end=\"6430\">Cart\u00f5es virtuais para gest\u00e3o de gastos (ex: rastreamento por canal)<\/p>\n<\/li>\n<li data-start=\"6431\" data-end=\"6469\">\n<p data-start=\"6433\" data-end=\"6469\">Financiamento em stablecoin e fiat<\/p>\n<\/li>\n<li data-start=\"6470\" data-end=\"6516\">\n<p data-start=\"6472\" data-end=\"6516\">Pagamentos multi\u2011conta com 2\u202f% de cashback<\/p>\n<\/li>\n<li data-start=\"6517\" data-end=\"6552\">\n<p data-start=\"6519\" data-end=\"6552\">Controles detalhados por cart\u00e3o<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6554\" data-end=\"6637\">A Buvei permite construir infraestruturas personalizadas mantendo agilidade global.<\/p>\n<h4 data-start=\"6639\" data-end=\"6653\">Conclus\u00e3o<\/h4>\n<p data-start=\"6655\" data-end=\"6793\">Saber diferenciar gateway e agregador \u00e9 crucial para otimizar seu setup de pagamentos. <a href=\"https:\/\/buvei.com\/\">Com Buvei<\/a>, voc\u00ea aproveita o melhor dos dois mundos.<\/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":"Com a expans\u00e3o dos neg\u00f3cios no mundo digital, escolher a infraestrutura de pagamento certa \u00e9 fundamental. Duas pe\u00e7as&hellip;","protected":false},"author":2,"featured_media":7122,"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":[126,3922,3924,436,625],"class_list":{"0":"post-7127","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-gateways-pt","10":"tag-online-payments-pt","11":"tag-payment-en-pt","12":"tag-virtual-cards-pt","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/7127","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=7127"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/7127\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/7122"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=7127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=7127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=7127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}