{"id":13079,"date":"2021-10-27T17:13:43","date_gmt":"2021-10-27T16:13:43","guid":{"rendered":"https:\/\/go4mobility.com\/?p=13079"},"modified":"2021-10-27T17:21:07","modified_gmt":"2021-10-27T16:21:07","slug":"breve-guia-para-a-psd2","status":"publish","type":"post","link":"https:\/\/go4mobility.com\/pt-pt\/breve-guia-para-a-psd2\/","title":{"rendered":"Breve guia para a PSD2"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"13079\" class=\"elementor elementor-13079\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6aaa3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6aaa3e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27f928d\" data-id=\"27f928d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8298a2a elementor-widget elementor-widget-text-editor\" data-id=\"8298a2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>J\u00e1 ouviu falar\u00a0da\u00a0PSD2 (Diretiva de Servi\u00e7os de Pagamento\u00a02)?\u00a0<\/strong><\/p><p><span data-contrast=\"auto\">Esta \u00e9<\/span><span data-contrast=\"auto\">\u00a0a diretiva europeia revista que reg<\/span><span data-contrast=\"auto\">e<\/span><span data-contrast=\"auto\">\u00a0as regras nas transa\u00e7\u00f5es de pagamento<\/span><span data-contrast=\"auto\">s online, e<\/span><span data-contrast=\"auto\">\u00a0que afetam todos os participantes no mercado: comerciantes, consumidores e, acima de tudo, bancos e outras entidades de pagamento.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">S<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">e tem uma loja online ou \u00e9 um provedor de conte\u00fado<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">s<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">, \u00e9 importante entender os principais conceitos e implica\u00e7\u00f5es por\u00a0<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">de<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">tr\u00e1s das mudan\u00e7as na<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">s<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">\u00a0estrutura<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">s<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">\u00a0regulat\u00f3ria<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">s<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">\u00a0de pagamentos<\/span><\/span><span class=\"TextRun SCXW258702243 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW258702243 BCX0\">.<\/span><\/span><span class=\"EOP SCXW258702243 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-624c5d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"624c5d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ddec167\" data-id=\"ddec167\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d048e4 elementor-widget elementor-widget-heading\" data-id=\"9d048e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A Diretiva de Servi\u00e7os de Pagamento Ampliada <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbc1d4b elementor-widget elementor-widget-text-editor\" data-id=\"fbc1d4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">A Diretiva de Servi\u00e7os de Pagamento Revis<\/span><span data-contrast=\"auto\">ta<\/span><span data-contrast=\"auto\">\u00a0(PSD2) \u00e9 um <strong>conjunto de leis e regulamentos para servi\u00e7os de pagamento<\/strong> na Uni\u00e3o Europeia (UE) no Espa\u00e7o Econ\u00f3mico Europeu (EEE).\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<br \/><\/span><span data-contrast=\"auto\">Entrou em vigor em setembro de 2019 e trouxe mudan\u00e7as significativas\u00a0<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">o setor<\/span><span data-contrast=\"auto\">:\u00a0<\/span><span data-contrast=\"auto\">abri<\/span><span data-contrast=\"auto\">u<\/span><span data-contrast=\"auto\">\u00a0o mercado para novos participantes e modelos de neg\u00f3cios,\u00a0<\/span><span data-contrast=\"auto\">permitindo<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">um\u00a0<\/span><span data-contrast=\"auto\">n\u00edvel<\/span><span data-contrast=\"auto\">\u00a0mais\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">elevado\u00a0<\/span><span data-contrast=\"auto\">de seguran\u00e7a nas transa\u00e7\u00f5es de pagamento.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-027814c elementor-widget elementor-widget-heading\" data-id=\"027814c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">O PSD2 afeta todos os participantes do ecossistema de pagamentos online: <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c53537 elementor-widget elementor-widget-image\" data-id=\"2c53537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"591\" src=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-1024x591.png\" class=\"attachment-large size-large wp-image-13080\" alt=\"\" srcset=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-1024x591.png 1024w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-300x173.png 300w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-768x443.png 768w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-1536x887.png 1536w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-03_Mesa-de-trabajo-1-2048x1182.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0bd049c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0bd049c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f1a7d6\" data-id=\"7f1a7d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de078f5 elementor-widget elementor-widget-heading\" data-id=\"de078f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A PSD2 \u00e9 necess\u00e1ria?<b style=\", serif;font-size: 12pt;white-space: normal\"><span lang=\"EN-GB\" style=\"font-size: 14pt;font-family: Calibri, sans-serif\">&nbsp;<\/span><\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edbd6e9 elementor-widget elementor-widget-text-editor\" data-id=\"edbd6e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Desde o quadro regulamentar inicial\u00a0<\/span><span data-contrast=\"auto\">de<\/span><span data-contrast=\"auto\">\u00a02007<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\">PSD1<\/span><span data-contrast=\"auto\">\u2014<\/span><span data-contrast=\"auto\">que o objetivo da UE tem sido estimular um ambiente inovador e transparente no mercado europeu de servi\u00e7os de pagamento e, simultaneamente, aumentar a qualidade dos<\/span><span data-contrast=\"auto\">\u00a0processos<\/span><span data-contrast=\"auto\">\u00a0e impedir a fraude. Desde ent\u00e3o, o mercado cresceu significativamente, o que levou \u00e0 extens\u00e3o da diretiva inicial<\/span><span data-contrast=\"auto\">\u00a0em 2019.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\"><strong> H\u00e1 cada vez mais fraude em pagamentos online na Europa<\/strong>: a fraude online representa agora 73% das\u00a0<\/span><span data-contrast=\"auto\">mesmas\u00a0<\/span><span data-contrast=\"auto\">na Europa e\u00a0<\/span><span data-contrast=\"auto\">verifica-se<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">um\u00a0aumento<\/span><span data-contrast=\"auto\">.<\/span><\/li><\/ul><ul><li><span data-contrast=\"auto\"><b><strong>\u00a0Ascens\u00e3o da economia das APIs<\/strong><\/b>: as APIs s\u00e3o fundamentais para o sucesso das empresas de tecnologia e t\u00eam apoiado a cria\u00e7\u00e3o de modelos de neg\u00f3cio totalmente novos,\u00a0<\/span><span data-contrast=\"auto\">como, por exemplo, as\u00a0<\/span><span data-contrast=\"auto\"><em>fintech<\/em>. As APIs\u00a0<\/span><span data-contrast=\"auto\">possibilitam, com a PSD2,<\/span><span data-contrast=\"auto\">\u00a0meios para que\u00a0<\/span><span data-contrast=\"auto\">os\u00a0<\/span><span data-contrast=\"auto\">servi\u00e7os banc\u00e1rios e\u00a0<\/span><span data-contrast=\"auto\">de\u00a0<\/span><span data-contrast=\"auto\">pagamentos se tornem mais abertos<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li><span data-contrast=\"auto\"><strong> Novos modelos de neg\u00f3cios de pagamento:<\/strong> Desde\u00a0<\/span><span data-contrast=\"auto\">a\u00a0<\/span><span data-contrast=\"auto\">PSD1, introduzid<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">\u00a0em 2007,\u00a0<\/span><span data-contrast=\"auto\">o com\u00e9rcio online cresceu<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">E, a<\/span><span data-contrast=\"auto\">t\u00e9\u00a0<\/span><span data-contrast=\"auto\">recentemente<\/span><span data-contrast=\"auto\">, esses novos tipos de neg\u00f3cios n\u00e3o foram\u00a0totalmente regulamentados.\u00a0<\/span><span data-contrast=\"auto\">A\u00a0<\/span><span data-contrast=\"auto\">PSD2 fornece padr\u00f5es e estrutura\u00a0<\/span><span data-contrast=\"auto\">que\u00a0<\/span><span data-contrast=\"auto\">permit<\/span><span data-contrast=\"auto\">em\u00a0<\/span><span data-contrast=\"auto\">que essas novas empresas ace<\/span><span data-contrast=\"auto\">dam<\/span><span data-contrast=\"auto\">\u00a0a<\/span><span data-contrast=\"auto\">\u00a0informa\u00e7\u00e3o relativa a<\/span><span data-contrast=\"auto\">\u00a0contas banc\u00e1rias dos clientes.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8f668a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8f668a8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37f045e\" data-id=\"37f045e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f5df1c elementor-widget elementor-widget-heading\" data-id=\"5f5df1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que a PSD2 traz de novo? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb9ee8 elementor-widget elementor-widget-text-editor\" data-id=\"2eb9ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">O principal objetivo da diretiva \u00e9 tornar o mercado europeu de pagamentos mais integrado, eficiente,\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">e\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">reduzi<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">r<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">\u00a0custos<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">. Este\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">torna-se mais seguro para\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">os\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">consumidores.\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">O objetivo passa por\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">melhora<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">r<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">\u00a0a igualdade de condi\u00e7\u00f5es para os prestadores de servi\u00e7os de pagamento e promove<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">r<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">\u00a0a concorr\u00eancia no sistema,\u00a0<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">a partir de<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">\u00a0regras<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" lang=\"PT-PT\" xml:lang=\"PT-PT\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">\u00a0padronizadas<\/span><\/span><span class=\"TextRun SCXW207693307 BCX0\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW207693307 BCX0\">.<\/span><\/span><span class=\"EOP SCXW207693307 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2e970 elementor-widget elementor-widget-image\" data-id=\"ad2e970\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"565\" src=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-1024x565.png\" class=\"attachment-large size-large wp-image-13124\" alt=\"\" srcset=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-1024x565.png 1024w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-300x165.png 300w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-768x424.png 768w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-1536x847.png 1536w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-antes-agora-06-2048x1130.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d15cd3 elementor-widget elementor-widget-spacer\" data-id=\"0d15cd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-765d95d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"765d95d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8e2e14\" data-id=\"d8e2e14\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f03ebcb elementor-widget elementor-widget-heading\" data-id=\"f03ebcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mudan\u00e7as importantes para vendedores online e provedores de pagamentos <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-137f6a7 elementor-widget elementor-widget-text-editor\" data-id=\"137f6a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Na UE,\u00a0<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">\u00a0PSD2\u00a0<\/span><span data-contrast=\"auto\">permite<\/span><span data-contrast=\"auto\">\u00a0transa\u00e7\u00f5es de pagamento para n\u00e3o<\/span><span data-contrast=\"auto\">&#8211;<\/span><span data-contrast=\"auto\">bancos (ou seja, terceiros).\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Dois novos tipos de entidades opera<\/span><span data-contrast=\"auto\">m<\/span><span data-contrast=\"auto\">\u00a0no mercado:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li><span data-contrast=\"auto\"> Provedores de servi\u00e7os de informa\u00e7\u00f5es de contas (AISPs)<\/span><\/li><li><span data-contrast=\"auto\"> Provedores de servi\u00e7os de inicia\u00e7\u00e3o de pagamento (PISPs)<\/span><\/li><\/ul><p><span data-contrast=\"auto\">A diferen\u00e7a entre estes \u00e9 que os AISPs permitem ao consumidor ter uma vis\u00e3o global da sua situa\u00e7\u00e3o financeira, acedendo a um ou mais pagamentos diferentes para cada titular e categorizando os seus gastos de acordo com diferentes tipologias.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<br \/><\/span><span data-contrast=\"auto\">Os PISPs podem iniciar pagamentos ou transfer\u00eancias online diretamente da conta banc\u00e1ria do\u00a0<\/span><span data-contrast=\"auto\">comprador\u00a0<\/span><span data-contrast=\"auto\">por meio de um portal online.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">A abertura do mercado para novos provedores, novas solu\u00e7\u00f5es e\u00a0<\/span><span data-contrast=\"auto\">o\u00a0<\/span><span data-contrast=\"auto\">aumento da concorr\u00eancia<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">impulsiona<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">melhorias em termos de desenvolvimento de experi\u00eancias de pagamento mais r\u00e1pidas e suaves e redu\u00e7\u00e3o d<\/span><span data-contrast=\"auto\">e\u00a0<\/span><span data-contrast=\"auto\">custos de transa\u00e7\u00f5<\/span><span data-contrast=\"auto\">es<\/span><span data-contrast=\"auto\">\u00a0de pagamento<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Ao mesmo tempo, aumenta a prote\u00e7\u00e3o do consumidor. Al\u00e9m de mais flexibilidade\u00a0<\/span><span data-contrast=\"auto\">nos<\/span><span data-contrast=\"auto\">\u00a0pagamentos online,\u00a0<\/span><span data-contrast=\"auto\">a\u00a0<\/span><span data-contrast=\"auto\">PSD2 imp\u00f5<\/span><span data-contrast=\"auto\">e<\/span><span data-contrast=\"auto\">\u00a0padr\u00f5es de seguran\u00e7a<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">elevados para as transa\u00e7\u00f5es.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00a0\u00c9 aqui que medidas como a implementa\u00e7\u00e3o de SCA (Strong Customer Authentication) entram em vigor.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f68d82b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f68d82b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ad70aa\" data-id=\"7ad70aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a14022 elementor-widget elementor-widget-heading\" data-id=\"9a14022\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Autentica\u00e7\u00e3o fortalecida <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce1cec5 elementor-widget elementor-widget-text-editor\" data-id=\"ce1cec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">A<\/span><span data-contrast=\"auto\">\u00a0PSD2 tem um requisito de autentica\u00e7\u00e3o\u00a0<\/span><span data-contrast=\"auto\">mais forte\u00a0<\/span><span data-contrast=\"auto\">do cliente (SCA).\u00a0<\/span><span data-contrast=\"auto\">A<\/span><span data-contrast=\"auto\">\u00a0SCA \u00e9 necess\u00e1ri<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">\u00a0para validar o u<\/span><span data-contrast=\"auto\">tilizador<\/span><span data-contrast=\"auto\">\u00a0ou a transa\u00e7\u00e3o para todos os pagamentos digitais.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">A\u00a0<\/span><span data-contrast=\"auto\">SCA envolve um processo de v\u00e1rias etapas, em que dois dos tr\u00eas elementos a seguir devem ser atendidos para validar a autentica\u00e7\u00e3o<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Esses tr\u00eas elementos s\u00e3o <strong>heran\u00e7a, posse e conhecimento.<\/strong><\/span><strong>\u00a0<\/strong><\/p><p><span data-contrast=\"auto\">Ou, em outras palavras, algo que o\u00a0<\/span><span data-contrast=\"auto\">utilizador<\/span><span data-contrast=\"auto\">\u00a0\u00e9, algo que ele possui e algo que\u00a0<\/span><span data-contrast=\"auto\">este\u00a0<\/span><span data-contrast=\"auto\">conhece.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2761d0e elementor-widget elementor-widget-image\" data-id=\"2761d0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"253\" src=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-1024x253.png\" class=\"attachment-large size-large wp-image-13118\" alt=\"\" srcset=\"https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-1024x253.png 1024w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-300x74.png 300w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-768x190.png 768w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-1536x380.png 1536w, https:\/\/go4mobility.com\/wp-content\/uploads\/2021\/10\/PSD2-autenticacao-05-2048x507.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0470316 elementor-widget elementor-widget-spacer\" data-id=\"0470316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f408bd6 elementor-widget elementor-widget-text-editor\" data-id=\"f408bd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">O foco<\/span><span data-contrast=\"auto\">\u00a0nos<\/span><span data-contrast=\"auto\">\u00a0requisitos de seguran\u00e7a refor\u00e7ados para pagamentos digitais visa garantir a prote\u00e7\u00e3o das informa\u00e7\u00f5es financeiras dos consumidores e prevenir fraudes. Isso, por sua vez, aumenta<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">a confian\u00e7a no mercado e contribui para\u00a0<\/span><span data-contrast=\"auto\">o\u00a0<\/span><span data-contrast=\"auto\">seu crescimento.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Especialista no<\/span><span data-contrast=\"auto\">\u00a0mercado de pagamentos digitais, a Go4Mobility est\u00e1 comprometida em impulsionar o crescimento sustentado no mercado de pagamentos m\u00f3veis para vendedores e comerciantes online,\u00a0<\/span><span data-contrast=\"auto\">e oferecer<\/span><span data-contrast=\"auto\">\u00a0uma experi\u00eancia cada vez mais conveniente e segura para os consumidores.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Paralelamente ao investimento cont\u00ednuo\u00a0<\/span><span data-contrast=\"auto\">n<\/span><span data-contrast=\"auto\">uma experi\u00eancia \u00fanica de\u00a0<\/span><i><span data-contrast=\"auto\">checkout<\/span><\/i><span data-contrast=\"auto\">\u00a0e pagamentos, a Go4Mobility\u00a0<\/span><span data-contrast=\"auto\">valoriza<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">\u00a0prote<\/span><span data-contrast=\"auto\">\u00e7\u00e3o dos<\/span><span data-contrast=\"auto\">\u00a0seus clientes e parceiros contra\u00a0<\/span><span data-contrast=\"auto\">a in<\/span><span data-contrast=\"auto\">seguran\u00e7a cibern\u00e9tica, implementando medidas necess\u00e1rias e trabalhando com fornecedores confi\u00e1veis \u200b\u200b- como a empresa francesa Evina &#8211; para garantir que as transa\u00e7\u00f5es sejam cada vez mais segur<\/span><span data-contrast=\"auto\">as\u00a0<\/span><span data-contrast=\"auto\">e lucrativ<\/span><span data-contrast=\"auto\">as<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Se \u00e9\u00a0<\/span><span data-contrast=\"auto\">comerciante<\/span><span data-contrast=\"auto\">\u00a0online ou provedor de conte\u00fad<\/span><span data-contrast=\"auto\">os\u00a0<\/span><span data-contrast=\"auto\">e\u00a0<\/span><span data-contrast=\"auto\">est\u00e1 interessado em<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">saber mais<\/span><span data-contrast=\"auto\">\u00a0sobre\u00a0<\/span><span data-contrast=\"auto\">a\u00a0<\/span><span data-contrast=\"auto\">PSD2 e\u00a0<\/span><span data-contrast=\"auto\">os\u00a0<\/span><span data-contrast=\"auto\">padr\u00f5es de conformidade ou est\u00e1 interessado em saber mais sobre<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">solu\u00e7\u00f5es e servi\u00e7os de pagamentos que oferecemos em todo o mundo<\/span><span data-contrast=\"auto\">\u00a0entre em contato\u00a0<\/span><b><span data-contrast=\"auto\"><a href=\"mailto:info@go4mobility.com\">aqui<\/a>. <\/span><\/b><span data-contrast=\"auto\">Temos uma equipa de especialistas pronta para o ajudar!<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PSD2 \u00e9 a diretiva europeia revista que rege as regras nas transa\u00e7\u00f5es de pagamentos online, e que afetam todos os participantes no mercado: comerciantes, consumidores e, acima de tudo, bancos e outras entidades de pagamento.  <\/p>\n","protected":false},"author":17,"featured_media":13147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[],"class_list":["post-13079","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artigos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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