{"id":13927,"date":"2025-11-11T02:49:59","date_gmt":"2025-11-11T06:49:59","guid":{"rendered":"https:\/\/divulguems.com.br\/?p=13927"},"modified":"2025-11-11T02:49:59","modified_gmt":"2025-11-11T06:49:59","slug":"bc-bandeira-de-cartao-tera-de-pagar-transacoes-em-caso-de-falhas","status":"publish","type":"post","link":"https:\/\/divulguems.com.br\/?p=13927","title":{"rendered":"BC: bandeira de cart\u00e3o ter\u00e1 de pagar transa\u00e7\u00f5es em caso de falhas"},"content":{"rendered":"<\/p>\n<p><a class=\"\" href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-11\/bc-bandeira-de-cartao-tera-de-pagar-transacoes-em-caso-de-falhas\"><br \/>\n                    <img decoding=\"async\" src=\"https:\/\/cdn.jsdelivr.net\/gh\/sergiosdlima\/assets-ebc@1.0.0\/abr\/assets\/images\/logo-agenciabrasil.svg\" alt=\"Logo Ag\u00eancia Brasil\"><br \/>\n\t\t\t\t<\/a><\/p>\n<p><strong>O Banco Central (BC) publicou nesta segunda-feira (10) novas regras para o gerenciamento de riscos em arranjos de pagamento<\/strong>, que s\u00e3o os conjuntos de regras e procedimentos que disciplinam a presta\u00e7\u00e3o de determinados servi\u00e7os de pagamento ao p\u00fablico, entre os quais os cart\u00f5es de cr\u00e9dito e de d\u00e9bito.<img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1667076&#038;o=rss\"><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.gif?id=1667076&#038;o=rss\"><\/p>\n<p>Aprovadas ap\u00f3s consulta p\u00fablica realizada em 2024, as medidas, informou o BC, visam aumentar a seguran\u00e7a, a transpar\u00eancia e a efici\u00eancia no funcionamento do Sistema de Pagamentos Brasileiro (SPB).<\/p>\n<\/p>\n<h3>Not\u00edcias relacionadas:<\/h3>\n<ul>\n<li><a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-11\/bolsa-sobe-pela-14a-vez-seguida-e-ultrapassa-os-155-mil-pontos\">Bolsa sobe pela 14\u00aa vez seguida e ultrapassa os 155 mil pontos.<\/a><\/li>\n<\/ul>\n<p>As normas constam da <a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&#038;numero=522\" target=\"_blank\">Resolu\u00e7\u00e3o BCB n\u00ba 522<\/a>, que altera normas\u00a0de 2021 que regulavam o tema.<\/p>\n<p>Segundo o BC, as mudan\u00e7as \u201casseguram maior clareza quanto \u00e0s responsabilidades de cada participante e refor\u00e7am a prote\u00e7\u00e3o ao usu\u00e1rio recebedor de pagamentos\u201d. As <strong>regras entram em vigor imediatamente, mas as bandeiras de cart\u00f5es ter\u00e3o 180 dias para ajustar seus regulamentos<\/strong> e solicitar autoriza\u00e7\u00e3o formal para adequa\u00e7\u00e3o.<\/p>\n<h2>Responsabilidade das bandeiras<\/h2>\n<p><strong>O BC deixou claro que as bandeiras, como Visa, Mastercard e Elo, passam a ser respons\u00e1veis diretas por garantir o pagamento das transa\u00e7\u00f5es aos usu\u00e1rios recebedores<\/strong>, <strong>mesmo que ocorram falhas nos mecanismos de prote\u00e7\u00e3o do sistema.<\/strong> Se houver problemas em alguma institui\u00e7\u00e3o participante, como um emissor de cart\u00e3o (bancos, fintechs e outros) ou credenciadora (maquininhas), a bandeira dever\u00e1 utilizar recursos pr\u00f3prios para assegurar o repasse dos valores.<\/p>\n<p>A resolu\u00e7\u00e3o tamb\u00e9m estabelece que as bandeiras, consideradas as &#8220;instituidoras&#8221; dos arranjos de pagamento, n\u00e3o podem delegar \u00e0s credenciadoras a responsabilidade pelo gerenciamento de riscos das subcredenciadoras, nem permitir a exig\u00eancia de garantias entre participantes do arranjo. Al\u00e9m disso, fica vedado que credenciadoras ou subcredenciadoras discriminem emissores de cart\u00f5es, refor\u00e7ando o princ\u00edpio conhecido como honor all cards (aceitar todos os cart\u00f5es).<\/p>\n<h2>Chargeback<\/h2>\n<p>O<strong> novo marco regulat\u00f3rio tamb\u00e9m altera o processo de chargeback, revers\u00e3o de uma transa\u00e7\u00e3o contestada pelo titular do cart\u00e3o<\/strong>. A norma limita a responsabilidade financeira dos participantes a 180 dias ap\u00f3s a autoriza\u00e7\u00e3o da transa\u00e7\u00e3o. Ap\u00f3s esse prazo, caso as regras do arranjo permitam, a responsabilidade passa a ser integralmente da bandeira.<\/p>\n<p>Apesar de conceder liberdade para que as bandeiras escolham seus mecanismos de gest\u00e3o de risco, o BC destacou que essa escolha n\u00e3o as exime da responsabilidade final pela liquida\u00e7\u00e3o de todas as transa\u00e7\u00f5es.<\/p>\n<h2>Transpar\u00eancia e controle<\/h2>\n<p>Outro ponto relevante \u00e9 o aumento da exig\u00eancia de transpar\u00eancia nos crit\u00e9rios de implementa\u00e7\u00e3o e dimensionamento dos mecanismos de repasse e de gest\u00e3o de riscos financeiros. O objetivo \u00e9 deixar claro o papel de cada institui\u00e7\u00e3o \u2014 bandeiras, bancos, credenciadoras e subcredenciadoras \u2014 em caso de falha no fluxo de pagamento.<\/p>\n<p>As novas regras tamb\u00e9m refor\u00e7am o monitoramento centralizado das opera\u00e7\u00f5es, obrigando todas as subcredenciadoras a participarem integralmente dos sistemas de liquida\u00e7\u00e3o e compensa\u00e7\u00e3o centralizadas, o que deve reduzir vulnerabilidades nas opera\u00e7\u00f5es.<\/p>\n<h2>Preven\u00e7\u00e3o a fraudes<\/h2>\n<p>O BC informou que a resolu\u00e7\u00e3o traz comandos espec\u00edficos para aprimorar a gest\u00e3o de riscos de fraudes e golpes, al\u00e9m de medidas de preven\u00e7\u00e3o \u00e0 lavagem de dinheiro, ao financiamento do terrorismo e \u00e0 prolifera\u00e7\u00e3o de armas de destrui\u00e7\u00e3o em massa. As medidas tamb\u00e9m alinham os procedimentos dos arranjos de pagamento aos padr\u00f5es de controle exigidos do Sistema Financeiro Nacional (SFN).<\/p>\n<h2>Prazos e adequa\u00e7\u00e3o<\/h2>\n<p>Embora as novas regras j\u00e1 estejam em vigor, as institui\u00e7\u00f5es ter\u00e3o at\u00e9 180 dias para protocolar pedidos de autoriza\u00e7\u00e3o de ajustes nos regulamentos dos arranjos de pagamento e para implementar as mudan\u00e7as operacionais exigidas.<\/p>\n<p>\u201cOs regulamentos atuais continuam v\u00e1lidos at\u00e9 a autoriza\u00e7\u00e3o das altera\u00e7\u00f5es\u201d, informou o BC em nota.<\/p>\n<p>A autoridade monet\u00e1ria destacou ainda que o conjunto de medidas traz maior robustez ao arcabou\u00e7o regulat\u00f3rio do setor e fortalece a confian\u00e7a dos consumidores e empresas nas opera\u00e7\u00f5es eletr\u00f4nicas de pagamento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Banco Central (BC) publicou nesta segunda-feira (10) novas regras para o gerenciamento de riscos em arranjos de pagamento, que s\u00e3o os conjuntos de regras e procedimentos que disciplinam a presta\u00e7\u00e3o de determinados servi\u00e7os de pagamento ao p\u00fablico, entre os quais os cart\u00f5es de cr\u00e9dito e de d\u00e9bito. Aprovadas ap\u00f3s consulta p\u00fablica realizada em 2024, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-13927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguranca-e-justica"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BC: bandeira de cart\u00e3o ter\u00e1 de pagar transa\u00e7\u00f5es em caso de falhas - Divulgue MS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/divulguems.com.br\/?p=13927\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BC: bandeira de cart\u00e3o ter\u00e1 de pagar transa\u00e7\u00f5es em caso de falhas\" \/>\n<meta property=\"og:description\" content=\"O Banco Central (BC) publicou nesta segunda-feira (10) novas regras para o gerenciamento de riscos em arranjos de pagamento, que s\u00e3o os conjuntos de regras e procedimentos que disciplinam a presta\u00e7\u00e3o de determinados servi\u00e7os de pagamento ao p\u00fablico, entre os quais os cart\u00f5es de cr\u00e9dito e de d\u00e9bito. 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