{"id":8314,"date":"2023-08-16T06:15:31","date_gmt":"2023-08-16T13:15:31","guid":{"rendered":"https:\/\/membermouse.com\/?post_type=ht_kb&amp;p=8314"},"modified":"2023-08-16T06:15:31","modified_gmt":"2023-08-16T13:15:31","slug":"autenticacao-forte-do-cliente-sca-conformidade","status":"publish","type":"ht_kb","link":"https:\/\/membermouse.com\/pt\/docs\/strong-customer-authentication-sca-compliance\/","title":{"rendered":"Conformidade com a autentica\u00e7\u00e3o forte do cliente (SCA)"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Voc\u00ea se lembra das regulamenta\u00e7\u00f5es de autentica\u00e7\u00e3o forte do cliente (SCA)? Com base em tudo o que aconteceu em 2020, seria compreens\u00edvel se voc\u00ea n\u00e3o se lembrasse. Tecnicamente, essas normas entraram em vigor em setembro de 2019, mas o prazo foi adiado e elas finalmente est\u00e3o prestes a ser aplicadas em toda a Europa.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se o seu banco estiver ...<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>com sede no Espa\u00e7o Econ\u00f4mico Europeu (EEE)\u00a0<em>e\u00a0<\/em><br><\/li>\n\n\n\n<li>voc\u00ea tem clientes que tamb\u00e9m est\u00e3o localizados no EEE e\u00a0<br><\/li>\n\n\n\n<li>voc\u00ea est\u00e1 usando um processador de pagamentos no local, como Stripe, Braintree ou Authorize.net CIM&nbsp;<br><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">... ent\u00e3o a capacidade de sua empresa de processar pagamentos provavelmente ser\u00e1 afetada quando essas regulamenta\u00e7\u00f5es forem aplicadas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Continue lendo para obter mais informa\u00e7\u00f5es sobre os recursos do MemberMouse (dispon\u00edveis na vers\u00e3o 2.3.0 e posteriores) que permitem que voc\u00ea cumpra esses regulamentos, bem como as medidas proativas e reativas a serem tomadas para minimizar sua exposi\u00e7\u00e3o a essas altera\u00e7\u00f5es.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 a SCA e por que voc\u00ea deve se preocupar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se esta \u00e9 a primeira vez que voc\u00ea est\u00e1 ouvindo sobre isso, SCA significa Strong Customer Authentication (autentica\u00e7\u00e3o forte do cliente).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trata-se de uma nova exig\u00eancia de pagamento que foi introduzida como parte da Diretiva Revisada de Servi\u00e7os de Pagamento da Uni\u00e3o Europeia (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Payment_Services_Directive#Revised_Directive_on_Payment_Services_(PSD2\">PSD2<\/a>) em 14 de setembro de 2019. Seu objetivo \u00e9 fornecer aos consumidores uma camada adicional de prote\u00e7\u00e3o para pagamentos on-line e minimizar as tentativas de pagamento fraudulento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Observa\u00e7\u00e3o importante: atualmente, a SCA s\u00f3 se aplica a empresas e consumidores dentro da&nbsp;<a href=\"https:\/\/en.wikipedia.org\/wiki\/European_Economic_Area\">Espa\u00e7o Econ\u00f4mico Europeu<\/a>&nbsp;que inclui os estados-membros da UE, bem como o Reino Unido, a Isl\u00e2ndia, Liechtenstein e a Noruega.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aqui est\u00e1 um trecho de&nbsp;<a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\">Guia do Stripe sobre SCA<\/a>&nbsp;voc\u00ea pode achar \u00fatil:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\"A autentica\u00e7\u00e3o forte do cliente (SCA) \u00e9 um novo requisito regulat\u00f3rio europeu para reduzir fraudes e tornar os pagamentos on-line mais seguros. Para aceitar pagamentos e atender aos requisitos da SCA, voc\u00ea precisa criar uma autentica\u00e7\u00e3o adicional em seu fluxo de checkout. A SCA exige que a autentica\u00e7\u00e3o use pelo menos dois dos tr\u00eas elementos a seguir.\"<\/em><br><br><img decoding=\"async\" class=\"wp-image-10653\" style=\"width: 600px;\" src=\"https:\/\/storage.googleapis.com\/wpgcbucket\/wp\/2023\/09\/63947da4-uuz687s4lworzedez6jlznvgnez8v28m4w.png\" alt=\"\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Cr\u00e9dito da imagem: Stripe<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Embora a SCA tenha entrado em vigor em 14 de setembro de 2019, os problemas de conformidade e a confus\u00e3o em torno da implementa\u00e7\u00e3o fizeram com que a Autoridade Banc\u00e1ria Europeia (EBA) concedesse uma prorroga\u00e7\u00e3o \u00e0s empresas antes de aplicar os novos requisitos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dito isso, o prazo para aplica\u00e7\u00e3o est\u00e1 chegando.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Em 16 de outubro de 2020, a EBA anunciou que a conformidade com a SCA ser\u00e1 totalmente aplicada em 31 de dezembro de 2020 no Espa\u00e7o Econ\u00f4mico Europeu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No entanto, devido \u00e0 pandemia da COVID-19, o \u00f3rg\u00e3o regulador do Reino Unido anunciou uma data de aplica\u00e7\u00e3o revisada para 14 de setembro de 2021. Essa mesma data de aplica\u00e7\u00e3o tamb\u00e9m se aplica \u00e0 Su\u00ed\u00e7a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apesar dessas datas oficiais, a aplica\u00e7\u00e3o gradual dos requisitos da SCA j\u00e1 come\u00e7ou. De acordo com o Stripe, alguns bancos come\u00e7aram a recusar uma parte dos pagamentos que n\u00e3o est\u00e3o prontos para a SCA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para obter todos os detalhes sobre a SCA e sua aplica\u00e7\u00e3o, recomendamos que voc\u00ea examine os seguintes recursos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/stripe.com\/guides\/strong-customer-authentication\" target=\"_blank\" rel=\"noreferrer noopener\">Guia do Stripe para SCA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/support.stripe.com\/questions\/strong-customer-authentication-sca-enforcement-date\" target=\"_blank\" rel=\"noreferrer noopener\">Datas de aplica\u00e7\u00e3o da SCA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.youtube.com\/watch?v=kJfTz-jypEU\" target=\"_blank\" rel=\"noreferrer noopener\">Um v\u00eddeo de vis\u00e3o geral da SCA<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading\">O que isso significa para voc\u00ea?<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Se a conta banc\u00e1ria que voc\u00ea usa para seu neg\u00f3cio on-line estiver sediada no EEE e seus clientes tamb\u00e9m estiverem sediados na Europa, voc\u00ea precisar\u00e1 estar em conformidade com esses novos padr\u00f5es de seguran\u00e7a da SCA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este trecho do guia da Braintree sobre conformidade com a SCA explica claramente quem ser\u00e1 afetado por essa mudan\u00e7a:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\"A SCA ser\u00e1 exigida em transa\u00e7\u00f5es com cart\u00e3o nas quais tanto o banco adquirente do comerciante quanto o banco emissor do cart\u00e3o de d\u00e9bito ou cr\u00e9dito do comprador estejam localizados no Espa\u00e7o Econ\u00f4mico Europeu (EEE). Os pa\u00edses\/regi\u00f5es afetados incluem: \u00c1ustria, B\u00e9lgica, Bulg\u00e1ria, Cro\u00e1cia, Rep\u00fablica de Chipre, Rep\u00fablica Tcheca, Dinamarca, Est\u00f4nia, Finl\u00e2ndia, Fran\u00e7a, Alemanha, Gr\u00e9cia, Hungria, Isl\u00e2ndia, Irlanda, It\u00e1lia, Let\u00f4nia, Liechtenstein, Litu\u00e2nia, Luxemburgo, Malta, Holanda, Noruega, Pol\u00f4nia, Portugal, Rom\u00eania, Eslov\u00e1quia, Eslov\u00eania, Espanha, Su\u00e9cia e Reino Unido (incluindo Gibraltar, Guernsey, Jersey e a Ilha de Man).\"<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TL;DR: Se sua empresa e seus clientes est\u00e3o na Europa e no Reino Unido, a SCA se aplica a voc\u00ea.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading\">\u00a0Como a SCA afeta os diferentes provedores de pagamento<\/h5>\n\n\n\n<h6 class=\"wp-block-heading\">Stripe e Braintree<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">O Stripe e o Braintree contar\u00e3o com o 3D Secure 2.0 para fornecer autentica\u00e7\u00e3o. O 3D Secure normalmente adiciona uma etapa extra ap\u00f3s o checkout, em que o titular do cart\u00e3o \u00e9 solicitado pelo banco a fornecer informa\u00e7\u00f5es adicionais para concluir um pagamento (como um c\u00f3digo \u00fanico enviado para o telefone ou autentica\u00e7\u00e3o de impress\u00e3o digital por meio do aplicativo banc\u00e1rio m\u00f3vel). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Em setembro de 2019, o MemberMouse adicionou suporte para Stripe Elements e Braintree Hosted Fields, que est\u00e3o prontos para SCA e usam 3D Secure 2.0. A partir de janeiro de 2021, eles ser\u00e3o ativados por padr\u00e3o no MemberMouse v2.4.0+<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h6 class=\"wp-block-heading\">PayPal<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">O MemberMouse usa a integra\u00e7\u00e3o hospedada pelo PayPal, o que significa que seus clientes s\u00e3o automaticamente direcionados do seu site para o PayPal quando estiverem prontos para pagar. E como o PayPal hospeda o processo de pagamento, o PayPal aumentar\u00e1 o fluxo de usu\u00e1rio \"Pagar com o PayPal\" para lidar com os novos requisitos de autentica\u00e7\u00e3o forte do cliente. N\u00e3o ser\u00e1 necess\u00e1rio nenhum trabalho por parte dos comerciantes.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h6 class=\"wp-block-heading\">Authorize.net (CIM)<\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">A solu\u00e7\u00e3o de pagamento Authorize.net est\u00e1 dispon\u00edvel somente para empresas localizadas fisicamente nos Estados Unidos ou no Canad\u00e1. Atualmente, as regulamenta\u00e7\u00f5es da SCA se aplicam somente a empresas europeias com clientes europeus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por esse motivo, a Authorize.net est\u00e1 fora do escopo dos regulamentos da SCA e n\u00e3o foi atualizada para fins de conformidade. A Authorize.net est\u00e1 conectada a outra solu\u00e7\u00e3o chamada Cybersource, que \u00e9 o provedor de servi\u00e7os de pagamento recomendado para empresas sediadas na Europa.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O MemberMouse n\u00e3o se integra \u00e0 Cybersource. Continuaremos a oferecer suporte \u00e0 nossa integra\u00e7\u00e3o com a Authorize.net como est\u00e1. No entanto, se voc\u00ea estiver localizado no EEE e usar o Authorize.net (CIM), recomendamos que avalie outras op\u00e7\u00f5es de provedor de pagamento, como o Stripe.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading\">O que fizemos para ajud\u00e1-lo a se preparar para a SCA<\/h5>\n\n\n\n<h4 class=\"wp-block-heading\">&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Em setembro de 2019, lan\u00e7amos\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/membermouse.com\/pt\/atualizacoes\/lancamento-da-versao-2-3-0-do-membermouse\/\" target=\"_blank\">MemberMouse vers\u00e3o 2.3.0<\/a>\u00a0que inclui suporte para Stripe Elements e Braintree Hosted Fields. Eles est\u00e3o prontos para SCA e usam o 3D Secure 2.0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para comerciantes localizados no Espa\u00e7o Econ\u00f4mico Europeu (EEE), a ativa\u00e7\u00e3o desse recurso permitir\u00e1 que voc\u00ea cumpra o requisito de Autentica\u00e7\u00e3o Forte do Cliente da Diretiva de Servi\u00e7os de Pagamento Revisada (PSD2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quando os Stripe Elements ou Braintree Hosted Fields estiverem ativados, o cliente poder\u00e1 ser solicitado a concluir uma etapa extra no checkout, na qual o banco solicitar\u00e1 que ele forne\u00e7a informa\u00e7\u00f5es adicionais (por exemplo, um c\u00f3digo \u00fanico enviado para o telefone) antes que o pagamento seja processado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ent\u00e3o, em outubro de 2019, lan\u00e7amos\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/membermouse.com\/pt\/atualizacoes\/membermouse-versao-2-3-1\/\" target=\"_blank\">MemberMouse vers\u00e3o 2.3.1<\/a>\u00a0que incluiu aprimoramentos no estilo do checkout do Stripe Elements; funcionalidade para o checkout do Braintree 3DSecure; e uma revis\u00e3o de ambos os gateways de pagamento da SCA para garantir que a conformidade com a PCI seja mantida em todas as situa\u00e7\u00f5es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Essas atualiza\u00e7\u00f5es possibilitaram que voc\u00ea estivesse em conformidade com a SCA quando ela entrou em vigor originalmente, em setembro de 2019.\u00a0<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Voc\u00ea se lembra das normas de autentica\u00e7\u00e3o forte do cliente (SCA)? Com base em tudo o que aconteceu em 2020, seria compreens\u00edvel se voc\u00ea n\u00e3o se lembrasse. Tecnicamente, essas normas entraram em vigor em setembro...<\/p>","protected":false},"author":20918,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_strive_editorial_status":"not-started","_strive_copy_of":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"ht-kb-category":[201],"ht-kb-tag":[],"class_list":["post-8314","ht_kb","type-ht_kb","status-publish","format-standard","hentry","ht_kb_category-sca"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Remember the Strong Customer Authentication (SCA) regulations? Based on everything that has happened in 2020, it\u2019d be understandable if you didn\u2019t. These regulations technically went into effect back in September of 2019 but the deadline was pushed and they are finally about to be enforced across Europe. 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