{"id":10290,"date":"2025-08-06T17:40:13","date_gmt":"2025-08-06T15:40:13","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/sca-o-autenticacion-reforzada\/"},"modified":"2026-01-22T09:10:01","modified_gmt":"2026-01-22T08:10:01","slug":"sca-o-autenticacion-reforzada","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/sca-o-autenticacion-reforzada\/","title":{"rendered":"SCA"},"content":{"rendered":"

<\/span>O que \u00e9 a Autentica\u00e7\u00e3o Refor\u00e7ada (SCA)?<\/strong><\/span><\/h2>\n

A SCA \u2013 Strong Customer Authentication<\/strong> ou autentica\u00e7\u00e3o refor\u00e7ada \u00e9 um dos pontos mais importantes introduzidos pela normativa PSD2<\/strong>, criada para garantir a seguran\u00e7a dos pagamentos digitais realizados pelos clientes de um neg\u00f3cio online.<\/p>\n

O seu principal objetivo \u00e9 verificar a identidade do cliente durante uma opera\u00e7\u00e3o online, assegurando que quem faz o pagamento \u00e9 realmente o titular da conta ou do cart\u00e3o utilizado.<\/p>\n

<\/span>Como funciona a autentica\u00e7\u00e3o refor\u00e7ada?<\/strong><\/span><\/h2>\n

A autentica\u00e7\u00e3o refor\u00e7ada \u00e9 obrigat\u00f3ria tanto para institui\u00e7\u00f5es financeiras como para TPPs (Third Party Providers)<\/strong>, que tamb\u00e9m devem cumprir estas diretrizes.
O sistema verifica a autenticidade do cliente utilizando pelo menos 2 dos 3 fatores seguintes<\/strong>:<\/p>\n

    \n
  • \n

    Algo que sabe<\/strong> (como um PIN ou palavra-passe)<\/p>\n<\/li>\n

  • \n

    Algo que possui<\/strong> (o telem\u00f3vel ou outro dispositivo eletr\u00f3nico)<\/p>\n<\/li>\n

  • \n

    Algo que \u00e9<\/strong> (impress\u00e3o digital ou reconhecimento facial)<\/p>\n<\/li>\n<\/ul>\n

    Com a combina\u00e7\u00e3o destes elementos, a SCA reduz drasticamente as tentativas de fraude e aumenta a confian\u00e7a dos consumidores no com\u00e9rcio digital.<\/p>\n

    \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

    O que \u00e9 a Autentica\u00e7\u00e3o Refor\u00e7ada?<\/p>\n

    A SCA (Strong Customer Authentication) \u00e9 um dos pontos mais importantes da normativa PSD2.<\/p>\n","protected":false},"featured_media":9384,"template":"","meta":{"_acf_changed":false},"class_list":["post-10290","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nSCA - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descobre o que \u00e9 a SCA ou Autentica\u00e7\u00e3o Forte do Cliente (SCA) e a sua import\u00e2ncia para a seguran\u00e7a das transa\u00e7\u00f5es online.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/sca-o-autenticacion-reforzada\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SCA - PaynoPain\" \/>\n<meta property=\"og:description\" content=\"Descobre o que \u00e9 a SCA ou Autentica\u00e7\u00e3o Forte do Cliente (SCA) e a sua import\u00e2ncia para a seguran\u00e7a das transa\u00e7\u00f5es online.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/pt-pt\/glossario\/sca-o-autenticacion-reforzada\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-22T08:10:01+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/pt-pt\\\/glossario\\\/sca-o-autenticacion-reforzada\\\/\",\"url\":\"https:\\\/\\\/paynopain.com\\\/pt-pt\\\/glossario\\\/sca-o-autenticacion-reforzada\\\/\",\"name\":\"SCA - 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