{"id":10331,"date":"2025-08-06T17:37:27","date_gmt":"2025-08-06T15:37:27","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/credential-on-file-cof\/"},"modified":"2026-01-21T09:56:50","modified_gmt":"2026-01-21T08:56:50","slug":"credential-on-file-cof","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/credential-on-file-cof\/","title":{"rendered":"Credential On File (COF)"},"content":{"rendered":"<h2 data-start=\"1893\" data-end=\"2200\"><span class=\"ez-toc-section\" id=\"O_que_e_uma_operacao_Credential_On_File_COF\"><\/span><strong data-start=\"1893\" data-end=\"1943\">O que \u00e9 uma opera\u00e7\u00e3o Credential On File (COF)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1893\" data-end=\"2200\">Uma opera\u00e7\u00e3o <strong data-start=\"1959\" data-end=\"1987\">Credential On File (COF)<\/strong> \u00e9 uma <a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/transacao\/\"><strong>transa\u00e7\u00e3o<\/strong><\/a> na qual o comerciante utiliza os dados de pagamento de um cliente guardados previamente, porque o titular do cart\u00e3o autorizou expressamente o seu armazenamento e utiliza\u00e7\u00e3o para compras futuras.<\/p>\n<h2 data-start=\"2202\" data-end=\"2465\"><span class=\"ez-toc-section\" id=\"Como_funciona_uma_COF\"><\/span><strong data-start=\"2202\" data-end=\"2228\">Como funciona uma COF?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2202\" data-end=\"2465\">Os dados do cart\u00e3o (por exemplo, n\u00famero ou <a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/token\/\">token<\/a>) s\u00e3o guardados ap\u00f3s o cliente os fornecer numa transa\u00e7\u00e3o inicial. O comerciante pode reutilizar esses dados em compras subsequentes <strong>sem que o cliente tenha de os introduzir novamente<\/strong>.<\/p>\n<p data-start=\"2467\" data-end=\"2517\">Existem dois tipos principais de transa\u00e7\u00f5es COF:<\/p>\n<ul data-start=\"2518\" data-end=\"2884\">\n<li data-start=\"2518\" data-end=\"2678\">\n<p data-start=\"2520\" data-end=\"2678\"><strong data-start=\"2520\" data-end=\"2561\">CIT (Customer Initiated Transaction):<\/strong> Transa\u00e7\u00f5es <strong>iniciadas pelo titular do cart\u00e3o<\/strong>. O cliente autoriza diretamente o pagamento usando os dados guardados.<\/p>\n<\/li>\n<li data-start=\"2679\" data-end=\"2884\">\n<p data-start=\"2681\" data-end=\"2884\"><strong data-start=\"2681\" data-end=\"2722\">MIT (Merchant Initiated Transaction):<\/strong> Transa\u00e7\u00f5es <strong>iniciadas pelo comerciante<\/strong>. O comerciante processa o pagamento com base num acordo pr\u00e9vio com o cliente, como <a href=\"https:\/\/paynopain.com\/pt-pt\/solucao\/pagamentos-recorrente\/\"><strong>subscri\u00e7\u00f5es<\/strong><\/a>\u00a0ou pagamentos autom\u00e1ticos.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"2886\" data-end=\"3118\"><span class=\"ez-toc-section\" id=\"Por_que_as_transacoes_COF_sao_importantes\"><\/span><strong data-start=\"2886\" data-end=\"2932\">Por que as transa\u00e7\u00f5es COF s\u00e3o importantes?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2886\" data-end=\"3118\">Identificar corretamente as transa\u00e7\u00f5es COF \u00e9 fundamental no \u00e2mbito da <strong>regulamenta\u00e7\u00e3o <a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/psd2\/\">PSD2<\/a><\/strong>, pois, nos pagamentos iniciados pelo comerciante, o titular n\u00e3o se autentica em tempo real.<\/p>\n<p data-start=\"3120\" data-end=\"3384\">Por isso, \u00e9 necess\u00e1rio aplicar protocolos de seguran\u00e7a espec\u00edficos que garantam a prote\u00e7\u00e3o da opera\u00e7\u00e3o. Se n\u00e3o forem corretamente assinaladas como COF, as transa\u00e7\u00f5es podem ser <strong>recusadas pelo emissor<\/strong>, afetando a experi\u00eancia do cliente e a opera\u00e7\u00e3o do comerciante.<\/p>\n<p data-start=\"3386\" data-end=\"3601\">Um exemplo habitual deste tipo de transa\u00e7\u00e3o \u00e9 uma <strong>subscri\u00e7\u00f5es\u00a0mensal<\/strong> de um servi\u00e7o de streaming, na qual o comerciante guarda de forma segura os dados do cart\u00e3o para realizar os encargos autom\u00e1ticos todos os meses.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 uma opera\u00e7\u00e3o COF?<br \/>\n\u00c9 uma transa\u00e7\u00e3o em que o comerciante utiliza os dados do cart\u00e3o autorizados previamente pelo titular.<\/p>\n","protected":false},"featured_media":9074,"template":"","meta":{"_acf_changed":false},"class_list":["post-10331","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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