{"id":10340,"date":"2025-08-06T17:36:50","date_gmt":"2025-08-06T15:36:50","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/chargeback\/"},"modified":"2026-01-20T17:13:01","modified_gmt":"2026-01-20T16:13:01","slug":"chargeback","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/chargeback\/","title":{"rendered":"Chargeback"},"content":{"rendered":"<h2 data-start=\"2172\" data-end=\"2200\"><span class=\"ez-toc-section\" id=\"O_que_e_um_chargeback\"><\/span>O que \u00e9 um chargeback?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2201\" data-end=\"2437\">Os chargebacks, ou <strong>estornos de pagamento<\/strong>, s\u00e3o processos iniciados quando um titular de cart\u00e3o contesta uma cobran\u00e7a e solicita ao banco emissor que <strong>devolva<\/strong> o valor. O banco, por sua vez, processa a disputa com o comerciante envolvido.<\/p>\n<p data-start=\"2439\" data-end=\"2714\">O cliente pode apresentar uma reclama\u00e7\u00e3o formal \u00e0 sua institui\u00e7\u00e3o financeira, que se encarregar\u00e1 de contestar a transa\u00e7\u00e3o de pagamento. Isto geralmente leva a um reembolso imediato, pelo que todos os comerciantes devem estar preparados para lidar com este tipo de situa\u00e7\u00e3o.<\/p>\n<h2 data-start=\"2716\" data-end=\"2747\"><span class=\"ez-toc-section\" id=\"Como_surge_um_chargeback\"><\/span>Como surge um chargeback?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2748\" data-end=\"2821\">Os chargebacks podem ocorrer por diversas raz\u00f5es, sendo as mais comuns:<\/p>\n<ul data-start=\"2823\" data-end=\"3562\">\n<li data-start=\"2823\" data-end=\"2923\">\n<p data-start=\"2825\" data-end=\"2923\"><strong data-start=\"2825\" data-end=\"2858\"><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/fraude-online\/\">Fraude<\/a> ou uso n\u00e3o autorizado:<\/strong> cobran\u00e7as realizadas sem o consentimento do titular do cart\u00e3o.<\/p>\n<\/li>\n<li data-start=\"2924\" data-end=\"3026\">\n<p data-start=\"2926\" data-end=\"3026\"><strong data-start=\"2926\" data-end=\"2965\">Problemas com o produto ou servi\u00e7o:<\/strong> artigo defeituoso, diferente do anunciado ou n\u00e3o recebido.<\/p>\n<\/li>\n<li data-start=\"3027\" data-end=\"3098\">\n<p data-start=\"3029\" data-end=\"3098\"><strong data-start=\"3029\" data-end=\"3052\">Erros na transa\u00e7\u00e3o:<\/strong> cobran\u00e7as duplicadas ou valores incorretos.<\/p>\n<\/li>\n<li data-start=\"3099\" data-end=\"3189\">\n<p data-start=\"3101\" data-end=\"3189\"><strong data-start=\"3101\" data-end=\"3130\">Cobran\u00e7a n\u00e3o reconhecida:<\/strong> o cliente n\u00e3o identifica a cobran\u00e7a no extrato banc\u00e1rio.<\/p>\n<\/li>\n<li data-start=\"3190\" data-end=\"3327\">\n<p data-start=\"3192\" data-end=\"3327\"><strong data-start=\"3192\" data-end=\"3220\">Insatisfa\u00e7\u00e3o do cliente:<\/strong> o comprador opta por reclamar o valor diretamente ao banco em vez de solicitar reembolso ao comerciante.<\/p>\n<\/li>\n<li data-start=\"3328\" data-end=\"3455\">\n<p data-start=\"3330\" data-end=\"3455\"><strong data-start=\"3330\" data-end=\"3361\"><a href=\"https:\/\/paynopain.com\/pt-pt\/solucao\/pagamentos-recorrente\/\">Assinaturas<\/a> n\u00e3o canceladas:<\/strong> o cliente acredita ter cancelado um servi\u00e7o, mas continua a receber cobran\u00e7as na sua conta.<\/p>\n<\/li>\n<li data-start=\"3456\" data-end=\"3562\">\n<p data-start=\"3458\" data-end=\"3562\"><strong data-start=\"3458\" data-end=\"3488\">Devolu\u00e7\u00e3o n\u00e3o reembolsada:<\/strong> o utilizador solicitou reembolso, mas n\u00e3o recebeu o valor da transa\u00e7\u00e3o.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"3564\" data-end=\"3613\"><span class=\"ez-toc-section\" id=\"Como_os_chargebacks_afetam_os_comerciantes\"><\/span>Como os chargebacks afetam os comerciantes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"3614\" data-end=\"4185\">\n<li data-start=\"3614\" data-end=\"3694\">\n<p data-start=\"3616\" data-end=\"3694\">Geram <strong>perdas financeiras diretas<\/strong>, pois o comerciante perde o valor da venda.<\/p>\n<\/li>\n<li data-start=\"3695\" data-end=\"3781\">\n<p data-start=\"3697\" data-end=\"3781\">Normalmente implicam <strong>comiss\u00f5es adicionais<\/strong> do banco ou do <a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/fornecedor-servicos-pagamento-fsp\/\">fornecedor de pagamentos<\/a>.<\/p>\n<\/li>\n<li data-start=\"3782\" data-end=\"3892\">\n<p data-start=\"3784\" data-end=\"3892\">Um volume elevado de chargebacks pode <strong>prejudicar a reputa\u00e7\u00e3o financeira<\/strong> e afetar rela\u00e7\u00f5es com adquirentes.<\/p>\n<\/li>\n<li data-start=\"3893\" data-end=\"4004\">\n<p data-start=\"3895\" data-end=\"4004\">Existem <strong>riscos de penaliza\u00e7\u00f5es ou restri\u00e7\u00f5es<\/strong> nas contas de pagamento se forem ultrapassados certos limites.<\/p>\n<\/li>\n<li data-start=\"4005\" data-end=\"4094\">\n<p data-start=\"4007\" data-end=\"4094\">Requerem <strong>recursos administrativos<\/strong> para gerir e contestar os casos, quando necess\u00e1rio.<\/p>\n<\/li>\n<li data-start=\"4095\" data-end=\"4185\">\n<p data-start=\"4097\" data-end=\"4185\">Podem provocar <strong>perda de clientes<\/strong> devido \u00e0 falta de confian\u00e7a no processo de pagamento.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 um chargeback?<br \/>\nOs chargebacks s\u00e3o processos iniciados quando o titular de um cart\u00e3o n\u00e3o concorda com uma cobran\u00e7a e solicita ao banco emissor o reembolso, que por sua vez o gere com o comerciante envolvido.<\/p>\n","protected":false},"featured_media":8493,"template":"","meta":{"_acf_changed":false},"class_list":["post-10340","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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