{"id":10351,"date":"2025-08-06T17:36:03","date_gmt":"2025-08-06T15:36:03","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/card-not-present-cnp\/"},"modified":"2026-01-20T16:11:07","modified_gmt":"2026-01-20T15:11:07","slug":"card-not-present-cnp","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/card-not-present-cnp\/","title":{"rendered":"Card Not Present (CNP)"},"content":{"rendered":"<h2 data-start=\"1852\" data-end=\"1897\"><span class=\"ez-toc-section\" id=\"O_que_significa_Card_Not_Present_CNP\"><\/span>O que significa Card Not Present (CNP)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1898\" data-end=\"2059\"><strong>Card Not Present (CNP), ou \u201ccart\u00e3o n\u00e3o presente\u201d<\/strong>, refere-se a transa\u00e7\u00f5es de pagamento em que o <strong>titular do cart\u00e3o n\u00e3o se encontra fisicamente<\/strong> no ponto de venda.<\/p>\n<p data-start=\"2061\" data-end=\"2217\">Nas transa\u00e7\u00f5es CNP n\u00e3o \u00e9 poss\u00edvel deslizar, inserir ou aproximar fisicamente o cart\u00e3o, pelo que a verifica\u00e7\u00e3o depende dos dados fornecidos pelo comprador.<\/p>\n<h2 data-start=\"2219\" data-end=\"2259\"><span class=\"ez-toc-section\" id=\"Caracteristicas_das_transacoes_CNP\"><\/span>Caracter\u00edsticas das transa\u00e7\u00f5es CNP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"2260\" data-end=\"2609\">\n<li data-start=\"2260\" data-end=\"2357\">\n<p data-start=\"2262\" data-end=\"2357\">O comerciante <strong>n\u00e3o tem acesso f\u00edsico<\/strong> ao cart\u00e3o nem ao titular durante o processo de pagamento.<\/p>\n<\/li>\n<li data-start=\"2358\" data-end=\"2469\">\n<p data-start=\"2360\" data-end=\"2469\">A <a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/autenticacao\/\">autentica\u00e7\u00e3o<\/a> baseia-se nos dados fornecidos pelo titular (n\u00famero do cart\u00e3o, data de validade, CVV, etc.).<\/p>\n<\/li>\n<li data-start=\"2470\" data-end=\"2609\">\n<p data-start=\"2472\" data-end=\"2609\">\u00c9 habitual utilizar <strong>medidas adicionais de seguran\u00e7a<\/strong>, como autentica\u00e7\u00e3o forte de cliente (SCA), 3D Secure ou outros sistemas antifraude.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"2611\" data-end=\"2649\"><span class=\"ez-toc-section\" id=\"Quando_ocorre_uma_transacao_CNP\"><\/span>Quando ocorre uma transa\u00e7\u00e3o CNP?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2650\" data-end=\"2807\">Uma transa\u00e7\u00e3o \u00e9 considerada card not present quando o titular do cart\u00e3o <strong>n\u00e3o est\u00e1 fisicamente presente<\/strong> ao efetuar o pagamento. Os casos mais comuns incluem:<\/p>\n<ul data-start=\"2809\" data-end=\"3622\">\n<li data-start=\"2809\" data-end=\"2988\">\n<p data-start=\"2811\" data-end=\"2988\"><strong data-start=\"2811\" data-end=\"2830\">Compras online:<\/strong> o cliente introduz os dados do cart\u00e3o e a morada de fatura\u00e7\u00e3o num website ou <a href=\"https:\/\/paynopain.com\/pt-pt\/solucao\/pay-by-link\/\">link de pagamento<\/a>, escolhendo receber a encomenda em casa ou levantar na loja.<\/p>\n<\/li>\n<li data-start=\"2989\" data-end=\"3112\">\n<p data-start=\"2991\" data-end=\"3112\"><strong data-start=\"2991\" data-end=\"3019\">Encomendas por telefone:<\/strong> o cliente fornece os dados do cart\u00e3o e da morada a um vendedor para processar o pagamento.<\/p>\n<\/li>\n<li data-start=\"3113\" data-end=\"3243\">\n<p data-start=\"3115\" data-end=\"3243\"><strong data-start=\"3115\" data-end=\"3150\">Pagamentos com cart\u00e3o guardado:<\/strong> utilizam-se m\u00e9todos de pagamento previamente armazenados e aprovados para compras futuras.<\/p>\n<\/li>\n<li data-start=\"3244\" data-end=\"3374\">\n<p data-start=\"3246\" data-end=\"3374\"><strong data-start=\"3246\" data-end=\"3273\">Encomendas por correio:<\/strong> o cliente envia um formul\u00e1rio f\u00edsico com os dados de fatura\u00e7\u00e3o para adquirir produtos ou servi\u00e7os.<\/p>\n<\/li>\n<li data-start=\"3375\" data-end=\"3512\">\n<p data-start=\"3377\" data-end=\"3512\"><strong data-start=\"3377\" data-end=\"3419\">Pagamentos recorrentes ou <a href=\"https:\/\/paynopain.com\/pt-pt\/solucao\/pagamentos-recorrente\/\">subscri\u00e7\u00f5es<\/a>:<\/strong> pagamentos autom\u00e1ticos em intervalos regulares utilizando a informa\u00e7\u00e3o do cart\u00e3o guardado.<\/p>\n<\/li>\n<li data-start=\"3513\" data-end=\"3622\">\n<p data-start=\"3515\" data-end=\"3622\"><strong data-start=\"3515\" data-end=\"3547\">Pagamento de faturas online:<\/strong> o cliente paga uma fatura atrav\u00e9s de uma <a href=\"https:\/\/paynopain.com\/pt-pt\/\">gateway de pagamento online<\/a>.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 uma transa\u00e7\u00e3o CNP ou card not present?<br \/>\nUma transa\u00e7\u00e3o CNP ocorre quando nem o titular nem o cart\u00e3o f\u00edsico est\u00e3o presentes no momento da transa\u00e7\u00e3o.<\/p>\n","protected":false},"featured_media":8438,"template":"","meta":{"_acf_changed":false},"class_list":["post-10351","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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