{"id":17370,"date":"2026-07-22T13:33:41","date_gmt":"2026-07-22T11:33:41","guid":{"rendered":"https:\/\/paynopain.com\/?post_type=glosario&#038;p=17370"},"modified":"2026-07-22T13:34:29","modified_gmt":"2026-07-22T11:34:29","slug":"redes-de-cartoes","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/redes-de-cartoes\/","title":{"rendered":"Redes de cart\u00f5es"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"O_que_sao_as_redes_de_cartoes\"><\/span><b>O que s\u00e3o as redes de cart\u00f5es?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As <\/span><b>redes de cart\u00f5es<\/b><span style=\"font-weight: 400;\"> s\u00e3o os sistemas que permitem que uma <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/transacao\/\"><span style=\"font-weight: 400;\">transa\u00e7\u00e3o<\/span><\/a><span style=\"font-weight: 400;\"> com cart\u00e3o de cr\u00e9dito ou d\u00e9bito seja autorizada, processada e conclu\u00edda entre o titular do cart\u00e3o, o comerciante e as entidades banc\u00e1rias envolvidas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Numa opera\u00e7\u00e3o de pagamento, seja atrav\u00e9s de um <\/span><b>terminal de pagamento f\u00edsico (TPA)<\/b><span style=\"font-weight: 400;\">, de um <\/span><b>terminal virtual<\/b><span style=\"font-weight: 400;\"> ou de uma <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/\"><b>gateway de pagamento<\/b> <b>online<\/b><\/a><span style=\"font-weight: 400;\">, estas redes atuam como intermedi\u00e1rias que coordenam a comunica\u00e7\u00e3o entre o <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/banco-emissor\/\"><b>banco emisso<\/b><\/a><b>r<\/b><span style=\"font-weight: 400;\"> do cart\u00e3o do cliente e o <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/banco-adquirente\/\"><b>banco adquirente<\/b><\/a><span style=\"font-weight: 400;\"> do comerciante, permitindo a gest\u00e3o de pagamentos com cart\u00e3o de forma r\u00e1pida e segura.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_redes_de_cartoes\"><\/span><b>Tipos de redes de cart\u00f5es<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Redes abertas<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As redes abertas permitem que outras institui\u00e7\u00f5es financeiras emitam cart\u00f5es sob a sua marca. Estas redes funcionam exclusivamente como infraestrutura de processamento, deixando a emiss\u00e3o dos cart\u00f5es a cargo de terceiros.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As duas redes abertas mais importantes a n\u00edvel mundial s\u00e3o a <\/span><b>Visa e a Mastercard<\/b><span style=\"font-weight: 400;\">, das quais a <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/blog\/paynopain-membro-principal-visa-e-mastercard\/\"><b>PaynoPain<\/b><span style=\"font-weight: 400;\"> \u00e9 <\/span><b>membro principal<\/b><\/a><span style=\"font-weight: 400;\">, aumentando a nossa autonomia, refor\u00e7ando a nossa marca e fortalecendo a nossa competitividade no ecossistema global de pagamentos.<\/span><\/p>\n<h3><b>Redes fechadas<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Nas redes fechadas, a mesma empresa que disponibiliza a rede tamb\u00e9m emite diretamente os cart\u00f5es aos clientes e, em muitos casos, atua igualmente como adquirente. Isto significa que a rede gere tanto a <\/span><b>emiss\u00e3o dos cart\u00f5es<\/b><span style=\"font-weight: 400;\"> como o processamento dos pagamentos, como acontece com a <\/span><b>American Express.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Como_funcionam_as_redes_de_cartoes_numa_transacao\"><\/span><b>Como funcionam as redes de cart\u00f5es numa transa\u00e7\u00e3o?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li aria-level=\"1\">\n<h3><b>In\u00edcio do pagamento<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">O cliente utiliza o seu cart\u00e3o no ponto de venda f\u00edsico ou no <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/checkout\/\"><span style=\"font-weight: 400;\">checkout<\/span><\/a><span style=\"font-weight: 400;\"> de uma gateway de pagamento online, quer introduzindo os dados do cart\u00e3o, passando a banda magn\u00e9tica, inserindo o chip EMV ou efetuando um pagamento contactless.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Liga\u00e7\u00e3o \u00e0 rede<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/gateway-de-pagamentos\/\"><span style=\"font-weight: 400;\">gateway de pagamento<\/span><\/a><span style=\"font-weight: 400;\"> transmite o pedido ao <\/span><b>processador de pagamentos,<\/b><span style=\"font-weight: 400;\"> que por sua vez contacta a <\/span><b>rede de cart\u00f5es<\/b><span style=\"font-weight: 400;\"> para solicitar a autoriza\u00e7\u00e3o da transa\u00e7\u00e3o.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Autoriza\u00e7\u00e3o<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A rede de cart\u00f5es verifica se a transa\u00e7\u00e3o pode ser aprovada. Se a pr\u00f3pria rede for tamb\u00e9m a emissora do cart\u00e3o, toma diretamente a decis\u00e3o de autoriza\u00e7\u00e3o. Caso contr\u00e1rio, a rede comunica com o banco emissor para obter a aprova\u00e7\u00e3o.<\/span><\/p>\n<ul>\n<li aria-level=\"1\">\n<h3><b>Resposta ao comerciante<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A rede transmite ao comerciante, em poucos segundos, a resposta de aprova\u00e7\u00e3o ou rejei\u00e7\u00e3o da transa\u00e7\u00e3o.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><img decoding=\"async\" class=\"alignnone wp-image-17371\" src=\"https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/fluxo-transacoes-redes-cartao-300x200.png\" alt=\"Como funcionam as redes de cart\u00f5es numa transa\u00e7\u00e3o?\" width=\"746\" height=\"497\" srcset=\"https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/fluxo-transacoes-redes-cartao-300x200.png 300w, https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/fluxo-transacoes-redes-cartao.png 750w\" sizes=\"(max-width: 746px) 100vw, 746px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O que s\u00e3o as redes de cart\u00f5es? As redes de cart\u00f5es s\u00e3o os sistemas que permitem que uma transa\u00e7\u00e3o com cart\u00e3o de cr\u00e9dito ou d\u00e9bito seja autorizada, processada e conclu\u00edda entre o titular do cart\u00e3o, o comerciante e as entidades banc\u00e1rias envolvidas. Numa opera\u00e7\u00e3o de pagamento, seja atrav\u00e9s de um terminal de pagamento f\u00edsico (TPA), [&hellip;]<\/p>\n","protected":false},"featured_media":17564,"template":"","meta":{"_acf_changed":false},"class_list":["post-17370","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O que s\u00e3o as Redes de Cart\u00f5es e como funcionam? | PaynoPain<\/title>\n<meta name=\"description\" content=\"Descubra o que s\u00e3o as redes de cart\u00f5es, as diferen\u00e7as entre redes abertas e fechadas (como Visa, Mastercard ou Amex) e como processam os pagamentos passo a passo.\" \/>\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\/redes-de-cartoes\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O que s\u00e3o as Redes de Cart\u00f5es e como funcionam? 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