{"id":10265,"date":"2025-10-17T11:16:39","date_gmt":"2025-10-17T09:16:39","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/pasarela-de-pagos\/"},"modified":"2026-01-27T10:20:58","modified_gmt":"2026-01-27T09:20:58","slug":"gateway-de-plati","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/gateway-de-plati\/","title":{"rendered":"Gateway de pl\u0103\u021bi"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Ce_este_un_gateway_de_plati\"><\/span>Ce este un gateway de pl\u0103\u021bi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Un gateway de pl\u0103\u021bi este o platform\u0103 tehnologic\u0103 care permite magazinelor <a href=\"https:\/\/paynopain.com\/ro\/glosar\/ecommerce\/\"><strong>ecommerce<\/strong><\/a> <strong>s\u0103 accepte \u0219i s\u0103 proceseze pl\u0103\u021bile clien\u021bilor \u00eentr-un mod sigur \u0219i eficient<\/strong>. Func\u021bia sa principal\u0103 este de a facilita pl\u0103\u021bile online, ac\u021bion\u00e2nd ca intermediar \u00eentre comerciant, client, procesatorul de pl\u0103\u021bi \u0219i institu\u021biile bancare implicate.<\/p>\n<p>Gateway-ul de plat\u0103 este responsabil de transmiterea \u00een siguran\u021b\u0103 a informa\u021biilor tranzac\u021biei, fie \u00een cazul pl\u0103\u021bilor fizice (de exemplu, prin intermediul unui POS fizic), fie \u00een cazul pl\u0103\u021bilor online (prin servicii digitale \u0219i API-uri). Orice afacere online are nevoie de un gateway de plat\u0103 pentru a primi pl\u0103\u021bi, a proteja datele sensibile \u0219i a garanta securitatea opera\u021biunilor.<\/p>\n<p>\u00cen plus, acesta permite stocarea securizat\u0103 a informa\u021biilor confiden\u021biale, cum ar fi datele cardului bancar, respect\u00e2nd standardul de securitate <a href=\"https:\/\/paynopain.com\/ro\/glosar\/pci-dss\/\"><strong>PCI DSS<\/strong><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cum_functioneaza_un_gateway_de_plati\"><\/span>Cum func\u021bioneaz\u0103 un gateway de pl\u0103\u021bi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Procesul general al unui gateway de plat\u0103 online se desf\u0103\u0219oar\u0103 \u00een urm\u0103toarele etape:<\/p>\n<ul>\n<li>\n<h3>Ini\u021bierea pl\u0103\u021bii \u0219i transmiterea datelor<\/h3>\n<\/li>\n<\/ul>\n<p>C\u00e2nd clientul finalizeaz\u0103 procesul de cump\u0103rare \u00eentr-un magazin ecommerce, site-ul \u00eel redirec\u021bioneaz\u0103 c\u0103tre gateway-ul de plat\u0103. Acolo, acesta introduce datele bancare sau ale cardului, care sunt <strong>criptate automat<\/strong> pentru a asigura o conexiune sigur\u0103.<\/p>\n<ul>\n<li>\n<h3>Verificarea de c\u0103tre banca emitent\u0103<\/h3>\n<\/li>\n<\/ul>\n<p>Banca emitent\u0103 a cardului verific\u0103 dac\u0103 contul clientului dispune de <strong>sold sau credit suficient<\/strong> \u0219i valideaz\u0103 datele tranzac\u021biei.<\/p>\n<ul>\n<li>\n<h3>Autorizarea \u0219i comunicarea cu comerciantul<\/h3>\n<\/li>\n<\/ul>\n<p>Dup\u0103 verificarea tranzac\u021biei, procesatorul de pl\u0103\u021bi comunic\u0103 cu <strong>banca achizitoare<\/strong> a comerciantului. Dac\u0103 opera\u021biunea este autorizat\u0103, achizitorul procedeaz\u0103 la <strong>decontarea sumei<\/strong> \u00een contul v\u00e2nz\u0103torului.<\/p>\n<ul>\n<li>\n<h3>Confirmarea tranzac\u021biei<\/h3>\n<\/li>\n<\/ul>\n<p>\u00cen final, clientul prime\u0219te o <strong>notificare de confirmare<\/strong> care indic\u0103 faptul c\u0103 tranzac\u021bia a fost realizat\u0103 cu succes.<\/p>\n<p>\u00cen cazul \u00een care tranzac\u021bia este respins\u0103, comerciantul poate oferi clientului posibilitatea de a selecta o <a href=\"https:\/\/paynopain.com\/ro\/glosar\/metod-de-plata-alternativ\/\"><strong>metod\u0103 de plat\u0103 alternativ\u0103<\/strong><\/a>. Respingerea poate fi cauzat\u0103 de diferi\u021bi factori, cum ar fi erori de re\u021bea, limite stabilite anterior pentru comerciant sau probleme legate de institu\u021bia bancar\u0103.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Contractarea_unui_gateway_de_plati\"><\/span>Contractarea unui gateway de pl\u0103\u021bi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dac\u0103 dori\u021bi s\u0103 descoperi\u021bi toate aspectele de care trebuie s\u0103 \u021bine\u021bi cont atunci c\u00e2nd alege\u021bi un gateway de plat\u0103 pentru afacerea dumneavoastr\u0103, v\u0103 l\u0103s\u0103m c\u00e2teva articole care v-ar putea fi utile:<\/p>\n<ul>\n<li data-start=\"7204\" data-end=\"7356\"><a href=\"https:\/\/paynopain.com\/ro\/blog\/cum-sa-alegi-cel-mai-bun-procesator-de-plati-online\/\"><strong data-start=\"7204\" data-end=\"7289\">Cum s\u0103 alegi cel mai bun gateway de pl\u0103\u021bi sau POS virtual pentru ecommerce-ul t\u0103u<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ce este un gateway de pl\u0103\u021bi?<\/p>\n<p>Un gateway de pl\u0103\u021bi este o platform\u0103 care permite magazinelor online s\u0103 accepte pl\u0103\u021bi de la clien\u021bi \u00eentr-un mod sigur, eficient \u0219i comod.<\/p>\n","protected":false},"featured_media":9075,"template":"","meta":{"_acf_changed":false},"class_list":["post-10265","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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