{"id":17375,"date":"2026-07-22T13:33:41","date_gmt":"2026-07-22T11:33:41","guid":{"rendered":"https:\/\/paynopain.com\/?post_type=glosario&#038;p=17375"},"modified":"2026-07-22T13:34:40","modified_gmt":"2026-07-22T11:34:40","slug":"retele-de-carduri","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/retele-de-carduri\/","title":{"rendered":"Re\u021belele de carduri"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Ce_sunt_retelele_de_carduri\"><\/span><b>Ce sunt re\u021belele de carduri?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Re\u021belele de carduri <\/b><span style=\"font-weight: 400;\">sunt sistemele care permit autorizarea, procesarea \u0219i finalizarea unei <\/span><a href=\"https:\/\/paynopain.com\/ro\/glosar\/tranzactie\/\"><span style=\"font-weight: 400;\">tranzac\u021bii<\/span><\/a><span style=\"font-weight: 400;\"> efectuate cu un card de credit sau de debit \u00eentre de\u021bin\u0103torul cardului, comerciant \u0219i institu\u021biile bancare implicate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen cadrul unei opera\u021biuni de plat\u0103, fie c\u0103 are loc printr-un <\/span><b>terminal de plat\u0103 fizic (POS),<\/b><span style=\"font-weight: 400;\"> un <\/span><b>terminal virtual sau o <\/b><a href=\"https:\/\/paynopain.com\/ro\/\"><b>platform\u0103 de pl\u0103\u021bi online<\/b><\/a><span style=\"font-weight: 400;\">, aceste re\u021bele ac\u021bioneaz\u0103 ca intermediari care coordoneaz\u0103 comunicarea dintre <\/span><a href=\"https:\/\/paynopain.com\/ro\/glosar\/banca-emitenta\/\"><span style=\"font-weight: 400;\">banca emitent\u0103<\/span><\/a><span style=\"font-weight: 400;\"> a cardului clientului \u0219i <\/span><a href=\"https:\/\/paynopain.com\/ro\/glosar\/banca-acceptanta\/\"><span style=\"font-weight: 400;\">banca acceptatoare<\/span><\/a><span style=\"font-weight: 400;\"> (acquiring bank) a comerciantului pentru a gestiona pl\u0103\u021bile cu cardul rapid \u0219i \u00een siguran\u021b\u0103.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipuri_de_retele_de_carduri\"><\/span><b>Tipuri de re\u021bele de carduri<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>Re\u021bele deschise<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Re\u021belele deschise permit altor institu\u021bii financiare s\u0103 emit\u0103 carduri sub marca lor. Aceste re\u021bele func\u021bioneaz\u0103 exclusiv ca infrastructur\u0103 de procesare, l\u0103s\u00e2nd emiterea cardurilor \u00een sarcina unor ter\u021be p\u0103r\u021bi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cele mai importante dou\u0103 re\u021bele deschise la nivel mondial sunt <\/span><b>Visa \u0219i Mastercard<\/b><span style=\"font-weight: 400;\">, iar <\/span><a href=\"https:\/\/paynopain.com\/ro\/blog\/paynopain-devine-membru-principal-visa-si-mastercard\/\"><b>PaynoPain este membru principal<\/b><\/a><span style=\"font-weight: 400;\"> al ambelor, ceea ce ne ofer\u0103 mai mult\u0103 autonomie, ne consolideaz\u0103 brandul \u0219i ne \u00eent\u0103re\u0219te competitivitatea \u00een ecosistemul global al pl\u0103\u021bilor.<\/span><\/p>\n<h3><b>Re\u021bele \u00eenchise<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen cadrul re\u021belelor \u00eenchise, aceea\u0219i companie care furnizeaz\u0103 re\u021beaua emite direct cardurile c\u0103tre clien\u021bi \u0219i, \u00een multe cazuri, ac\u021bioneaz\u0103 \u0219i ca banc\u0103 acceptatoare. Acest lucru \u00eenseamn\u0103 c\u0103 re\u021beaua gestioneaz\u0103 at\u00e2t <\/span><b>emiterea cardurilor<\/b><span style=\"font-weight: 400;\">, c\u00e2t \u0219i procesarea pl\u0103\u021bilor, a\u0219a cum se \u00eent\u00e2mpl\u0103 \u00een cazul <\/span><b>American Express.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cum_functioneaza_retelele_de_carduri_intr-o_tranzactie\"><\/span><b>Cum func\u021bioneaz\u0103 re\u021belele de carduri \u00eentr-o tranzac\u021bie?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>\n<h3><b>Ini\u021bierea pl\u0103\u021bii<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Clientul utilizeaz\u0103 cardul la punctul de v\u00e2nzare fizic sau \u00een pagina de <\/span><a href=\"https:\/\/paynopain.com\/ro\/glosar\/checkout\/\"><span style=\"font-weight: 400;\">checkout<\/span><\/a><span style=\"font-weight: 400;\"> a unei platforme de pl\u0103\u021bi online, fie introduc\u00e2nd datele cardului, trec\u00e2nd banda magnetic\u0103, introduc\u00e2nd cardul cu cip EMV sau efectu\u00e2nd o plat\u0103 contactless.<\/span><\/p>\n<ul>\n<li>\n<h3><b>Conectarea la re\u021bea<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><a href=\"https:\/\/paynopain.com\/ro\/glosar\/gateway-de-plati\/\"><span style=\"font-weight: 400;\">Platforma de pl\u0103\u021bi<\/span><\/a><span style=\"font-weight: 400;\"> transmite solicitarea c\u0103tre <\/span><b>procesatorul de pl\u0103\u021bi<\/b><span style=\"font-weight: 400;\">, care la r\u00e2ndul s\u0103u contacteaz\u0103 <\/span><b>re\u021beaua de carduri<\/b><span style=\"font-weight: 400;\"> pentru a solicita autorizarea tranzac\u021biei.<\/span><\/p>\n<ul>\n<li>\n<h3><b>Autorizarea<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Re\u021beaua de carduri verific\u0103 dac\u0103 tranzac\u021bia poate fi aprobat\u0103. Dac\u0103 re\u021beaua este \u0219i emitentul cardului, aceasta ia direct decizia de autorizare. \u00cen caz contrar, re\u021beaua comunic\u0103 cu banca emitent\u0103 pentru a ob\u021bine aprobarea.<\/span><\/p>\n<ul>\n<li>\n<h3><b>R\u0103spunsul c\u0103tre comerciant<\/b><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Re\u021beaua transmite comerciantului, \u00een c\u00e2teva secunde, r\u0103spunsul de aprobare sau respingere a tranzac\u021biei.<\/span><\/p>\n<p><br style=\"font-weight: 400;\" \/><img decoding=\"async\" class=\"alignnone wp-image-17376\" src=\"https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/flux\u2013tranzactii\u2013retele\u2013card-300x200.png\" alt=\"Cum func\u021bioneaz\u0103 re\u021belele de carduri \u00eentr-o tranzac\u021bie?\" width=\"750\" height=\"500\" srcset=\"https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/flux\u2013tranzactii\u2013retele\u2013card-300x200.png 300w, https:\/\/paynopain.com\/wp-content\/uploads\/2026\/07\/flux\u2013tranzactii\u2013retele\u2013card.png 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce sunt re\u021belele de carduri? Re\u021belele de carduri sunt sistemele care permit autorizarea, procesarea \u0219i finalizarea unei tranzac\u021bii efectuate cu un card de credit sau de debit \u00eentre de\u021bin\u0103torul cardului, comerciant \u0219i institu\u021biile bancare implicate. \u00cen cadrul unei opera\u021biuni de plat\u0103, fie c\u0103 are loc printr-un terminal de plat\u0103 fizic (POS), un terminal virtual sau [&hellip;]<\/p>\n","protected":false},"featured_media":17565,"template":"","meta":{"_acf_changed":false},"class_list":["post-17375","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>Ce sunt re\u021belele de carduri \u0219i cum func\u021bioneaz\u0103? | PaynoPain<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 ce sunt re\u021belele de carduri, diferen\u021bele dintre re\u021belele deschise \u0219i \u00eenchise (precum Visa, Mastercard sau Amex) \u0219i cum proceseaz\u0103 pl\u0103\u021bile pas cu pas.\" \/>\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\/ro\/glosar\/retele-de-carduri\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce sunt re\u021belele de carduri \u0219i cum func\u021bioneaz\u0103? 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