{"id":1936,"date":"2021-06-08T07:40:00","date_gmt":"2021-06-08T10:40:00","guid":{"rendered":"https:\/\/arcaconsulting.com.br\/?p=1936"},"modified":"2021-06-08T07:51:38","modified_gmt":"2021-06-08T10:51:38","slug":"instituicao-de-pagamento-x-instituicao-financeira","status":"publish","type":"post","link":"https:\/\/arcaconsulting.com.br\/index.php\/2021\/06\/08\/instituicao-de-pagamento-x-instituicao-financeira\/","title":{"rendered":"Institui\u00e7\u00e3o de Pagamento X Institui\u00e7\u00e3o Financeira"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1936\" class=\"elementor elementor-1936\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b6eafee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b6eafee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-790c3b0b\" data-id=\"790c3b0b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e27f8fc elementor-widget elementor-widget-image\" data-id=\"5e27f8fc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"535\" src=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/diferenca-entre-instiuticao-financeira-1024x535.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/diferenca-entre-instiuticao-financeira-1024x535.jpg 1024w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/diferenca-entre-instiuticao-financeira-300x157.jpg 300w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/diferenca-entre-instiuticao-financeira-768x401.jpg 768w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/diferenca-entre-instiuticao-financeira.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-188e6d3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"188e6d3b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2bb61b26\" data-id=\"2bb61b26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cb0250f elementor-widget elementor-widget-heading\" data-id=\"5cb0250f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font style=\"vertical-align: inherit;\"><font style=\"vertical-align: inherit;\">Qual a Diferen\u00e7a entre INSTITUI\u00c7\u00c3O DE PAGAMENTO E INSTITUI\u00c7\u00c3O FINANCEIRA?<\/font><\/font><font style=\"vertical-align: inherit;\"><\/font><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4305c6d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4305c6d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b3f728\" data-id=\"2b3f728\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55c125b2 elementor-widget elementor-widget-text-editor\" data-id=\"55c125b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">As institui\u00e7\u00f5es de pagamento n\u00e3o podem realizar atividades de Institui\u00e7\u00f5es Financeiras.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/p><p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">A Lei 12.865, de 2013, veda, explicitamente, que institui\u00e7\u00f5es de pagamento realizem atividades privadas de Institui\u00e7\u00f5es Financeiras, como a concess\u00e3o de cr\u00e9dito e a gest\u00e3o de uma conta corrente banc\u00e1ria.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Ainda que as institui\u00e7\u00f5es de pagamento n\u00e3o se constituam institui\u00e7\u00f5es financeiras e n\u00e3o conseguem realizar essas atividades, como IPs que atuem como emissoras de cart\u00e3o p\u00f3s-pago podem formar parceria com institui\u00e7\u00f5es financeiras e oferecer a seus clientes portadores de cart\u00e3o:<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><ol><li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00a0servi\u00e7os de pagamento de saque em terminais ATM;<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/li><li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00a0parcelamento da compra realizada (parcelamento emissor); <\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">e \/ ou<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/li><li><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00a0financiamento de saldo devedor do seu cliente.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/li><\/ol><p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Nesses casos, a Institui\u00e7\u00e3o de Pagamento emissora atua apenas como intermedi\u00e1ria da opera\u00e7\u00e3o, devendo constar do contrato com o cliente permiss\u00e3o para presta\u00e7\u00e3o de servi\u00e7o pela Institui\u00e7\u00e3o Financeira parceira, por meio de cl\u00e1usula-mandato.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Como Institui\u00e7\u00f5es de Pagamento n\u00e3o s\u00e3o Institui\u00e7\u00f5es Financeiras, portanto, n\u00e3o pode enviar diretamente cart\u00f5es de d\u00e9bito, entendido como o cart\u00e3o de movimenta\u00e7\u00e3o de recursos em conta de dep\u00f3sito \u00e0 vista.\u00a0<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><br \/><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Por\u00e9m, as Institui\u00e7\u00f5es de Pagamento que atuam como emissor de moeda eletr\u00f4nica podem realizar atividade que se assemelham \u00e0 movimenta\u00e7\u00e3o de conta corrente, tais como pagamento de boleto, realiza\u00e7\u00e3o de transfer\u00eancias e compras.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">As Institui\u00e7\u00f5es de pagamento autorizadas a funcionar que principais titulares de Conta de Liquida\u00e7\u00e3o nenhum BC podem participar diretamente, para fins de liquida\u00e7\u00e3o, dos sistemas de compensa\u00e7\u00e3o e liquida\u00e7\u00e3o de ordens interbanc\u00e1rias de transfer\u00eancia de fundos, incluindo, nesse caso, a prestadora de servi\u00e7o de compensa\u00e7\u00e3o e liquida\u00e7\u00e3o, no \u00e2mbito dos acordos de pagamento (CIP).<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p><p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">A ARCA Consulting<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> com sua equipe especializada, est\u00e1 uma disposi\u00e7\u00e3o para esclarecer as d\u00favidas sobre o planejamento estrat\u00e9gico e fiscal, constitui\u00e7\u00e3o de IPs para outros temas, consulte um a ARCA.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5f2dff elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b5f2dff\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/contato\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">FALE COM UM ESPECIALISTA<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9a1f0b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9a1f0b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4578a9e1\" data-id=\"4578a9e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11b13a23 elementor-widget elementor-widget-text-editor\" data-id=\"11b13a23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Fonte: Banco Central do Brasil &#8211; Dispon\u00edvel em: https:\/\/www.bcb.gov.br\/. <\/span><span style=\"vertical-align: inherit;\">Acesso em 08\/06\/2021<\/span><\/span><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cddd24a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cddd24a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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elementor-element-213d1915\" data-id=\"213d1915\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-592c6a9d elementor-widget elementor-widget-text-editor\" data-id=\"592c6a9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Arca Consulting \u00ae. Desenvolvido por: Martha Naves\u00a0 &#8211; 2021<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Qual a Diferen\u00e7a entre INSTITUI\u00c7\u00c3O DE PAGAMENTO E INSTITUI\u00c7\u00c3O FINANCEIRA? As institui\u00e7\u00f5es de pagamento n\u00e3o podem realizar atividades de Institui\u00e7\u00f5es Financeiras. A Lei 12.865, de 2013, veda, explicitamente, que institui\u00e7\u00f5es de pagamento realizem atividades privadas de Institui\u00e7\u00f5es Financeiras, como a concess\u00e3o de cr\u00e9dito e a gest\u00e3o de uma conta corrente banc\u00e1ria. Ainda que as institui\u00e7\u00f5es&hellip;&nbsp;<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/2021\/06\/08\/instituicao-de-pagamento-x-instituicao-financeira\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Institui\u00e7\u00e3o de Pagamento X Institui\u00e7\u00e3o Financeira<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1936","post","type-post","status-publish","format-standard","hentry","category-noticias"],"yoast_head":"<!-- This site is optimized 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