{"id":2059,"date":"2021-06-18T07:00:08","date_gmt":"2021-06-18T10:00:08","guid":{"rendered":"https:\/\/arcaconsulting.com.br\/?p=2059"},"modified":"2021-06-18T07:28:02","modified_gmt":"2021-06-18T10:28:02","slug":"diferenca-entre-uma-conta-bancaria-e-uma-conta-de-pagamento","status":"publish","type":"post","link":"https:\/\/arcaconsulting.com.br\/index.php\/2021\/06\/18\/diferenca-entre-uma-conta-bancaria-e-uma-conta-de-pagamento\/","title":{"rendered":"Diferen\u00e7a entre uma Conta Banc\u00e1ria e uma Conta de Pagamento"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2059\" class=\"elementor elementor-2059\" 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-35f7034e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35f7034e\" 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-2f2f551e\" data-id=\"2f2f551e\" 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-1e17dda7 elementor-widget elementor-widget-image\" data-id=\"1e17dda7\" 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\/DIFERENCAS-ENTRE-CONTA-BANCARIA-E-CONTAS-DE-PAGAMENTO-1024x535.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/DIFERENCAS-ENTRE-CONTA-BANCARIA-E-CONTAS-DE-PAGAMENTO-1024x535.jpg 1024w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/DIFERENCAS-ENTRE-CONTA-BANCARIA-E-CONTAS-DE-PAGAMENTO-300x157.jpg 300w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/DIFERENCAS-ENTRE-CONTA-BANCARIA-E-CONTAS-DE-PAGAMENTO-768x401.jpg 768w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/06\/DIFERENCAS-ENTRE-CONTA-BANCARIA-E-CONTAS-DE-PAGAMENTO.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-b710c3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b710c3c\" 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-9472917\" data-id=\"9472917\" 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-732ce672 elementor-widget elementor-widget-heading\" data-id=\"732ce672\" 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\">Diferen\u00e7a entre uma Conta Banc\u00e1ria e uma Conta de Pagamento<\/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-911a731 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"911a731\" 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-2433cf0a\" data-id=\"2433cf0a\" 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-753e93a4 elementor-widget elementor-widget-text-editor\" data-id=\"753e93a4\" 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;\"><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;\">Tanto as contas de pagamento quanto as contas banc\u00e1rias (contas de dep\u00f3sitos \u00e0 vista) possibilitam a realiza\u00e7\u00e3o de pagamentos e transfer\u00eancia de recursos entre contas mantidas na pr\u00f3pria institui\u00e7\u00e3o e entre contas mantidas em institui\u00e7\u00f5es distintas. <\/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;\">Como transa\u00e7\u00f5es liquidadas nas contas de pagamento, ou seja, \u00e9 necess\u00e1rio o pr\u00e9vio aporte ou dep\u00f3sito de recursos nas contas para movimenta\u00e7\u00e3o.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">Contudo, as contas banc\u00e1rias s\u00e3o mantidas somente em institui\u00e7\u00f5es financeiras banc\u00e1rias. <\/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;\">Os recursos depositados nessas contas podem ser utilizados pela institui\u00e7\u00e3o em opera\u00e7\u00f5es de intermedia\u00e7\u00e3o financeira, ou seja, podem ser utilizados em opera\u00e7\u00f5es de cr\u00e9dito (empr\u00e9stimos e financiamentos) ou aplica\u00e7\u00f5es financeiras. <\/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;\">Os recursos depositados nessas contas s\u00e3o protegidos pelo <\/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;\">FGC (Fundo Garantidor de Cr\u00e9ditos<\/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;\"> que \u00e9 uma associa\u00e7\u00e3o civil sem fins lucrativos que tem por finalidades proteger os depositantes e investidores das institui\u00e7\u00f5es associadas, e contribuir para a manuten\u00e7\u00e3o da estabilidade do Sistema Financeiro Nacional e para a preven\u00e7\u00e3o de crise banc\u00e1ria banc\u00e1ria banc\u00e1ria sist\u00eamica), que garantia os cr\u00e9ditos relativos \u00e0s contas de dep\u00f3sitos e investimentos de cada cliente, por institui\u00e7\u00e3o financeira ou conglomerado financeiro, at\u00e9 o valor de R $ 250 mil.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">As contas de pagamento s\u00e3o mantidas em institui\u00e7\u00f5es de pagamento ou em institui\u00e7\u00f5es. <\/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;\">Os recursos coletivos em contas de pagamento n\u00e3o podem ser utilizados em opera\u00e7\u00f5es de intermedia\u00e7\u00e3o financeira, a exemplo das opera\u00e7\u00f5es de cr\u00e9dito.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">Embora n\u00e3o sejam protegidos pelo FGC, os recursos recolhidos em conta de pagamento s\u00e3o protegidos pela Lei 12.865, de 2013, e n\u00e3o se confundem com o patrim\u00f4nio da institui\u00e7\u00e3o de pagamento ou da institui\u00e7\u00e3o financeira detentora da conta, em caso de fal\u00eancia ou liquida\u00e7\u00e3o judicial ou extrajudicial.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">Por fim, os saldos das contas de pagamento devem ser recolhidos ao Banco Central ou informa\u00e7\u00f5es em T\u00edtulos P\u00fablicos Federais, o que confere seguran\u00e7a aos depositantes.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">Al\u00e9m disso, ambas as contas aparecem nos relat\u00f3rios do Cadastro de Clientes do Sistema Financeiro Nacional (CCS), um sistema de informa\u00e7\u00f5es de natureza cadastral que divulgam as ocorr\u00eancias das institui\u00e7\u00f5es participantes com os seus correntistas ou clientes e com os representantes legais dos mesmos correntistas ou clientes.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<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;\">Em alguns casos, as institui\u00e7\u00f5es de pagamento podem fazer parte de grupos ou conglomerados em que existem institui\u00e7\u00f5es financeiras. <\/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;\">Nesse caso, ainda que o cliente possua apenas uma conta de pagamento, ele pode ter acesso \u00e0s opera\u00e7\u00f5es de cr\u00e9dito oferta pela institui\u00e7\u00e3o financeira do grupo. <\/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;\">Nesse caso o recurso provado da opera\u00e7\u00e3o de cr\u00e9dito \u00e9 depositado em sua conta de pagamento.<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p>A movimenta\u00e7\u00e3o das contas de dep\u00f3sitos \u00e9 semelhante \u00e0 movimenta\u00e7\u00e3o das contas de pagamento pr\u00e9-paga. Em ambos os casos, h\u00e1 necessidade de dep\u00f3sito pr\u00e9vio de recursos para que sejam realizadas as transa\u00e7\u00f5es de pagamento, saques, transfer\u00eancias entre contas e entre bancos, e aplica\u00e7\u00f5es financeiras. Contudo, diferentemente das contas banc\u00e1rias, as contas de pagamento n\u00e3o s\u00e3o movimentadas atrav\u00e9s de cheques.<\/p>\n<p>No tocante \u00e0 cobran\u00e7a de tarifas, os bancos e demais institui\u00e7\u00f5es autorizadas a funcionar pelo BC, inclusive institui\u00e7\u00f5es de pagamento, devem observar o disposto na regulamenta\u00e7\u00e3o em vigor, publicada pelo Banco Central do Brasil para a cobran\u00e7a de tarifas pela presta\u00e7\u00e3o de servi\u00e7os por parte destas institui\u00e7\u00f5es observadas as provid\u00eancias necess\u00e1rias para tal.<\/p>\n<p>Os servi\u00e7os vinculados \u00e0s contas de pagamento p\u00f3s-pagas s\u00e3o considerados servi\u00e7os priorit\u00e1rios, estando padronizadas as tarifas pass\u00edveis de cobran\u00e7a, com defini\u00e7\u00e3o expl\u00edcita dos fatos geradores. Os servi\u00e7os vinculados \u00e0s contas de pagamento pr\u00e9-pagas s\u00e3o considerados servi\u00e7os diferenciados, sendo mais flex\u00edvel a cobran\u00e7a de tarifas, sem institui\u00e7\u00e3o de padroniza\u00e7\u00e3o pelo Conselho Monet\u00e1rio Nacional, inclusive em rela\u00e7\u00e3o a servi\u00e7os de saques, extratos e transfer\u00eancias.<\/p>\n<p>Os bancos e demais institui\u00e7\u00f5es financeiras devem observar regras que disciplinam o atendimento por meio de ag\u00eancias (presenciais) e por meio de canais alternativos (eletr\u00f4nicos, telefonia etc.), inclusive no caso das contas eletr\u00f4nicas. No caso de institui\u00e7\u00f5es de pagamento n\u00e3o h\u00e1 regra disciplinando o atendimento, que pode ser exclusivamente por meio eletr\u00f4nico.<\/p>\n<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;\"> \u00e9 especializada em Instiui\u00e7\u00f5es de Pagamento e Institui\u00e7\u00f5es Financeiras, tanto em sua constitui\u00e7\u00e3o quanto sua inform\u00e1tica. <\/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;\">Fale com um consultor sem compromisso. <\/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;\">Entre na 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-4e05920 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4e05920\" 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:\/\/bit.ly\/3b1AANM\" 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 a ARCA<\/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-16a98574 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16a98574\" 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-68d49249\" data-id=\"68d49249\" 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-55438bb7 elementor-widget elementor-widget-text-editor\" data-id=\"55438bb7\" 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\u00a0 Dispon\u00edvel em: https:\/\/www.bcb.gov.br\/detalhenoticia\/534\/noticia. <\/span><span style=\"vertical-align: inherit;\">Acesso em 05\/11\/2020<\/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-b9305f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9305f5\" 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-2beb97a1\" data-id=\"2beb97a1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\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-51463518 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51463518\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-33 elementor-top-column elementor-element elementor-element-498b33af\" data-id=\"498b33af\" 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-168fd9f9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"168fd9f9\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/sobre-nos\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">A ARCA<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/solucoes\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">SOLU\u00c7\u00d5ES<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/processos-e-controles\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">PROCESSOS E CONTROLES<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/clientes\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">CLIENTES<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/noticias\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">NOT\u00cdCIAS<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/contato\/\">\t\t\t\t\t<span class=\"elementor-icon-list-text\">CONTATO<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6ba5e162\" data-id=\"6ba5e162\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1cb14a49\" data-id=\"1cb14a49\" 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-162d4167 elementor-widget elementor-widget-image\" data-id=\"162d4167\" 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=\"1000\" height=\"1000\" src=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/04\/logomarca-com-arca-em-branco.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/04\/logomarca-com-arca-em-branco.png 1000w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/04\/logomarca-com-arca-em-branco-300x300.png 300w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/04\/logomarca-com-arca-em-branco-150x150.png 150w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/04\/logomarca-com-arca-em-branco-768x768.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7832b069 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7832b069\" 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-inner-column elementor-element elementor-element-22612b77\" data-id=\"22612b77\" 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-35699963 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"35699963\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-53f334e\" href=\"https:\/\/www.facebook.com\/arcaconsultingcompany\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-10355b1\" href=\"https:\/\/www.instagram.com\/arcaconsulting\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-b025374\" href=\"https:\/\/www.linkedin.com\/company\/arca-consulting-company\/?viewAsMember=true\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-whatsapp elementor-repeater-item-cd363b6\" href=\"https:\/\/bit.ly\/3b1AANM\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Whatsapp<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-whatsapp\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\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-inner-section elementor-element elementor-element-7c9d8c00 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c9d8c00\" 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-inner-column elementor-element elementor-element-39d58d32\" data-id=\"39d58d32\" 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-171123e5 elementor-widget elementor-widget-text-editor\" data-id=\"171123e5\" 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>Diferen\u00e7a entre uma Conta Banc\u00e1ria e uma Conta de Pagamento Tanto as contas de pagamento quanto as contas banc\u00e1rias (contas de dep\u00f3sitos \u00e0 vista) possibilitam a realiza\u00e7\u00e3o de pagamentos e transfer\u00eancia de recursos entre contas mantidas na pr\u00f3pria institui\u00e7\u00e3o e entre contas mantidas em institui\u00e7\u00f5es distintas. Como transa\u00e7\u00f5es liquidadas nas contas de pagamento, ou seja,&hellip;&nbsp;<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/2021\/06\/18\/diferenca-entre-uma-conta-bancaria-e-uma-conta-de-pagamento\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Diferen\u00e7a entre uma Conta Banc\u00e1ria e uma Conta de Pagamento<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","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":[34,32],"class_list":["post-2059","post","type-post","status-publish","format-standard","hentry","category-noticias","tag-contas-bancarias","tag-fintech-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Diferen\u00e7a entre uma Conta Banc\u00e1ria e uma Conta de Pagamento -<\/title>\n<meta name=\"description\" content=\"Tanto as contas de pagamento quanto as contas banc\u00e1rias (contas de dep\u00f3sitos \u00e0 vista) possibilitam a realiza\u00e7\u00e3o de pagamentos e transfer\u00eancia de recursos entre contas mantidas na pr\u00f3pria institui\u00e7\u00e3o e entre contas mantidas em institui\u00e7\u00f5es distintas. 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