{"id":20534,"date":"2023-02-07T13:45:26","date_gmt":"2023-02-07T16:45:26","guid":{"rendered":"https:\/\/b2egroup.com.br\/blog\/?p=20534"},"modified":"2023-02-07T13:45:26","modified_gmt":"2023-02-07T16:45:26","slug":"chargeback-no-e-commerce","status":"publish","type":"post","link":"https:\/\/b2egroup.com.br\/blog\/2023\/02\/07\/chargeback-no-e-commerce\/","title":{"rendered":"Chargeback no e-commerce e as compras com cart\u00e3o de cr\u00e9dito"},"content":{"rendered":"\n

Problemas com chargeback no e-commerce?<\/strong> <\/p>\n\n\n\n

O setor do E-commerce vem ganhando destaque no que se refere a tentativas de fraudes. Esse foco no e-commerce ocorre principalmente pelo novo comportamento de compra do consumidor, que por conta do isolamento social, passou a utilizar mais a internet.  <\/p>\n\n\n\n

Por\u00e9m, a maior atividade no e-commerce traz um risco bem conhecido para vendas n\u00e3o presenciais: o chargeback<\/strong>.  <\/p>\n\n\n\n

Visto como um dos grandes problemas de quem lida com o com\u00e9rcio eletr\u00f4nico, o chargeback<\/a> gera preju\u00edzos financeiros, suja a imagem do neg\u00f3cio e pode at\u00e9 descredenci\u00e1-lo.  <\/p>\n\n\n\n

Neste artigo, vamos demonstrar por que voc\u00ea, empreendedor dono de e-commerce precisa come\u00e7ar a se preocupar mais com a seguran\u00e7a das suas vendas. Acompanhe. <\/p>\n\n\n\n

O cen\u00e1rio das compras feitas com cart\u00e3o de cr\u00e9dito no Brasil<\/h2>\n\n\n\n

Em 2019, as compras realizadas com cart\u00e3o de cr\u00e9dito bateram, pela primeira vez, um valor acima de 1 trilh\u00e3o de reais, segundo dados divulgados<\/a> pela Abecs (Associa\u00e7\u00e3o Brasileira das Empresas de Cart\u00f5es de Cr\u00e9dito e Servi\u00e7os). Foram registrados o volume de 1,16 trilh\u00f5es, o que representava uma alta de 19,8% em rela\u00e7\u00e3o a 2018. <\/p>\n\n\n\n

Na \u00e9poca, os pagamentos realizados a dist\u00e2ncia (via e-commerce, aplicativos e plataformas digitais) eram 28% das transa\u00e7\u00f5es.  <\/p>\n\n\n\n

A modalidade continuou crescendo. Em 2020, segundo<\/a> a Abecs, o cart\u00e3o de cr\u00e9dito registrou R$ 1,18 trilh\u00e3o em transa\u00e7\u00f5es, com alta de 2,6%.  <\/p>\n\n\n\n

No primeiro trimestre de 2021, as compras com cart\u00e3o de cr\u00e9dito continuaram apresentando alta. Foram R$ 335,9 bilh\u00f5es<\/a> de pagamentos, um crescimento de 12,8% em compara\u00e7\u00e3o ao mesmo per\u00edodo de 2020.  <\/p>\n\n\n\n

E devido \u00e0 pandemia da covid-19, as compras n\u00e3o presenciais tiveram uma alta de 35,6%, chegando ao valor de R$ 120 bilh\u00f5es.  <\/p>\n\n\n\n

A expectativa da Abecs \u00e9 que o setor retome o ritmo apresentado em 2018 e feche o ano com um crescimento de 19%. Este cen\u00e1rio, apesar de ser muito promissor ao setor do e-commerce, j\u00e1 que por consequ\u00eancia, revela um aumento das vendas online<\/a>, tamb\u00e9m indica um risco alto de aumento do n\u00famero de fraudes<\/a>, como demonstrou a pesquisa do Mapa da Fraude citada no come\u00e7o do artigo.  <\/p>\n\n\n\n

E frente a golpes que resultam em chargebacks, o com\u00e9rcio eletr\u00f4nico se mostra completamente vulner\u00e1vel, j\u00e1 que as empresas administradoras de cart\u00f5es n\u00e3o se responsabilizam pelas transa\u00e7\u00f5es feitas em ambiente virtual.  <\/p>\n\n\n\n

Ent\u00e3o, a loja online n\u00e3o apenas tem de lidar com o problema, sozinha, mas tamb\u00e9m com os custos correspondentes.  <\/p>\n\n\n\n

Como se proteger do chargeback no e-commerce?<\/h2>\n\n\n\n

Para que o e-commerce seja capaz de se proteger do chargeback por fraude, \u00e9 necess\u00e1rio investir em um antifraude que fa\u00e7a uso de tecnologias que reconhe\u00e7am o comportamento do consumidor, que levando em conta seu hist\u00f3rico de compra e prefer\u00eancias aliado a intelig\u00eancia artificial consiga diferenciar as compras boas de tentativas de fraudes. <\/p>\n\n\n\n

Dessa forma, o neg\u00f3cio estar\u00e1 apto para detectar n\u00e3o apenas casos isolados, mas tamb\u00e9m constatar padr\u00f5es que indiquem a probabilidade de ocorr\u00eancia de um chargeback antes dele acontecer.  <\/p>\n\n\n\n

Portanto, seu antifraude precisa fornecer as seguintes funcionalidades em seu escopo: <\/p>\n\n\n\n

Regras e integra\u00e7\u00e3o de dados <\/strong> <\/p>\n\n\n\n

Conjunto de \u201cbest practicies\u201d baseados em informa\u00e7\u00f5es internas ou em bureaus cadastrais que impe\u00e7am golpes dos mais simples aos mais avan\u00e7ados.  <\/p>\n\n\n\n

Fraudscorings <\/strong> <\/p>\n\n\n\n

O fraudscoring<\/a> \u00e9 uma funcionalidade estat\u00edstica que baseada em uma s\u00e9rie de dados indica a probabilidade de um pedido ser fraude ou n\u00e3o. <\/p>\n\n\n\n

Fingerprint<\/strong> <\/p>\n\n\n\n

O fingerprint<\/a> \u00e9 uma funcionalidade que captura os dados do dispositivo que est\u00e1 efetuando a transa\u00e7\u00e3o, independente de ser um computador ou smartphone, verificando assim se o aparelho usado possui hist\u00f3rico fraudulento ou de chargeback. <\/p>\n\n\n\n

2FA (segundo fator de autentica\u00e7\u00e3o)<\/strong> <\/p>\n\n\n\n

Ao pedir valida\u00e7\u00e3o via token via e-mail ou SMS em dispositivo que verdadeiramente perten\u00e7a ao dono do CPF ou do cart\u00e3o (poss\u00edvel confirmar atrav\u00e9s de bureaus cadastrais integrados a ferramenta) a atua\u00e7\u00e3o do fraudador \u00e9 dificultada, uma n\u00e3o tenha acesso a este device.  <\/p>\n\n\n\n

Portanto, se voc\u00ea, empreendedor, tem como objetivo o crescimento da sua loja virtual, \u00e9 preciso contar com uma ferramenta que possua essas e outras funcionalidades. Isso evitar\u00e1 que seu neg\u00f3cio sofra preju\u00edzos financeiros e de imagem.  <\/p>\n\n\n\n

Quer ter acesso a uma ferramenta completa e tornar as suas vendas mais seguras? Conhe\u00e7a o Sistema de Preven\u00e7\u00e3o \u00e0 Fraude da B2e Group. Nossa tecnologia \u00e9 totalmente se adapta da forma mais eficiente \u00e0s necessidades e especificidades do seu e-commerce.  
Proteja suas vendas. Conhe\u00e7a a nossa solu\u00e7\u00e3o<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"

Com o aumento das vendas online e das transa\u00e7\u00f5es por cart\u00e3o de cr\u00e9dito, o e-commerce vem sofrendo com o aumento de chargeback.<\/p>\n","protected":false},"author":4,"featured_media":20536,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[11,10],"tags":[59,124,60,116],"class_list":["post-20534","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fraude-e-credito","category-fraude-no-e-commerce","tag-chargeback","tag-chargeback-no-ecommerce","tag-ecommerce","tag-seguranca-no-ecommerce"],"yoast_head":"\nChargeback no e-commerce e as compras com cart\u00e3o de cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"Com o aumento das vendas 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