{"id":95916,"date":"2026-05-11T14:13:01","date_gmt":"2026-05-11T17:13:01","guid":{"rendered":"https:\/\/www.ecommerceupdate.com.br\/?p=95916"},"modified":"2026-05-11T14:13:08","modified_gmt":"2026-05-11T17:13:08","slug":"pagamentos-com-cartoes-crescem-83-no-primeiro-trimestre-de-2026-e-movimentam-r-11-trilhao","status":"publish","type":"post","link":"https:\/\/www.ecommerceupdate.com.br\/hu\/pagamentos-com-cartoes-crescem-83-no-primeiro-trimestre-de-2026-e-movimentam-r-11-trilhao\/","title":{"rendered":"A k\u00e1rty\u00e1s fizet\u00e9sek 8,3%-vel n\u0151nek 2026 els\u0151 negyed\u00e9v\u00e9ben, \u00e9s az R$ 1,1 billi\u00f3val mozog"},"content":{"rendered":"<p class=\"wp-block-paragraph\">A hitel-, bet\u00e9ti \u00e9s el\u0151re fizetett k\u00e1rty\u00e1s tranzakci\u00f3k \u00f6sszead\u00f3dtak&nbsp;<strong>R$ 1,1 billi\u00f3<\/strong>&nbsp;2026 els\u0151 negyed\u00e9v\u00e9ben n\u00f6veked\u00e9st k\u00f6nyvelhetett el&nbsp;<strong>8,3%<\/strong>&nbsp;az el\u0151z\u0151 \u00e9v azonos id\u0151szak\u00e1ra vonatkoz\u00f3an a -t\u00f3l sz\u00e1rmaz\u00f3 adatok szerint&nbsp;<strong>Abecs<\/strong>, Az elektronikus fizet\u00e9si eszk\u00f6z\u00f6k szektor\u00e1t k\u00e9pvisel\u0151 egyes\u00fclet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A modalit\u00e1s szerinti elemz\u00e9sben a hitelk\u00e1rtya mind mennyis\u00e9gben, mind n\u00f6veked\u00e9sben, mozg\u00e1sban vezetett&nbsp;<strong>R$ 810,2 milli\u00e1rd<\/strong>, magas&nbsp;<strong>12,8%<\/strong>. A bet\u00e9ti k\u00e1rtya \u00f6sszeadva&nbsp;<strong>R$ 236 milli\u00e1rd<\/strong>&nbsp;(<strong>-2,4%<\/strong>), m\u00edg az el\u0151re fizetett k\u00e1rtya regisztr\u00e1lt&nbsp;<strong>R$ 94,5 milli\u00e1rd<\/strong>, n\u00f6veked\u00e9se&nbsp;<strong>1%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tranzakci\u00f3k sz\u00e1ma<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026 els\u0151 negyed\u00e9v\u00e9ben ker\u00fcltek megrendez\u00e9sre&nbsp;<strong>11,7 milli\u00e1rd<\/strong>&nbsp;k\u00e1rtyatranzakci\u00f3k, n\u00f6veked\u00e9se&nbsp;<strong>3%<\/strong>&nbsp;2025 azonos id\u0151szak\u00e1hoz k\u00e9pest \u00c1tlagosan brazilok teljes\u00edtettek&nbsp;<strong>132 milli\u00f3<\/strong>&nbsp;a napi kifizet\u00e9sekb\u0151l.<br>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A hitelk\u00e1rtya sz\u00e1mos m\u0171veletben is vezetett&nbsp;<strong>5,4 milli\u00e1rd<\/strong>&nbsp;a tranzakci\u00f3kr\u00f3l (<strong>+7,6%<\/strong>), majd a terhel\u00e9s, a&nbsp;<strong>4 milli\u00e1rd<\/strong>&nbsp;(<strong>-1,3%<\/strong>), \u00e9s el\u0151re fizetett m\u00f3don&nbsp;<strong>2,3 milli\u00e1rd<\/strong>&nbsp;(<strong>+0,4%<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A k\u00f6zel\u00edt\u00e9ssel t\u00f6rt\u00e9n\u0151 kifizet\u00e9sek tov\u00e1bb b\u0151v\u00fclnek<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00f6zel\u00edt\u00e9ssel (nFC technol\u00f3gia) t\u00f6rt\u00e9n\u0151 kifizet\u00e9sek tov\u00e1bbra is er\u0151teljesen n\u0151nek az orsz\u00e1gban.2026 els\u0151 negyed\u00e9v\u00e9ben a m\u00f3dozat megmozdult&nbsp;<strong>R$ 504,8 milli\u00e1rd<\/strong>, magas&nbsp;<strong>19,3%<\/strong>&nbsp;2025 azonos id\u0151szak\u00e1ra.<br>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A technol\u00f3gia m\u00e1r k\u00e9pviseli&nbsp;<strong>74,8%<\/strong>&nbsp;a szem\u00e9lyes tranzakci\u00f3k k\u00e1rty\u00e1kkal Braz\u00edli\u00e1ban, megszil\u00e1rd\u00edtva mag\u00e1t a nagyobb kapillarit\u00e1s innov\u00e1ci\u00f3jak\u00e9nt. Ezen t\u00falmen\u0151en az Abecs \u00e9s a Datafolha kutat\u00e1sa ezt jelzi&nbsp;<strong>72%<\/strong>&nbsp;a brazilok k\u00f6zel\u00edt\u00e9ssel haszn\u00e1lj\u00e1k a kifizet\u00e9seket, \u00e9s&nbsp;<strong>64%<\/strong>&nbsp;gyakran haszn\u00e1lj\u00e1k \u0151ket (mindig vagy szinte mindig).<br>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nem szem\u00e9lyes v\u00e1s\u00e1rl\u00e1sok \u00e9s ism\u00e9tl\u0151d\u0151 fizet\u00e9sek<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az interneten \u00e9s m\u00e1s t\u00e1voli csatorn\u00e1kon kereszt\u00fcl t\u00f6rt\u00e9n\u0151 v\u00e1s\u00e1rl\u00e1sok elk\u00f6lt\u00f6ztek&nbsp;<strong>R$ 310,5 milli\u00e1rd<\/strong>&nbsp;az els\u0151 negyed\u00e9vben n\u00f6veked\u00e9ssel&nbsp;<strong>18,8%<\/strong>. A prepand\u00e9mi\u00e1s id\u0151szakhoz k\u00e9pest (<strong>1T20<\/strong>), n\u0151tt a terhel\u00e9s alkalmaz\u00e1sa a nem szem\u00e9lyes v\u00e1s\u00e1rl\u00e1sok sor\u00e1n&nbsp;<strong>359,8%<\/strong>, m\u00edg a hitel el\u0151rehaladt&nbsp;<strong>247%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ezen a digit\u00e1lis \u00f6kosziszt\u00e9m\u00e1n bel\u00fcl a folyamatos szolg\u00e1ltat\u00e1sok \u00e9s el\u0151fizet\u00e9sek (p\u00e9ld\u00e1ul streamingek, edz\u0151termek, el\u0151fizet\u00e9ses klubok \u00e9s szoftverek) ism\u00e9tl\u0151d\u0151 fizet\u00e9si \u00e9s automatikus t\u00f6lt\u00e9si modellje \u00f6sszead\u00f3dott&nbsp;<strong>R$ 41,7 milli\u00e1rd<\/strong>, n\u00f6veked\u00e9se&nbsp;<strong>36%<\/strong>&nbsp;az \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban. Ennek a m\u00f3dozatnak a mennyis\u00e9g\u00e9t els\u0151sorban a hitelk\u00e1rtya hat\u00e1rozza meg, amely elsz\u00e1mol&nbsp;<strong>R$ 39,9 milli\u00e1rd<\/strong>&nbsp;a teljes \u00f6sszegb\u0151l, mik\u00f6zben az ad\u00f3ss\u00e1g kb&nbsp;<strong>R$ 1 milli\u00e1rd<\/strong>&nbsp;\u00e9s el\u0151re kifizetve kb&nbsp;<strong>R$ 0,9 milli\u00e1rd<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c9rintse meg a Telefon technol\u00f3gia elemet<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Tap on Phone m\u00f3d, amely lehet\u0151v\u00e9 teszi az okostelefonok \u00e9s t\u00e1blag\u00e9pek sz\u00e1m\u00e1ra, hogy k\u00f6zvetlen\u00fcl k\u00f6zel\u00edt\u00e9ssel fogadjanak fizet\u00e9seket, \u00e9rt\u00e9kes\u00edt\u00e9si termin\u00e1lk\u00e9nt funkcion\u00e1lva, hagyom\u00e1nyos g\u00e9pek n\u00e9lk\u00fcl&nbsp;<strong>R$ 27,1 milli\u00e1rd<\/strong>&nbsp;negyed\u00e9vben, n\u00f6veked\u00e9ssel&nbsp;<strong>114,6%<\/strong>.<br>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00e9t \u00e9v alatt ennek a technol\u00f3gi\u00e1nak a kumulat\u00edv n\u00f6veked\u00e9se az volt&nbsp;<strong>1.188,8%<\/strong>. M\u00f3dszer szerint a hitel v\u00e1laszolt&nbsp;<strong>R$ 25,4 milli\u00e1rd<\/strong>&nbsp;(<strong>+115,6%<\/strong>), a terhel\u00e9s&nbsp;<strong>R$ 1,2 milli\u00e1rd<\/strong>&nbsp;(<strong>+105,4%<\/strong>) \u00e9s el\u0151re kifizette&nbsp;<strong>R$ 0,5 milli\u00e1rd<\/strong>&nbsp;(<strong>+92,6%<\/strong>), a kisv\u00e1llalkoz\u00e1sok digitaliz\u00e1l\u00e1s\u00e1nak el\u0151seg\u00edt\u00e9se.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kamatmentes r\u00e9szlet (PSJ)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A hitelk\u00e1rty\u00e1s v\u00e1s\u00e1rl\u00e1sok szerkezet\u00e9re vonatkoz\u00f3an a kamatmentes r\u00e9szlet (PSJ) a fogyaszt\u00e1s finansz\u00edroz\u00e1s\u00e1nak alapvet\u0151 eszk\u00f6ze %&nbsp;<strong>43,2%<\/strong>&nbsp;a modalit\u00e1sban lebonyol\u00edtott teljes \u00f6sszegb\u0151l (<strong>R$ 390,5 milli\u00e1rd<\/strong>). A hitelk\u00e1rty\u00e1s k\u00e9szp\u00e9nzfogyaszt\u00e1s volt a legnagyobb szelet, a&nbsp;<strong>56,5%<\/strong>&nbsp;(<strong>R$ 511,4 milli\u00e1rd<\/strong>). R\u00e9szletre t\u00f6rt\u00e9n\u0151 v\u00e1s\u00e1rl\u00e1sok k\u00f6z\u00fcl a,&nbsp;<strong>62,4%<\/strong>&nbsp;legfeljebb hat alkalommal hajtj\u00e1k v\u00e9gre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>K\u00fclf\u00f6ldi kiad\u00e1sok (hat\u00e1ron \u00e1tny\u00fal\u00f3)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A brazilok k\u00fclf\u00f6ld\u00f6n \u00f6sszesen k\u00e1rtyahaszn\u00e1lata&nbsp;<strong>US$ 5,3 milli\u00e1rd (R$ 27,9 milli\u00e1rd<\/strong>) 2026 els\u0151 negyed\u00e9v\u00e9ben b\u0151v\u00fcl\u00e9s&nbsp;<strong>37%<\/strong>. M\u00f3dszer szerint a hitelk\u00e1rtya v\u00e1laszolt&nbsp;<strong>R$ 21,7 milli\u00e1rd<\/strong>&nbsp;(<strong>+22,6%<\/strong>), a terhel\u00e9s&nbsp;<strong>R$ 3 milli\u00e1rd<\/strong>&nbsp;(<strong>+98,6%<\/strong>) \u00e9s el\u0151re kifizette&nbsp;<strong>R$ 3,2 milli\u00e1rd<\/strong>&nbsp;(<strong>-8,7%<\/strong>).<br>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eur\u00f3pa volt a legt\u00f6bb k\u00f6lt\u00e9st jelent\u0151 c\u00e9lorsz\u00e1g&nbsp;<strong>R$ 11,7 milli\u00e1rd<\/strong>&nbsp;(<strong>+19,9%<\/strong>), majd az Egyes\u00fclt \u00c1llamok k\u00f6vetkezik&nbsp;<strong>R$ 9,7 milli\u00e1rd<\/strong>&nbsp;(<strong>+10,9%<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>K\u00e1rtyahaszn\u00e1lat szektoronk\u00e9nt<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az adatok azt mutatj\u00e1k, hogy az elektronikus fizet\u0151eszk\u00f6z\u00f6k penetr\u00e1ci\u00f3ja t\u00f6bb kateg\u00f3ri\u00e1ban is tov\u00e1bb halad A kiskereskedelemben az elektronika \u00e9s a h\u00e1ztart\u00e1si g\u00e9pek szegmens\u00e9ben mark\u00e1nsabb n\u00f6veked\u00e9s volt tapasztalhat\u00f3 a k\u00e1rtyahaszn\u00e1latban (<strong>+21,4%<\/strong>), k\u00f6nyvesboltok \u00e9s hasonl\u00f3k (<strong>16,3%<\/strong>), ruh\u00e1zat \u00e9s kieg\u00e9sz\u00edt\u0151k<strong>&nbsp;<\/strong>(<strong>+13,2<\/strong>), aut\u00f3alkatr\u00e9szek<strong>&nbsp;<\/strong>(<strong>+12,2<\/strong>)<strong>&nbsp;<\/strong>\u00e9s \u00e9tel (<strong>12%<\/strong>)<strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A szolg\u00e1ltat\u00e1si szektorban a k\u00e1rtyahaszn\u00e1lat b\u0151v\u00fcl\u00e9s\u00e9t a szakembereknek t\u00f6rt\u00e9n\u0151 fizet\u00e9sek vezett\u00e9k (<strong>+25,1%<\/strong>), alapfok\u00fa oktat\u00e1s (<strong>+21,9<\/strong>)<strong>,&nbsp;<\/strong>orvosi szolg\u00e1ltat\u00e1sok (<strong>+19,3%<\/strong>), l\u00e9git\u00e1rsas\u00e1gok \u00e9s hasonl\u00f3k (<strong>+19,2%<\/strong>) \u00e9s biztos\u00edt\u00e1s (<strong>+13,7<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Region\u00e1lis elemz\u00e9s<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A d\u00e9lkeleti vezette a k\u00e1rty\u00e1kkal lebonyol\u00edtott k\u00f6tetet&nbsp;<strong>R$ 574 milli\u00e1rd<\/strong>&nbsp;(<strong>+4,3%<\/strong>), majd a d\u00e9l, vele&nbsp;<strong>R$ 158,9 milli\u00e1rd<\/strong>&nbsp;(<strong>+8,2%<\/strong>), \u00c9szakkelet, vele&nbsp;<strong>R$ 135,8 milli\u00e1rd<\/strong>&nbsp;(<strong>+1,7%<\/strong>), K\u00f6z\u00e9pnyugat, vele&nbsp;<strong>R$ 82,1 milli\u00e1rd<\/strong>&nbsp;(<strong>+1,5%<\/strong>), \u00e9s \u00c9szak, vele&nbsp;<strong>R$ 41 milli\u00e1rd<\/strong>&nbsp;(<strong>+1,1%<\/strong>).<\/p>","protected":false},"excerpt":{"rendered":"<p>As transa\u00e7\u00f5es com cart\u00f5es de cr\u00e9dito, d\u00e9bito e pr\u00e9-pagos somaram&nbsp;R$ 1,1 trilh\u00e3o&nbsp;no primeiro trimestre de 2026, registrando crescimento de&nbsp;8,3%&nbsp;em rela\u00e7\u00e3o ao mesmo per\u00edodo do ano anterior, de acordo com dados [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89096,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,34],"tags":[43,53,79],"class_list":["post-95916","post","type-post","status-publish","format-standard","has-post-thumbnail","category-noticias","category-pesquisas","tag-e-commerce","tag-noticias","tag-pesquisas"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/posts\/95916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/comments?post=95916"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/posts\/95916\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/media\/89096"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/media?parent=95916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/categories?post=95916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/hu\/wp-json\/wp\/v2\/tags?post=95916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}