Como resolver o Pagamento em análise (Revisão) ao comprar no Mercado Livre ou via Link de Pagamento

Summary

In this YouTube video, the host discusses the frustrating experience of having a payment declined on MercadoLivre, a popular online marketplace. They delve into the reasons behind payment rejections, such as account verification issues with Mercado Pago, bank limits, and seller reputation. The host advises viewers to ensure their Mercado Pago accounts are active and to be cautious of suspiciously low-priced items that may indicate a scam. The video aims to educate viewers on how to navigate the security checks and payment process for a safer online shopping experience.

Takeaways

• 😀 The video discusses the issue of payment being refused or under analysis on the MercadoLivre platform.
• 🕒 The script mentions that payment analysis typically takes up to 24 hours, but can sometimes be resolved within two to three hours.
• 🛒 The video creator had an experience where their payment was refused after 30 minutes of being under analysis for purchasing a smartphone.
• 📞 The creator contacted MercadoLivre and Mercado Pago to understand the reason behind the payment refusal.
• 🔒 MercadoLivre and Mercado Pago aim to ensure the security of both buyers and sellers by performing checks on transactions.
• 🚫 If a transaction seems suspicious, it may be refused to protect all parties involved.
• 📲 The video suggests checking your Mercado Pago account for any required document verification or security checks.
• 💳 It's important to ensure that your Mercado Pago account is active and linked to your bank for smooth transactions and possible refunds.
• 🏦 The video also advises checking with your bank to ensure that there are no issues with your payment method or spending limits.
• 🛍️ The script warns against purchasing from sellers with no reputation or history on the platform, as it might indicate a scam.
• 🔍 MercadoLivre evaluates sellers based on their history and reputation to prevent fraudulent activities.
• 👍 The video concludes by appreciating the security measures implemented by MercadoLivre and Mercado Pago for safe online shopping.

Q & A

What issue did the speaker encounter while trying to purchase a smartphone on MercadoLivre?

The speaker encountered an issue where their payment was put 'under analysis' and eventually denied after about 30 minutes.

What is the usual time frame for a payment to be approved or denied on MercadoLivre?

The usual time frame for a payment to be approved or denied is up to 24 hours, but typically it takes around two to three hours to get a response.

What steps did the speaker take after their payment was denied?

The speaker contacted MercadoLivre and Mercado Pago to understand the reason for the payment denial and what was happening.

What is Mercado Pago's role in the transaction process on MercadoLivre?

Mercado Pago is responsible for the payment process on MercadoLivre, ensuring that both the buyer and seller do not have issues with the transaction.

What does Mercado Pago do to prevent potential issues during a transaction?

Mercado Pago performs a check-in during the transaction process. If everything is okay, the payment is approved; if there is any suspicion, the payment is denied.

What should a buyer do if their Mercado Pago account is flagged for security verification?

The buyer should check their Mercado Pago account and provide the requested documents for security verification.

Why might a bank deny a transaction even if the buyer has a normal limit?

The bank might deny a transaction if there is an issue with the buyer's account or if the bank has already processed a similar transaction that could indicate a problem.

What factors does MercadoLivre consider when evaluating a seller's reputation?

MercadoLivre evaluates a seller's reputation based on their history of sales, the number of sales made, and if they have a secure account with Mercado Pago.

What advice does the speaker give regarding purchasing from a seller with a questionable reputation?

The speaker advises against purchasing from a seller with a questionable reputation or one that is offering a product at a price significantly below market value, as it could be a scam.

What does the speaker suggest as a way to avoid payment issues on MercadoLivre?

The speaker suggests ensuring that the Mercado Pago account is activated and secure, and that the seller has a good reputation and history on the platform.

What is the speaker's final message about the importance of security in online transactions?

The speaker emphasizes the importance of security in online transactions, thanking MercadoLivre and Mercado Pago for their efforts to ensure secure purchases.