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

SC Tec New

12 Aug 202106:22

Summary

TLDRIn 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.

Outlines

00:00

🛒 Payment Issues on Mercado Livre

The speaker discusses a personal experience with a denied payment on Mercado Livre, a popular Brazilian e-commerce platform. They had found a smartphone at a great price and attempted to purchase it, only to have their payment put 'under analysis'. This process typically takes up to 24 hours, but the speaker's payment was denied after about 30 minutes. The video explains that Mercado Pago, the payment platform used by Mercado Livre, conducts checks to ensure the security of both buyers and sellers. If there's any suspicion or issue, the payment may be denied. The speaker suggests checking one's Mercado Pago account for any required document verification or account activation for security purposes. They also mention that if the issue isn't with the Mercado Pago account, it could be related to the bank or the seller's reputation on the platform.

05:01

🔍 Understanding Payment Denial Reasons

This paragraph delves into the reasons behind payment denials on Mercado Livre, using the Mercado Pago platform. It highlights the importance of the seller's history and reputation on the platform. If a seller has a limited history or seems suspicious, such as listing a new product at a significantly lower price than usual, the payment may be denied for security reasons. The video advises viewers to look for reputable sellers with a green rating to avoid potential scams. It also touches on the importance of having a verified Mercado Pago account and a good standing with one's bank to ensure smooth transactions. The speaker concludes by emphasizing the security measures in place on Mercado Livre and Mercado Pago to protect buyers, and encourages viewers to share their experiences in the comments.

Mindmap

Keywords

💡Payment Analysis

Payment Analysis refers to the process where a financial institution or payment platform reviews a transaction to determine its legitimacy before approving it. In the video, the theme revolves around the user's experience with a payment being put 'under analysis' on MercadoLivre, a common e-commerce platform, which led to the payment being eventually declined. This process is crucial for ensuring the security of both buyers and sellers on the platform.

💡Mercado Livre

Mercado Livre is a leading e-commerce platform in Latin America, often compared to eBay or Amazon. It is mentioned in the script as the platform where the user attempted to purchase a smartphone. The video discusses the security measures and payment processes of Mercado Livre, emphasizing its role in facilitating online transactions and protecting its users from fraudulent activities.

💡Mercado Pago

Mercado Pago is the payment system used by Mercado Livre, allowing users to make secure transactions. The script highlights Mercado Pago's role in the payment analysis process, where it checks for any suspicious activity or inconsistencies that might lead to a payment being declined. It is an essential part of the security measures discussed in the video.

💡Payment Decline

Payment Decline is the outcome where a transaction is not accepted by the payment processor due to various reasons such as security concerns or insufficient information. The video script describes the user's experience of having their payment declined after being under analysis for a certain period, which is a key point in the discussion about online payment security.

💡Security Check

Security Check is a procedure conducted to verify the legitimacy and safety of a transaction or user account. In the context of the video, a security check is performed by Mercado Pago during the payment process. The user's experience with a declined payment was due to a security check that flagged the transaction as potentially risky.

💡Account Verification

Account Verification is the process of confirming a user's identity and account details to ensure the security of transactions. The script mentions that Mercado Pago may request users to verify their accounts by submitting documents, which is part of the security measures to prevent fraud and protect users' financial information.

💡Bank Limit

Bank Limit refers to the maximum amount of money a bank allows a customer to spend or withdraw within a certain period. In the video, the user mentions checking their bank limit as part of troubleshooting why their payment was declined, indicating that the bank's spending limit was not the cause of the declined payment.

💡Seller Reputation

Seller Reputation is the trustworthiness and reliability of a seller, often based on their history of transactions and customer feedback. The video discusses how Mercado Livre evaluates sellers, and a lack of reputation could be a reason for a payment to be declined, especially if the seller is new or has a history of suspicious activities.

💡Fraud Prevention

Fraud Prevention involves measures taken to avoid scams and unauthorized transactions. The video script explains how Mercado Pago and Mercado Livre work together to prevent fraud by analyzing transactions and seller histories, which is a key aspect of the security checks mentioned.

💡Product Pricing

Product Pricing is the amount at which goods or services are offered for sale. The video mentions a situation where a product was listed at a price significantly lower than its market value, which raised suspicions and contributed to the payment being declined as a precaution against potential scams.

💡Transaction Security

Transaction Security refers to the measures taken to protect financial transactions from unauthorized access or fraudulent activities. The main theme of the video is the importance of transaction security when using online marketplaces like Mercado Livre, and the steps taken by the platform to ensure safe and secure purchases.

Highlights

The video discusses the issue of payment being refused or put on hold when purchasing a smartphone on MercadoLivre.

Payment usually takes up to 24 hours for review, but it can be approved or declined within two to three hours.

The speaker's payment was refused, prompting them to contact Mercado Livre and Mercado Pago for clarification.

Mercado Livre and Mercado Pago work to ensure both buyers and sellers have a secure transaction experience.

If there is suspicion or an issue, the payment may be refused as a security measure.

The speaker advises checking the Mercado Pago account for any requested documents or security verification.

It's important to verify the Mercado Pago account to avoid issues with payment processing.

The video mentions that the bank's approval is also a factor in payment processing.

If the bank has no issues and the limit is sufficient, it's unlikely to be the cause of payment refusal.

The seller's reputation and history on Mercado Livre can affect the payment approval process.

New sellers or those with a questionable history may have their sales scrutinized more closely.

The video warns against deals that seem too good to be true, as they might be scams.

Paying a little more can sometimes be safer than falling for a scam.

Mercado Livre evaluates sellers based on their history and reputation to prevent fraud.

The video suggests that a seller's green status indicates a good reputation and trustworthiness.

The speaker emphasizes the importance of secure online shopping and the role of Mercado Livre and Mercado Pago in ensuring it.

The video concludes by thanking Mercado Livre and Mercado Pago for their security measures.