{"id":20981,"date":"2023-11-17T03:47:00","date_gmt":"2023-11-17T03:47:00","guid":{"rendered":"http:\/\/sd-tests.com\/congerotechnology\/?post_type=news&#038;p=20981"},"modified":"2025-07-18T22:44:25","modified_gmt":"2025-07-18T22:44:25","slug":"services-billing-overview-b2c-billing-vs-b2b-billing-etc","status":"publish","type":"news","link":"https:\/\/congerotechnology.com\/pt\/news\/services-billing-overview-b2c-billing-vs-b2b-billing-etc\/","title":{"rendered":"Vis\u00e3o geral do faturamento de servi\u00e7os: faturamento B2C vs. faturamento B2B, etc."},"content":{"rendered":"<h2 class=\"wp-block-heading\">Vis\u00e3o Geral de Faturamento de Servi\u00e7os: Otimizando Opera\u00e7\u00f5es Financeiras na Era Digital<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>No cen\u00e1rio em constante evolu\u00e7\u00e3o dos servi\u00e7os digitais, o processo de faturamento desempenha um papel fundamental para garantir transa\u00e7\u00f5es financeiras sem interrup\u00e7\u00f5es. A jornada de John com a T-Mobile serve como uma narrativa envolvente, revelando as complexidades do faturamento \u2014 desde verifica\u00e7\u00f5es de cr\u00e9dito at\u00e9 liquida\u00e7\u00f5es entre parceiros.<br><\/p>\n\n\n\n<p>Depois de se mudar para uma nova casa, John foi \u00e0 T-Mobile adquirir um pacote de internet residencial 5G com servi\u00e7os m\u00f3veis. Seguindo um processo padr\u00e3o, um funcion\u00e1rio da T-Mobile solicitou suas informa\u00e7\u00f5es pessoais m\u00ednimas identific\u00e1veis para realizar a verifica\u00e7\u00e3o de cr\u00e9dito. O sistema enviou uma solicita\u00e7\u00e3o a uma das tr\u00eas principais ag\u00eancias de cr\u00e9dito, por exemplo, a Equifax, para obter a avalia\u00e7\u00e3o de cr\u00e9dito de John, que o qualificou para contratar os servi\u00e7os \u2014 al\u00e9m de receber um iPhone novo \u2014 sem qualquer pagamento inicial.\n\nJohn solicitou ainda um plano adicional de roaming na Am\u00e9rica do Norte, pois precisava viajar ao Canad\u00e1 e ao M\u00e9xico. No m\u00eas seguinte, ele fez uma viagem ao M\u00e9xico e usufruiu plenamente do servi\u00e7o m\u00f3vel por meio de um dos parceiros internacionais de roaming da T-Mobile, a Telef\u00f3nica.<br><\/p>\n\n\n\n<p>Como de costume nos neg\u00f3cios, os servi\u00e7os s\u00e3o fornecidos com custos, os quais s\u00e3o faturados pelos provedores. Mesmo antes de John receber os servi\u00e7os m\u00f3veis, sua verifica\u00e7\u00e3o de cr\u00e9dito acionou uma solicita\u00e7\u00e3o da T-Mobile para a Equifax, e a correspondente transa\u00e7\u00e3o de relat\u00f3rio de cr\u00e9dito foi inclu\u00edda na fatura mensal seguinte enviada pela Equifax para a T-Mobile.<br><\/p>\n\n\n\n<p>Ao final do primeiro m\u00eas, a T-Mobile faturou John pelas taxas mensais de servi\u00e7o, que inclu\u00edam o servi\u00e7o celular dom\u00e9stico e os servi\u00e7os de internet sem fio. Al\u00e9m disso, referente ao novo iPhone, o valor da parcela mensal tamb\u00e9m foi inclu\u00eddo na fatura.<\/p>\n\n\n\n<p>No m\u00eas seguinte, como John utilizou os servi\u00e7os de roaming da Telef\u00f3nica no M\u00e9xico, o faturamento e a liquida\u00e7\u00e3o da parceria entre a Telef\u00f3nica e a T-Mobile tamb\u00e9m inclu\u00edram o uso de roaming de John.<br><\/p>\n\n\n\n<p>Agora podemos ver que atividades rotineiras e comuns do dia a dia acionam diferentes tipos de atividades financeiras de back-office, especialmente faturamento ou, em um termo mais amplo, monetiza\u00e7\u00e3o.<br><\/p>\n\n\n\n<p>A breve hist\u00f3ria de John abordou as categorias de faturamento B2C versus faturamento B2B, bem como faturamento e liquida\u00e7\u00e3o entre parceiros, conforme ilustrado a seguir.&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"473\" src=\"https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-1024x473.png\" alt=\"\" class=\"wp-image-20983\" srcset=\"https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-1024x473.png 1024w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-300x139.png 300w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-768x355.png 768w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-1536x710.png 1536w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1-480x222.png 480w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph-1.png 1860w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Faturamento B2C<\/h3>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>O tipo mais comum de faturamento, refere-se ao processo em que empresas faturam consumidores por bens e servi\u00e7os. Do ponto de vista da monetiza\u00e7\u00e3o, existem tr\u00eas tipos principais de mudan\u00e7as a serem faturadas.<br><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cobran\u00e7a por Item:&nbsp;<\/strong>geralmente referente a compras \u00fanicas de produtos ou taxas de instala\u00e7\u00e3o de equipamentos. O iPhone rec\u00e9m-adquirido por John \u00e9 faturado como uma cobran\u00e7a por item, embora ele tenha optado por pagar ao longo do tempo por meio de v\u00e1rias parcelas.<\/li>\n\n\n\n<li><strong>Cobran\u00e7a por Uso:<\/strong>&nbsp;O uso di\u00e1rio de John \u2014 chamadas telef\u00f4nicas e atividades na internet \u2014 medido por tempo ou volume, \u00e9 faturado como cobran\u00e7as por uso.<\/li>\n\n\n\n<li><strong>Cobran\u00e7a por Assinatura:<\/strong>&nbsp;taxas recorrentes \u2014 mensais, trimestrais, anuais etc. \u2014 geralmente oferecidas como um plano que cobre uma quantidade espec\u00edfica de uso dentro de um ciclo de faturamento.<\/li>\n<\/ol>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Faturamento B2B<\/h3>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Refere-se ao faturamento de uma Empresa para outra entidade Empresarial por bens e servi\u00e7os. No caso da verifica\u00e7\u00e3o de cr\u00e9dito de John, a Equifax fatura a T-Mobile pelo relat\u00f3rio de cr\u00e9dito do consumidor.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Faturamento de Parceria ou Liquida\u00e7\u00e3o<\/h3>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Normalmente ocorre quando duas empresas parceiras liquidam entre si as cobran\u00e7as de servi\u00e7os. Isso acontece quando os dois parceiros \u2014 ou os consumidores finais de cada um deles \u2014 utilizam servi\u00e7os um do outro. Na hist\u00f3ria de John, como cliente da T-Mobile, ele utilizou o servi\u00e7o da Telef\u00f3nica, o que \u00e9 inclu\u00eddo na fatura B2B da Telef\u00f3nica para a T-Mobile. Ao mesmo tempo, clientes da Telef\u00f3nica provavelmente utilizam a rede da T-Mobile em roaming, com as respectivas cobran\u00e7as inclu\u00eddas na fatura da T-Mobile para a Telef\u00f3nica.\n\nPara simplificar, vamos supor que, em janeiro, a T-Mobile tenha 2 milh\u00f5es de d\u00f3lares em cobran\u00e7as para a Telef\u00f3nica, e a Telef\u00f3nica tenha 1,5 milh\u00e3o de d\u00f3lares em cobran\u00e7as para a T-Mobile. Em vez de pagarem milh\u00f5es em dinheiro uma \u00e0 outra, elas podem liquidar a diferen\u00e7a, ou seja, o valor delta de 0,5 milh\u00e3o de d\u00f3lares.<br><\/p>\n\n\n\n<p>Embora cada neg\u00f3cio tenha a sua pr\u00f3pria natureza de faturamento, uma empresa n\u00e3o est\u00e1 limitada a apenas um tipo de faturamento. Por exemplo, John pode verificar sua pr\u00f3pria avalia\u00e7\u00e3o de cr\u00e9dito diretamente com a Equifax, e a Equifax acaba faturando John diretamente, por meio de uma plataforma de faturamento B2C.\n\nComo os processos e as pol\u00edticas de neg\u00f3cio s\u00e3o diferentes, uma empresa pode acabar mantendo duas plataformas de faturamento \u2014 uma para faturamento B2B e outra para faturamento B2C.<\/p>\n\n\n\n<p>A T-Mobile, neste exemplo, pode tamb\u00e9m ter um grupo consider\u00e1vel de clientes empresariais. Isso faz com que a T-Mobile tenha faturamento B2B e B2C, al\u00e9m do faturamento de parceria com os parceiros de roaming.<br><\/p>\n\n\n\n<p>Tradicionalmente, uma plataforma de faturamento B2C opera em uma linha espec\u00edfica de servi\u00e7o. Por exemplo, uma empresa de telecomunica\u00e7\u00f5es pode ter tr\u00eas plataformas de faturamento em opera\u00e7\u00e3o: uma emitindo faturas mensais para servi\u00e7os telef\u00f4nicos, outra faturando servi\u00e7os de internet banda larga e uma terceira para servi\u00e7os de streaming de m\u00eddia.\n\nIsso significa que os clientes que assinam os tr\u00eas servi\u00e7os recebem tr\u00eas faturas por m\u00eas e precisam realizar tr\u00eas pagamentos mensais \u2014 o que n\u00e3o \u00e9 uma pr\u00e1tica ideal.<br><\/p>\n\n\n\n<p>Uma solu\u00e7\u00e3o direta \u00e9 consolidar todas as cobran\u00e7as de servi\u00e7o, provenientes de v\u00e1rias linhas de servi\u00e7o, em uma \u00fanica fatura mensal. Isso leva ao **faturamento convergente**, que tem sido cada vez mais adotado por muitas empresas nos \u00faltimos anos.\n\nA seguir, \u00e9 ilustrado um exemplo de plataforma de faturamento convergente.&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"473\" src=\"https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-1024x473.png\" alt=\"\" class=\"wp-image-20984\" srcset=\"https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-1024x473.png 1024w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-300x139.png 300w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-768x355.png 768w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-1536x710.png 1536w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2-480x222.png 480w, https:\/\/congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Infograph2.png 1860w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Embora seja um grande desafio para uma empresa unificar v\u00e1rios sistemas de faturamento em uma \u00fanica plataforma convergente, isso ajuda a manter a competitividade ao permitir a oferta de pacotes que combinam diferentes linhas de servi\u00e7o com descontos.\n\nComo mostrado no diagrama acima, uma plataforma de faturamento convergente permite que a T-Mobile ofere\u00e7a a clientes m\u00f3veis existentes novos servi\u00e7os de internet 5G e servi\u00e7os de streaming da Netflix, com descontos competitivos em rela\u00e7\u00e3o aos seus concorrentes no setor.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\"><em><strong>Enfrentar desafios tecnol\u00f3gicos e aproveitar oportunidades estrat\u00e9gicas \u00e9 fundamental para o sucesso empresarial. Voc\u00ea est\u00e1 pronto para impulsionar sua empresa rumo a um futuro mais lucrativo e eficiente?<\/strong><\/em><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><a href=\"https:\/\/www.linkedin.com\/showcase\/congero-latam\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Junte-se \u00e0 nossa rede no LinkedIn e compartilhe suas ideias.<\/strong>\u00a0<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Services Billing Overview: Streamlining Financial Operations in the Digital Age In the ever-evolving landscape of digital services, the billing process plays a pivotal role in ensuring seamless financial transactions. John\u2019s journey with T-Mobile serves as a compelling narrative, shedding light on the intricacies of billing, from credit checks to partnership settlements. After moving into a [&hellip;]<\/p>\n","protected":false},"featured_media":20982,"template":"","meta":[],"categories":[],"class_list":["post-20981","news","type-news","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Services Billing Overview: B2C Billing vs. B2B Billing, etc. - Congero Technology Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.congerotechnology.com\/es\/news\/services-billing-overview-b2c-billing-vs-b2b-billing-etc\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Services Billing Overview: B2C Billing vs. B2B Billing, etc. - Congero Technology Group\" \/>\n<meta property=\"og:description\" content=\"Services Billing Overview: Streamlining Financial Operations in the Digital Age In the ever-evolving landscape of digital services, the billing process plays a pivotal role in ensuring seamless financial transactions. John\u2019s journey with T-Mobile serves as a compelling narrative, shedding light on the intricacies of billing, from credit checks to partnership settlements. After moving into a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.congerotechnology.com\/es\/news\/services-billing-overview-b2c-billing-vs-b2b-billing-etc\/\" \/>\n<meta property=\"og:site_name\" content=\"Congero Technology Group\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CongeroTechnologyLATAM\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-18T22:44:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.congerotechnology.com\/wp-content\/uploads\/2025\/07\/SBO_Title.png\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.congerotechnology.com\/es\/news\/services-billing-overview-b2c-billing-vs-b2b-billing-etc\/\",\"url\":\"https:\/\/www.congerotechnology.com\/es\/news\/services-billing-overview-b2c-billing-vs-b2b-billing-etc\/\",\"name\":\"Services Billing Overview: B2C Billing vs. B2B Billing, etc. - 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John\u2019s journey with T-Mobile serves as a compelling narrative, shedding light on the intricacies of billing, from credit checks to partnership settlements. 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