The Central Bank (BC) began to offer this Monday (3) the possibility of the Brazilian to pay his slips via Pix.
This is another step in the municipality for the modernization of the country’s banking system by incorporating, according to the BC, “the agility, convenience and wide acceptance of the PIX to the experience of using the payment slip”.
Created in October 2020, the BC payment tool seeks to make the access and use of the banking system faster, practical and cheap.
According to the municipality, “any payment or transfer that is made today using different means (TED, card, ticket etc.), can be done with Pix, simply using the mobile device.” Thus, Pix can be used to:
- Transfers between people;
- Payment in commercial establishments, including physical stores and e -commerce;
- Payment of service providers;
- Payment between companies, such as supplier payments, for example;
- Collection of revenues from federal public agencies such as fees (court costs, passport issuance, etc.), public real estate rentals, administrative and educational services, fines, among others (these payments may be made through pagtesouro);
- Payment of invoices for public services such as electricity, telecommunications (mobile phone, internet, cable TV, landline) and water supply;
- Collection of FGTS and social contribution contributions.
Unlike other means of payment, Pix has no time restrictions. It works 24 hours, 7 days a week, allowing transactions among any financial institutions.
Pix also has no restrictions on values, and transactions can be performed from R $ 0.01. However, to ensure the safety of the banking system, some institutions that offer PIX set value limits based on criteria for mitigating fraud risk and money laundering prevention criteria and terrorism financing.
Next, check out some of the features that Pix already has to make life easier for the Brazilian, and others that are still planned by the Central Bank.
Dynamic ticket
Launched this Monday, the sport allows the.
With the new rules of improvement of the municipality, the so -called “dynamic ticket”.
The payer may use the same ticket due, whether digital or physical, to comply with payment automatically and directly.
The BC states that, to ensure the proper direction of resources paid automatically, the dynamic ticket will be linked to the title, digitally issued in systems authorized by the municipality.
The Central Bank will still define the financial assets that may be linked to the dynamic ticket, “in order to ensure the health and security in the use of this new form of payment instrument.”
Pix withdrawal and pix change
The modalities allow you to perform, respectively:
- Withdrawals of money in stores, lotteries or ATMs, for example;
- Purchase a product or service and also enjoy making a cash withdrawal.
Pix by approximation
The consumer can already make payments approaching their card or device – cell phones and smartwatches – where it is linked.
Since the end of last year ,. At first, the tool was available by Google Pay for C6 Bank, PicPay and Itaú Unibanco customers.
.
Automatic pix
Also called, the modality will allow the user to program and schedule payments that are recurring such as, for example, electricity bills, telephone, school tuition, gym, condominiums, signatures and others.
To use the service, the payer must allow the collector to send the amounts periodically.
.
Still, to test them.
Future agenda
In addition to these proposals that are already closer to “out of the oven”, BC also works other fronts in its PIX optimization agenda and banking modernization.
Among the measures worked are:
- QR code generated by the payer;
- GUARANTEED PX (allows you to schedule and parcele payments);
- Tool for consulting transactions settled on the SPI;
- Centralized Platform (Centralized PIX collection Intelligent Contracts; Duplicate in Pix);
- International Pix;
- Payment API;
- New forms of PIX initiation (NFC; Bluetooth; RFID; Facial Recognition).
