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O PIX It is here to stay and, in a short period of operation, it has already become more popular than other traditional payment methods in terms of use.
With it, you can make purchases and transfer and receive payments instantly. Every day and at any time. And all of this is very simple and fast.
It was launched in November 2020 and since then, it has improved and continues to evolve. Today it is even possible to do the Pix in installments.
So, below, you will find detailed information about this payment. Look!
Since November 2020, the Pix is in operation as a form of electronic and instant payment.
It was developed by the Central Bank with the aim of making people's financial lives easier.
This is because, through it, it is possible to make payments and receive amounts in up to ten seconds, at any time, every day of the week.
So, just to give you an idea, you can make instant transactions, including on holidays and weekends.
So, to use it is very simple: you just need to register a key Pix in your bank account or use a QR Code to make transfers between individuals and legal entities.
The keys to Pix They are a way of identifying the user within the system.
Therefore, they are like an address or an “alias” for the account, as the Central Bank described it.
There are different types of keys, which include:
Therefore, these keys allow a person to make a payment for the Pix just typing the other person's cell phone or CPF.
Therefore, there is no need to inform the bank, branch, account number and other details required in a TED transfer, for example.
So, today each individual can have up to five keys per account in their name. While a legal entity can have up to twenty keys registered in a single account.
Many people wonder whether the Pix taxed! So, for users who are individuals, it is free.
However, there may be charges for sending or receiving Pix when the account belongs to a legal entity.
Therefore, the fee in these cases is determined by the bank itself. Many institutions offer the Pix free of charge, including for business accounts.
In fact, individual microentrepreneurs are entitled to up to 30 free transfers per month.
Then, after exceeding this limit, additional fees may be charged. This same rule applies to individuals who receive more than 30 transactions related to purchases and sales of products or services.
O Pix Nubank and some other financial institutions offer the option of Pix with a credit card.
So, basically with this function you can make use of your card's limit to make instant payments.
Therefore, you use the Pix with credit card. In fact, with this same modality the user has the Pix in installments.
However, both operations usually charge fees. Therefore, they may not be as advantageous as using a credit card itself.
Therefore, it is necessary to pay attention to the rules and amounts charged so as not to burden your pocket.
The Central Bank ensures that transactions carried out by the Pix follow the same security measures adopted to protect transfers via TED and DOC.
Therefore, responsibility for possible fraud lies with the banking institutions that offer the service.
As for users' personal data, they are protected by banking secrecy established by Complementary Law No. 105, together with the General Data Protection Law, in force since September 2020.
However, the Central Bank recommends some caution when using this payment system.
This is because there are scammers who try to apply fraud. Therefore, to protect yourself, always check the data before making a transfer and avoid clicking on links outside the official communication channels of financial institutions.
Recently, there have been reports from customers of different financial institutions about the unavailability of the service Pix.
If this happens, it is recommended to restart your bank's application and try to perform the operation again.
So, if the error persists and you need to carry out an immediate bank transaction, you can consider other options, such as using your debit card or making transfers using conventional methods.
However, it is important to note that this type of problem is uncommon and you will rarely encounter a situation where the Pix offline.
