Pix Automático, a new modality launched by the Central Bank a few weeks ago, starts operating this Monday (16). The feature was created to facilitate the payment of recurring expenses, such as tuition fees, condominium fees, subscriptions, health plans, and essential service bills. For small businesses that want to receive payments in this format, it is necessary to contract the service with financial institutions. As for consumers, its use is free.
Depending on the bank, entrepreneurs can sign up for the service through digital channels or branches. The cost of the service is informed at the time of enrollment. To prevent fraud, only companies that have been active for more than six months can offer Pix Automático as a payment method to their customers.
“According to a Sebrae survey, PIX is the preferred method for almost half of the country’s individual micro-entrepreneurs (48%). Additionally, 97% of entrepreneurs accept PIX as a payment method. Of all the resources moved in product sales, this model already accounts for 51% or more of companies’ revenue. It is a method that has already established itself. Technology is a concept that is here to stay, and small businesses use it to spread opportunities and increase job creation,” says Sebrae’s president, Décio Lima.
Compared to automatic debit, the new Pix modality allows companies, upon contracting the service, to receive funds automatically from customers of any financial institution. In the case of automatic debit, it is necessary to establish an agreement with each bank, which complicates the process for small businesses.
According to the 9th edition of Sebrae’s Pulse of Small Businesses survey, 94% of entrepreneurs already use Pix as a means of receiving payments, with 81% considering it the most important method for daily financial operations. Among the benefits highlighted by small business owners, the payment method stands out for its speed (89%), cost reduction (76%), ease of reconciliation (63%), and reduction in delinquency (54%).
Usage
“Pix has also proven to be a catalyst for the digitalization of small businesses, which now have access to a low-cost, easy-to-integrate, and immediate settlement payment solution. This allows micro and small businesses to compete on equal footing with large establishments in terms of payment speed and modernity,” emphasized Sebrae’s president.
