Fixed Pix fee reduces processing costs for businesses by up to 50%.

Despite recent controversy surrounding the possibility of the government imposing a tax on PIX transactions, the reality is that the PIX fee is already authorized by the Central Bank since 2020 (Resolution no. 30/2020) and typically deducts significant percentages from merchants' and service providers' profits. To reduce this cost, associated with processing these transactions, a trend is solidifying to fix the payment amount per transaction instead of linking the fee to a percentage of the sale.

This is the possibility offered by 'RAPIDINHA PIX EDAN', the POS (point-of-sale) terminal. Composed of a solution developed by EDAN Finance Group, it has just entered the market. The fintech-created equipment fixes the value of each instant payment transaction at R$1.50, making the process much more economical and streamlining operation reconciliation for merchants and service providers.

EDAN Finance Group Co-Founder & CEO, Eduardo Sgobbi, explains that by setting the transaction cost at just R$0.50, RAPIDINHA PIX offers undeniably cheaper processing to the market. "This becomes clear if we imagine a business that currently pays R$1.10 on each sale. If they make one thousand sales per month at R$100 each, they'll pay R$1,100 in fees. But if they use 'RAPIDINHA PIX EDAN,' they'll pay R$500, meaning a savings of R$600," he explains.

The executive states that, beyond furthering this trend, "RAPIDINHA PIX" is positioned at the forefront of a new generation of payment machines, designed to offer the market the full benefits made possible by Pix innovations.

In this sense, he cites other equipment functionalities, which include the ability to use Pix for the store to facilitate cash withdrawals for its customers at the establishment's cashier. To do this, simply click on the 'Pix Withdrawal' option on the machine. The merchant must transfer the amount requested by the customer without additional costs, as determined by the Central Bank, and hand over the requested amount in cash; the merchant's profit will be paid by the customer's financial institution and credited to the establishment's account. 

"This represents a direct increase in revenue from service provision and site security by removing physical cash from the establishment," he/she states.

Eduardo Sgobbi highlights that in 2024, Brazil reached approximately 64 billion PIX transactions, representing approximately R$26.4 trillion. "In EDAN, with the launch of 'RAPIDINHA PIX,' we estimate reaching around 13 million transactions per month in 2025, with an average ticket of R$50.00, meaning a monthly volume of R$650 million, which will represent R$7.8 billion annually," he says.

He further highlights the equipment's improved usability and management for retailers. "The seller receives immediate confirmation of the payment when the money hits the store's account, eliminating the need for the customer to show a receipt on their phone, send it via WhatsApp, or wait for confirmation from the Finance Department," he emphasizes.

Additionally, the recipient can also view the statement of all transactions processed through their "RAPIDINHA PIX EDAN" account. "The store's financial manager can monitor all payments made using the "RAPIDINHA PIX EDAN" terminals at various stores in real time, the credit applied to their account, and can reconcile it with the bank statement—all quickly, reliably, and with high-tech capabilities," he explains.

According to him, there are approximately 4.4 million commercial establishments in Brazil, and EDAN Finance Group's goal is to reach 11% of that base in the next 3 years, or about 484,000 establishments. "In the long term, we intend to place at least three devices per establishment, meaning 132,000 EDAN RAPIDINHAS PIX in circulation. We strongly believe in PIX as a form of settlement, not only in Brazil but also for Brazilians abroad," he concluded.