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High demand during Christmas exposes companies to the risk of being banned from WhatsApp.

Christmas is approaching, and with it, the hottest retail season. And this year, one protagonist is gaining even more strength as the main battleground for sales: WhatsApp. According to a specialized report produced in partnership with Opinion Box, the channel remains the primary means of contact between consumers and brands in Brazil. The study shows that 30% of Brazilians already use the app to make purchases, while 33% prefer it for post-sale, surpassing traditional methods such as email and telephone.

“For years, WhatsApp was just a messaging app. Today, it’s the busiest marketplace in Brazilian digital retail,” says Alberto Filho, CEO of Poli Digital, a company from Goiás that works with official WhatsApp communication solutions.

And so, the pressure to beat the competition and for quick results at this time of year leads many companies to adopt practices that violate the policies of Meta, WhatsApp's parent company. The result? One of the biggest nightmares for any modern business: having their account banned.

“Understanding how the system works and what its limits are is important to ensure that the main sales showcase doesn't close its doors in the middle of Christmas week,” explains Mariana Magre, a specialist in WhatsApp customer service and Customer Success at Poli Digital.

She explains that the meteoric growth of WhatsApp Business has brought both opportunities and risks. The more essential the channel becomes, the greater the impact of its misuse. "The expansion has attracted not only legitimate businesses, but also spammers and scammers, which has led Meta to tighten its vigilance over suspicious behavior," she explains.

Meta Platforms announced that, between January and June 2025, more than 6.8 million WhatsApp accounts were banned, many of them associated with fraudulent operations, as part of a broader effort to crack down on the abuse of its messaging services by criminals.

“Meta’s system analyzes behavioral patterns to identify spam-like activity. Warning signs include sending an abnormally high volume of messages in a short period, a high rate of blocks and reports, and sending messages to contacts who have never interacted with the brand.”

The consequences vary. A temporary block can last hours or days, but a permanent ban is devastating: the number becomes unusable, all chat history is lost, and contact with customers is immediately cut off.

However, the expert from Poli Digital details that the majority of blocks occur due to a lack of technical knowledge. The most common infractions involve the use of unofficial versions of WhatsApp, such as GB, Aero, and Plus, and mass messaging via "pirate" APIs. These tools are not approved by Meta and are easily tracked by security algorithms, leading to almost certain bans.

Another serious mistake is buying contact lists and sending messages to people who haven't authorized receiving them (without opt-in). Besides violating the platform's rules, this practice drastically increases the rate of spam complaints.

The absence of a structured communication strategy worsens the situation: the excessive sending of irrelevant promotions and disregard for WhatsApp's commercial policies compromise the so-called Quality Rating, an internal metric that measures the "health" of the account. "Ignoring this rating and insisting on bad practices is the shortest path to a permanent block," Mariana emphasizes.

To operate safely, it is essential to understand the differences between the app versions:

  1. WhatsApp Personal: designed for individual use.
  2. WhatsApp Business: free, suitable for small businesses, but with limitations.
  3. Official WhatsApp Business API: a corporate solution that enables automation, multiple agents, CRM integration, and, above all, scalable security.

It is in this last point that the "trick" lies. The Official API operates within Meta's parameters, with pre-approved message templates, mandatory opt-in, and native protection mechanisms. Furthermore, it ensures that all communication follows the required quality and consent standards.

“At Poli Digital, we help companies make this transition safely, centralizing everything on a platform that integrates the official WhatsApp API with CRM. This eliminates the risk of blocks and keeps operations compliant,” explains Mariana.

A prime example is Buzzlead, a company that uses WhatsApp extensively for notifications and engagement. Before migrating, the use of unofficial messaging platforms caused recurring blocks and message loss. “When we started sending large volumes, we faced problems with number blocking. It was through Poli that we learned about the official WhatsApp API and were able to resolve everything,” says José Leonardo, director of Buzzlead.

The change was decisive. With the official solution, the company began operating without physical devices, using approved templates and drastically reducing the risk of being banned. "The results improved significantly, with a higher read rate and better delivery of notifications," the executive added.

Mariana summarizes the central point: “Migrating to the Official API is not just a tool swap, it's a change in mindset. Poli's platform organizes workflows, ensures compliance with rules, and monitors account quality in real time. The result is peace of mind to focus on what really matters: selling and building relationships with customers, especially at Christmas.”

"And if Christmas is the peak of sales, safety and compliance become the real gift for those who want to continue growing in 2025," concludes Alberto Filho. 

Online SMEs generated R$ 814 million in revenue during Black November 2025.

Small and medium-sized online retail companies achieved revenues of R$ 814 million during Black November 2025, a period of extended discounts throughout the month of November that includes Black Friday (November 28). This performance represents a 35% growth compared to 2024, according to data from Nuvemshop, a leading e-commerce platform in Brazil and Latin America, and highlights the maturity of the D2C (Direct-to-Consumer) model, in which brands sell directly to consumers through their own channels, such as online stores, without relying exclusively on intermediaries.

The breakdown by categories shows that Fashion was the segment with the highest revenue, reaching R$ 370 million, a growth of 35% compared to 2024. This was followed by Health & Beauty, with R$ 99 million and a 35% increase; Accessories, which generated R$ 56 million and grew by 40%; Home & Garden, with R$ 56 million and an 18% increase; and Jewelry, with R$ 43 million and a 49% increase.

The highest average ticket prices were recorded in the Equipment and Machinery segment, at R$ 930; Travel, at R$ 592; and Electronics, at R$ 431.

When broken down by state, São Paulo led sales with R$ 374 million, followed by Minas Gerais, which reached R$ 80 million; Rio de Janeiro, with R$ 73 million; Santa Catarina, with R$ 58 million; and Ceará, with R$ 43 million.

Throughout the month, 11.6 million products were sold, a volume 21% higher than that recorded in the previous year. Among the most sold items are fashion, health & beauty, and accessories. The average ticket price was R$ 271, 6% higher than in 2024. Social media continued to be one of the most relevant conversion drivers, accounting for 13% of orders, of which 84% came from Instagram, reflecting the strengthening of social commerce in the country and also the expansion of direct channels typical of D2C, connecting discovery, content, and conversion within the brand's ecosystem.

“The month has solidified itself as one of the main commercial windows for digital retail, functioning as a true “golden month” for SMEs. The distribution of demand throughout November not only reduces logistical bottlenecks but also increases sales predictability and allows entrepreneurs to plan more aggressive campaigns with a greater variation of benefits. For D2C operations, this predictability translates into better margin management and more efficient acquisition and retention strategies, supported by first-party data captured in direct channels,” explains Alejandro Vázquez, president and co-founder of Nuvemshop.

Trends Report: Consumer Behavior Across Brazil

In addition to sales results, Nuvemshop has prepared a report on national trends for Black Friday 2026, available here . The study indicates that commercial incentives remain essential during Black November throughout Brazil: 79% of retailers with monthly revenue exceeding R$20,000 used discount coupons, while 64% offered free shipping, actions that particularly boost conversion at the beginning of the month, when consumers are still comparing offers. Flash sales (46%) and product kits (39%) also gained prominence among larger entrepreneurs, increasing the average order value and repeat purchases.

According to Vázquez, in 2025, consumers will be much more informed and have clear expectations about extended discounts. “The D2C model proves even more advantageous in this scenario, allowing brands to control prices, inventory, and communication, offer personalized deals, and convert with greater predictability. Extending campaigns dilutes the pressure of Black Friday and helps build a solid customer base, focusing on retention and loyalty for 2026,” he states.

The report also reinforces the power of social commerce: among consumers who interacted with Nuvemshop's merchant brands, 81.4% made their purchases via mobile phone, with Instagram being the main gateway, accounting for 84.6% of social sales. Furthermore, Pix and credit cards remain the most used payment methods, representing 48% and 47% of transactions, respectively. This data also points to important transformations in consumer behavior.

During Black November, Nuvem Envio, Nuvemshop's shipping solution, established itself as the primary delivery method for merchants, handling 35.4% of orders and ensuring that 82% of domestic orders reached consumers within 3 business days.

The analysis considers sales made by Brazilian Nuvemshop stores throughout the entire month of November in 2024 and 2025.

Expert points out ten reasons why 2026 is the best year to start an e-commerce business.

Brazil already has 91.3 million online shoppers, according to ABComm, and widely publicized projections from the sector indicate that the country should surpass 100 million by 2026. The sector continues to expand, generating R$ 204.3 billion in 2024 and expected to reach R$ 234.9 billion in 2025, according to ABComm data. This growth, combined with the advancement of social commerce and the popularization of digital tools and artificial intelligence, reduces barriers to entry and makes it simpler to transform ideas into real businesses, especially for those who wish to become entrepreneurs in 2026.

For Eduardo Schuler, CEO of Smart Consultoria , a company specializing in scaling businesses by combining strategy, technology, and AI , this convergence opens a rare window of opportunity. The executive states that there has never been so much individual execution capacity, so much access to information, and so much consumer openness to new brands. “The scenario has never been more favorable. The combination of speed, low cost, and powerful tools makes 2026 the best year in history for those who want to start a business,” he emphasizes.

Below, the expert details the ten pillars that make 2026 the best year in history to start a business:

1. Record-breaking drop in initial business costs.

The reduced cost of digital tools, sales platforms, and AI solutions eliminates barriers that previously prevented new entrepreneurs. According to Sebrae (GEM Brazil 2023/2024), digitalization has drastically reduced initial operating costs, especially in sectors such as services and digital retail. Today, it is possible to launch a brand with few resources and minimal infrastructure. “The initial investment has fallen to a level that democratizes market entry and opens up space for those with good execution,” says Shuler .

2. Artificial intelligence increasing individual productivity.

Studies by McKinsey & Company (Generative AI and the future of work report, 2023) indicate that generative AI can automate up to 70% of the activities currently performed by professionals, allowing a person to achieve results comparable to the work of entire teams. Automations, co-pilots, and intelligent systems expand operational capacity and accelerate launches. "Never has an individual produced so much alone," the expert emphasizes.

3. Brazilian consumers more receptive to new brands.

Research by NielsenIQ (Brand Disloyalty Study, 2023) shows that 47% of Brazilian consumers are willing to try new brands, driven by the search for better prices, authenticity, and proximity. For Schuler, this openness reduces the acceptance time of new products. "Brazilians are more curious and less loyal, which creates fertile ground for those who are starting out," he points out.

4. Social commerce consolidated as a sales channel.

Today, a significant portion of Brazilian purchases happen directly within social media. Brazil is the 3rd largest social commerce market in the world, and the sector is projected to grow by 36% by 2026, according to Statista (Digital Market Insights, Social Commerce 2024). For Schuler, this expansion creates the biggest shortcut in history for selling without a physical store. "It's the first time that selling within content has become the norm, not the exception," he points out.

5. Unlimited and free knowledge to learn and execute

The availability of free content, courses, and tutorials reduces the gap between intention and practice. In 2023, Sebrae registered more than 5 million enrollments in online courses, a historical record. For Schuler, this abundance accelerates the learning curve. "Today, nobody really starts from scratch; the repertoire is within everyone's reach," he states.

6. Bureaucratic simplification thanks to technology

Instant payments, digital banks, electronic signatures, and automation have made financial and operational management much more agile. The Business Map (MDIC) indicates that the average time to open a business in Brazil has fallen to 1 day and 15 hours, the lowest level ever recorded. “Routines that previously required long periods are now completed in minutes, and this completely changes the game for small businesses,” he analyzes.

7. Historic expansion of Brazilian e-commerce

The forecast of exceeding 136 million online consumers by 2026, according to Statista (Digital Market Outlook 2024), reveals the highest level of digital maturity ever recorded in the country. For Schuler, this means a market ready to absorb new solutions. “Demand exists, it is growing, and there is room for those who want to build a brand,” he states.

8. Lower psychological barrier for those who wish to become entrepreneurs

The growth of creators, mentors, and entrepreneurs sharing their behind-the-scenes experiences has made entrepreneurship more common and less feared. According to the Global Entrepreneurship Monitor (GEM) 2023/2024, 53% of Brazilian adults say they intend to start a business, one of the highest rates in the world. “When everyone knows someone who has started, fear decreases and action increases,” he comments.

9. Faster execution and immediate validation.

The current speed allows for testing ideas, validating hypotheses, and adjusting offers in real time. The Webshoppers 49 report (Neotrust/NielsenIQ) indicates that small brands have gained ground precisely because they respond faster to consumer behavior, taking advantage of intelligent advertising tools, automation, and A/B testing. “The market has never been so agile, and this favors those who need to gain traction quickly,” he reinforces.

10. Unprecedented convergence between technology, behavior, and economy.

According to Schuler , the combination of low costs, open consumers, high demand, and powerful tools creates a rare alignment. Data from Statista, GEM, and Sebrae show that there has never been so much intention to start a business, so much digital demand, and so much accessible technology all at the same time. "It's a window of opportunity that simply didn't exist before. Whoever enters now will have a historic advantage," he concludes.

Uappi is hosting a free live event about artificial intelligence applied to e-commerce. 

Uappi, a Brazilian technology company specializing in multi-model e-commerce platforms, is hosting Uappi Live 360 ​​| AI Applied to E-commerce on December 9th, from 10:00 AM to 11:30 AM. This free online event is aimed at executives, decision-makers, leaders, and other interested parties seeking to apply artificial intelligence strategically, securely, and with a performance-oriented approach within their operations.

Broadcast live on Uappi's YouTube channel , the event will be hosted by Edmilson Maleski, CEO of Uappi, who will be joined by Betina Wecker (co-founder of Appmax and Max) and Rodrigo Cursi de Carvalho (Co-CEO, CXO and co-founder of Orne.AI and FRN³) to demonstrate how to apply end-to-end AI in the e-commerce journey, from decision-making to experience and retention.

“Artificial intelligence has ceased to be a promise and has become an immediate competitive factor. Companies that want to grow efficiently and predictably need to understand how to apply AI in practice, and our goal is to translate complexity into applied strategy, showing real paths for leaders who feel the pressure for results,” says Edmilson Maleski, CEO of Uappi.

According to Uappi, the market is experiencing a new cycle in which artificial intelligence is redefining processes, operational efficiency, margins, and purchasing behavior. The meeting was structured to offer practical, actionable, and business-oriented content, focusing on increasing operational efficiency, improving decision-making, reducing friction and costs, personalization at scale, accelerating sales and retention, and predictability and governance.

Registration is free and can be done via the link . The event will be divided into two presentations, followed by opening and closing remarks:

1) AI applied to e-commerce: lessons from Black Friday and strategies to sell more intelligently, with Betina Wecker – Co-founder of Appmax and Max.

The executive presents recent case studies and lessons learned from Black Friday 2025, as well as strategies for applying AI in different stages of the operation, such as fraud prevention, sales recovery, personalization, and consumer behavior analysis. Key topics include new consumer behavior, where AI has a greater impact, real-world cases and results achieved, strategies for Christmas and the end of the year, and the hybrid future: humans + machines.

2) Case Study: Leveros + Orne.AI: AI to enhance experience and efficiency in e-commerce, with Rodrigo Cursi – Co-CEO and CXO of Orne.AI.

The presentation explores the case of Leveros, one of the largest refrigeration companies in the country, which is transforming its operations with AI to reduce friction, anticipate needs, and accelerate decisions even in contexts of high seasonality and complex logistics. The main points of the case are the challenges, why AI was the path, the solution, and the results.

Timeline

  • 10:00 AM – Opening | Edmilson Maleski – Uappi
  • 10:10 AM – AI applied to e-commerce | Betina Wecker – Appmax and Max
  • 10:40 am – Case Leveros + Orne.AI | Rodrigo Cursi – Orne.AI
  • 11:10 AM – Closing | Edmilson Maleski – Uappi

Retail sector closes November with a 28% increase in omnichannel store revenue.

Brazilian retail results in November point to a more robust end of the year, according to a survey by Linx, a retail technology specialist. Omnichannel operations, which integrate physical and digital stores, recorded a 28% increase in revenue, a 21% growth in the number of orders, and an 11% higher average ticket compared to November 2024.

According to Cláudio Alves, Executive Director of Enterprise at Linx, the performance shows that the maturity of omnichannel strategies in Brazil is advancing steadily and does not depend exclusively on major promotional dates. “Retail is reaping the benefits of more integrated processes between physical and digital stores. Companies that have unified inventory, payment methods, and customer journeys with a focus on the consumer continue to perform above average, bringing confidence to December, a naturally strong period due to Christmas,” he states.

In digital retail, brands' own e-commerce sites grew 6% in revenue, with a 28% increase in the number of sales and an 11% increase in the number of items sold. In marketplaces, Linx's clients recorded a 23% increase in revenue and a 22% increase in order volume compared to November 2024.

According to Daniel Mendez, Executive Director of E-commerce at Linx, the movement reflects more active consumers and more efficient operations. "The sustainable growth of the proprietary channel shows that brands are evolving in the digital experience, with performance distributed throughout the month, signaling greater predictability and consolidation of e-commerce strategies," he comments.

With this set of positive indicators, the retail sector begins December with good expectations. The combination of a strengthened omnichannel approach, a more mature e-commerce platform, and expanding marketplaces should boost Christmas shopping, demonstrating a consumer willing to buy and a sector increasingly prepared to capture this demand.

Amazon Brazil celebrates milestone of over 1 million gifts shipped in 2025.

With the approach of the holiday season, Amazon Brazil announces a significant achievement: in 2025 alone, more than 1 million orders on Amazon.com.br were delivered using the company's gift wrapping service. This unique feature has already connected customers throughout the country, totaling more than 5 million gifts sent since 2022. The option to gift wrap items at the time of purchase and include messages is a convenience offered by Amazon in the country, making the delivery of products a personalized way to express affection and celebrate.

To celebrate this milestone, the company launched a new institutional film that reinforces its role in connecting people and bridging distances throughout the year, highlighting convenience and customer focus, as well as transforming each delivery into smiles and connections. In the film, Amazon details the entire journey of a gift, from the moment of purchase in the online store, through the care of its employees in handling orders, the efficiency of the company's logistics centers and the delivery route, to the emotion of its arrival at the door. To watch the full video, click here .

For customers who still wish to give gifts to loved ones during the holiday season, Amazon includes an estimated delivery date showing how many days before Christmas their order will arrive. For those who choose the gift wrapping option and want to write a personalized message, this feature can be found before finalizing the purchase, at the bottom of the checkout page, in the same section where the customer chooses the payment method and selects the delivery address. In this area, it is possible to:

  • Add gift wrapping to your order.
  • Write a personalized message to accompany the product.

This feature allows customers to personalize the gift-giving experience, making each delivery more special and meaningful, especially for those sending gifts to loved ones who live far away.

High-performance planning: how to transform strategies into continuous results.

Between the birth of an idea and the realization of a project, there is a stage that defines the future of any company: execution. It is not the most robust planning that determines success, but rather the ability to transform strategy into daily practice. Planning is important, but consistent execution is indispensable. It is this discipline that separates ordinary businesses from those that grow exponentially.

The first step in bringing any initiative to life is establishing strategic clarity. Teams perform at a high level only when they precisely understand the actions and priorities. For practices to become natural, the plan needs to be simple, objective, and measurable—something that allows each person to know exactly how to contribute, what to deliver, and how to measure progress. 

With clarity established, what truly sustains high performance is rhythm. Continuous action is not the result of intense moments, but of consistency. Organizations grow when they establish periodic alignments, short goal cycles, and frequent reviews to correct deviations before they become irreversible. Sustainable growth stems from the ability to succeed, fail, and adjust quickly. 

However, no strategy progresses without leadership prepared to drive the team forward. A high-performing leader doesn't concentrate tasks, but removes barriers, establishes priorities, and keeps the team focused; in other words, they guide, simplify, and unlock potential. This approach creates an environment where everyone knows what to do and feels secure enough to act. Focus is another crucial element; companies lose momentum when they accumulate initiatives that are never completed. It's necessary to choose the essential, eliminate the superfluous, and direct energy toward what truly moves the strategic needle, which goes beyond time management and is, above all, emotional discipline.

Another crucial element is the intelligent use of metrics. Indicators are not bureaucracy; they provide direction, and when well-defined, they show whether the strategy is working, reduce noise, and speed up decision-making. Companies that monitor the numbers methodically can anticipate trends, correct course, and accelerate the impact of their planning.

Finally, maintaining continuous execution requires adaptability. A strategic plan should serve as a guide, but never as a rigid obligation. The scenario changes, needs evolve, and the company needs to adjust its actions quickly. Operational maturity lies in balancing discipline with flexibility, following the plan, but adjusting course whenever reality demands it. Consistent growth doesn't arise from isolated moments of effort, but from a process that makes action inevitable. When execution becomes culture, expansion ceases to be just an ambition and becomes a method.

Ycaro Martins is a specialist in expansion and high-performance businesses, CEO and founder of Maxymus Expand, a company focused on strategic structuring, acceleration, and growth of commercial operations in various segments. With over 20 years of experience in entrepreneurship, he has built a solid career with innovation and excellence in management. Through his expertise, he brings to the market the methodology and mindset of transformation and expansion. Founder of Vaapty, one of the largest companies in the automotive intermediation segment in the country with over R$ 2.6 billion in commercial operations. In 2025, he will join, as a mentor and investor, the Anzol de Ouro program, an initiative of FCJ Group, official sponsor of the 10th season of Shark Tank Brasil, the largest entrepreneurship and innovation reality show in Latin America.

Startup launches first 100% online journey to purchase health insurance.

The number of Brazilians with health insurance plans reached 52.8 million in June 2025, the highest level ever recorded. The sector generated approximately R$ 190 billion in the first half of the year, consolidating the country as the largest private healthcare market in Latin America . Click Planos projects reaching R$ 6 million in revenue by 2026 and achieving a valuation of R$ 50 million , driven by the expansion of digitalization in access to health insurance plans. However, the sector's expansion contrasts with a persistent contradiction: the contracting process remains slow, complex, and dependent on human intervention. In this scenario, the advancement of digital platforms is beginning to break a historical cycle of inefficiency.

According to Gustavo Succi, President of Click Planos, digitalization is not just a matter of convenience, but of access. “Consumers no longer accept waiting days for a response or filling out dozens of forms to get a plan. They want clarity, comparison, and savings, with decisions made in minutes, not days or weeks. Technology shortens the path between the desire for protection and the contracting of a plan,” he states. This movement reflects a broader market trend, in which digital transformation is reshaping how essential services reach the population, from education to the financial system, and now to healthcare. The digitalization of the sector, previously seen as a technological advancement , has become an economic and operational necessity, driven by increased demand, an aging population, and the operators' pursuit of efficiency. Click Planos connects consumers directly to health insurance providers, offering a 100% digital that combines speed, security, and humanized service, placing itself at the heart of this structural change that is redefining access to private healthcare in Brazil.

The traditional model, still centered on brokers and manual steps, faces a fragmented and opaque approval system. Today, someone wanting to purchase a health plan is forced to wait for a broker to contact them, gather information, and only then receive quotes. Furthermore, the sheer volume of information for each plan makes it difficult to understand. “Most people want to understand if the plan fits their budget, if it covers the main hospitals in the region, and if the contracting process is quick and without bureaucracy. This clarity is what Click Planos delivers in a much more agile way.” The platform works not only by creating comparisons but also by highlighting plans with the biggest discounts for the user's profile, which reduces costs and increases the transparency of the process. “The big turning point is returning control of the process to the consumer. Healthcare should be simple, direct, and accessible, and this is only possible with technology. It took two years between market research and platform development. Today, we have a patent for the solution in Brazil and are in the process in Switzerland. Internationalization for 2028,” adds Succi.

Click Planos' founding team includes individuals from diverse fields with complementary expertise in healthcare, technology, law, and finance. In addition to Gustavo Succi, entrepreneur, founder, and President, the company's ownership structure includes Caio H. Adams Soares, COO and lawyer specializing in healthcare law; Victor Reis, president of the Med+ Group; José Lamontanha, CTO and responsible for the platform's technological development; and Fabrizio Gueratto, partner at Banco Modal, who provides strategic and communication support.

The digitalization of access to healthcare signals a new cycle for the sector, which now combines technological efficiency with empathetic service . In practice, by accessing the website  clickplanos.com.br , the consumer provides their basic information, such as city, age, and type of coverage desired, and in a few seconds sees on the screen the available health plan options that serve their region. The system uses artificial intelligence to cross-reference information on price, accredited network, and user profile, facilitating comparison between operators. The platform currently brings together 1,039 plans and a network of 1,135 accredited hospitals throughout the country. Contracting is done entirely online, with specialized real-time support and validation of operators registered with the ANS (National Agency for Supplementary Health). "The model allows a process that previously took days to be completed in about 2 minutes , bringing agility and transparency to one of the most bureaucratic stages of the sector," concludes Succi.

The Central Bank is foregoing consumer protection by not regulating credit linked to Pix.

The Brazilian Institute for Consumer Protection (Idec) considers the Central Bank's decision not to regulate credit operations linked to Pix, popularly known as "Pix Parcelado," unacceptable. The choice to abandon the creation of rules and allow each institution to operate "as it pleases" creates an environment of regulatory disorder that tends to amplify abuses, confuse consumers, and deepen over-indebtedness in the country.

Although the Central Bank decided to veto the use of the brand “Pix Parcelado”, allowing institutions to adopt variations such as “parcelas no Pix” or “crédito via Pix”, the change in nomenclature does not eliminate the central risk: the consumer will continue to be exposed to highly heterogeneous credit products, without any minimum standard of transparency, without mandatory safeguards and without predictability regarding interest rates, charges, provision of information or collection procedures.

By backing down from regulatory complexity, the Central Bank makes it clear that it has chosen not to confront a problem that is already underway. Instead of establishing rules to protect millions of Brazilians, it transfers the responsibility to the "free market," leaving families unprotected in a scenario where banks and fintechs have complete freedom to define conditions, formats, and costs, including the most abusive ones.

This choice is especially serious in a country where over-indebtedness has already reached alarming levels. The type of credit linked to Pix, precisely because it is present at the moment of payment and associated with the most trusted brand in the Brazilian financial system, creates unique risks: impulsive contracting, confusion between payment and credit, little or no understanding of charges and the consequences of non-payment. Without standards and oversight, the risk of financial traps grows exponentially.

Idec warns that Brazil is heading towards a scenario in which the same product will function in completely different ways at each bank, with its own rules, distinct contracts, varied forms of collection, and divergent levels of protection. This fragmentation compromises transparency, hinders comparison, prevents social control, and makes it almost impossible for the consumer to know, in fact, what they are contracting.

It is unacceptable that, when faced with an issue that directly affects millions of people, the regulatory body abdicates its responsibility. It is not enough to "monitor the development of solutions"; it is necessary to regulate them, oversee them, and guarantee minimum standards of financial security. To abandon this is to abandon the consumer.

Pix was created as a public policy to democratize payments. Transforming it into a gateway for unregulated credit, without addressing the risks and without protecting those who need it most, jeopardizes this achievement. Idec will continue to work to demand standardization, security, and transparency.

WhatsApp: How to scale sales in 2026?

Being online today is no longer enough for a company to thrive and stand out. The modern consumer demands fast and personalized service from their brands, without excessive bureaucracy or difficulty in completing their purchases – something that can be provided very effectively through WhatsApp.

In addition to being one of the most used channels for personal purposes in Brazil, it has also become a powerful tool for communication between companies and their customers, offering a range of features that optimize and enrich each customer's journey, while maintaining maximum security regarding the data shared there.

Its WhatsApp Business API version was specifically developed for organizations that need scalability, integration with internal systems, and governance over message flow. It allows for centralized customer service, control over who sends messages and how they are sent, configuration of authentication layers and user permissions, and integration with CRMs, automation, and chatbots with end-to-end encryption, for example.

In this way, instead of relying on personal accounts or physical cell phones to conduct this communication, brands begin to operate in a structured, secure, and auditable environment, which is fundamental for privacy, compliance, and the LGPD (Brazilian General Data Protection Law). Structured processes lead to a more reliable and predictable operation, which reduces rework, prevents data loss, and increases the efficiency of the sales team, decreasing response time and facilitating large-scale personalization, while maintaining brand consistency and the message used.

The results of these efforts go far beyond just increased profits. This year's Opinion Box survey revealed that 82% of Brazilians already use WhatsApp to communicate with businesses, and 60% have already made purchases directly through the app. This data shows how operational efficiency on the platform not only contributes to greater optimization of customer service, but, above all, to greater customer satisfaction through the clarity, speed, and continuity of the journey within the same environment.

What happens, on the other hand, when these precautions are neglected? Instead of acting as a strategic channel for a close relationship between the parties, its improper use makes it a vulnerability to the prosperity of the business, opening the door to risks of data leaks, cloning or theft of the account, loss of service history, among many others that will impact its credibility with the market, blocking of the business number and, in the worst case, termination of operations.

Avoiding these risks depends not only on the technology itself, but also on paying attention to the structured processes within that channel, creating a culture focused on this perspective, and, of course, implementing continuous training that keeps teams capable of conducting strategies with maximum effectiveness in the channel.

Security and scalability will always go hand in hand. Without the former, operations become a bottleneck. However, when ensured, it becomes an engine for continuous growth. In this sense, some of the best practices that all companies should value include using their Business API version instead of personal accounts, managing access permissions per employee, and creating clear internal policies for communication and data handling.

Regarding the security of its use, it is essential to adopt multi-factor authentication (MFA) for all access accounts, in addition to integration with CRMs to avoid loose data or manual exports, and the development of chatbots and guided flows to standardize the first stage of customer service. Continuously monitor each stage conducted by consumers, and perform ongoing audits of the conversation history, tracking these interactions and identifying how they can be improved.

Companies that treat WhatsApp as a strategic channel, and not just as a messaging app, create a real competitive advantage in a highly connected market. Ultimately, it will always be the details and care in personalizing customer service that make the difference in building customer loyalty.

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