The Pix Automatic, new modality launched by the Central Bank a few weeks ago, starts operating on Monday (16). The functionality was created to facilitate the payment of recurring expenses, such as monthly fees, condominium fees, subscriptions, health plans and essential services accounts. For small businesses that want to receive payments in this format, you must contract the service with financial institutions. Already for the consumer, the use is free.
Depending on the bank, entrepreneurs' membership in the service is available on digital channels or in agencies. The cost of the service is informed at the time of membership. As a way to avoid scams, only companies that have been active for more than six months can offer the Automatic Pix as a form of payment to their customers.
“According to Sebrae research, PIX is the preferred modality by almost half of the individual microentrepreneurs of the country (48%). In addition, 97% of entrepreneurs accept PIX as a form of payment. Of all the resource moved in the sale of products, this model already accounts for 51% or more of the companies' revenues. It is a means that has already consolidated. Technology is a concept that has no return and small businesses use to spray opportunities and increase the generation of jobs”, points out the president of Sebrae, Decio Lima.
In comparison with automatic debit, the new Pix modality allows the company, from the contracting of the service, to receive the resources automatically from customers of any financial institution.In the case of automatic debit, it is necessary to enter into an agreement with each of the banks, which makes the process difficult for small businesses
According to the 9th edition of the research Pulse of Small Businesses of Sebrae, 94% of entrepreneurs already use Pix as a means of receiving, and 81% consider it the most important method for the day to day financial. Among the benefits pointed out by small business owners, the form of payment stands out for agility (89%), cost reduction (76%), ease of reconciliation (63%) and the decrease in default (54%).
Utilization
“O Pix also shows itself as a catalyst for the digitalization of small businesses, which have come to rely on a low-cost receiving solution, easy integration and immediate settlement.This allows micro and small companies to compete on an equal footing with large establishments in terms of agility and modernity in the” payments, stressed the president of Sebrae.