2023-11-08 17:25:00
Pix recorded 168 million transactions in a single day Edu Garcia/04.09.2023 In recent months, Pix has broken several records and its popularity among Brazilians is visible. On October 9, the instant payment method recorded 168 million transactions in a single day. Last year, Pix was the most used payment method in Brazil. In total, there were 24 billion transactions and R$10.9 trillion handled. The quantity is greater than that of operations with debit card, bank slip, TED, DOC and checks combined. See also Economy Pix breaks record of 168 million operations in a single day Economy Understand the court decision that forces banks to identify suspicious transactions Economy Value of forgotten money from the BC increases and reaches R$ 7.4 billion However, it is common people have some doubts about the tool. R7 separated some questions and answers about the technology launched by the BC (Central Bank) in 2020. Check them out below: 1 – What is the Pix key? “It’s like a nickname for your account”, says the monetary authority. When the sender makes a transfer via Pix, he needs to choose how the recipient will receive the money. The key options are: CPF/CNPJ, email, cell phone number or create a random number. Individuals can register up to five keys for each account, and legal entities up to 20. In other words, they are like the destination addresses of a letter sent to the post office. A person may have one or two homes, for example, so they can receive the order from multiple locations. Something similar happens with Pix keys. 2 – Will the key be the same for life, the same as CPF? No, you can change your keys by changing your customer details in the “My Keys” option in your bank’s application. To check which keys you have, check the Pix Keys Report here. 3 – Is payment/receipt really instantaneous? Yes, the deposit drops immediately. In fact, Pix was the second most used instant payment system in the world in 2022. In total, there were 29.2 billion transactions. With the number, 15% of operations of this type across the planet were carried out in Brazil alone. The data comes from research carried out in partnership between specialized companies ACI Worldwide and GlobalData. 4 – Is there a limit per transaction on Pix? There is no minimum limit for payments or transfers with Pix. But, for security reasons, for individual accounts there are pre-defined maximum limits at night, of R$1,000. During the day, the BC does not establish a ceiling. However, banks can impose some limitations, as with TED. However, the customer can also register specific accounts or users with different limits. 5 – If I make a wrong transfer, can I cancel it? To return an amount received through Pix, simply access the transaction you want to return in your bank’s application and make the return (it can be the full or partial amount). The payer can try to contact the person, looking for their agency or institution, to try to get their money back. There are no rules from the BC or National Monetary Council on refunds in case of mistake or error on the part of the payer, but Decree-Law 2848 (Penal Code), of 1940, deals with misappropriation. If the need for a return is due to fraud, scam or technical failures, you can file a complaint with your institution. 6 – Is it possible to schedule a Pix? Pix can be scheduled for a certain future date (Pix scheduled). The user must have sufficient balance on the date the transaction was scheduled. This functionality is mandatory for all Pix participants. 7 – If I don’t join Pix, will I be able to receive money transferred this way? Yes, the person receives the amount in their bank account as a transfer, without the need to have a Pix key. The person making the transfer needs to be registered.
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