Pix Saque and Pix Troco will be available next week; See the details

According to BC, the offer of the two new services will be optional, leaving the final decision to commercial establishments. Photo: Marcello Casal Jr / Agência Brasil

The Central Bank (BC) published a resolution in the Official Journal on Friday (26) amending the regulation of Pix, an instant payment system that just ended one year, to include withdrawal and change terms, which will be at available to Monday users (29). According to BC, offering the two new services will be optional, with the final decision resting with commercial establishments, companies that own self-service networks and financial institutions.

Pix Saque will allow users to withdraw funds at points that offer the service, such as commercial establishments, shared ATM networks and Pix participants. In order to have access to cash resources, the customer will perform a Pix for the establishment in a dynamic similar to a normal Pix, from reading a QR Code or from the service provider’s application.

In Pix Troca, the dynamics are practically identical. The difference is that the withdrawal of in-kind resources can be done when paying for a purchase at the facility. In this case, the Pix is ​​made for the full value, i.e. the purchase plus the withdrawal. The customer’s statement will show the amount corresponding to the withdrawal and the purchase. The maximum limit for Pix Saque and Pix Troco transactions will be R $ 500.00 daytime and R $ 100.00 night (8 p.m. to 6 a.m.).

According to the Central Bank, no fees will be charged by the institution holding the deposit account or prepaid payment account to perform Pix Saque or Pix Troco for up to eight monthly transactions. From the ninth transaction performed, the financial or payment institutions holding the paying user’s account can charge fees for the transaction. “Users will never be able to be billed directly by the withdrawal agents”, stressed the BC.

For the merchants who provide the service, the Pix Saque and Pix Troco operations will represent the perception of a commission that can vary from R $ 0.25 to R $ 0.95 per transaction, depending on the negotiation with their relationship institution. the costs of establishments with cash management, such as those linked to security and deposits, in addition to allowing establishments to have more visibility for their products and services (“showcase effect”) “, specifies the BC. With information from Agência Brasil.

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