PIX: fee collection for companies is allowed and banks have joined; see what they are and how much they charge

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The four largest banks in the country with open capital tax transactions in the modality; measure has been regulated by the BC since 2020. Payments via PIX are used by 61% of Brazilians, according to the Central Bank. Giovane Oliveira/SEMUC PMBV The announcement made by Caixa Econômica Federal that it would charge fees on PIX transactions made by legal entities generated a wave of comments on social networks and even had interference from the Planalto Palace to suspend the decision. In a note sent last Tuesday (20), the bank said it suspended the charge so that customers can adapt to the rule and resolve doubts. “Caixa’s decision to charge for the service had been defined since last year and was not implemented due to the need to adapt internal systems”, said the bank. Central Bank of Brazil (BC) in 2020, there is no fee charged for individuals to make or receive a PIX. There can only be a charge if: the customer, when making a PIX, uses face-to-face or telephone channels, even with others available ; or if the customer, when receiving a PIX, is receiving money for commercial purposes, exceeds 30 PIX per month or receives it with a dynamic QR Code or QR Code from a legal entity payer. The municipality also informs that these rules do not apply to transactions withdrawal of money, which have specific rules (eight free transactions per month, including traditional withdrawal operations). In addition, the BC details that individual microentrepreneurs (MEIs) and individual entrepreneurs (EIs) have the same rules as people physical. As for other legal entities, the fee may be charged in the following situations: When sending PIX (transfer situations) If the recipient is an individual and uses the PIX, informing account data, key or initiation of payment transaction; If the recipient is a legal entity and uses PIX, informing account or key data. On receipt of PIX (purchase situations) If the payer is an individual; If the payer is a legal entity and uses PIX by QR Code or initiation service. It is worth emphasizing, however, that there is no rate defined by the BC for the collection, so that the pricing model (fixed or percentage cost) and the tariff values ​​can be freely defined by the institutions. See below the position of some institutions regarding the collection of PIX transactions made by legal entities. Banco do Brasil (BB) According to the bank, transactions via PIX are free for transfers and payments made by physical persons, MEIs and EIs. The PIX tariffs charged from companies are included in all baskets of benefits and the amounts established by BB comply with the Consumer Protection Code and the rules established by the National Monetary Council (CMN) and the Central Bank. Among the transactions charged from companies by the bank are: Receipt of the PIX via QR Code: payment of 0.99% of the amount received in tariff, limited to R$ 140; PIX transfer: payment of 0.99% of the shipping fee, with a minimum of R$ 1 and a maximum of R$ 10. The institution also informed that it offers the following types of PIX: PIX settlement of the transaction for up to 360 days; QR Code PIX: allows the issuing customer to generate QR Code to facilitate the reconciliation of their receipts; PIX Cobrança: allows the customer to generate payment requests due for the current or future date. A QR code is generated that can be made available by the recipient to the paying recipient; Boleto PIX: allows legal entities to receive a boleto via PIX, by linking a QR code to the boleto itself; PIX Withdrawal and PIX Change: allows PIX user customers to withdraw or receive change in cash (cash) at one of the commercial establishments authorized to provide the service; BB Parcela PIX: offers payment in installments of the value of a PIX through a personal loan, in the PIX environment itself. Bradesco In a note, Bradesco stated that the PIX is charged to legal entities, in accordance with BC regulations. Among the transactions charged from companies by the bank are: PIX Withdrawal: BRL 2.50 per transaction; PIX Exchange: BRL 2.50 per transaction; Receipt via QR Code: payment of 1.40% of the amount received in tariff, with a minimum of R$ 0.90 and a maximum of R$ 145; Transfer to PIX payment: payment of 1.40% of the amount sent in fees, with a minimum of BRL 1.65 and a maximum of BRL 9. Itaú Unibanco Itaú Unibanco reported that transactions via PIX are exempt from fees for all individual customers, MEIs and EIs, highlighting that the charges apply only to companies and they have not suffered any increase in value since its implementation. “It is important to point out that corporate clients [pessoas jurídicas] have, according to the profile, a number of free transfers in the Itaú Empresas service packages, which includes a progressive and automatic tariff reduction in additional use – always seeking to maintain the best cost-benefit ratio for customers”, said the bank in a note. For companies, the levy is as follows: For PIX Transfers: 1.45% of the transaction value, with a minimum of R$ 1.75 and a maximum of R$ 9.60. According to the bank, the cost is levied on transactions that exceed the contracted plans, which include 10 to 22 free transactions; For PIX Receipts: 1.30% of the transaction value, without floor and with a maximum of R$ 150 for transactions at the machines or static QR Code. Dynamic QR Code, there is a minimum floor of BRL 1; For Bolecode (receipt of PIX in the slip): Single fee of up to BRL 5.50 per slip. Santander In a note, Santander reported that all transactions made by individuals are free and that MEIs and EIs are exempt from fees for sending and receiving PIX via static QR Code. “For other legal entities, the charge varies according to the character of the transfer and type of operation, as defined in a published table”, said the bank. Among the transactions charged from companies by the bank are: Withdrawal PIX: BRL 2.50 per transaction; Withdrawal Troco PIX: BRL 2.50 per transaction; Payment/Transfer PIX: payment of 1.40% of the transaction amount, with a minimum of R$1.75 and a maximum of R$9.60; PIX receipts via Simple QR Code – Static settlement (except via Checkout): BRL 6.54 per transaction; PIX receipts via Advanced QR Code settlement – Dynamic (except via Checkout): BRL 6.54 per transaction; PIX receipt with QR Code settlement via Checkout: payment of 1.40% of the transaction value, with a minimum of BRL 0.95. PIX receipt with QR Code settlement via Getnet: payment of 1.40% of the transaction value, with a minimum of R$ 0.95. API PIX: monthly payment according to budget. BTG Pactual In a note, the bank stated that BTG Empresas does not charge its customers any type of fee in PIX operations, both on receipt and transfer. Nubank In a note, the institution stated that it does not charge fees on PIX transactions made by its individual or legal customers. C6 Bank In a statement sent to g1, the bank reported that the PIX is free and unlimited for corporate customers and stated that, in addition to sending and receiving, it also offers the PIX Withdrawal, PIX Collection and PIX Exchange modalities. Inter The institution stated that it does not charge fees for transactions via PIX in PJ accounts and that there is no forecast for charging. Market Pago In a note, the institution reported that it does not charge fees for PIX transfers, whether individuals or legal entities, through the PIX key in the app or web.

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