{"id":1675,"date":"2021-05-11T08:50:05","date_gmt":"2021-05-11T11:50:05","guid":{"rendered":"http:\/\/arcaconsulting.com.br\/?p=1675"},"modified":"2021-06-03T07:23:10","modified_gmt":"2021-06-03T10:23:10","slug":"bc-abre-consulta-publica-sobre-pix-saque-e-pix-troco","status":"publish","type":"post","link":"https:\/\/arcaconsulting.com.br\/index.php\/2021\/05\/11\/bc-abre-consulta-publica-sobre-pix-saque-e-pix-troco\/","title":{"rendered":"BC abre consulta p\u00fablica sobre Pix Saque e Pix Troco"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1675\" class=\"elementor elementor-1675\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60b64f38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60b64f38\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d25ad61\" data-id=\"2d25ad61\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c74f35a elementor-widget elementor-widget-image\" data-id=\"3c74f35a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"350\" src=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/05\/image001.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/05\/image001.jpg 700w, https:\/\/arcaconsulting.com.br\/wp-content\/uploads\/2021\/05\/image001-300x150.jpg 300w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25ef2fb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25ef2fb5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5730fdc1\" data-id=\"5730fdc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fb9f9c elementor-widget elementor-widget-heading\" data-id=\"1fb9f9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> BC abre consulta p\u00fablica sobre Pix Saque e Pix Troc<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-162ed054 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"162ed054\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53495a29\" data-id=\"53495a29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d2c4302 elementor-widget elementor-widget-text-editor\" data-id=\"2d2c4302\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><strong>Sugest\u00f5es podem ser feitas at\u00e9 9 de junho. Os dois novos produtos ser\u00e3o ofertados ao p\u00fablico no segundo semestre desse ano.<\/strong><\/p><p><!-- \/wp:paragraph --><!-- wp:separator --><\/p><hr class=\"wp-block-separator\" \/><p><!-- \/wp:separator --><!-- wp:paragraph --><\/p><p style=\"font-weight: 400;\">Em mais uma etapa do processo evolutivo do\u00a0<a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/pix\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/pix&amp;source=gmail&amp;ust=1620819838993000&amp;usg=AFQjCNHZEDPRmaMkf9jMo2NlYD6_1htRsQ\">Pix<\/a>, o Banco Central lan\u00e7ou hoje (10\/5) a\u00a0<a href=\"https:\/\/www3.bcb.gov.br\/audpub\/AudienciasAtivas?1\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www3.bcb.gov.br\/audpub\/AudienciasAtivas?1&amp;source=gmail&amp;ust=1620819838993000&amp;usg=AFQjCNHYp19AMVzyiWy451U0jHZ2sKgthA\">Consulta P\u00fablica 87\/2021<\/a>\u00a0que trata de duas novidades relacionadas ao assunto: <strong>o Pix Saque e o Pix Troco.\u00a0<\/strong><\/p><p style=\"font-weight: 400;\"><strong>O Pix Saque<\/strong> \u00e9 a transa\u00e7\u00e3o exclusiva para a retirada de recursos em esp\u00e9cie. Pode ser oferecida por estabelecimentos comerciais ou outras empresas, por institui\u00e7\u00f5es especializadas no servi\u00e7o de saque, al\u00e9m das institui\u00e7\u00f5es financeiras. Ou seja, o usu\u00e1rio do Pix poder\u00e1 sacar dinheiro em esp\u00e9cie em uma padaria, um estacionamento ou em um caixa eletr\u00f4nico.<\/p><p style=\"font-weight: 400;\"><strong>J\u00e1 o Pix Troco<\/strong>, que poder\u00e1 ser oferecido por empresas e estabelecimentos comerciais, est\u00e1 associado a uma opera\u00e7\u00e3o de compra ou presta\u00e7\u00e3o de servi\u00e7o. Nesse caso, o usu\u00e1rio do Pix pode, por exemplo, comprar R$ 10 em p\u00e3es e fazer um Pix de R$ 20 para a padaria, que lhe devolveria os p\u00e3es e R$ 10 em esp\u00e9cie.<\/p><p style=\"font-weight: 400;\">Lan\u00e7ada hoje, a Consulta P\u00fablica\u00a0 fica aberta at\u00e9 o dia 9 de junho de 2021. Todos que tiverem interesse no assunto est\u00e3o convidados a participar e registrar suas sugest\u00f5es. O Pix Saque e o Pix Troco v\u00e3o entrar em opera\u00e7\u00e3o no segundo semestre desse ano. Todas as pessoas que tiverem conta em qualquer uma das institui\u00e7\u00f5es participantes do Pix poder\u00e3o utilizar os servi\u00e7os.<\/p><p style=\"font-weight: 400;\">Apesar de estarem sendo propostos de maneira conjunta, o Banco Central enfatiza que s\u00e3o dois produtos distintos. \u201cO objetivo \u00e9 conferir maior flexibilidade aos agentes de saque, que poder\u00e3o optar por oferecer somente um produto ou ambos, conforme as respectivas necessidades e modelos de neg\u00f3cios\u201d, explicou o chefe do Departamento de Competi\u00e7\u00e3o e de Estrutura do Mercado Financeiro (Decem) do Banco Central, \u00c2ngelo Duarte.\u00a0<\/p><ul><li style=\"font-weight: 400;\"><strong>Como vai funcionar\u00a0<\/strong><\/li><\/ul><p style=\"font-weight: 400;\">Na pr\u00e1tica, o <strong>Pix Saque<\/strong> vai funcionar da seguinte maneira: no estabelecimento que ir\u00e1 atuar como agente de saque, o usu\u00e1rio vai fazer a leitura de um QR Code (ou usar a fun\u00e7\u00e3o Pix Copia e Cola) e fazer um Pix para o estabelecimento. Em contrapartida, ele vai receber o dinheiro em esp\u00e9cie.<\/p><p style=\"font-weight: 400;\">Usar o <strong>Pix Troco<\/strong> tamb\u00e9m ser\u00e1 simples. No estabelecimento onde estiver dispon\u00edvel essa funcionalidade, o usu\u00e1rio poder\u00e1, ao realizar uma transa\u00e7\u00e3o de R$ 50, por exemplo, fazer um Pix de R$ 100 a partir da leitura de um QR Code \u00fanico disponibilizado pelo estabelecimento e receber R$ 50 em esp\u00e9cie.<\/p><p style=\"font-weight: 400;\">Os estabelecimentos que desejarem atuar como agentes de saque dever\u00e3o celebrar contrato com uma institui\u00e7\u00e3o financeira ou institui\u00e7\u00e3o de pagamento participante do Pix. Os agentes de saque ter\u00e3o liberdade de definir as condi\u00e7\u00f5es da presta\u00e7\u00e3o de servi\u00e7o como, por exemplo, dias e hor\u00e1rios que pretendem disponibilizar o servi\u00e7o; informa\u00e7\u00f5es sobre os valores (exemplo, apenas m\u00faltiplos de R$ 10), entre outros.<\/p><p style=\"font-weight: 400;\">Pela proposta colocada em Consulta P\u00fablica, ter\u00e3o quatro saques gratuitos por m\u00eas, seja utilizando Pix Saque ou Pix Troco. A partir da quinta transa\u00e7\u00e3o, as institui\u00e7\u00f5es financeiras ou de pagamentos detentoras da conta do sacador poder\u00e3o cobrar uma tarifa pela transa\u00e7\u00e3o. Os sacadores n\u00e3o poder\u00e3o ser cobrados diretamente pelos agentes de saque.<\/p><p style=\"font-weight: 400;\">O BC explica que n\u00e3o haver\u00e1 limite de quantidade de saques que o usu\u00e1rio poder\u00e1 fazer \u2013 apenas o limite de valor m\u00e1ximo, a princ\u00edpio estipulado pelo BC em R$ 500, por quest\u00f5es de seguran\u00e7a. Respeitado tal limite, as institui\u00e7\u00f5es e os agentes de saque podem definir limites adicionais, a depender das caracter\u00edsticas do seu neg\u00f3cio. Por exemplo, uma loja pode estipular que o limite m\u00e1ximo por saque \u00e9 de R$ 200.\u00a0<\/p><p style=\"font-weight: 400;\">As institui\u00e7\u00f5es participantes do Pix que se enquadrem na modalidade provedor de conta transacional e que sejam autorizadas a funcionar pelo BC poder\u00e3o ofertar o servi\u00e7o aos agentes de saque. Pela proposta em consulta, a oferta ser\u00e1 obrigat\u00f3ria para as institui\u00e7\u00f5es que oferecerem o Pix Cobran\u00e7a por meio da Pix API a estabelecimentos comerciais.<\/p><ul><li style=\"font-weight: 400;\"><strong>Benef\u00edcios\u00a0\u00a0<\/strong><\/li><\/ul><p style=\"font-weight: 400;\">De acordo com Carlos Eduardo Brandt, chefe adjunto do Decem, os dois novos produtos trar\u00e3o mais efici\u00eancia, por meio da reutiliza\u00e7\u00e3o do dinheiro no varejo e do aproveitamento dessa rede. \u201cA possibilidade de contar com estabelecimentos comerciais para ofertar o servi\u00e7o de saque tem o potencial de reduzir o custo log\u00edstico e operacional com a distribui\u00e7\u00e3o de numer\u00e1rio, racionalizando a movimenta\u00e7\u00e3o de meio circulante, que \u00e9 bastante custosa para o BC e para a sociedade, al\u00e9m de gerar novas possibilidades e promover maior seguran\u00e7a e agregar valos para os varejistas\u201d, enfatizou.<\/p><p style=\"font-weight: 400;\">J\u00e1 do ponto de vista dos usu\u00e1rios, ainda de acordo com o chefe adjunto do Decem, a medida agrega conveni\u00eancia e facilidade, pois aumenta a capilaridade do servi\u00e7o de saque. \u201cEspecialmente nos munic\u00edpios do Brasil em que n\u00e3o h\u00e1 rede de caixas eletr\u00f4nicos ou ag\u00eancias banc\u00e1rias ou nas cidades que possuem pontos de saque muito concentrado em determinadas regi\u00f5es, as pessoas ter\u00e3o maior comodidade e muitas possibilidades para a retirada de dinheiro em esp\u00e9cie, sem precisar se deslocar a outro munic\u00edpio ou para outra parte da cidade, o que pode ser, inclusive, positivo para a economia local\u201d, defendeu.\u00a0<\/p><p style=\"font-weight: 400;\">O chefe adjunto do Decem afirmou ainda que os dois novos produtos ir\u00e3o melhorar as condi\u00e7\u00f5es de oferta e de precifica\u00e7\u00e3o de servi\u00e7os de saque, especialmente pelas institui\u00e7\u00f5es digitais e por aquelas que n\u00e3o possuem rede de ag\u00eancias ou de caixas eletr\u00f4nicos. Consequentemente, promover\u00e3o maior competi\u00e7\u00e3o no Sistema Financeiro Nacional.\u00a0<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14fca00b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14fca00b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4343442e\" data-id=\"4343442e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7daf2056 elementor-widget elementor-widget-text-editor\" data-id=\"7daf2056\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p>Fonte: Banco Central do Brasil &#8211; 10\/05\/2021 &#8211; Dispon\u00edvel em : https:\/\/www.bcb.gov.br\/detalhenoticia\/534\/noticia. Acesso em 11\/05\/2021<\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p><p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f15d2b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f15d2b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52c98c70\" data-id=\"52c98c70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section 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class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Arca Consulting \u00ae. Desenvolvido por: Martha Naves\u00a0 &#8211; 2021<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>BC abre consulta p\u00fablica sobre Pix Saque e Pix Troc Sugest\u00f5es podem ser feitas at\u00e9 9 de junho. Os dois novos produtos ser\u00e3o ofertados ao p\u00fablico no segundo semestre desse ano. Em mais uma etapa do processo evolutivo do\u00a0Pix, o Banco Central lan\u00e7ou hoje (10\/5) a\u00a0Consulta P\u00fablica 87\/2021\u00a0que trata de duas novidades relacionadas ao assunto:&hellip;&nbsp;<a href=\"https:\/\/arcaconsulting.com.br\/index.php\/2021\/05\/11\/bc-abre-consulta-publica-sobre-pix-saque-e-pix-troco\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">BC abre consulta p\u00fablica sobre Pix Saque e Pix Troco<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-1675","post","type-post","status-publish","format-standard","hentry","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BC abre consulta p\u00fablica sobre Pix Saque e Pix Troco -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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