Table of Contents 64q43
With the popularization of card machines and technological advances like Pix, we currently have several payment methods available to the most varied audiences. In an increasingly connected world, we can not only shop online but also take care of entire businesses in the virtual world. But do you know how the digital payments? Today we will explain to you which are the main ones used in Brazil. 332n6v
The wonders of PIX 136e5o
One of the technologies that most revolutionized digital payments in recent years was the Pix. Its great advantage, compared to other payments, is the exemption of fees - at least for now. Now with a few clicks on the cell phone we can make a transaction, in addition to dispensing with the use of intermediaries, such as those little machines. And of course, it allows you to make payments between individuals without the usual transfer fees charged by financial institutions.
All it takes is for the establishment to have a visible Pix key, which can be an email, a cell phone number, the F, a QR Code or a random key, and thus receive an immediate payment, without further complications. Its advantage is also that, generally, there is no limit on amounts, but this can vary between financial institutions for security reasons.
Pix was born to make life easier for all of us, as we almost always have access to a cell phone. But it could get even better, as some banks are starting to implement the pix in installments, allowing you to make high-value purchases and pay an amount every month. However, it is necessary to keep an eye on the interest rates applied, since, as we all know, here in Brazil they are very high.
The good old credit card 404q1
According to Brazilian Federation of Banks (Febraban), in 2022 around 18,2 billion banking operations were carried out with the credit card, making it one of the most used means of payment in our country.
One of its great attractions is being able to make payments in installments, helping us a lot when making that special purchase. Another important application is the payment of recurring subscriptions, such as Netflix, Spotify, and many others.
Even so, it is necessary to have a good balance and control when using the credit card since, as mentioned earlier, the interest rates here are very high. On the other hand, to encourage their use, some cards have a points club. Benefits can range from receiving a percentage of the amounts spent back (cashback), or exchange for miles, products, and many other things. The ideal is to check with your card operator and see what options are available.
The credit card works in a very simple way: they all must have a flag, which is responsible for intermediating the operation with the bank or financial institution. They have other obligations such as controlling customer limits, sending bills, capturing payments and forwarding the money to whoever made the sale or transaction.
Debit or Cash Card 643a4r
Surely you know someone who cannot use their credit card for fear of getting into debt and paying high interest rates. Even with Pix, payment via debit card remains extremely strong and relevant. To give you an idea, last year we had around 15,6 billion transactions in the country, according to the same survey previously presented.
The operation of the debit card It is very similar to credit, but instead of charging only at the end of the monthly bill, the amount is directly deducted from the 's current or savings . That is, the operator's function is only to a value from one to another.
In some cases, when the has no funds in the s, the bank can activate the so-called overdraft, which is actually an emergency loan. However, it is necessary to be very attentive to the interest rates practiced, which are extremely high.
Ticket yesterday, ticket today, ticket always 271x5x
A very common popular saying says that life is a set of tickets to pay. Even with all the technological advances we have had in recent years, the billet is still going strong. But do you know how it works?
To do this, do the following imagination exercise: you bought something and need to pay, from then on, the place will issue a bill of lading. With the ticket in hand, just make the payment, either at the bank, lottery house, app or financial institution.
A slip can only really be considered a slip when it has a series of extremely important information. Among them we have things like the name of the issuer, the bank details of who will receive the payment, due date, and many other information. This is how we usually pay water, electricity and other recurring bills.
Digital Wallets v1w5t
If you are one of those people who want to stop using cash, digital wallet may be your ideal solution. In Brazil we have some available, where it is no longer necessary to use physical cards. To make payments, simply in the application and use your smartwatch or cell phone.
Digital wallets are becoming more and more versatile and with many more functions. It is now possible to make deposits directly into them, carry out everyday transactions such as recharging a cell phone, taking out a bank loan, paying bills and bank slips, and many other things.
Source: They febraban
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reviewed by Glaucon Vital in 29 / 6 / 23.
I'm really enjoying the articles, especially the one that teaches you how to pay for old Gmail emails It was a hand in the wheel for me.