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The proliferation of the Internet and the advancement of technology allow us to do countless functions with just a few taps. However, there are still people stuck to printing slips to pay or those who leave a conglomerate of s in automatic debit, where both can be easily replaced by a much more organized and practical way: the DDA ticket. 133u71
What is DDA? 4y4g4n
Developed in 2009 by Central Bank of Brazil (Bacen) together with other banking institutions, the Authorized Direct Debit, ou DDA, allows you to have access to all bank slips issued in your F or CNPJ in a bank. While the boleto needs to be printed and sometimes requires going to the bank to pay, and automatic debit deducts at the time of your , the bank slip DDA facilitates the tracking of your s and only pays with your authorization, improving the organization of your financial life.
How to use DDA? 6e1e6i
To pay bills using the DDA method, it is authorization of each is required individually, so that your bank recognizes and deducts your payment on the spot, even making it possible to pay in advance. Therefore, you need to check how to enable this feature in the app or website of the bank responsible for your money and how to do it. If not, then you will need to speak personally with a bank agent to enable this payment method on your .
How to pay DDA tickets? f2k2m
With DDA some types of payments cannot be made, such as energy, water, IPTU and public services in general. On the other hand, school fees, gym or agreement are types of charges that can be paid by the DDA ticket. Here, I will use the Inter bank as an example, but all banks have a similar process:
- First, to your :
- Click on the “Payments"
- Here will be all the slips issued in your F separated between "to win"and "defeated”. Now, all you have to do is choose your preferred ticket:
- On this screen it is possible to view the data of the person who issued the DDA ticket and finalize the payment:
- If you want to pay a DDA ticket expired, just go back and select the “defeated"
You should also check if there are fees that can be charged to carry out such a transaction and, finally, authorize the payment of the invoice in question, noting if you do not have it printed or by e-mail to avoid paying the same bill twice.
What to do with unrecognized DDA tickets? 666l5j
Considering that Brazilians are either tricksters or are very unlucky, the chances that a DDA ticket fall into your “by mistake” are very high. Therefore, it is important to know your rights and what should be done on these occasions. First, it is important to mention that not all boletos ed in your F need to be paid. There are the famous optional tickets, issued proposing some service or purchase.
If you do not recognize one of the services and wish to remove the DDA ticket:
- Click on the unwanted ticket and access it. Then select the option to “hide ticket”:
- Finally, a message will ask you to confirm your choice:
It is important to keep this information in mind, as it is not stated in the document, which can lead to payment in error. As they are not ed tickets, you will not suffer any kind of penalty if you do not pay. In any case, if in doubt, talk to the responsible company. Every boleto has the data of the company or individual that issued it, so before paying, you will have this information at hand.
The problem, again, is that in Brazil there are criminals who can falsify or steal personal data to collect a non-existent payment. In fright, or fear of paying high interest, people usually pay without thinking twice all the boletos ed in their name. In this case, beware of bills sent by emails, phones or suspicious companies.
In all cases, regardless of the ticket's condition, the DDA it just gathers and facilitates the tracking of the bills to be paid. Problems involving suspicious tickets should be analyzed with caution and alert the necessary institutions.
See also:
How to hide banking apps and increase mobile security: It is possible to protect banking apps on mobile, blocking access, hiding and applying practices to stay safe in case of theft.
Sources: Forbes, Nubank, Consumer Financial Protection Bureau e Lawson and Berry
