The articles of the Brazilian general team are written in the Portuguese linguistic alternative used in Brazil.
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Most of the electronic payment system used in Brazil, PIX will be available in the 100,000 Portuguese businesses that work with MultiBanco network stations, managed by UNICRE. For this, the Foundation closed an agreement with Braza Bank, which announced this Thursday (03/20) in Lisbon. In addition to paying the purchase through Multibanco machines, PIX can be used in online operations. On the side of merchants, it will be a simplified process. It will be enough for a current contract with UNICRE to start receiving payments through the Brazilian system.
According to Marcelo Sana, Braza Bank manager in Europe, the great advantage will be to reduce the costs of consumers who use Pix. “If the payment is made using a Brazilian credit card, the consumer will bear 3.38 % of the financial operations tax (IF), and the spread, which is about 5 %, depending on the institution, which gives slightly more than 8 %. By PIX in ATMs, IOF will only be 1.1 % and publish, about 2.9 %, which freezes 4 %,” and it is calculated.
SA also adds the consumer feature to know, at the moment of the exact purchase, what is the exchange rate used to convert the euro to Reais. “There will be more prediction.” However, it is important to emphasize that the Brazilians should be in the field of financial account in Brazil. From this account, the resources will appear to pay the Portuguese traders.
Installment credit
UNICRE Marketing Director, Lewis Gamma, notes that the use of PIX exceeds multiple payment stations. “The Brazza system can also be used, the solution that works on tablets, personal computers and mobile phones, whether Android and iOS. Besides online stores,” it reveals.
In the Marcelo Sá evaluation, Pix depends on MultiBanco stations to compete with a credit card. “We want to offer another form of payment. Sometimes a person loses the card, is blocked or overwhelmed. In these cases, you only have a phone to have a substitute for credit card.”
The goals of financial institutions with PIX in ATMs are not only the Brazilian tourists who move through Portugal. “It will also be a way for the Brazilians who get retirement and live in Portugal to use their money and those who have business or companies in Brazil who can shop in Portugal from Brazilian accounts,” he added. However, it indicates that it will not be possible to transfer money from the ongoing accounts in Brazil to accounts in Portuguese banks using Pix. “For this, another license will be needed, and it is not we have,” he explains.
The proposal of the partnership between Braza and Unicre, reveals Marcelo SANA, not only to pay vision purchases by MultiBanco. Soon, there is another service that Brazilian customers are accustomed to, and the batch credit will also be available in Portugal. “Within a few months, we will offer a payment payment through Pixel,” he announced.
There is no web top
The partnership between Braza Bank and Unicre began after that after a meeting between representatives of the 2023 web institutions in Lisbon. “From there, we started negotiations, by the end of 2024, we managed to hold the first tests,” says GAMA, noting that 23 Portugal stores are currently accepting PIX.
One of the differences from Pix in Brazil is that the payment will not be treated at the time of the operation. “This will be after the closure of the day. That is, the money will enter the merchants’ account the next day,” says Gamma. Without specifying the numbers, it indicates that investing in the implementation of the service “was not important.” “The solution is from Braza Bank. We have invested a few tens of thousands of euros in the legal component. It will be the biggest investment on communication,” he says.
The idea is not to reduce Pixes on Portugal, but the regime’s expansion to other European Union countries. “UNICE is already working in Spain and Poland, but the operating license is for the entire European Union, while the European financial passport is called,” says Gamma. “In the future, we intend to expand Pix to other European countries, and perhaps even outside Europe,” says SA.
UNICRE is an association for banks that were created in 1974 to operate a credit card payment system. The Foundation has developed the automatic automatic treasurer network in Portugal, which was considered one of the most advanced networks in the world, and according to GAMA, it currently has 30 % of the Portuguese payment station market. He says: “For merchants, we offer credibility and durability. As with Unicer, he knows that he will receive,” he says.
Brazilian bank, which was founded by a Brazilian bank, was established in London in 2008 and has been working in Brazil since 2012. This means that it is among the services it provides, including payments, custody and values transfer, as well as digital accounts. However, it cannot provide loans and investment products.
sales
According to Sophia Fernandez, IL Corte Ingelis, so far, the result of the use of PIX in Lisbon and Jaya stores is positive. “Pixel has been implemented in January and until now everything has succeeded,” he says. PIX customers describe. “Portugal receives more than a million Brazilian tourists annually,” he says.
Marcelo S, Business Director of Braza in Europe
Gear Ratner
As for the Rodriguez Msbraida, the director of Sonae payments, the company’s goal with PIX is different, “the main feature that we see in Pix is the fact that 50 % of the foreign cards used in our stores are the Brazilians. For tourists, it will be the advantage to be able to pay in a way they know and get used to,” he says.
But she sees another targeted audience, especially in the chain of stores that sell electronics. “There are Brazilian customers their arrival and they have no bank accounts yet. They need to provide their homes and buy devices. With the possibility of installing installments, they will feel more at home,” he expected.
Brazilian brand
For the Colink Business Consulting, the important thing for the Brazilians will be a sense of familiarity in the form of payment. “It is a logical way. Brazilians can make a lot of comfort. It is not the only alternative, and there are multiple cards, but the Brazilians are already familiar with PIX.”
Compared to the PIX experience in the United States, he sees advantages in the suggestion of Braza Bank with Unker. “In the United States, it is possible to carry out operations with Pixel, but the exchange rate is very unaware,” he says.
