{"id":373443,"date":"2023-03-08T07:55:23","date_gmt":"2023-03-08T10:55:23","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=373443"},"modified":"2023-03-08T07:55:28","modified_gmt":"2023-03-08T10:55:28","slug":"debito-instantaneo-pix-2024","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/debito-instantaneo-pix-2024\/","title":{"rendered":"&#8216;D\u00e9bito instant\u00e2neo&#8217; deve vigorar a partir de 2024 e competir com for\u00e7a do Pix"},"content":{"rendered":"<p>Sendo uma mudan\u00e7a direta que deve afetar o com\u00e9rcio, j\u00e1 em 2024, as transfer\u00eancias de recursos nas opera\u00e7\u00f5es realizadas com <a href=\"https:\/\/www.suno.com.br\/noticias\/marisa-amar3-calote-knri11-proventos\/\" target=\"_blank\" rel=\"noreferrer noopener\">cart\u00e3o de <strong>d\u00e9bito<\/strong><\/a> poder\u00e3o ocorrer de forma instant\u00e2nea. <\/p><div class=\"videoFull \">\n\t\t\t<div class=\"videoWrapper yt-lazyload center\"\n\t\t\t\tdata-width=\"960\"\n\t\t\t\tdata-height=\"540\"\n\t\t\t\tdata-id=\"PZeH_hbWSbk\"\n\t\t\t\tdata-alt=\"V\u00eddeo do YouTube - clique para reproduzir\"\n\t\t\t\tdata-logo=\"3\"\n\t\t\t\tdata-imagequality=\"maxres\">\n\t\t\t<\/div>\n\t\t<\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"VideoObject\",\"name\":\"Petrobras (PETR4) e Vale (VALE3) levam Ibovespa para baixo | EUA: juros maiores do que o previsto\",\"description\":\"\ud83d\udcc8 \ud835\udc00 \ud835\udc12\ud835\udc2e\ud835\udc27\ud835\udc28 \ud835\udc1e \ud835\udc1a \ud835\udc01\ud835\udfd1 \ud835\uddf9\ud835\uddee\ud835\uddfb\u00e7\ud835\uddee\ud835\uddff\ud835\uddee\ud835\uddfa \ud835\udc2e\ud835\udc26 \ud835\udc1c\ud835\udc2e\ud835\udc2b\ud835\udc2c\ud835\udc28 \ud835\udc2a\ud835\udc2e\ud835\udc1e \ud835\udc2f\ud835\udc1a\ud835\udc22 \ud835\udc2d\ud835\udc1e \ud835\udc1e\ud835\udc27\ud835\udc2c\ud835\udc22\ud835\udc27\ud835\udc1a\ud835\udc2b \ud835\udc1d\ud835\udc1e \ud835\udc06\ud835\udc11\ud835\udc00\u00c7\ud835\udc00 \ud835\udc28 \ud835\udc29\ud835\udc1a\ud835\udc2c\ud835\udc2c\ud835\udc28 \ud835\udc1a \ud835\udc29\ud835\udc1a\ud835\udc2c\ud835\udc2c\ud835\udc28 \ud835\udc29\ud835\udc1a\ud835\udc2b\ud835\udc1a \ud835\udc1f\ud835\udc1a\ud835\udc33\ud835\udc1e\ud835\udc2b \ud835\udc28 \ud835\udc2c\ud835\udc1e\ud835\udc2e \ud835\udfcf\u00ba \ud835\udc22\ud835\udc27\ud835\udc2f\ud835\udc1e\ud835\udc2c\ud835\udc2d\ud835\udc22\ud835\udc26\ud835\udc1e\ud835\udc27\ud835\udc2d\ud835\udc28 \ud835\udc27\ud835\udc1a \ud835\udc1b\ud835\udc28\ud835\udc25\ud835\udc2c\ud835\udc1a \ud835\udc1d\ud835\udc1e \ud835\udc2f\ud835\udc1a\ud835\udc25\ud835\udc28\ud835\udc2b\ud835\udc1e\ud835\udc2c \ud835\udc1e \ud835\udc1e\ud835\udc27\ud835\udc2d\ud835\udc1e\ud835\udc27\ud835\udc1d\ud835\udc1e\ud835\udc2b \ud835\udc1c\ud835\udc28\ud835\udc26\ud835\udc28 \ud835\udc1f\ud835\udc1a\ud835\udc33\ud835\udc1e\ud835\udc2b \ud835\udc29\ud835\udc1a\ud835\udc2b\ud835\udc1a \ud835\udc26\ud835\udc1e\ud835\udc25\ud835\udc21\ud835\udc28\ud835\udc2b\ud835\udc1a\ud835\udc2b \ud835\udc2c\ud835\udc1e\ud835\udc2e\ud835\udc2c \ud835\udc2b\ud835\udc1e\ud835\udc2c\ud835\udc2e\ud835\udc25\ud835\udc2d\ud835\udc1a\ud835\udc1d\ud835\udc28\ud835\udc2c. CLIQUE NO LINK E GARANTA J\u00c1 \ud83d\udc47 https:\/\/lp.suno.com.br\/cl\/busque-os-melhores-resultados-na-b3-com-a-suno\/?utm_source=youtube.noticias&utm_medium=live&utm_campaign=RS.TSB23.ns.20230306&utm_content=noticias.live19h.06032023 \ud83d\udd0e \ud83d\udcca[\ud835\uddf2\ud835\uddd5\ud835\uddfc\ud835\uddfc\ud835\uddf8 \ud835\uddda\ud835\udde5\ud835\uddd4\ud835\udde7\ud835\udde8\ud835\udddc\ud835\udde7\ud835\udde2] \ud835\uddd4\ud835\uddfd\ud835\uddff\ud835\uddf2\ud835\uddfb\ud835\uddf1\ud835\uddee \ud835\uddf0\ud835\uddfc\ud835\uddfa\ud835\uddfc \ud835\uddee\ud835\uddfb\ud835\uddee\ud835\uddf9\ud835\uddf6\ud835\ude00\ud835\uddee\ud835\uddff \ud835\ude02\ud835\uddfa\ud835\uddee \ud835\uddee\u00e7\u00e3\ud835\uddfc\u200b \ud83d\udc47 https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/?utm_source=youtube.noticias&utm_medium=live&utm_campaign=ebookcomoanalisarumaacao.20230206&utm_content=ytnoticias.morning.10022023\u2026\",\"duration\":\"PT35M50S\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/PZeH_hbWSbk\",\"regionsAllowed\":\"pt-BR\",\"interactionStatistic\":{\"@type\":\"InteractionCounter\",\"interactionType\":{\"@type\":\"WatchAction\"},\"userInteractionCount\":4371},\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/PZeH_hbWSbk\/default.jpg\",\"uploadDate\":\"2023-03-07T22:48:26Z\"}<\/script>\n\n\n\n\n\n\n\t<p>\n\t\t<a href=\"\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"\"\n\t\t\t\t\tdata-promo-id=\"240038\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\talt=\"\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<p>Assim, comerciantes que vendem por meio dessa modalidade receberiam os recursos na mesma hora, sem precisarem aguardar um tempo at\u00e9 que o valor da <strong>compra no d\u00e9bito<\/strong> caia na conta. <\/p>\n\n\n\n<p>Essa \u00e9 uma das quatro iniciativas que o setor de cart\u00f5es prepara para aumentar a competitividade do cart\u00e3o, pressionado pelo avan\u00e7o do <strong><a href=\"https:\/\/www.suno.com.br\/noticias\/web-stories\/pix-virus-rouba-dinheiro-android\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pix<\/a><\/strong>.<\/p>\n\n\n\n<p>Duas delas a Associa\u00e7\u00e3o Brasileira das Empresas de Cart\u00f5es de Cr\u00e9dito e Servi\u00e7os (Abecs) pretende colocar em pr\u00e1tica este ano: o &#8220;click to pay&#8221; (em que o cliente conseguir\u00e1 pagar com d\u00e9bito em compras na internet com um s\u00f3 clique, sem ter de entrar no aplicativo do banco) e o d\u00e9bito sem senha, voltado a servi\u00e7os de streaming e aplicativos de transporte, por exemplo. <\/p>\n\n\n\n<p>Essas duas medidas s\u00e3o voltadas para pagamento em transa\u00e7\u00f5es n\u00e3o presenciais.<\/p>\n\n\n\n<p>As outras duas, previstas para chegar a partir de 2024, t\u00eam outros objetivos. Uma delas \u00e9 a liquida\u00e7\u00e3o das transa\u00e7\u00f5es em &#8220;D+0&#8221; &#8211; ou seja, o dinheiro entraria no caixa do comerciante de forma instant\u00e2nea, a exemplo do Pix, e n\u00e3o em dois dias como ocorre hoje. <\/p>\n\n\n\n<p>A outra \u00e9 o parcelamento de compras com <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/artigos\/cartao-de-debito\/\" rel=\"noopener\">cart\u00e3o de d\u00e9bito<\/a>, com juros.<\/p>\n\n\n\n<p>Membro da Abecs e vice-presidente de Inova\u00e7\u00e3o e Solu\u00e7\u00f5es da Visa no Brasil, Fernando Amaral afirma que algumas medidas s\u00e3o estudadas h\u00e1 bastante tempo, mas que o sucesso do Pix fez a ind\u00fastria apertar o passo. &#8220;O Pix mostrou em alguns pontos oportunidades que t\u00ednhamos, e que poder\u00edamos atacar de maneira mais veloz&#8221;, disse.<\/p>\n\n\n\n\t<div data-element=\"shortcode-read-more\" class=\"readToo\">\n\t\t\t\t<span class=\"readToo__title\">Leia mais<\/span>\n\t\t\t\t<ul class=\"readToo__list\">\n\t\t\t<li><a href=\"https:\/\/www.suno.com.br\/noticias\/assai-asai3-oferta-casino-xp\/\">Assa\u00ed (ASAI3): Nova oferta de US$ 600 milh\u00f5es \u00e9 &#8216;gatilho ideal&#8217;, diz XP<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/banco-do-brasil-bbas3-emprestimos-pix-open-finance\/\">Banco do Brasil (BBAS3) permite pagamento de empr\u00e9stimos com Pix Open Finance<\/a><\/li><li><a href=\"https:\/\/www.suno.com.br\/noticias\/imposto-renda-2023-novas-regras-coletiva-receita\/\">Imposto de Renda 2023: Pix coloca contribuinte como prioridade na restitui\u00e7\u00e3o; entenda<\/a><\/li>\t\t<\/ul>\n\t<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debito-e-perda-de-share\">D\u00e9bito e perda de share<\/h2>\n\n\n\n<p>O cart\u00e3o de d\u00e9bito teve um salto durante a pandemia, com o pagamento do <a href=\"https:\/\/www.suno.com.br\/noticias\/caderneta-de-poupanca-retirada-liquida-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">aux\u00edlio emergencial<\/a> pelo governo, mas, desde 2021, come\u00e7ou a perder for\u00e7a. No ano passado, cresceu 7,4% e movimentou R$ 992,4 bilh\u00f5es. <\/p>\n\n\n\n<p>J\u00e1 o setor de cart\u00f5es cresceu 24,6%, para R$ 3,31 trilh\u00f5es, segundo a Abecs. O cr\u00e9dito e o pr\u00e9-pago tomaram a dianteira.<\/p>\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/planilha-controle-gastos\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/400x300-Planilha-controle-de-gastos.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Planilha-controle-de-gastos.png\"\n\t\t\t\t\tdata-promo-id=\"101751\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Planilha-controle-de-gastos.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<p>Para o cliente, o d\u00e9bito ainda \u00e9 mais f\u00e1cil de usar, mas, para os comerciantes, o Pix \u00e9 mais conveniente, porque tem <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/custos-de-transacao\/\" rel=\"noopener\">custos de transa\u00e7\u00e3o<\/a> mais baixos e o dinheiro entra no caixa de forma imediata.<\/p>\n\n\n\n<p>&#8220;N\u00e3o d\u00e1 para negar que o fator mais importante \u00e9 a nova concorr\u00eancia, o Pix&#8221;, diz Boanerges Ramos Freire, consultor e presidente da Boanerges &amp; Cia. &#8220;E ineg\u00e1vel que o (cart\u00e3o de) d\u00e9bito tem um desafio, e o setor est\u00e1 certo em reposicion\u00e1-lo.&#8221;<\/p>\n\n\n\n<p>Eduardo Rosman, analista do setor financeiro no <a href=\"https:\/\/www.suno.com.br\/noticias\/web-stories\/nubank-nubr33-ameacar-investimentos-xp-btg\/\" target=\"_blank\" rel=\"noreferrer noopener\">BTG Pactual<\/a>, afirma que o pr\u00e9-pago tamb\u00e9m avan\u00e7ou sobre o d\u00e9bito. <\/p>\n\n\n\n<p>&#8220;Os pr\u00f3prios emissores preferiam emitir cart\u00e3o pr\u00e9-pago, porque havia um interc\u00e2mbio mais alto&#8221;, diz, referindo-se \u00e0 taxa paga pelas maquininhas ao emissor do cart\u00e3o em cada compra. A partir de abril, no pr\u00e9-pago, haver\u00e1 um teto de 0,7%, ainda assim maior que o do d\u00e9bito, de 0,5%.<\/p>\n\n\n\n<p>Ele destaca que o Pix tem estrutura concorrente \u00e0 dos cart\u00f5es, que, por outro lado, t\u00eam vantagens como a possibilidade de reembolso de transa\u00e7\u00f5es. &#8220;\u00c9 uma rea\u00e7\u00e3o da ind\u00fastria, porque o cart\u00e3o de <strong>d\u00e9bito <\/strong>est\u00e1 perdendo espa\u00e7o para o pr\u00e9-pago e para o Pix.&#8221;<\/p>\n\n\n\n<p>Com Estad\u00e3o Conte\u00fado<\/p>\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/planilha-da-vida-financeira\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/400x300-Planilha-vida-financeira-true.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t\tdata-promo-id=\"106682\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/04\/1420x240-Planilha-vida-financeira-true.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Sendo uma mudan\u00e7a direta que deve afetar o com\u00e9rcio, j\u00e1 em 2024, as transfer\u00eancias de recursos nas opera\u00e7\u00f5es realizadas com cart\u00e3o de d\u00e9bito poder\u00e3o ocorrer de forma instant\u00e2nea. Assim, comerciantes que vendem por meio dessa modalidade receberiam os recursos na mesma hora, sem precisarem aguardar um tempo at\u00e9 que o valor da compra no d\u00e9bito [&hellip;]<\/p>\n","protected":false},"author":73,"featured_media":332735,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[62],"tags":[106444,2113,2637],"suno_strategy":[],"class_list":["post-373443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","tag-agencias","tag-pagamentos-digitais","tag-pix"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&#039;D\u00e9bito instant\u00e2neo&#039; deve vigorar a partir de 2024 e competir com Pix<\/title>\n<meta name=\"description\" content=\"O cart\u00e3o de d\u00e9bito teve um salto durante a pandemia, com o Aux\u00edlio Emergencial, mas perdeu for\u00e7a desde 2021. 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