Da TED ao Pix : as vantagens do novo arranjo de pagamento

Abstract

The main focus of this study is to address the main advantages of the Pix payment method over the TED payment method. The general objective of the work is to identify the main advantages of Pix over TED. Therefore, the following specific objectives were defined – to characterize the Brazilian Payment System and present its main participants; describe the characteristics of the TED and Pix clearing houses; conceptualize payment arrangement, discussing in more detail the TED and Pix arrangements; and highlight the main advantages of Pix over TED. Addressing the advantages of Pix over TED is justified because the Pix arrangement represents a novelty in the way of payment and money transfer, consequently there are few works on the subject. Thus, it is necessary to clarify its main characteristics and highlight its main advantages. The present study consists of a descriptive research, with results treated in a qualitative way, from the collection of data from secondary sources. With the gathering of information throughout the research and analysis of the information, it was possible to conclude that the Pix arrangement has advantages over TED, such as the availability to carry out financial transactions 24 (twenty-four) hours a day and every day of the year; the speed for transactions to be settled – in up to 40 (forty) seconds; and the non-collection of fees for individuals.