Por que o Pix ainda não é páreo para o cartão de débito

Pix já mostrou que tem musculatura para bater de frente com o DOC e com a TED. Com um mês de uso, ele já representa quase 40% de todas as transferências de dinheiro. Mas o novo sistema ainda não engatou como meio de pagamento de compras à vista.

Hoje, o Pix funciona como pagamento à vista, da mesma forma que o dinheiro e o cartão de débito. Só que ele ainda não é páreo para o cartão de débito, meio que tanto consumidores quanto comerciantes já estão habituados a usar.

Mas não é só questão de hábito. Especialistas em meios de pagamento dizem que as vantagens do Pix ainda não são evidentes para o lojista, que seria o principal interessado em usá-lo para reduzir custos com taxas de maquininhas.

“Uma das vantagens do Pix é que o dinheiro cai na conta instantaneamente. No débito, cai no dia seguinte. Não é tanta diferença assim”, diz Philippe Katz, CEO da PayGo, empresa de meios de pagamento do C6 Bank. O 6 Minutos faz parte da holding que controla o C6.

O que mais falta então? Para começar, o débito é um meio de pagamento muito mais testado que o Pix, já que existe há mais tempo. Por isso, clientes e comerciantes têm poucas dúvidas sobre seu funcionamento.

Por conta disso tudo, a confiança no uso do débito é maior do que em relação ao Pix, que foi lançado em 16 de novembro.

Mas o que conta mesmo para o comerciante é a possibilidade de integrar o débito com os sistemas de gestão de seu negócio, seja a entrada de dinheiro ou a baixa no estoque.

“O Pix trouxe agilidade, facilidade, menor preço para transferências entre pessoas. Ele compete diretamente com TED, DOC, boleto e cartão de débito. Mas se compará-lo com o débito, ele ainda não oferece a mesma excelência de controle, confiança na segurança da transação. O débito já foi muito testado por uma cadeia que envolve emissor, bandeira e adquirente”, afirma Katz.

Mas dá para mudar esse cenário? Sim. Empresas de pagamento estão se movimentando para permitir que as transações capturadas pelas maquininhas se integrem aos sistemas de gestão do varejo. Esse é o caso das maquininhas C6 Pay, que estão integradas a mais de 1.400 softwares de gestão.

“Isso dá ao varejo uma alternativa, uma complementaridade de gestão que o Pix desintegrado da maquininha não dá. E como somos 100% autônomos, podemos nos integrar com múltiplos players”, diz o CEO da PayGo.

Mas o Pix não vai ter outras funções? Sim. A estreia da função boleto – que permite cobranças com vencimento em datas futuras – foi adiada de 4 de janeiro para 15 de março de 2021. O Banco Central promete para 2021 outras funções, como pagamento programado e o saque no comércio. Essas novas funcionalidades permitirão que o Pix ganhe força para substituir outros meios de pagamento.

Dá para esperar que o Pix vai pegar? Sim, para começar é preciso lembrar que o sistema não tem nem dois meses de operação. Katz diz que ele foi lançado no final do ano, melhores meses do ano de vendas para o varejo. “Não acho que a adesão ao Pix esteja devagar. É natural que o varejista não quisesse correr nenhum risco de perder vendas e por isso tenha decidido esperar um pouco para aderir.”

No caso do consumidor, a adesão deve se dar pelo costume, incentivo e praticidade. “O processo de aculturamento leva tempo. Mas o Pix traz tanta coisa legal, que é possível que esse costume mude em um salto”, diz Katz.

FONTE: 6 minutos, UOL

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