Intro

The PIX, an instant payment method launched by the Central Bank in 2020, revolutionized commercial transactions in the country and already has 143 million registered Brazilians and more than 13 million companies. In this article, we are going to detail how this payment method works and how deferred PIX can be advantageous for your company. Stay with us to discover all the features and advantages of this payment method and how CrediPay can become your ideal partner when it comes to organizing your cash flow.

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Everything about deferred PIX: Benefits for your company's cash flow

PIX, launched in 2020 by the Central Bank of Brazil, quickly established itself as one of the preferred payment methods in the country, thanks to its convenience and low cost. For companies, particularly small and medium-sized companies (SMEs), the term PIX is an evolution of this system that can transform the way they manage their everyday purchases and payments. With CrediPay, you can buy from your supplier via PIX with deadlines of up to 90 days.

How does deferred payment via PIX work?

The deferred PIX is a payment method that allows small and medium-sized companies (SMEs) to buy directly with their suppliers with longer payment periods. Quite similar to the well-known term bill, the deferred PIX also helps with the financial organization of those who are buying. With greater flexibility to manage payments, your company can choose to purchase inventory more strategically, and still meet future financial obligations.

PIX term versus credit card

According to the 10th edition of the survey “Small Business Financing in Brazil”, released by Sebrae, the use of loans to pay bills is extremely limited: only 7% use financing from private banks and 4% from public institutions. This is because access to credit is still a challenge. Among the funding requests made by entrepreneurs, 54% were denied, highlighting the chronic difficulty that SMEs face in obtaining loans. This reality means that companies have to resort to the use of a credit card, often the personal card itself, to manage their accounts, facing high interest rates and reduced limits. According to the organization, 4 out of 10 small businesses use credit cards for financing.

Therefore, alternative payment methods are necessary to meet the needs of SMEs. In this context, the PIX is very strategic in the long term. Currently, purchases made by companies via term payment already represent only 20%, but we believe that by increasing the offer of these payment methods at the checkout, we will see the importance of the PIX in the term increase considerably over the next few years. Are you interested in using the PIX for term use for your next purchase? Contact us via WhatsApp and tell us the name of your supplier and we will contact you.

PIX term advantages for making purchases with your suppliers:

The deferred PIX payment or installment payment offers numerous advantages. Use this payment method through CrediPay it can help you with the different factors:

1. Increase in the number of sales: Companies often miss out on sales opportunities because they don't get enough inventory to meet customer demand. This is because managing inventory is very complex and, with the availability of limited cash, they must choose to buy fewer goods at once. With the deferred PIX, this reality changes: companies can buy larger inventories and be better prepared to serve their customers since they have access to flexible payment terms.

2. Cash flow improvements: We understand that managing cash flow effectively is crucial. With flexible payment schedules, you can plan and manage your finances without compromising your purchase plans through CrediPay.

3. Cost reduction: Lower fees compared to other installment payment methods.

4. Agility and Safety: Instant and secure transactions that minimize the risk of fraud.

Conclusion

The deferred PIX or installment payment is not just a payment tool; it is a business strategy that can help companies to better adapt to market requirements. By implementing term payment, companies not only increase their chances of success, but also strengthen their own financial management.

So, if you haven't considered the deferred PIX payment or a term payment for your company, ask your supplier with your next purchase if it already offers this new benefit. If the answer is no, tell him about the CrediPay And Ask That Get in touch!

For suppliers: How can I offer CrediPay to my customers?

To offer CrediPay as a payment method is very simple, we offer both a solution without any need for development, as well as a payment link, and a solution fully integrated with digital platforms (our documentation is available on Website too). Just contact us via WhatsApp to schedule a meeting with our team. We look forward to your contact!

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