Pix Automatic: know in which situations MEI can use to improve your financial management

A survey conducted by MaisMei revealed that Pix is the most used transaction method by individual microentrepreneurs (MEI), being the main means for about 60% of respondents. Recently, the tool has become an even more important ally for the financial organization of microentrepreneurs, through the Automatic Pix. Created by the Central Bank to replace slips and automatic debits, it is used for recurring payments, such as electricity bills, water, suppliers and even monthly services. In the case of MEIs, the Automatic Pix serves as an aid for those with greater difficulty in managing their revenues: organizing payments, reducing delays and reducing cash flow. 

“The idea came to give greater practicality to both the consumer and the microentrepreneur, but for the second case the Pix Automatic plays an even more important role because, historically, we observed a scenario in which many small entrepreneurs face difficulties to keep the accounts up to date. And this, depending on the case, can generate large financial losses due to fines for delay”, explains Kalyta Caetano, an accountant specializing in MEI at MaisMei, which assists management for microentrepreneurs through a SuperApp . 

Another advantage, for MEI itself, is the guarantee that its customers will pay on time. “Money falls into the account of the month, on the combined date.Specially for those who work with service and usually have recurring demands, this functionality has offered greater security to microentrepreneur”, says Kalyta Caetano. 

Among the practical examples are the MEI that acts as a hairdresser and offers weekly or monthly daily packages that use this tax regime . 

The process of joining the Automatic Pix is simple, it is only necessary that the MEI requests the customer, and he makes the authorization through the application of your bank. It is possible to stipulate the maximum amount per transaction, ensuring greater control of what enters and leaves the account. From these settings, payments happen automatically, without having to repeat the process. 

Pix Automatic is for MEI tax?

Although this new functionality has become a major advance for the management of the individual microentrepreneur, it does not allow the person responsible for the CNPJ MEI to make the automated recurring payment of the monthly contribution guide (DAS), one of the most important obligations for this type of taxation. “O Pix Automatic works only between individuals, requiring an authorization from those who pay or receive. In the case of DAS, it is worth remembering that it is a regulated tax, with a new ticket every month. For this reason, the Government does not receive Pix Automatic, as it is not a contractual recurrence payment, such as a service subscription, for example, the account of MoreMei explains.

Kalyta recalls, however, that this is a possibility for the future.“O Central Bank has already stated that public bodies can join the Automatic Pix in the future, but this depends exclusively on regulation of the Government itself.  

For those who want to facilitate the fulfillment of this obligation and avoid delay in the DAS, MaisMei itself offers, in its SuperApp, the automation of much of this process: in addition to automatic reminders, MEI can generate DAS without having to enter the official government portal every month.In cases of delays and possible irregularities, there is also the free tool “MEI” Diagnosis”, for the automatic consultation of all pending issues in the CNPJ, with just one click. The company also offers assistance in regularization.