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{"id":24061,"date":"2025-01-14T16:40:21","date_gmt":"2025-01-14T19:40:21","guid":{"rendered":"https:\/\/dev.blbescoladenegocios.com.br\/blog\/?p=24061"},"modified":"2025-01-15T19:02:02","modified_gmt":"2025-01-15T22:02:02","slug":"pix-e-cartao-de-credito-verdades-e-mitos-sobre-as-mudancas","status":"publish","type":"post","link":"https:\/\/dev.blbescoladenegocios.com.br\/blog\/pix-e-cartao-de-credito-verdades-e-mitos-sobre-as-mudancas\/","title":{"rendered":"PIX e cart\u00e3o de cr\u00e9dito: verdades e mitos sobre as mudan\u00e7as"},"content":{"rendered":"

Em setembro de 2024, a Receita Federal (RF) publicou a Instru\u00e7\u00e3o Normativa (IN) RFB n\u00ba 2.219<\/strong><\/a>, que estabelece novas regras para o monitoramento das transa\u00e7\u00f5es financeiras, incluindo as opera\u00e7\u00f5es realizadas via PIX e cart\u00f5es de cr\u00e9dito. Tais diretrizes entraram em vigor em 1\u00ba de janeiro de 2025 e, segundo a RF, visam principalmente fortalecer o combate a crimes financeiros.<\/span><\/p>\n

<\/span>De modo geral, a instru\u00e7\u00e3o normativa mencionada amplia a obrigatoriedade do envio de informa\u00e7\u00f5es \u00e0 Receita Federal por meio do sistema e-Financeira, que faz parte do Sistema P\u00fablico de Escritura\u00e7\u00e3o Digital (Sped<\/strong><\/a>). Nesse contexto, os principais pontos da IN n\u00ba 2.219\/2024 s\u00e3o os seguintes:<\/span><\/p>\n

    \n
  1. Obriga as operadoras de cart\u00f5es de cr\u00e9dito e as institui\u00e7\u00f5es de pagamento a reportarem transa\u00e7\u00f5es acima de R$ 5 mil, para pessoas f\u00edsicas, e R$ 15 mil, para pessoas jur\u00eddicas. Isso inclui opera\u00e7\u00f5es realizadas via PIX, DOC e TED, acumuladas durante o m\u00eas (frente aos R$ 2 mil que j\u00e1 estavam em vigor para os bancos tradicionais).<\/li>\n
  2. As informa\u00e7\u00f5es devem ser enviadas semestralmente \u00e0 Receita, inclusive por fintechs, bancos digitais e operadoras financeiras que n\u00e3o se enquadram como bancos tradicionais.<\/span><\/li>\n
  3. O primeiro envio de dados, referente ao primeiro semestre de 2025, dever\u00e1 ocorrer at\u00e9 agosto de 2025.<\/li>\n<\/ol>\n

    Al\u00e9m disso, \u00e9 importante ressaltar que essa instru\u00e7\u00e3o normativa n\u00e3o cria impostos ou tributos sobre o PIX, mas sim estabelece novas regras de monitoramento e fiscaliza\u00e7\u00e3o para a Receita Federal.<\/p>\n

    Na pr\u00e1tica, o PIX come\u00e7ou a operar em novembro de 2020 e revolucionou os meios de pagamentos at\u00e9 ent\u00e3o utilizados. De acordo com a Febraban<\/strong><\/a> (Federa\u00e7\u00e3o Brasileira de Bancos), estima-se que, em 2024, o PIX tenha operado um volume financeiro de R$ 27,3 trilh\u00f5es, atingindo um total de 63,7 bilh\u00f5es de transa\u00e7\u00f5es. Considerando que parte dessas opera\u00e7\u00f5es possa estar relacionada \u00e0 economia informal, a norma proposta pela IN n\u00ba 2.219\/2024 visa aprimorar o controle fiscal, combater a sonega\u00e7\u00e3o e reduzir a evas\u00e3o fiscal.<\/span><\/p>\n

    De fato, o PIX consolidou-se como uma cultura nacional e um grande aliado nas opera\u00e7\u00f5es financeiras, desde o pagamento do estacionamento at\u00e9 a compra de um carro. Contudo, percebe-se que essa cultura est\u00e1 mudando, principalmente devido a informa\u00e7\u00f5es distorcidas, teorias da conspira\u00e7\u00e3o e at\u00e9 mesmo a uma vis\u00e3o clara, de uma minoria, sobre os poss\u00edveis desdobramentos de tais medidas.<\/p>\n

    Embora a IN n\u00ba 2.219\/24 deixe claro que n\u00e3o cria impostos ou tributos sobre o PIX, n\u00e3o podemos ignorar que, na pr\u00e1tica, o governo ter\u00e1 acesso a uma vasta quantidade de informa\u00e7\u00f5es sobre transa\u00e7\u00f5es. Com esses dados em m\u00e3os, torna-se poss\u00edvel realizar simula\u00e7\u00f5es e tra\u00e7ar cen\u00e1rios para, eventualmente, estudar a possibilidade de algum tipo de taxa\u00e7\u00e3o no futuro.<\/p>\n

    Indiscutivelmente, o PIX est\u00e1 t\u00e3o presente em nossas vidas que, muitas vezes, nem percebemos o quanto ele facilita nosso cotidiano. Mas o fato \u00e9 que o pipoqueiro, o verdureiro, a barraca de caldo de cana t\u00eam come\u00e7ado a priorizar novamente o uso do papel-moeda, tend\u00eancia que pode se tornar cada vez mais recorrente e provocar uma corrida aos caixas eletr\u00f4nicos. Assim, ironicamente, enquanto surgem not\u00edcias sobre o ressurgimento do mercado de escambo no interior, a criptomoeda, por outro lado, passa a ser priorizada para as opera\u00e7\u00f5es mais robustas e complexas.<\/p>\n

    Recuo estrat\u00e9gico*<\/strong><\/h2>\n

    O Governo Brasileiro, resolveu, na tarde desta quarta feira (15), revogar a Instru\u00e7\u00e3o Normativa RFB 2219\/24, que ampliava a obrigatoriedade do envio de informa\u00e7\u00f5es \u00e0 Receita Federal por meio do sistema e-Financeira, que inclu\u00eda PIX, TED, DOC e cart\u00f5es de cr\u00e9dito.<\/p>\n

    O forte impacto negativo de tais medidas observado no mercado, somado \u00e0 poss\u00edvel quebra da cultura do PIX, pois ele se transformou em um grande aliado nas opera\u00e7\u00f5es cotidianas para todos, permitindo a redu\u00e7\u00e3o da base monet\u00e1ria (precisa imprimir menos notas de Real), e consolidando a maior parte das opera\u00e7\u00f5es em bases digitais, foi o ponto mais comentado sobre a Instru\u00e7\u00e3o.<\/p>\n

    Parte desse impacto pode ser creditado \u00e0s fake news e parte, segundo alguns analistas, \u00e0 possibilidade de o Governo, com riqueza de informa\u00e7\u00f5es, conhecer mais a intimidade de cada cidad\u00e3o, para poder, algum dia, estudar um tipo de taxa\u00e7\u00e3o.<\/p>\n

    Ainda, em um esfor\u00e7o para mitigar os danos causados pela NF 2219\/24, o Ministro da Fazenda, anunciou uma MP (medida provis\u00f3ria) a ser enviada pelo Governo e que vai equiparar os pagamentos em PIX e em dinheiro.<\/p>\n

    \u201c\u00c9 uma medida provis\u00f3ria que refor\u00e7a os princ\u00edpios tanto da n\u00e3o onera\u00e7\u00e3o, da gratuidade do uso do PIX, quanto de todas as cl\u00e1usulas de sigilo banc\u00e1rio em torno do PIX<\/em>\u201d, declarou o Ministro Fernando Haddad. \u201cA Medida Provis\u00f3ria garante a n\u00e3o tributa\u00e7\u00e3o da utiliza\u00e7\u00e3o dessa forma de pagamento e o sigilo na forma da legisla\u00e7\u00e3o aplic\u00e1vel<\/em>\u201d, conclui.<\/p>\n

    Certamente, a IR 2219\/24 ser\u00e1 revista na tentativa de monitorar a evas\u00e3o fiscal, sem causar danos \u00e0 sociedade.<\/p>\n

    Autoria de Jos\u00e9 Rita Moreira<\/strong><\/a>
    <\/span>S\u00f3cio-diretor de Finan\u00e7as
    BLB Auditores e Consultores<\/p>\n

    * Atualizado em 15\/01\/24, \u00e0s 18h50.<\/p>\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Em setembro de 2024, a Receita Federal (RF) publicou a Instru\u00e7\u00e3o Normativa (IN) RFB n\u00ba 2.219, que estabelece novas regras para o monitoramento das transa\u00e7\u00f5es financeiras, incluindo as opera\u00e7\u00f5es realizadas via PIX e cart\u00f5es de cr\u00e9dito. Tais diretrizes entraram em vigor em 1\u00ba de janeiro de 2025 e, segundo a RF, visam principalmente fortalecer o […]<\/p>\n","protected":false},"author":7,"featured_media":24062,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2,704],"tags":[1151,115,1073,985,301,1122],"class_list":["post-24061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artigos","category-financas","tag-cartao-de-credito","tag-financas","tag-mudancas","tag-pix","tag-receita-federal","tag-regras"],"yoast_head":"\nPIX e cart\u00e3o de cr\u00e9dito: verdades e mitos sobre as 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