The bank slip is one of the most widely forms of payment in Brazil . Since 2018, however, the issuance of a registered slip has become mandatory .
This measure was by FEBRABAN (Brazilian Federation of Banks) in order to reduce scams that occur using this payment method . Thus, the bank slip fee is so that the entrepreneur has the right to issue the document.
However, many entrepreneurs and customers do not understand the obligations involved in paying bank slips . In this article, we will learn more about bank slip fees, the legislation and how they work in your business. Find out more!
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What is the difference between fines, interest and bill fees?
The bank slip allows for vietnam whatsapp number data payment , without the customer having their data linked to specific banks or financial institutions. However, to combat default, it is possible that the payment may be accompanied by interest and fines.
These two rates are different from each other, but in addition to them, there is also a specific boleto rate. Learn more about each value:
- Interest : this is a charge that takes into account the number of days the bill is late in being paid. In other words, it “penalizes” the customer for late payment – it should be limited to a maximum of 1% per month (or 0.033% per day).
- Fine : this charge is, regardless of the delay time, there will be a percentage that must be – the amount cannot be greater than 2%.
- Boleto fee : also called TEC (Tarifa de Emissão do Carnê/Boleto), this is a charge made by financial institutions to companies that use this payment method. The amount varies, from R$1 to R$10 per boleto, depending on the institution.
Among these fees, fines and interest on bills are the customer’s obligations , configured via the system and charged in cases of late payment.
Who pays the ticket issuance fee?
According to Procon, the providers in russia Protection Code (CDC) and the Civil Code, passing on the bank slip fee charge to the customer is illegal . The customer must only pay the amount corresponding to the purchase he made. This debt is the responsibility of the issuer of the slip, whether an individual or a legal entity.
Article 51 of the Consumer Protection Code states that all contract clauses relating to the provision of services/products that transfer the supplier’s responsibilities to third parties are null and void.
Art. 51. The following contractual clauses relating to the supply of products and services are null and void, among others:
XII – oblige the consumer to reimburse the costs of collecting their obligation, without the same right being granted to them against the supplier;
The article also does not approve the establishment of abusive obligations , which leave the customer at a great disadvantage or which are not compatible with good faith, forcing the customer to assume collection costs that are the supplier’s responsibility.
Therefore, if you receive an undue charge on your bill, you can ask questions and contact the seller for clarification. If talking to the supplier is not enough, you can contact the city’s Procon to file a complaint .
What law prohibits charging a bill fee?
According to Law No. 8078/1990 (article 56) , any europe email that fails to comply with the rules must return double the amount charged illegally. The issuer of the bill is also subject to paying a fine.
Article 57 explains that the penalty varies according to the financial condition of the enterprise and the level of severity of the infraction .