Instant Payments - PIX

We have two new payment templates to use in the Accounts Payable Bordereau routine:

• 45 - PIX - Transfer
• 47 - PIX - QR Code

After the system is updated with the dictionary package, they will be available in table 58 - Payment method - SISPAG, at the Configurator.

To account for the PIX collection process, we created two standardized entries (LPs). Below are their setup details:

54G - Accounts Receivable - Portfolio transfer to PIX

54H - Accounts Receivable - PIX transfer to portfolio

• This LP reverts LP 54G

Both LPs are triggered:

• In the online accounting using the PIX Monitor (FINA890) routine:
  • 54G - In the Generate CNAB option that generates the CNAB remittance files for PIX collection. This operation is an accounting fact.
  • 54H - In the Generate CNAB option, when there are bills in the status Cancellation Requested (caption) that will be considered in the 4th screen of the wizard for sending the cancellation request to the bank.
  • Note: For the online accounting to happen, the "Account online?" question must be set to "Yes" (F12 parameters from the PIX Monitor routine).
  • More details about this routine are throughout this page.
• In offline accounting using the Multi-Thread Offline Accounting routine (CTBAFIN). 

Remember that journal entries related to PIX must be considered in working days, regardless of whether they are being performed on weekends and holidays.

In the bank registration, the new ISPB field is the Brazilian Payment System Identifier that is needed for submission in CNAB Receivable.

This link presents an updated list: https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf

The bank registration also has a new screen for listing PIX Keys linked to each bank/branch/account record.

In Other Actions within the bank record, the new PIX Keys option allows you to link up to 20 PIX keys per account, but only one key can be active.

The PIX keys cannot be used by another bank, since Bacen's DICT assures this integrity to the financial system.

The system allows the following key types: e-mail, mobile phone number, EIN, and random.

This new table that stores the banks' PIX keys (table F70) must have the same sharing as the environment's banks table (table SA6).

To use the integration with Banco do Brasil, it is necessary to inform the register of the official bank (A6_BCOOFI) "001", which is the identifier code of Banco do Brasil.

The suppliers’ registration has a new screen for listing the PIX keys linked to the supplier record.

In Other Actions within the Suppliers record, the new PIX Keys option allows you to link PIX Keys to the supplier. Only one key can be active at a time.

The PIX keys cannot be used in another supplier, since Bacen's DICT assures this integrity in the financial system.

The system allows the following key types: e-mail, mobile phone number, EIN/SSN, and random.

This new table that stores the suppliers' PIX keys (table F72) must have the same sharing as the environment's suppliers table (table SA2).

For PIX transfers (template 45) missing the supplier's PIX data, the Bank, Branch Cd, Checking Acct, and Sup. Acct. Tp fields must be entered for a successful transfer.

In the customer complementary data registration (in Other Actions, Customer Complement), two new fields are available: Generate PIX and E-mail PIX.

In the Generate PIX field, you must enter if the customer's bills will be generated by the billing routine with the PIX payment method, where:

• Option 1 indicates that the customer does not want to receive a system default e-mail (in development) with the PIX QR Code, only the code generation
• Option 2 indicates that the customer wants to work with PIX and receive a system default e-mail (in development) with the PIX QR Code.
• Option 3 indicates that the customer does not want to have their bills automatically generated by billing in the PIX payment method. (default option)

In the Collection Status record, a new question, "PIX Status", was created to identify that bills in this collection status are from the PIX Payment Method.

The system only allows one collection status with this characteristic (PIX Status = Yes).

In a new installation, this situation has the K code. For existing installations, the next one available will be created with this feature.

This routine did not need adjustments because it natively allows the configuration of the new layout blocks for the main banks.

In the complement for bills in the Accounts Receivable record, a new tab called PIX was created, with a new field (Generate PIX) to store the information on whether the bill can be received by PIX or not.

By setting this field to Yes, the PIX process is started, generating the information in the PIX Monitor. If it is set to No, the respective PIX is canceled.

This field is not enabled for RA (Advance Receipt) bill types, since the receipt process is done.

For bills from customers in which the Generate PIX field is set to 1 or 2, in the customer compliment, the Generate PIX field of the bill complement starts automatically with Yes when these bills are generated.

This routine now handles the new layouts for 750 positions of the PIX bills receivable through the new "PIX Template" option in the "CNAB Configuration" question that used to have only options "Template 1" and "Template 2".

Since the PIX operation now allows a bill to be in bordereau and PIX simultaneously, this routine now automatically cancels a flow when the other one is finished.

Example: 

• Flow 1: The bill was put in bordereau and sent to Bank A
• Flow 2: A PIX for the same bill was issued to Bank B
• Therefore, if the bordereau is paid in Bank A (Flow 1) when this post is processed, the routine automatically triggers the PIX Cancellation Request process in Bank B (Flow 2).
• Or, if the PIX is paid in Bank B (Flow 2) when this post is processed, the routine automatically creates the bill cancelation instruction in Bank A's bordereau (Flow 1) for later submission to the bank using the Collection Instruction routine (FINA151).

The PIX Wizard (FINA893) is the routine responsible for validating connection credentials with TOTVS Instant Pay and/or Banco do Brasil.

Configuration of monitoring scheduling, QR Code generation, and PIX processing.

For further information about the routine, refer to PIX Wizard

After configuring this routine, it is possible to send and receive the data online through schedules FINA892 and FINA892A. For more information, visit - Job for sending and returning records in PIX billing status.

This new routine is responsible for the complete control of bills that can be paid using the PIX payment method. 

It must be added to the Updates, Bank Commun. menu. Its code is FINA890.

All bills generated by Financials or Billing that have the Generate PIX field set to Yes are automatically listed in the PIX Monitor (F71).

This new table that stores the PIX bills information (table F71) must have the same sharing of the bills receivable table (table SE1) in the environment.

Caption for bills in the PIX Monitor routine:

Using this option, it is possible to select the bills to be sent to the respective bank online and/or via PIX CNAB.

The routine analyzes the banks configured with a main PIX key and Bank Parameters and, using a wizard, guides the user to select the bills liable for PIX registration requests in each selected bank.

In the same operation, the system also puts, in the same CNAB file, the PIX cancellation requests for the respective bank. These cancellation requests are made using various system points when, for example, a bill balance is edited.

The Wizard has the following characteristics:

• It has the same initial validations and is not run without them
  • It checks whether there are bills with the status CNAB to generate/Waiting for integration or Cancelation Requested. 
  • If there are banks with PIX keys configured as main.
  • If the bank parameter registration is configured to the banks identified above. The bank parameter in question must have the field No. Bytes = 750 to indicate that it is a PIX and/or was configured via the wizard for online transactions.
• First Screen - Routine Presentation
  • This presents the routine functionalities
• Second Screen - Bank Selection
  • This presents the configured banks with a PIX key that are parameterized for the user's selection since they can generate PIX. Various banks can be selected at the same time.
  • At this point, the user can change the type and the PIX key that each bank has in their records for use in this PIX file generation.
  • The Configuration File column can be edited by the user if needed and is automatically filled in if the system identifies, in the environment's system folder, the configuration file in the nnn_PIX.RET format, where nnn is the bank code. 
  • The Output File column can be edited by the user if needed and is automatically filled in with the generation's bank code, year, month, day, hour, and minute plus the extension entered in the bank parameter. This column also uses information from the MV_LOCENV parameter, if entered.
• Third Screen - Bills Selection
  • This screen is displayed to all banks selected on the second screen.
  • It presents all bills that can be sent to the banks for PIX registration. For the first bank, we have all the bills with the status CNAB to generate. As some are selected to the first bank, they are not available for the second bank anymore, and so successively. 
• Fourth Screen - Cancellations
  • This screen displays the bills that had the PIX cancellation requested for the banks selected in screen no. 2. These are added automatically to each CNAB file generated from the respective bank.
• Fifth Screen - File Generation
  • To each generated file, we present the operation success and the name of the file generated.

This option allows you to resend emails to notify customers about the PIX collections, making the QR Code available for payment (same template of the PIX report, "Print PIX" option). This is possible when the PIX is in status "QR Code Generated" (caption ), i.e., after it is sent to the bank, and the Entry Confirmed return is received.

• Parameters used
  1. Positioned bill - This defines if the PIX collection e-mail using QR Code will happen only for the bill positioned in the browse. If set to Yes, the other questions will not be considered. If set to No, the other questions must be answered.
  2. Issuance From/To - This defines the data interval to filter the PIX bills by issue date (the filter considers table F71, not table SE1, but the information is the same).
  3. Due Date From/To - This defines the data interval to filter the PIX bills by the due date (the filter considers table F71, not table SE1, but the information is the same).
  4. Customer - This defines the customer to whom the PIX collection e-mail will be sent for the record if the question Positioned Bill is set to No.
  5. Store - This defines the customer's store to which the PIX collection email will be sent for the record if the question Positioned Bill is set to No.

This option allows you to configure collection letters, messages sent with the collection letters, and QR Code, plus parameterizing the PIX value that will be sent in the remittance file.

The screen is divided into 3 grids (rows):

• Grid 1 - Collection letter
  • Addition Layout Code and Deletion Layout Code - In these fields, you must enter the collection letter template used for sending the newly generated PIX bills and the canceled PIX bills to the customer.
• Grid 2 - Default message
  • Field for the customer to enter a message that will be sent to all customers with the QR Code, so that the payer user will know who sent the code.
• Grid 3 - PIX Value parameters in the CNAB remittance
  • This configuration determines the calculation method for the PIX Value (F71_VLRPIX) field. This field can be used when generating the remittance file. You just have to use it in the PIX remittance layout for that. 
  • Setting the PIX value may consider: increasing or decreasing the balance value, the ancillary values (FINA035), and/or the taxes generated in the issuance or that will be generated in the bill posting.
  • The FINVLPIX entry point was created in case the customer wants to customize the value to be sent to the bank.
  • For more information on this entry point, check the link - Entry Point - FINVLPIX.
• Grid 4 - Purpose and history of PIX posting
  • Using the MV_FINPIX7 and MV_FINPIX8 parameters, you can configure a default purpose and history of posting to be used in all PIX postings.
  • Posting purpose (MV_FINPIX7): This parameter is intended to set the default posting reason with bank transactions that will be used in all PIX postings.
  • Posting History (MV_FINPIX8): This parameter is intended to configure the PIX default posting history that will be saved in the E5_HISTOR, FK1_HISTOR, and FK5_HISTOR fields.
• Grid 5 - Type of bank communication
  • Indicates how transactions will be performed on the PIX monitor. Saves the settings in the MV_FINPIX9 parameter.
  • Default CNAB configuration.
• Grid 6 - Record conciliation.
  • Exclusive item for online use. 
  • Indicates whether the return of the records is the conciliated banking transaction entered or not. Saves the configuration in the MV_FIPIX10 parameter.

• NOTE: The FINPIXMAIL job will be configured when you confirm the environment configuration. For more information about the job - FINPIXMAIL - Job for sending out bills in PIX status e-mail.

The PIX collection cancellation process using the PIX Monitor routine happens according to the bill status in PIX (F71_STATUS).

The chart below explains the cancellation behavior in relation to the bill status in PIX:

In the bill complement, in the Accounts Payable record, at the new PIX tab, a new field stores the information corresponding to the QR Code of that received bill.

This field can receive the QR Code content in at least two ways:

• QR Code reader connected to the computer
• Using the barcode_scan.exe app provided by TOTVS for this end (click here for more information and download) that must be in the system's SmartClient folder. This app is started using the Other Actions >> Read PIX QR Code option. Using this app, you can navigate through the emails, PDFs, and images where the QR Code that represents the positioned bill's PIX is available, and scan the image. When the scan is successful, the information is sent to the computer's clipboard. Then, select the field in question and use Windows Paste (CTRL + V) to link the information to the bill.

With the information available in the field, when the user leaves the field, the system will interpret the QR Code entered and display some information, such as Beneficiary, Value, Currency, City, Country, and Postal Code of the bill, so that the user can check if the QR Code was scanned successfully.

The system also allows taxes bills such as the INSS to receive the QR Code information. However, in these cases, the bill complement tab will only enable fields from the CNAB and PIX tabs for filling in.

• Please note that only Dynamic QR Codes are sent to the Payment CNAB natively with the template provided by CNAB CLOUD. As an example of the difference between a Dynamic and Static QR Code, after being decoded, we can cite that the Dynamic has a URL, and static has the receiver's Pix key:
  • Fictitious Example of a Dynamic QR Code:00020101021226740014br.gov.bcb.pix2552com/pix/8baaa2f3-9c41-40d1-a91a-bc93113bd4415204000053039865406123.455802BR5913John Doe6008BRASILIA62190515RP12345678-20196304FA24

• • Fictitious Example of a Static QR Code: 00020101021126440014br.gov.bcb.pix0122[email protected]5204000053039865802BR5913JOHN DOE6008BRASILIA6304DAE3 

Using the CNAB Cloud Wizard routine, the layout that serves the CNAB for 240 positions from the main banks in Accounts payable will be provided, easing the configuration of the respective layouts.

This routine did not need adjustments because it natively allows the configuration of the new layout block for the main banks.

These routines now validate the new templates 45 - PIX - Transfer and 47 - PIX - QR Code that can only be used if the bank/branch/bordereau account has an active PIX key in Banks registration > Other actions > PIX keys. 

• Template 45 - PIX Transfer must be selected for building bordereaux for transferring values to the suppliers. The supplier for these bills must have an active PIX key in the respective supplier PIX Keys record.
• Template 47 - PIX QR Code must be selected for building payment bordereaux for the bills that have a QR Code scanned in the respective bill complement field in the PIX tab.