CPF Pay allows customers to make purchases at establishments without needing to carry a cell phone, wallet, card, or cash. The transaction takes place on the seller's cell phone, using a purchase password entered by the customer. After the sale, the amount is accumulated in the seller's balance and debited from the customer's account, and the balance can be withdrawn at any time.
Step 1: The customer loads funds into their CPF Pay account via QR code; the Pix Copia e Cola payment is processed through their bank's app.
Step 2: With the balance in the customer's account, the sale is completed by the seller, who provides the customer's information (CPF, Cell Phone, or Email).