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Which is way cheaper than credit/debit card charges from Visa and Mastercard.

And there's no surprise fraud claims.

My wife runs a small retail makeup shop on Shopify, which started before pix and those surprise false fraud claims almost killed the business.

Pix was such a game changer. It is perfect.

To give some reference, using stripe you pay 2-3% for credit card payments and PayPal charges you ~5% of the transaction amount. Apple store and Steam take 30%. So honestly 1% sounds like a great deal.

I think comparing Steam and to some extend Apple with payment methods, they are stores and it cost money to store apps and games and for this one I'm not 100% sure, but I read a while ago that they also pay taxes for you in the country you sell, while pure payment processing services are just a proxy to move money from one account to another. You could argue that 30% is high for that, but we aren't discussing it here.

> 4 BRL (aprox 1 USD)

I wish. That's off by 50%