Pix’s random key is one of the types of identifier in addition to email, social security number or cell phone. The modality is mainly aimed at those who prefer not to pass on personal data to strangers and, in this way, protect privacy. This is one of the options available in Pix’s registration by some banks and allows you to generate a code to share with contacts and receive transfers. Next, check out six questions and answers to understand how Pix’s random key works.
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Pix allows you to create a random key to receive payments without sharing personal data – Photo: Helito Beggiora / TechTudo
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1. What is Pix’s random key?
As the name says, the random key is a code generated randomly by the Central Bank, consisting of letters and numbers and that allows the user to receive transfers from third parties, without having to provide personal data such as e-mail, CPF or telephone. Pix’s random keys can be used only once or in several transactions without the user having to generate new codes with each transfer received.
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2. What are the advantages of using a random key?
The random key offers more privacy, as it prevents the user from being obliged to provide private data to unknown people or companies. This modality helps to protect personal information also because it is disposable: the user is the one to choose whether to delete the key after receiving a transfer or to reuse the same code for future transactions. You can remove the random key and create a new one at any time.
It is worth remembering that, although the random key does not give clues from the user, when confirming the transfer, data such as full name and some CPF digits will be displayed on the payer’s screen. In addition, it is important to note that not all banks allow you to transfer to a random key. Nubank, for example, does not yet allow you to enter such a code when making a Pix. Before providing a random key, therefore, it is necessary to know whether the payer’s institution accepts this type of identifier.
Random key is an alphanumeric code that replaces CPF, phone and email as Pix’s identifier – Photo: Paulo Alves / TechTudo
3. How to generate a random key?
To generate a random key, the user must use the bank or fintech application that offers Pix registration. The menus can change, so you need to look for the key registration function and select the “random key” option. As it is an extensive alphanumeric code, the user must copy the random key and paste it into a message to share with a contact. In this way, it is possible to reduce the chances of any typos that may prevent the transfer.
If the user prefers, it is possible to delete the current random key and generate a new one, following the same procedure that he used to create the first key. From there, the old code will be automatically unlinked from the bank account. It will therefore be permanently deleted and can no longer be used to receive money or linked to another Pix user account. It is worth remembering that, different from the valid rule for CPF and telephone, for example, it is possible to generate random keys in several banks – they will always be different from each other.
Random key must be offered in the register next to cell phone, CPF and e-mail – Photo: Photo: Reproduction / Lívia Dâmaso
5. How to make a Pix using a random key?
To make a Pix using the random key, just access the bank application as usual and select, in Pix’s alternatives, the option of random key for transfer. Then, the user must paste the alphanumeric string provided by the payee into the recipient field and check the data on the confirmation screen.
Pix via random key should not be confused with “Pix Copia e Cola”, which is a function that allows you to copy and paste the QR Code of a given account in text form. This function usually stays in a different menu than the one that shows the options of recipient keys to choose when making a transfer. Its function is to allow the use of QR Code to pay when it is not possible to read the image using the cell phone camera.
Enter the Pix key on the bank app’s transfer screen – Photo: Photo: Reproduction / Lívia
6. Is it possible for two people to have the same key?
No, only one person can have the same random key. This is because, even though the keys are generated via the bank’s application, the Central Bank is responsible for providing the code. The institution in this way is the one who effectively controls the strings centrally, ensuring that no random key will be the same as the other.
*The article has been translated based on the content of Source link by https://www.techtudo.com.br/listas/2020/12/o-que-e-chave-aleatoria-do-pix-como-funciona-para-fazer-transferencias.ghtml
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