Decree No. 11.678, of August 30, 2023, changed the PAT rules.
Keep up to date with the main changes:
Companies that offer the PAT to their employees already had a duty to have programs designed to promote and monitor the health and improve the food safety of their workers. Now, these programs must have targets and guidelines.
Companies that offer PAT to their employees will not be able to receive benefits such as the payment of invoices, bills or slips from companies that offer PAT (Facilitators), even if these payments are made through points or loyalty programs.
Amounts paid under the PAT cannot be cashbacked.
Greater detail on portability rules, providing that amounts relating to the same product of the same nature and held at different institutions will be subject to portability. Portability will cover the balance of the payment account held by the PAT facilitator and will be free of charge. In order to carry out the portability, the worker must inform, in paper or electronic form, the details of the payment account to which the amounts will be transferred. If the worker wishes, he or she can authorize the institution receiving the funds to provide the information needed to carry out the portability.
Any institution that fails to comply with the portability rules will incur a fine.
The payment arrangements provided for in the PAT must comply with the regulations established by the CMN. In practice, this rule currently has no practical consequences, as the Central Bank does not require approval from the institutions participating in the PAT arrangement.
Is there more change to come?