{ "corpus": "orca-product", "format_version": "1", "built": "2026-09-26", "snapshot": "2026-09-20", "commit": "019924ac64ee0aa0742b8f02a04488a83633385d", "license": { "name": "Creative Commons Attribution 4.0 International (CC BY 4.0)", "spdx": "CC-BY-4.0", "url": "https://creativecommons.org/licenses/by/4.0/", "attribution": "Data from Orca (https://qstve.com/orca/), CC BY 4.0. Snapshot 2026-09-20.", "notice": "Reference material about published payment rules. Not legal, compliance or financial advice. Orca cites rulebooks by section and edition and does not reproduce them; rights in the cited documents stay with their authors." }, "uid": "pix:txn.pix-automatico", "rail": "pix", "page": "../../../pix/pix-automatico.html", "product": { "uid": "pix:txn.pix-automatico", "id": "txn.pix-automatico", "slug": "pix-automatico", "rail": "pix", "rail_name": "Pix", "governing_authority": "Banco Central do Brasil", "snapshot": "2026-09-17", "page": "pix/pix-automatico.html", "file": "data/products/pix/pix-automatico.json", "name": "Pix Automatico", "anchor": "an authorisation of its own, a lifecycle of its own (5 states), 3 code sets of its own", "transaction_type": { "uid": "pix:txn.pix-automatico", "name": "Pix Automatico", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "A recurring Pix for paying a business. The payer authorises it once, at their own bank, before the first charge; after that the business's bank sends a payment instruction for each charge, from 2 to 10 days before it is due, and the payer's bank schedules it and sends the payment itself on the due date between 00:00 and 08:00, retrying that evening if funds or limit fall short. Every collection is a credit push from the payer's bank, not a debit taken by the business, and it settles as an ordinary Pix. Only a legal person whose CNPJ has been active for at least six months can be offered it as the receiver; every participant holding accounts must offer it to its customers as payers, though one may ask the BCB to be excused for business accounts.", "effective_since": "2025-06-16", "effective_note": "Redrafted 2026-09-23 from the documents named in basis, replacing the 2026-09 Orca Core migration stub (effective 'Long-standing', no source opened). The Regulamento's Pix Automatico subsection was added by Resolucao BCB n. 402 of 22/7/2024; IN BCB n. 513/2024 art. 17 II puts its Pix Automatico procedures in force on 2025-06-16, the date used here, as on the Mandate. The stub's corroboration of 2026-09-22 checked the earlier summary; the summary is new, so the record returns to draft and awaits re-validation.", "source_edition": "Regulamento Pix annexed to Resolucao BCB n. 1/2020, consolidated text version 41 as served on 2026-09-23, Chapter V, Section II, Subsection IV; Instrucao Normativa BCB n. 513 de 30/8/2024, consolidated text as served on 2026-09-23, with the amendments by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026 shown in place", "directions": [ "credit" ], "account_types": [ "any" ], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "arts. 11-Q to 11-V" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "arts. 5 to 7 and 17 II" } ] }, "counts": { "rules": 28, "mandates": 1, "states": 5, "code_sets": 3, "reason_codes": 0, "roles": 4, "members": 38 }, "trust": { "members": 38, "by_status": { "draft": 1, "corroborated": 37, "verified": 0, "superseded": 0 }, "strongest_source_class": "authoritative_primary" }, "roles": [ { "uid": "pix:role.payer", "name": "Usuario pagador", "kind": "party", "via": [ "given_by" ] }, { "uid": "pix:role.payer-psp", "name": "PSP do pagador", "kind": "institution", "via": [ "given_to", "binds" ] }, { "uid": "pix:role.receiver-psp", "name": "PSP do recebedor", "kind": "institution", "via": [ "binds" ] }, { "uid": "pix:role.receiving-user", "name": "Usuario recebedor", "kind": "party", "via": [ "given_to" ] } ], "mandates": [ { "uid": "pix:mandate.pix-automatico-authorisation", "name": "Pix Automatico authorisation", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The standing consent behind Pix Automatico. The payer gives it once, to their own bank, before the first collection; it lets that bank pay, without asking the payer again, each instruction the named business's bank sends within its terms, and it is at the same time the payer's permission for that business to keep sending instructions. Nothing is pulled: every payment is a credit push the payer's bank makes. The payer can cancel it at any time and change some of its settings on their own; the business can have it cancelled too.", "form": "A recurrence record the business creates at its bank through the API Pix (identifier starting with R; one created under Open Finance starts with C), which becomes an authorisation when the payer confirms it in their own bank's logged-in Pix app through one of four journeys. The two banks keep it in step with pain.009, pain.011 and pain.012 messages through the SPI; the confirming pain.012 records which journey was used. The payer's bank holds the authorisation and shows it under the Pix Automatico menu; the business's bank holds the recurrence. Its identifier is shown to the payer.", "scope": [ "payments to one named business, a legal person whose CNPJ has been active for at least six months, for one stated purpose that may bundle several products or services billed together", "one charge per cycle, on a period chosen from weekly, monthly, quarterly, half-yearly and yearly, from a first payment date the authorisation states, for a set term or until cancelled", "a fixed amount, or variable amounts under a maximum the payer may set and the business may put a floor under", "optionally, funding from a pre-approved credit line when the balance falls short, if the payer leaves that on", "optionally, retries on up to three later dates within seven days of a missed due date, if the business's policy provides for it", "credit pushes by the payer's bank only; no collection is ever debited by the business or its bank" ], "constraints": { "recurrence": { "max_occurrences": null, "text": "The period is one of five, closed by IN BCB n. 513/2024 art. 2: weekly, monthly, quarterly, half-yearly or yearly. The typed field cannot hold the half-yearly value and cannot say one of five, so no period is typed. One charge per cycle; the number of cycles follows from the term, which may be open." }, "counterparties": { "text": "Exactly one business, named in the authorisation by its CNPJ as the Federal Revenue registers it; an instruction naming anyone else is refused (pain.014 CRNC). The payer and the debtor may differ, and both are shown." } }, "governed_by": [ { "uid": "pix:rule.automatico-a-standing-authorisation-not-a-debit-pull", "name": "Pix Automatico: one authorisation, then collections the payer's bank pushes" }, { "uid": "pix:rule.automatico-four-journeys-to-an-authorisation", "name": "Pix Automatico: the four ways an authorisation is given" }, { "uid": "pix:rule.automatico-a-pending-request-lapses-after-30-days", "name": "Pix Automatico: a journey 1 request stays open for at most 30 days" }, { "uid": "pix:rule.automatico-journey-3-needs-the-first-payment-to-settle", "name": "Pix Automatico: in journey 3 the first payment is a condition of the authorisation" }, { "uid": "pix:rule.automatico-what-an-authorisation-must-state", "name": "Pix Automatico: the parameters every authorisation carries" }, { "uid": "pix:rule.automatico-five-recurrence-periods", "name": "Pix Automatico: weekly, monthly, quarterly, half-yearly or yearly, and one charge per cycle" }, { "uid": "pix:rule.automatico-a-cycle-on-a-day-the-month-lacks", "name": "Pix Automatico: when a cycle's day does not exist in the month" }, { "uid": "pix:rule.automatico-the-payer-sets-the-maximum-the-business-sets-its-floor", "name": "Pix Automatico: who fixes the ceiling on a variable authorisation" }, { "uid": "pix:rule.automatico-what-the-payer-may-edit-and-when-it-bites", "name": "Pix Automatico: what the payer may change on a live authorisation" }, { "uid": "pix:rule.automatico-a-pre-approved-credit-line-may-fund-it", "name": "Pix Automatico: a pre-approved credit line may pay what the balance cannot" }, { "uid": "pix:rule.automatico-who-may-offer-and-who-may-collect", "name": "Pix Automatico: every account provider offers it to payers, and only established businesses may collect" }, { "uid": "pix:rule.automatico-instructions-go-2-to-10-days-ahead", "name": "Pix Automatico: when a collection instruction may be sent" }, { "uid": "pix:rule.automatico-settlement-date-is-the-due-date", "name": "Pix Automatico: the settlement date is the due date, and payments run on any day" }, { "uid": "pix:rule.automatico-the-payers-bank-schedules-within-2-hours-or-refuses", "name": "Pix Automatico: the payer's bank schedules within two hours or refuses" }, { "uid": "pix:rule.automatico-settles-between-00-and-08-with-an-evening-retry", "name": "Pix Automatico: the settlement window on the day and the same day retry" }, { "uid": "pix:rule.automatico-retries-on-later-days", "name": "Pix Automatico: retries on later days, at most 3 within 7 days" }, { "uid": "pix:rule.automatico-a-settlement-error-allows-a-same-day-resend", "name": "Pix Automatico: resending after an error in the settlement flow" }, { "uid": "pix:rule.automatico-cancelling-one-scheduled-payment", "name": "Pix Automatico: calling off one scheduled payment" }, { "uid": "pix:rule.automatico-three-refusal-families-and-who-raises-them", "name": "Pix Automatico: the three places a collection can be refused, and who refuses" }, { "uid": "pix:rule.messages-pix-automatico-authorization-messages", "name": "Pix Automatico: authorization messages" }, { "uid": "pix:rule.messages-pix-automatico-instruction-messages", "name": "Pix Automatico: instruction messages" }, { "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions", "name": "The user can drive the limit in both directions" } ], "revoked_via": [ { "uid": "pix:rule.automatico-either-side-may-cancel-the-authorisation", "name": "Pix Automatico: cancelling the authorisation, and the recorded reasons" }, { "uid": "pix:rule.automatico-cancelling-the-authorisation-stops-what-is-scheduled", "name": "Pix Automatico: what a cancellation does to payments already scheduled" } ], "evidenced_by": [], "disputed_via": [ { "uid": "pix:exc.med", "name": "Mecanismo Especial de Devolucao and Recuperacao de Valores", "shared": true } ], "given_by": [ { "uid": "pix:role.payer", "name": "Usuario pagador", "note": null } ], "given_to": [ { "uid": "pix:role.payer-psp", "name": "PSP do pagador", "note": "Regulamento art. 11-Q par. 1 inciso I: the authorisation is given to the payer's own bank." }, { "uid": "pix:role.receiving-user", "name": "Usuario recebedor", "note": "The same act is the permission the business needs to send instructions (art. 11-Q par. 1 inciso III). given_to cannot say which of the two it is, so both are linked with a note." } ], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "arts. 11-Q to 11-V" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "arts. 2 to 11 and 15-A" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "sections 2.4.3 and 2.8, Annex I section 5.1, Annex IV sections 2 and 4" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15" } ] } ], "states": [ { "uid": "pix:state.recurrence-created", "name": "Pix Automatico recurrence: created", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The business has created the recurrence at its bank and the payer has not yet authorised it. In journey 1 a confirmation request is on its way to, or waiting at, the payer's bank; in journeys 2 to 4 it waits behind a QR code. On the messages it is pending (PDNG).", "terminal": false, "money_moved": "no", "visible_as": "API Pix recurrence status CRIADA; pain.012 MandateStatus PDNG; the payer sees it under Pending authorisations in journey 1", "precedes": [ { "uid": "pix:state.recurrence-approved", "name": "Pix Automatico recurrence: approved by the payer" }, { "uid": "pix:state.recurrence-rejected", "name": "Pix Automatico recurrence: rejected" }, { "uid": "pix:state.recurrence-cancelled", "name": "Pix Automatico recurrence: cancelled" } ], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex I section 5.1 item VII, and Annex IV sections 2.1.4 and 2.1.6" } ] }, { "uid": "pix:state.recurrence-approved", "name": "Pix Automatico recurrence: approved by the payer", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The payer has authorised the recurrence, so the business's bank may now send collection instructions under it. On the messages it is confirmed by the payer (CFDB). Only in this state does the payer's bank schedule a collection; an instruction against any other status is refused (pain.014 MSUC).", "terminal": false, "money_moved": "no", "visible_as": "API Pix recurrence status APROVADA; pain.012 MandateStatus CFDB; listed under Active authorisations in the payer's app", "precedes": [ { "uid": "pix:state.recurrence-expired", "name": "Pix Automatico recurrence: expired" }, { "uid": "pix:state.recurrence-cancelled", "name": "Pix Automatico recurrence: cancelled" } ], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex I section 5.1 item VII, and Annex IV sections 2.1.4 and 2.1.6" } ] }, { "uid": "pix:state.recurrence-cancelled", "name": "Pix Automatico recurrence: cancelled", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The payer, the business or either bank cancelled the recurrence, with one of the eleven pain.011 reasons. Payments already scheduled after the cancellation day are dropped. The cancellation cannot be undone.", "terminal": true, "money_moved": "no", "visible_as": "API Pix recurrence status CANCELADA, with who asked and why under encerramento.cancelamento; pain.012 MandateStatus CCLD", "precedes": [], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex I section 5.1 item VII, and Annex IV sections 2.1.4 and 2.1.6" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 item 27" } ] }, { "uid": "pix:state.recurrence-expired", "name": "Pix Automatico recurrence: expired", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "medium", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The recurrence's end date has passed, so no further collections may be scheduled under it. A recurrence with no end date never reaches this state.", "terminal": true, "money_moved": "no", "visible_as": "API Pix recurrence status EXPIRADA", "precedes": [], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex I section 5.1 item VII, and Annex IV sections 2.1.4 and 2.1.6" } ] }, { "uid": "pix:state.recurrence-rejected", "name": "Pix Automatico recurrence: rejected", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "medium", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The payer refused a journey 1 request, or the payer's bank refused it, for instance because the account does not exist or the bank does not offer the product. It happens only in journey 1. The manual gives no way back from it; a business that still wants the authorisation creates a new recurrence [Inference].", "terminal": true, "money_moved": "no", "visible_as": "API Pix recurrence status REJEITADA, with the reason under encerramento.rejeicao", "precedes": [], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex I section 5.1 item VII, and Annex IV sections 2.1.4 and 2.1.6" } ] } ], "code_sets": [ { "uid": "pix:codeset.pain011-cancellation-reasons", "name": "Pix Automatico cancellation reasons (pain.011)", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The eleven reasons a pain.011 may give for cancelling a Pix Automatico recurrence, or a journey 1 request still pending. The same list is used whichever side asks; who asked travels in a separate field. Unchanged between catalogs 5.12.1 and 5.13.1.", "owner": "Banco Central do Brasil", "complete": true, "values": [ { "code": "ACCL", "name": "the payer's or the business's account was closed" }, { "code": "CPCL", "name": "the business has shut down" }, { "code": "DCSD", "name": "the payer has died" }, { "code": "ERSL", "name": "the business or its bank withdrew a pending request that contained an error" }, { "code": "FRUD", "name": "suspected fraud" }, { "code": "NRES", "name": "the business's bank withdrew a pending request the payer's bank never acknowledged in time" }, { "code": "OTHS", "name": "any other reason; only where no other code fits" }, { "code": "PCFD", "name": "the business's bank withdrew a pending request because the payer authorised the same recurrence another way, such as by QR code" }, { "code": "SJUD", "name": "a court order" }, { "code": "SLCR", "name": "the business asked for it" }, { "code": "SLDB", "name": "the payer asked for it" } ], "sources": [ { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN011.xlsx, Tabela de Dominios, CancellationReason Proprietary (MotivoCancelamentoCode), in 5.12.1 and 5.13.1" } ] }, { "uid": "pix:codeset.pain012-authorisation-rejection-reasons", "name": "Pix Automatico authorisation rejection reasons (pain.012)", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The reasons a pain.012 may give for refusing a Pix Automatico authorisation request, a confirmation or a cancellation, 27 in catalog 5.12.1. The domain table names who fills each: most by the payer's bank, some by the business's bank or by either, and AG12, DS27, RC09 and RC10 by the SPI. Catalog 5.13.1, in production from 2026-10-25, drops those four, leaving 23.", "owner": "Banco Central do Brasil", "complete": true, "values": [ { "code": "AC01", "name": "account not found or not the payer's" }, { "code": "AC04", "name": "payer's account closed" }, { "code": "AC06", "name": "payer's account blocked" }, { "code": "AG12", "name": "both accounts at one participant or one settling participant (SPI; gone in 5.13.1)" }, { "code": "AM05", "name": "request already confirmed or already pending" }, { "code": "AP01", "name": "update timestamp inconsistent with the recurrence status" }, { "code": "AP02", "name": "payer's CPF or CNPJ not found or not the one on the request or recurrence" }, { "code": "AP03", "name": "payer's branch not found" }, { "code": "AP04", "name": "recurrence identifier invalid or not the original" }, { "code": "AP05", "name": "recurrence status inconsistent" }, { "code": "AP06", "name": "business's CPF or CNPJ not the one on the request, payload or recurrence" }, { "code": "AP07", "name": "payer confirmed after the request expired or was withdrawn" }, { "code": "AP08", "name": "journey 3 first immediate payment not found" }, { "code": "AP09", "name": "pending request to be cancelled not found" }, { "code": "AP10", "name": "whoever asked to cancel is not a party to the recurrence" }, { "code": "AP11", "name": "payer's bank ISPB differs from the recurrence" }, { "code": "AP12", "name": "business's bank ISPB differs from the recurrence" }, { "code": "AP13", "name": "payer does not recognise the business" }, { "code": "AP14", "name": "payer does not want Pix Automatico for this business" }, { "code": "AP15", "name": "payer's bank does not offer Pix Automatico to this business customer" }, { "code": "CH16", "name": "content formally wrong or against the business rules; the catch-all" }, { "code": "DS27", "name": "participant not registered or not yet live on the SPI (SPI; gone in 5.13.1)" }, { "code": "MD01", "name": "recurrence to be cancelled does not exist" }, { "code": "MD20", "name": "recurrence to be cancelled has already expired" }, { "code": "RC09", "name": "payer's bank ISPB invalid (SPI; gone in 5.13.1)" }, { "code": "RC10", "name": "business's bank ISPB invalid (SPI; gone in 5.13.1)" }, { "code": "SA01", "name": "a salary account cannot pay Pix Automatico" } ], "sources": [ { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx, Tabela de Dominios, RejectReason Proprietary (MotivoRejeicaoCode), in 5.12.1 and 5.13.1" } ] }, { "uid": "pix:codeset.pain014-instruction-errors", "name": "Pix Automatico instruction errors (pain.014)", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "summary": "The errors a pain.014 may give when a Pix Automatico payment instruction (pain.013) is refused rather than scheduled, 25 in catalog 5.12.1. Twenty are filled by the payer's bank; AG12, AM23, DS27, RC09 and RR06 by the SPI, and catalog 5.13.1, in production from 2026-10-25, drops those five, leaving 20. None is about the payer's balance: funds are tested on the settlement day, not at scheduling.", "owner": "Banco Central do Brasil", "complete": true, "values": [ { "code": "AB10", "name": "error at the payer's bank" }, { "code": "AC05", "name": "payer's account closed" }, { "code": "AC06", "name": "payer's account blocked" }, { "code": "AG12", "name": "both accounts at one participant or one settling participant (SPI; gone in 5.13.1)" }, { "code": "AM02", "name": "amount above the payer's maximum" }, { "code": "AM09", "name": "amount differs from the fixed amount of the recurrence" }, { "code": "AM23", "name": "declared taxes add up to more than the payment (SPI; gone in 5.13.1)" }, { "code": "CRNC", "name": "business's CNPJ differs from the recurrence" }, { "code": "DENC", "name": "payer's CPF or CNPJ differs from the recurrence" }, { "code": "DS27", "name": "participant not registered or not yet live on the SPI (SPI; gone in 5.13.1)" }, { "code": "DTED", "name": "due date does not fit the period or the product rules" }, { "code": "DTNT", "name": "retry from the eighth day after the due date" }, { "code": "FCD1", "name": "instruction more than 10 days before settlement" }, { "code": "FCD2", "name": "instruction less than 2 days before settlement" }, { "code": "GRER", "name": "generic error; only where no other code fits" }, { "code": "IRNT", "name": "the recurrence does not allow retries after the due date" }, { "code": "MIDI", "name": "recurrence identifier missing or wrong" }, { "code": "MSUC", "name": "recurrence not confirmed by the payer" }, { "code": "NIEC", "name": "new instruction while the earlier one's order is still waiting to go to the SPI" }, { "code": "NIPA", "name": "new instruction for a charge already paid" }, { "code": "NITX", "name": "new instruction does not match an earlier recurring charge" }, { "code": "QUNT", "name": "more than 3 retries within 7 days of the due date" }, { "code": "RC09", "name": "payer's bank ISPB invalid (SPI; gone in 5.13.1)" }, { "code": "RR06", "name": "tax block used where payer and business are not both legal persons (SPI; gone in 5.13.1)" }, { "code": "UDEI", "name": "debtor's CPF or CNPJ wrong" } ], "sources": [ { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN014.xlsx, Tabela de Dominios, StatusReasonInformation Reason Proprietary (CodigoDeErroPain014Code), in 5.12.1 and 5.13.1" } ] } ], "reason_codes": [], "rules": [ { "uid": "pix:rule.automatico-a-cycle-on-a-day-the-month-lacks", "name": "Pix Automatico: when a cycle's day does not exist in the month", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Where a cycle would start on a date the month does not have, such as the 30th in February, the cycle starts on the last date the month does have (the 28th, or the 29th in a leap year). The due date of that cycle's charge is a separate matter that the rulebook leaves to the contract between payer and business: it may fall on the 28th, on 1 March, or on any other day of that cycle, provided the planned settlement date does not run past the cycle's end. Pix Agendado has a different, fixed rule for the same problem.", "facet": "settlement", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex IV section 4.3.1 and its footnote 105" } ] }, { "uid": "pix:rule.automatico-a-settlement-error-allows-a-same-day-resend", "name": "Pix Automatico: resending after an error in the settlement flow", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "If a payment fails in the settlement flow after the payer's bank has sent it, that bank must tell the payee's bank at once, and the payee's bank must resend the instruction so the payer's bank can try again the same day. The resend must carry the same amount, is still checked against the authorisation, and is accepted only until 21:00 on the original settlement date. Where the failure was the payee's own bank rejecting the payment, resending is at that bank's discretion. This same day resend is the only case in which an instruction for the same charge may be sent on the settlement date itself.", "facet": "settlement", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "arts. 5 par. 4 and 7 paragraphs 11 to 16" } ] }, { "uid": "pix:rule.automatico-five-recurrence-periods", "name": "Pix Automatico: weekly, monthly, quarterly, half-yearly or yearly, and one charge per cycle", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The recurrence period of an authorisation is chosen from a closed list of five: weekly, monthly, quarterly, half-yearly and yearly. The messages carry them as WEEK, MNTH, QURT, MIAN and YEAR. Each period defines a cycle whose start and end follow from the period and the start date of the recurrence, and only one charge may be scheduled per cycle; a second one in the same cycle is refused unless it is a resend after a settlement error or a retry after the due date.", "facet": "settlement", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "arts. 2 and 5 par. 3" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex IV section 4.3.1" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN011.xlsx and PAIN012.xlsx domain tables, Frequency Type" } ] }, { "uid": "pix:rule.automatico-settlement-date-is-the-due-date", "name": "Pix Automatico: the settlement date is the due date, and payments run on any day", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The settlement date in an instruction must be the charge's due date. If the due date is not a business day the business may choose to settle on the next business day instead; it is not obliged to, and payments may fall on any day, business day or not.", "facet": "settlement", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 5 paragraphs 5 and 6" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 item 04" } ] }, { "uid": "pix:rule.automatico-a-pending-request-lapses-after-30-days", "name": "Pix Automatico: a journey 1 request stays open for at most 30 days", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "A request sent in journey 1 waits at the payer's bank until one of three things happens: the payer confirms or refuses it, the payee's bank withdraws it, or 30 days pass from the moment the payee's bank sent the permission details. The business may set a shorter life. Once it is withdrawn or has run out, the payer's bank must delete it. On the last day of a still pending request the payer's bank must warn the payer. A payer who refuses must say either that they do not recognise the business or that they do not want Pix Automatico for that payment, and those two answers travel back as pain.012 codes AP13 and AP14.", "facet": "hours", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "at most 30 days from the payee's bank sending the permission details, shorter if the business says so; then the payer's bank deletes the request" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 3 caput and paragraphs 1 and 2" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 06 and 09" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx domain table, RejectReason" } ] }, { "uid": "pix:rule.automatico-instructions-go-2-to-10-days-ahead", "name": "Pix Automatico: when a collection instruction may be sent", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The payee's bank sends each cycle's instruction, carrying the charge's details, as a rule between 10 and 2 calendar days before the planned settlement date. The payer's bank refuses an instruction that arrives more than 10 days ahead (pain.014 FCD1) or less than 2 days ahead (FCD2). Late is allowed only as an exception, where the business had trouble producing the instruction: there must still be 2 calendar days between scheduling and settlement, the settlement date must fall before the next cycle starts (or before the recurrence ends, for the last cycle), and the business may charge no late fees for the delay it caused. The payee's bank must send an instruction only if it matches the authorisation, never before the authorisation is confirmed, and must identify the business by its CNPJ as the Federal Revenue registers it.", "facet": "hours", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "the instruction reaches the payer's bank no later than 2 calendar days and, as a rule, no earlier than 10 calendar days before the planned settlement date" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 5 paragraphs 1, 2, 7, 8 and 10" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN014.xlsx domain table, FCD1 and FCD2" } ] }, { "uid": "pix:rule.automatico-retries-on-later-days", "name": "Pix Automatico: retries on later days, at most 3 within 7 days", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "If the payment did not go on the settlement date for want of balance, limit or through an operational failure, the business may try again on later days, but only if the authorisation provides for it; the business picks the policy when it creates the recurrence, either no later retries or up to three. Each retry is a new instruction the payee's bank sends by 23:59 on the day before the retry date, for the same amount as the original, on no more than three different dates, within 7 calendar days of the original settlement date and never on or after the start of the next cycle (or the end of the recurrence, for the last one). On each retry date the payer's bank runs the same 00:00 to 08:00 and 18:00 to 21:00 attempts as on the original date. The payer's bank refuses a retry the recurrence does not allow (pain.014 IRNT), a fourth retry (QUNT) and one from the eighth day on (DTNT).", "facet": "hours", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "up to 3 retries on different dates within 7 calendar days of the original settlement date, only if the authorisation allows it, and never into the next cycle" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 7 paragraphs 5 to 10" }, { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-U inciso VI" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex IV section 2.1.5" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN014.xlsx domain table, IRNT, QUNT and DTNT" } ] }, { "uid": "pix:rule.automatico-settles-between-00-and-08-with-an-evening-retry", "name": "Pix Automatico: the settlement window on the day and the same day retry", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "On the settlement date the payer's bank sends the payment for settlement between 00:00 and 08:00, provided the account holds enough money and the payer's Pix Automatico limit has room. If it cannot, for want of balance or of limit, or because of an operational failure, it must tell the payer the payment did not go and try at least once more between 18:00 and 21:00 the same day. It may try more often, but the last try must be by 21:00. If the last try fails the payer is told again, and told to pay by other means. The funds test is made on the day and not when the payment is scheduled, so a collection is never refused at scheduling for want of funds.", "facet": "hours", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "first attempt between 00:00 and 08:00 on the settlement date; at least one more between 18:00 and 21:00 the same day; none after 21:00" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 7 caput and paragraphs 1 to 4" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 04, 48 and 49" } ] }, { "uid": "pix:rule.automatico-a-pre-approved-credit-line-may-fund-it", "name": "Pix Automatico: a pre-approved credit line may pay what the balance cannot", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "A collection need not come only from the balance. Whether a pre-approved credit line, such as an overdraft, may cover a payment the available balance falls short of is one of the parameters of every authorisation, and it is the payer's call. Where the bank offers it, the setting starts switched on, and the payer may switch it off at any time, per authorisation. Nothing in the texts read changes the payment's character when credit funds it: it is still the same Pix Automatico.", "facet": "limits", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-U inciso V alinea c" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 02, 04, 28 and 29" } ] }, { "uid": "pix:rule.automatico-the-payer-sets-the-maximum-the-business-sets-its-floor", "name": "Pix Automatico: who fixes the ceiling on a variable authorisation", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "On an authorisation whose amounts vary, the maximum per payment is the payer's to set, and it is optional: by default no maximum is set. The business may set a floor under that maximum, and the payer's bank must tell the payer what it is and accept no maximum below it. On an authorisation with a fixed amount there is no maximum to set; a charge for any other amount is refused. A charge above the payer's maximum is not scheduled, and the payer's bank must tell the payer so; it may add that raising the maximum and contacting the business could still save the payment in that cycle.", "facet": "limits", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-U inciso V alinea b" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 16, 28, 53 and 58" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 6 par. 1 incisos I and II" } ] }, { "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions", "name": "The user can drive the limit in both directions", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Limit control has to live in the same app the customer pays from. It must let the customer move the general Pix limit and each product limit (contactless, Pix Automatico, Pix Agendado, and withdrawal and change), and register particular accounts or payees for a daily ceiling of their own. Both directions are required, and a customer who wants a limit of zero is entitled to it.", "facet": "limits", "rests_on": "rule", "via": "mandate", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-512-2024-limites", "name": "Instrucao Normativa BCB n. 512/2024, consolidated text, VersaoNormativo 4", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Instrução%20Normativa%20BCB&numero=512", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 4, amendments listed through Instrucao Normativa BCB n. 746 de 18/6/2026", "section": "arts. 10 caput and par. 2 (incisos as amended by IN BCB n. 629 de 5/6/2025) and 3 par. 14" } ] }, { "uid": "pix:rule.automatico-cancelling-one-scheduled-payment", "name": "Pix Automatico: calling off one scheduled payment", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "A single scheduled collection can be stopped without touching the authorisation. The payer's bank must cancel it when its customer asks by 23:59 on the day before the settlement date, or when the payee's bank asks by 22:00 on that day before. After those cut-offs the payment runs. On the business's side a recurring charge can be cancelled only up to the day before its first settlement attempt; after that it can only expire. A business that needs to correct a charge cancels it and issues a new one with a new transaction identifier, inside the permitted scheduling window.", "facet": "recall", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "on the day before the settlement date: 22:00 for a request from the payee's bank, 23:59 for the payer's own request" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 8" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 32 and 34" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex IV section 4.3.2" } ] }, { "uid": "pix:rule.automatico-cancelling-the-authorisation-stops-what-is-scheduled", "name": "Pix Automatico: what a cancellation does to payments already scheduled", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Cancelling the authorisation takes every payment already scheduled under it with it, except the one due that same day. If the payer cancels, the bank drops every scheduled payment dated after the day of cancellation. If the business withdraws, the payer's bank drops every scheduled payment dated after the day it hears of it, and if that news arrives between 22:00 and 23:59 the payment due the next day survives too. The payer's app must say before the payer confirms that the cancellation is final and that only today's payment will still run, and when it is the business that cancelled, the bank must tell the payer which scheduled payments go and that no new ones will be scheduled.", "facet": "recall", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 9 caput and paragraphs 1, 2 and 3" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 27 and 52" } ] }, { "uid": "pix:rule.automatico-either-side-may-cancel-the-authorisation", "name": "Pix Automatico: cancelling the authorisation, and the recorded reasons", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Either end user or either bank may cancel a recurrence on its own, and each bank must act on its customer's request and pass the cancellation to the other bank with a pain.011, answered by a pain.012. When the business asks for its permission to be withdrawn, the payer's bank must cancel the authorisation. The pain.011 carries who asked and one of eleven proprietary reasons, among them the payer's own request, the business's request, a closed account, a business that has shut down, the payer's death (DCSD), suspected fraud and a court order. A cancelled authorisation cannot be reinstated; a new one is needed.", "facet": "recall", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-Q par. 1 incisos IV and V" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex V section 3.3 and Annex IV section 2.1.6" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN011.xlsx domain table, CancellationReason Proprietary" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 item 27" } ] }, { "uid": "pix:rule.automatico-a-faulty-payment-is-refunded-within-24-hours", "name": "Pix Automatico: the payer's bank refunds a faulty payment within 24 hours", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "When a Pix Automatico payment should not have gone through, the MED ground that covers the payer's bank's own error, a missing authorisation or a departure from its terms, the payer's bank must return the whole amount to the payer from its own funds within 24 hours of the payer asking.", "facet": "refund", "rests_on": "rule", "via": "applies_to", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "full refund to the payer, from the bank's own funds, within 24 hours of the payer's request" } ], "part_of": [ "pix:exc.med" ], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 15" } ] }, { "uid": "pix:rule.automatico-the-payers-bank-schedules-within-2-hours-or-refuses", "name": "Pix Automatico: the payer's bank schedules within two hours or refuses", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The payer's bank has two hours from receiving an instruction to schedule the payment it describes, and must refuse to schedule it instead where it does not fit the authorisation: an amount above the payer's maximum or different from a fixed amount, a date that does not fit the authorisation's date and period, a different business, a breach of the sending windows, no authorisation in force, or any other discrepancy that stands in the way. The refusal travels back on the pain.014. The business may then have its bank send a corrected instruction, up to 2 days before the planned settlement date.", "facet": "liability", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [ { "kind": "time_window", "text": "schedule, or refuse, within two hours of receiving the payment instruction" } ], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 6 caput and paragraphs 1 and 2" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN014.xlsx domain table, StatusReasonInformation" } ] }, { "uid": "pix:rule.liability-pix-automatico-the-payers-bank-pays-first", "name": "Pix Automatico: the payer's bank pays first", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "On this one product the paying bank absorbs the loss up front. It reimburses its own customer in full, from its own money, and then goes to the DICT to try to collect from the other side, where it gets paid only if the funds are still sitting there. The rulebook makes the point explicitly: choosing to offer Pix Automatico is accepting this, whatever the state of the receiving account.", "facet": "liability", "rests_on": "rule", "via": "applies_to", "also_applies_to": [], "parameters": [], "part_of": [ "pix:exc.med" ], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "arts. 41-A par. 2 incisos I and II and 11-V" } ] }, { "uid": "pix:rule.automatico-what-an-authorisation-must-state", "name": "Pix Automatico: the parameters every authorisation carries", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "At the least, an authorisation names the business allowed to send instructions, states the recurrence period and the planned date of the first payment, says how long it lasts if it has an end date at all (an authorisation without one runs until cancelled), and records two choices of the payer's: whether to cap each payment at a maximum, and whether a pre-approved credit line may cover a payment the balance cannot. Before confirming, the payer's app must also show the payer and debtor, the object of the payment and its contract or customer reference, a fixed amount where there is one, and the business's retry policy for later days, with a warning that paying after the due date may bring interest and a fine on the next charge.", "facet": "consumer-law", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-U caput inciso V alineas a to f" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 16 and 25" } ] }, { "uid": "pix:rule.automatico-what-the-payer-may-edit-and-when-it-bites", "name": "Pix Automatico: what the payer may change on a live authorisation", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "medium", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The payer may cancel an authorisation at any time and may change it on their own where changes are allowed. What the payer's app must let them change is three settings per authorisation: the maximum per payment (on variable authorisations only), whether a pre-approved credit line may be used, and whether they are notified when a payment is scheduled. A new maximum applies to payments not yet scheduled and not to those already scheduled; if it falls below a payment already scheduled, the bank may offer to cancel that payment. The recurrence terms themselves, such as period, first date, amount and business, are not among the settings the payer can edit, and on the business's side a request already delivered cannot be corrected: a business that got something wrong cancels the recurrence and creates a new one.", "facet": "consumer-law", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-Q par. 1 inciso IV and par. 3" }, { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 25, 28, 29, 30 and 31" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "Annex IV section 4.2.1" } ] }, { "uid": "pix:rule.automatico-the-pacs008-is-marked-auto", "name": "Pix Automatico: how the settlement message identifies it", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "medium", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "The pacs.008 for a Pix Automatico payment must carry AUTO in its initiation form field, including when a payment initiator produced the instruction. Where the instruction came from a payment initiator, the receiver's reconciliation identifier on the pacs.008 is left empty (before IN BCB n. 743/2026 it was filled with zeros where no pain.013 was used).", "facet": "messages", "rests_on": "rule", "via": "applies_to", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 7 paragraphs 17 and 18" } ] }, { "uid": "pix:rule.automatico-three-refusal-families-and-who-raises-them", "name": "Pix Automatico: the three places a collection can be refused, and who refuses", "status": "draft", "stored_status": "draft", "source_class": null, "confidence": "high", "tier": { "k": "draft", "label": "Draft, unchecked", "say": "An agent wrote this from published material and nobody has checked it. Treat it as a lead to confirm, not an answer, before acting on any retry, deadline or rate." }, "statement": "Refusals fall in three families, each on its own message with its own code list, and each code in the domain tables names the side that fills it. The authorisation is refused on the pain.012 (27 reasons in catalog 5.12.1): mostly by the payer's bank (account not found, closed or blocked, salary account, payer does not recognise the business or declines), some by the payee's bank (request expired, first payment not found in journey 3), and four by the SPI. The instruction is refused on the pain.014 (25 errors in 5.12.1): all but five by the payer's bank (amount over the maximum or not the fixed amount, wrong business or payer, bad date, too early or too late, no confirmed recurrence, retry rules broken), the other five by the SPI. The payment itself is refused on the pacs.002 like any Pix, where the receiving bank has UPAY for no valid recurrence and CN01 for one already cancelled. Each list has a catch-all to be used only when no specific code fits: GRER on pain.014, CH16 on pain.012, and OTHS for cancellations. A shortfall of balance or limit on the day is not a refusal code at all; it is a failed attempt the payer is notified of. From catalog 5.13.1, in production on 2026-10-25, the SPI-raised codes leave both lists (pain.012 goes to 23, pain.014 to 20).", "facet": "messages", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx and PAIN014.xlsx domain tables in 5.12.1 and 5.13.1" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "arts. 6 par. 1 and 7 par. 1" } ] }, { "uid": "pix:rule.cobranca-static-dynamic-and-composite-qr-codes", "name": "Pix QR codes: static, dynamic and composite", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "A static QR code carries everything inside the image: a DICT key, which is compulsory, and optionally a transaction identifier, free text, an amount and a withdrawal facilitator. A dynamic QR code carries the key and a URL at the payee's bank; the charge itself, with amount, identifier and the rest, is fetched from that URL when the code is read, so it can change over time and must be validated and queried after reading. A composite QR code adds a second URL pointing at Pix Automatico recurrence terms, with or without a static or dynamic charge alongside it. All three follow the BR Code layout, and a payer's app that cannot fetch the recurrence part must fall back to paying the rest as it would a plain code.", "facet": "messages", "rests_on": "rule", "via": "applies_to", "also_applies_to": [ { "uid": "pix:txn.pix-cobranca", "name": "Pix Cobranca" } ], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "sections 2.4, 2.6, 2.7, 2.7.2 and 2.8, and footnote 87" } ] }, { "uid": "pix:rule.messages-pix-automatico-authorization-messages", "name": "Pix Automatico: authorization messages", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Setting up a recurring authorization uses pain.009 to ask, pain.012 to answer and confirm, and pain.011 to cancel, with a pain.012 acknowledging the cancellation. All of them pass through the SPI, which relays between the two banks rather than acting on them.", "facet": "messages", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-catalogo-servicos-sfn-vol-vi-5-12", "name": "Catalogo de Servicos do SFN, Volume VI, Pagamentos Instantaneos, versao 5.12, dated 2026-03-27", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/Catalogo_de_Servicos_do_SFN_Volume_VI_Versao_512.pdf", "source_class": "authoritative_primary", "edition": "versao 5.12, dated 2026-03-27, in SPI production from 2026-06-28", "section": "p. 19" } ] }, { "uid": "pix:rule.messages-pix-automatico-instruction-messages", "name": "Pix Automatico: instruction messages", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Once an authorization exists, the payee's bank sends payment instructions as pain.013 and the payer's bank acknowledges with pain.014. On the due date the payer's bank starts an ordinary scheduled payment. Cancelling an instruction or a charge before it settles is a camt.055 answered by a camt.029, and either side may send it.", "facet": "messages", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-catalogo-servicos-sfn-vol-vi-5-12", "name": "Catalogo de Servicos do SFN, Volume VI, Pagamentos Instantaneos, versao 5.12, dated 2026-03-27", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/Catalogo_de_Servicos_do_SFN_Volume_VI_Versao_512.pdf", "source_class": "authoritative_primary", "edition": "versao 5.12, dated 2026-03-27, in SPI production from 2026-06-28", "section": "p. 20" } ] }, { "uid": "pix:rule.automatico-a-standing-authorisation-not-a-debit-pull", "name": "Pix Automatico: one authorisation, then collections the payer's bank pushes", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 1 named source, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Pix Automatico is a Pix the payer's own bank starts from the payer's account each time the payee's bank sends it a payment instruction. What makes that possible is a single authorisation the payer gives their own bank before the first instruction arrives; after that no instruction needs the payer to authenticate again. The authorisation is also the payer's permission for the payee to keep sending instructions, it must serve one stated purpose, and it may cover several products or services from the same payee as long as they are billed together. The payee's side may be the payee's own account provider or a participant offering payment initiation, in which case the authorisation doubles as the Open Finance consent. Every collection is still an instruction the payee's bank sends and the payer's bank acts on; the authorisation never produces a payment by itself.", "facet": "participants", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-Q caput, par. 1 incisos I, II, III and VI, and par. 2" } ] }, { "uid": "pix:rule.automatico-four-journeys-to-an-authorisation", "name": "Pix Automatico: the four ways an authorisation is given", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "There are four journeys, numbered 1 to 4 in the manuals and carried as AUT1 to AUT4 on the confirming pain.012. In journey 1 the payer agrees terms with the business directly, outside Pix, and the business's bank sends the request (a pain.009) to the payer's bank, where the payer confirms it under Pending authorisations. In journey 2 the payer scans a composite QR code that carries only the recurrence terms. In journey 3 the QR code carries the terms and an immediate first charge, and paying that charge and authorising happen together. In journey 4 the payer pays an ordinary charge by QR code and is then offered Pix Automatico for the payments after it. A fifth route runs under the Open Finance rules. Every account provider serving payers must support journeys 1 to 4 for all its payers, while a payee's bank chooses which of them it offers its business customers. The payer's bank must make the journey 4 offer even when the payer chose to schedule the charge rather than pay it at once.", "facet": "participants", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "arts. 11-Q par. 1 incisos VII and VIII, 11-S par. 3 and 11-T par. 6" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 4" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "sections 2.4.3, 2.8 and 6.3, and Annex IV section 2.1.7" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx domain table, MandateProcessingType" } ] }, { "uid": "pix:rule.automatico-who-may-offer-and-who-may-collect", "name": "Pix Automatico: every account provider offers it to payers, and only established businesses may collect", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 3 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Every participant that holds transactional accounts must offer Pix Automatico to its paying customers, though one serving business customers may ask the BCB to be excused for those customers, and the pain.012 code AP15 marks a request refused on that ground. Offering it to businesses that want to collect is optional, and only a legal person may collect: its CNPJ must have been active for at least six months and it must show no sign of fraud under the bank's own criteria, which must use the DICT's security data where the bank has access to it. The bank must vet the business before it signs up and for as long as the contract runs, weighing at least its registration data, its size and activity, the fit between its business and what it collects for, the DICT data, and its history with the bank. The business talks to its bank through the API Pix or a standardised file, and a salary account cannot be the paying account (pain.012 SA01).", "facet": "participants", "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "arts. 11-S caput and paragraphs 1 and 3, and 11-T caput and paragraphs 1, 2, 3 and 7" }, { "uid": "pix:src.bcb-in-513-2024-pix-automatico-agendado-cobranca", "name": "Instrucao Normativa BCB n. 513/2024, operational procedures for Pix Automatico, Pix Agendado and Pix Cobranca, consolidated version 5.0", "url": "https://www.bcb.gov.br/api/conteudo/app/normativos/exibenormativo?p1=Instru%C3%A7%C3%A3o%20Normativa%20BCB&p2=513", "source_class": "authoritative_primary", "edition": "version 5.0, 17 articles including art. 15-A, amended by IN BCB n. 614/2025, n. 634/2025 and n. 743/2026; not revoked", "section": "art. 15-A" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx domain table, RejectReason AP15 and SA01" } ] }, { "uid": "pix:rule.automatico-journey-3-needs-the-first-payment-to-settle", "name": "Pix Automatico: in journey 3 the first payment is a condition of the authorisation", "status": "corroborated", "stored_status": "corroborated", "source_class": "authoritative_primary", "confidence": "high", "tier": { "k": "cor", "label": "Corroborated (authoritative primary)", "say": "A validator compared this with 2 named sources, the strongest being a publication of Banco Central do Brasil itself. It is not verified: no person has checked it against the current rulebook edition." }, "statement": "Only journey 3 ties the authorisation to a payment. There the payer confirms an immediate first payment and the authorisation in one step, the app must show that the first payment settling is a condition of the authorisation, and if that payment does not go through for any reason the authorisation is not concluded and the payer must be told at once. The payee's bank refuses such an authorisation with pain.012 code AP08 when it cannot find the first payment. If the payment settles and the authorisation still fails, the payer gets the receipt and is told to contact the business to arrange later payments. In journeys 1, 2 and 4 the authorisation is given before any collection and no first payment activates it.", "facet": null, "rests_on": "rule", "via": "both", "also_applies_to": [], "parameters": [], "part_of": [], "sources": [ { "uid": "pix:src.bcb-requisitos-minimos-experiencia-usuario-7-3", "name": "Requisitos Minimos para a Experiencia do Usuario, version 7.3", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/IV_RequisitosMinimosparaExperienciadoUsuario.pdf", "source_class": "authoritative_primary", "edition": "version 7.3 of December 2025, 164 pages; version 7.4 announced on the cover as in force from 2027-03-01", "section": "chapter 15 items 20, 22 and 23" }, { "uid": "pix:src.bcb-resolucao-1-2020-regulamento-pix", "name": "Resolucao BCB n. 1/2020 and annexed Regulamento Pix, consolidated text, VersaoNormativo 41", "url": "https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolução%20BCB&numero=1", "source_class": "authoritative_primary", "edition": "consolidated text, VersaoNormativo 41, amendments listed through Resolucao BCB n. 559 de 23/4/2026", "section": "art. 11-Q par. 1 incisos I and VII alinea c" }, { "uid": "pix:src.bcb-definicoes-detalhadas-mensagens-spi", "name": "Definicoes detalhadas das mensagens do Catalogo do SPI, archives spi.5.12.1.zip and spi.5.13.1.zip", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/cedsfn/Catalogos/spi.5.12.1.zip", "source_class": "authoritative_primary", "edition": "spi.5.12.1.zip dated 2026-03-27 (SPI production 2026-06-28) and spi.5.13.1.zip dated 2026-07-24 (SPI production 2026-10-25)", "section": "PAIN012.xlsx domain table, RejectReason AP08" }, { "uid": "pix:src.bcb-manual-padroes-iniciacao-pix-2-10-0", "name": "Manual de Padroes para Iniciacao do Pix, version 2.10.0", "url": "https://www.bcb.gov.br/content/estabilidadefinanceira/pix/Regulamento_Pix/II_ManualdePadroesparaIniciacaodoPix.pdf", "source_class": "authoritative_primary", "edition": "version 2.10.0, revision history entry dated 2026-08-19, 123 pages", "section": "section 6.3.3" } ] } ], "inherited": [ { "facet": "finality", "label": "Finality", "question": "When is a payment final, and can it be undone?", "fact_uid": "pix:finality", "fact_name": "When does a Pix become final, and can it be reversed?" }, { "facet": "return", "label": "Return", "question": "How does a payment come back, and on what deadline?", "fact_uid": "pix:return", "fact_name": "Can a settled Pix be returned, by whom and by when?" }, { "facet": "decision-points", "label": "Human decision points", "question": "Where does a rule leave the decision to a bank or a person?", "fact_uid": "pix:decision-points", "fact_name": "Where does Pix hand the outcome to a human or a bank's judgment?" } ], "differs": [ { "facet": "limits", "label": "Limits", "fact_uid": "pix:limits", "fact_name": "What limits apply to a Pix, and who sets them?", "rules": [ { "uid": "pix:rule.limits-the-user-can-drive-the-limit-in-both-directions", "name": "The user can drive the limit in both directions" } ] }, { "facet": "refund", "label": "Refund", "fact_uid": "pix:refund", "fact_name": "Does anyone have a right to be refunded, and how does the money get back?", "rules": [ { "uid": "pix:rule.liability-pix-automatico-the-payers-bank-pays-first", "name": "Pix Automatico: the payer's bank pays first" } ] }, { "facet": "liability", "label": "Liability", "fact_uid": "pix:liability", "fact_name": "Who bears the loss when a Pix goes wrong?", "rules": [ { "uid": "pix:rule.liability-pix-automatico-the-payers-bank-pays-first", "name": "Pix Automatico: the payer's bank pays first" } ] }, { "facet": "messages", "label": "Messages", "fact_uid": "pix:messages", "fact_name": "What messages carry a Pix, and what is not a message at all?", "rules": [ { "uid": "pix:rule.messages-pix-automatico-authorization-messages", "name": "Pix Automatico: authorization messages" }, { "uid": "pix:rule.messages-pix-automatico-instruction-messages", "name": "Pix Automatico: instruction messages" } ] } ], "exceptions": [ { "uid": "pix:exc.med", "name": "Mecanismo Especial de Devolucao and Recuperacao de Valores", "shared": true, "via": [ { "from": "pix:mandate.pix-automatico-authorisation", "type": "disputed_via" }, { "from": "pix:rule.automatico-a-faulty-payment-is-refunded-within-24-hours", "type": "part_of" }, { "from": "pix:rule.liability-pix-automatico-the-payers-bank-pays-first", "type": "part_of" } ] } ] } }