The Central Bank has implemented changes to Pix guidelines, aiming to expand the use of the feature in accounts designated for salaries and strengthen fraud protection systems.
The modifications also regulate hybrid billing, expedite the removal of sanctioned entities, and impose new responsibilities on banks and fintechs in case of suspected fraud.
New rules for Automatic Pix in salary accounts
Starting July 1, 2027, workers will be allowed to authorize recurring expense payments directly from their salary accounts via Automatic Pix. This modality will become the only accepted method for outgoing transfers made from these accounts.
The mechanism works such that the client authorizes the charge once, and subsequent payments occur automatically. However, receiving other transfers via Pix will remain prohibited, except for refunds and payments made by the National Treasury Secretariat.
According to the Central Bank, this change aims to align Pix standards with the latest patterns regarding interbank automatic debits, thereby expanding the functionalities of salary accounts.
Specific rules for hybrid billing
Hybrid billing has also received detailed rules and will come into effect on February 1, 2027. This model combines the conventional barcode of the boleto with the Pix QR Code in a single document.
This modality can only be used for Pix collections that have a due date and will be limited to common and dynamic boletos that are not linked to financial assets.
Changes in handling fraud suspicions
The set of rules modifies how indications of reasonable suspicion of fraud are registered in the Directory of Transactional Account Identifiers. Starting February 1, 2027, financial institutions will be required to notify the client whenever there is a marking, informing them of the registration date and the possibility of contesting it.
It will also be required that channels for clarification and review requests be provided, with a maximum response time of seven days for the user. Other rules related to these markings are already in force, including the obligation to cancel the record when there are no longer elements supporting the suspicion.
Provisions regarding the entry, maintenance, and exit of institutions from Pix also take immediate effect. Compulsory participation may be waived for institutions with more than half a million active transactional accounts, provided that customer characteristics or the business model do not justify access to the system's infrastructure.
The rules also provide for the annulment of approvals obtained with false data or important omissions, in addition to determining the immediate suspension of institutions subject to extrajudicial liquidation. Organized exit mechanisms must ensure the protection of clients of these institutions.
Additionally, there is a reduction in the period of stay for participants excluded for non-compliance with the rules. Previously, they could remain in Pix for up to thirty days after the final decision; now, exclusion will take immediate effect after the penalty notification.