Changes for PIX

Instrução Normativa BCB nº 769 (19 August 2026, published in the DOU on 20 August) releases version 2.10.0 of the Manual de Padrões para Iniciação do Pix, which includes the API Pix 2.10.0 specification, and revokes IN BCB nº 658 of 5 September 2025. The new versions incorporate technical improvements for managing Pix Automático recurrences (for example gym, school and streaming subscriptions) plus textual clarifications drawn from the product's first year. BCB publicised the change on 8 September 2026. (2026-08-19). Recorded by ClearingPost from automated source verification on 2026-09-13. New value: Instrução Normativa BCB nº 769 (19 August 2026, published in the DOU on 20 August) releases version 2.10.0 of the Manual de Padrões para Iniciação do Pix, which includes the API Pix 2.10.0 specification, and revokes IN BCB nº 658 of 5 September 2025. The new versions incorporate technical improvements for managing Pix Automático recurrences (for example gym, school and streaming subscriptions) plus textual clarifications drawn from the product's first year. BCB publicised the change on 8 September 2026. (2026-08-19)

PIX registered users changed from 162 million people and 16+ million companies with registered Pix keys; 148 million individuals and 12.8 million companies with at least one transaction (as of 2025-12-31) to 186,279,602 users with keys registered in DICT (167,721,822 individuals; 18,557,780 legal entities) (as of 2026-08-31). Recorded by ClearingPost from automated source verification on 2026-09-08.

Banco do Brasil launches PIX payments for Brazilians in Argentina: any PIX user, regardless of bank, can pay by scanning a merchant QR code, with Banco do Brasil converting reais to pesos through its Argentine subsidiary Banco Patagonia. Banco do Brasil said it is studying expansion to other markets in the Americas, Europe and Asia. ClearingPost coverage: pix-cross-border-argentina-launch-march-2026. (2026-03-06). Recorded by ClearingPost from automated source verification on 2026-09-07. New value: Banco do Brasil launches PIX payments for Brazilians in Argentina: any PIX user, regardless of bank, can pay by scanning a merchant QR code, with Banco do Brasil converting reais to pesos through its Argentine subsidiary Banco Patagonia. Banco do Brasil said it is studying expansion to other markets in the Americas, Europe and Asia. ClearingPost coverage: pix-cross-border-argentina-launch-march-2026. (2026-03-06)

New version of the Requisitos Mínimos para a Experiência do Usuário (Annex IV of the Pix Regulation, released by Instrução Normativa BCB nº 774 on 3 September 2026 as version 7.4, replacing 7.3) becomes mandatory. Pix payment receipts may no longer carry advertising, publicity, commercial offers, hyperlinks or any content unrelated to the transaction. The same version reworks the MED contestation journey: fraud scenarios are presented in everyday language, and users gain fields to describe what happened and to attach documents and receipts. (2027-03-01). Recorded by ClearingPost from automated source verification on 2026-09-05. New value: New version of the Requisitos Mínimos para a Experiência do Usuário (Annex IV of the Pix Regulation, released by Instrução Normativa BCB nº 774 on 3 September 2026 as version 7.4, replacing 7.3) becomes mandatory. Pix payment receipts may no longer carry advertising, publicity, commercial offers, hyperlinks or any content unrelated to the transaction. The same version reworks the MED contestation journey: fraud scenarios are presented in everyday language, and users gain fields to describe what happened and to attach documents and receipts. (2027-03-01)

Instrução Normativa BCB nº 766 raises from 30 to 80 days the window in which the recipient of a Pix can contest a return carried out through the Mecanismo Especial de Devolução (MED), counted from the date of the return. The change targets merchants, service providers and small businesses that receive a legitimate Pix and then lose the funds to a fraudulent MED claim opened by the payer. The 80-day window for a defrauded payer to open a MED claim, counted from the original transaction, is unchanged. (2026-09-01). Recorded by ClearingPost from automated source verification on 2026-09-05. New value: Instrução Normativa BCB nº 766 raises from 30 to 80 days the window in which the recipient of a Pix can contest a return carried out through the Mecanismo Especial de Devolução (MED), counted from the date of the return. The change targets merchants, service providers and small businesses that receive a legitimate Pix and then lose the funds to a fraudulent MED claim opened by the payer. The 80-day window for a defrauded payer to open a MED claim, counted from the original transaction, is unchanged. (2026-09-01)

Sunday-morning Pix instability: the BCB confirmed an instability in the Pix systems that caused transaction failures in the first hours of 23 August; DownDetector logged 13,861 user reports in about three hours from 06:50 across Banco do Brasil, Caixa, Itaú, Bradesco, Santander, Nubank, Inter, C6 Bank, Mercado Pago, PicPay, Neon and Sicredi. BCB said systems were promptly restored; no cause stated. (2026-08-23). Recorded by ClearingPost from automated source verification on 2026-09-03. New value: Sunday-morning Pix instability: the BCB confirmed an instability in the Pix systems that caused transaction failures in the first hours of 23 August; DownDetector logged 13,861 user reports in about three hours from 06:50 across Banco do Brasil, Caixa, Itaú, Bradesco, Santander, Nubank, Inter, C6 Bank, Mercado Pago, PicPay, Neon and Sicredi. BCB said systems were promptly restored; no cause stated. (2026-08-23)

BCB publishes the Relatório de Gestão do Pix 2023-2025, its second Pix management report, covering product and security evolution through 2025 and stating that BCB is studying bilateral interconnections and participation in multilateral hubs to enable cross-border Pix remittances and purchases credited in local currency within seconds. (2026-08-10). Recorded by ClearingPost from automated source verification on 2026-09-03. New value: BCB publishes the Relatório de Gestão do Pix 2023-2025, its second Pix management report, covering product and security evolution through 2025 and stating that BCB is studying bilateral interconnections and participation in multilateral hubs to enable cross-border Pix remittances and purchases credited in local currency within seconds. (2026-08-10)

IN BCB 766 Phase 1 takes effect: DICT Manual v8.5 extends the receiver's window to contest a MED return transaction from 30 to 80 days after the return (sections 20.1.1, 20.1.9 and 20.2), matching the 80-day payer-side window for contesting original pacs.008 payments. (2026-09-01). Recorded by ClearingPost from automated source verification on 2026-09-02. New value: IN BCB 766 Phase 1 takes effect: DICT Manual v8.5 extends the receiver's window to contest a MED return transaction from 30 to 80 days after the return (sections 20.1.1, 20.1.9 and 20.2), matching the 80-day payer-side window for contesting original pacs.008 payments. (2026-09-01)

PIX launches nationwide as Brazil's central-bank-operated instant payment system, settling each transaction around the clock in central bank money through participants' reserve accounts. (2020-11-16). Recorded by ClearingPost from automated source verification on 2026-09-02.

MED 2.0 (Mecanismo Especial de Devolução version 2.0) becomes operational, enabling layered fund tracing across multiple accounts in fraud cases. MED 2.0 allows blocking and recovery of funds even after they pass through intermediary shell accounts (contas-laranja). (2026-05-11). Recorded by ClearingPost from automated source verification on 2026-08-31. New value: MED 2.0 (Mecanismo Especial de Devolução version 2.0) becomes operational, enabling layered fund tracing across multiple accounts in fraud cases. MED 2.0 allows blocking and recovery of funds even after they pass through intermediary shell accounts (contas-laranja). (2026-05-11)

Person-to-business (P2B) PIX transactions surpassed person-to-person (P2P) for the first time, by approximately 600,000 transactions. P2B reached 44% of total volume by October 2025, up from 27% at November 2021 launch baseline. (2025-09-01). Recorded by ClearingPost from automated source verification on 2026-08-31. New value: Person-to-business (P2B) PIX transactions surpassed person-to-person (P2P) for the first time, by approximately 600,000 transactions. P2B reached 44% of total volume by October 2025, up from 27% at November 2021 launch baseline. (2025-09-01)

USTR Section 301 tariffs (25% ad valorem) on most Brazilian imports take effect, with PIX cited among unreasonable digital trade practices disadvantaging US electronic payment companies. Investigation concluded July 15 after July 6-7 public hearing and 360+ written submissions. Six categories targeted: digital trade and electronic payments, preferential tariffs, anti-corruption enforcement, IP protection, ethanol market access, and deforestation. (2026-07-22). Recorded by ClearingPost from automated source verification on 2026-08-30. New value: USTR Section 301 tariffs (25% ad valorem) on most Brazilian imports take effect, with PIX cited among unreasonable digital trade practices disadvantaging US electronic payment companies. Investigation concluded July 15 after July 6-7 public hearing and 360+ written submissions. Six categories targeted: digital trade and electronic payments, preferential tariffs, anti-corruption enforcement, IP protection, ethanol market access, and deforestation. (2026-07-22)

IN BCB 746 takes effect: eliminates R$500 per-transaction ceiling for PIX por Aproximação (NFC) and Open Finance JSR payments (revoking Articles 16-A and 16-C of IN BCB 512/2024), aligning these with each user's general PIX limits. PIX Automático explicitly included among transaction types where customers can request daily limit adjustments. Standard nighttime R$1,000 P2P limit and institutional risk-based limits unchanged. (2026-10-01). Recorded by ClearingPost from automated source verification on 2026-08-29. New value: IN BCB 746 takes effect: eliminates R$500 per-transaction ceiling for PIX por Aproximação (NFC) and Open Finance JSR payments (revoking Articles 16-A and 16-C of IN BCB 512/2024), aligning these with each user's general PIX limits. PIX Automático explicitly included among transaction types where customers can request daily limit adjustments. Standard nighttime R$1,000 P2P limit and institutional risk-based limits unchanged. (2026-10-01)

PIX Automático extended to salary accounts (contas-salário), enabling workers to authorize recurring PIX payments (subscriptions, school fees, health plans) directly from salary accounts without first transferring to a current account. Restriction: only applies when payer and payee hold accounts at different institutions. (2026-07-01). Recorded by ClearingPost from automated source verification on 2026-08-29. New value: PIX Automático extended to salary accounts (contas-salário), enabling workers to authorize recurring PIX payments (subscriptions, school fees, health plans) directly from salary accounts without first transferring to a current account. Restriction: only applies when payer and payee hold accounts at different institutions. (2026-07-01)

BCB Resolução 559 published: amends PIX Regulation to introduce mandatory independent audit (CVM-registered, NBC TA 200 reasonable assurance) during BCB compliance reviews, 90-day inactivity exclusion rule for indirect SPI participants without an active settlement participant, and BCB authority to formally summon participant representatives. (2026-04-23). Recorded by ClearingPost from automated source verification on 2026-08-29. New value: BCB Resolução 559 published: amends PIX Regulation to introduce mandatory independent audit (CVM-registered, NBC TA 200 reasonable assurance) during BCB compliance reviews, 90-day inactivity exclusion rule for indirect SPI participants without an active settlement participant, and BCB authority to formally summon participant representatives. (2026-04-23)

BCB publishes 2026 annual PIX report confirming 65 information-sharing agreements signed with foreign central banks (Germany, Canada, South Africa, Turkey named). Report signals strategic shift from 2023 tentative 'may in the future' international integration language to active pursuit of bilateral connections with foreign instant payment systems and multilateral payment hub participation. (2026-08-11). Recorded by ClearingPost from automated source verification on 2026-08-28. New value: BCB publishes 2026 annual PIX report confirming 65 information-sharing agreements signed with foreign central banks (Germany, Canada, South Africa, Turkey named). Report signals strategic shift from 2023 tentative 'may in the future' international integration language to active pursuit of bilateral connections with foreign instant payment systems and multilateral payment hub participation. (2026-08-11)