To the Pix rules undergo significant changes starting in November, and it is essential that all users are aware of these updates.
The instant payment system, created by the Central Bank of Brazil, revolutionized the way financial transactions are carried out in the country.
However, with the increase in fraud, new measures need to be adopted to protect users and the system. Thus, new Pix rules.
New Registration Requirements
So one of the major changes in Pix rules involves the need to register devices.
Therefore, from November onwards, transfers exceeding R$1,500 may only be made using cell phones or computers that have been previously registered with the user's financial institution.
This measure seeks to ensure that only trusted devices can carry out higher-value transactions, reducing the risk of fraud.
For those who use devices that have never been registered to make payments via Pix, the new requirement will be mandatory.
Devices that are already registered and regularly used for these transactions will not undergo any changes.
Additionally, for unregistered devices, a daily limit of R$ 1,000 will be established, reinforcing the need for precautions to prevent fraud.
Strengthening security technologies
In addition to the new Pix rules, the Central Bank will require financial institutions to improve their security technologies.
Institutions must implement fraud management solutions capable of identifying transactions that do not match the customer profile.
These solutions are based on security information stored in the Central Bank, which will allow a more effective analysis of the transactions carried out.
Institutions also have the responsibility to inform their customers about the precautions necessary to prevent fraud.
Therefore, this communication must be made through widely accessible electronic channels, ensuring that all users are aware of the precautions to be taken.
Monitoring and preventive actions
Another important change in the Pix rules It is the obligation of financial institutions to carry out semi-annual checks.
They will have to check whether their customers have fraud records in the Central Bank's systems. This measure will allow institutions to take specific actions in the face of suspicious transactions, protecting both the customer and the financial institution itself.
In situations involving transactions that present atypical characteristics or that do not fit the customer's behavior pattern, institutions may adopt additional security measures.
Therefore, the time for suspicious customers to initiate transactions should be increased or even Pix transactions that are received should be blocked, thus preventing a potential scam from happening.
Consequences in case of fraud
The news Pix rules They also provide that, if there is a strong suspicion or proof of fraud, financial institutions may terminate the relationship with the customer.
This decision reflects the seriousness with which the Central Bank and financial institutions are treating the issue of transaction security.
The implementation of these rules from November onwards not only aims to protect users of the system, but also to reinforce confidence in the use of Pix as a safe payment alternative.