The Central Bank of Brazil approved updates to the Pix Regulation that expand payment functionality, strengthen fraud controls and refine participation requirements. The package advances previously outlined work on Pix Automatic and hybrid billing, allowing authorized recurring payments from salary accounts from July 1, 2027, while retaining existing restrictions on other Pix transactions involving those accounts. Hybrid payment documents combining a bank slip barcode and Pix Billing QR code will be subject to safeguards against duplicate settlement. Payment through either method must trigger cancellation of the other, and the rules allocate responsibility for operational failures. The Central Bank may also exempt institutions with more than 500,000 active transactional accounts from mandatory Pix participation where their customers or business models do not justify access, and it has tightened procedures for admission, continued participation and orderly exit. Security changes clarify responsibility for well-founded suspected fraud flags in the Directory of Transactional Account Identifiers. Participants must notify affected users of a flag and its registration date, explain that it may be reviewed, and cancel it when an assessment finds insufficient grounds for suspicion.
Central Bank of Brazil updates Pix rules for salary accounts, hybrid billing and fraud controls
The Central Bank of Brazil updated Pix rules to extend Pix Automatic to salary accounts from July 1, 2027, regulate hybrid bank slip and Pix billing, and refine participation requirements. The changes also strengthen fraud-flagging controls by requiring user notification, review rights and cancellation of unsupported flags.