The central bank announced on Thursday (3) that the rescue Pix should be launched in September this year. In addition, two other features of the immediate transfer system also gained the premiere forecast: PIX warranty, scheduled for 2026 and the complacency of a special return mechanism (MED), which should be available from October 1.
The Pix of the Town Hall will allow the payer to arrange a transaction, as is the installment option with interest on the credit card. The recipient will receive the full amount of the transaction immediately, while the payer will pay the amount in installments, with extras. BC states that functionality stimulates the use of PIX in retail sales for a higher value and will benefit consumers who do not have access to installment loan. The tool will be available to any type of PIX transactions, including transfers.
PIX warranty will allow companies to benefit from future PIX receivables as a guarantee of credit operations. The initiative may reduce interest on legal entities that often use PIX. According to BC, the tool will be limited to commercial plants and companies, without changes in the way the system is used. Starting is planned for 2026 due to the complexity of the necessary infrastructure.
MED self -service will allow you to defend the PIX transaction directly through the banks’ application, without the need to contact the service of the financial institution. Med, created in 2021, applies only to cases of fraud, blows and operational errors of banks, not including commercial misunderstandings or typing.
Along with the modernization, the process will be performed 100% digital, enabling the user to comply with the status of returning demands. BC indicates that the measure should accelerate the recovery of values transferred to fraud.
Another novelty implemented in PIX from April 1 is the diversity of evidence. Now the schedule coupons must contain the term “PIX planning” and a clock calendar icon, and the finished payments will bring the check icon. The obligation, applied to all banks, aims to combat the blows that require the use of a fake coupon of planned transactions.
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