The measure requires financial institutions to take into account the functionality of the return in banking applications
Customers can compete with transactions made by PIX in the case of fraud, a coup or crime, directly according to the bank’s application, digitally, from October 1, according to the central bank determined on Friday (4) in Brasilia.
The agent requires financial institutions to take into account the functionality of a special return mechanism (MED) in applications, to improve the process and increase the risk of recovering improperly sent values.
The new feature is part of the central bank’s efforts to strengthen PIX security and will allow you to register transaction competitions in the last 80 days. The process will be performed without contact with the human service of the institution.
According to the note sent to the press, the customer may proceed in accordance with the contract progress and, if necessary, send supplementary documents. The application must also inform the date of resolution, allow the cancellation of demands and explain the steps of the process.
The system cannot be used in the event of a payer’s error – such as sending from PIX to the wrong key – or commercial misunderstanding. In the contestation record, the application will require the selection of the desired transaction and the type of fraud, between options such as: forced transfer under a threat, improper use of a password or other type of fraud, with space for a description up to 2000 characters.
After registration, the bank must enter the report number, date and time, response period and if there is a balance on the recipient’s account. The financial institution of the recipient of the transfer will be notified of suspected fraud, and the beneficiary will be informed about the locking of values, including data from transactions and time Maximum retention, which is 11 days.
If the amount is refunded, the payer will be immediately notified, as well as the PIX recipient, with information on the value assigned, times and surnames involved. The user can cancel the order at any time, after confirmation.
If there is a technical failure that prevents registration, the application must issue an error message. In the event of refusal to return, the customer will be informed that he will not be able to register a new application and should look for a bank service. If the situation is not provided for in the MD rules, the system will inform you that the application cannot be completed and that negotiations should be made directly with the recipient.
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