Pix Rules in Brazil Tighten on Fraud From 18 September 2026
New Pix rules from Brazil's central bank tighten fraud marking, allow an exemption from mandatory participation and open salary accounts to Pix Automático. The post Pix Rules in Brazil Tighten on Fraud From 18 September 2026 appeared first on The Rio Times .
On 18 September 2026, Brazil's central bank released new rules tightening fraud controls under Pix, the country's instant payment system. Two immediate changes affect institutions and users alike. First, larger institutions with over 500,000 active transactional accounts can now be exempt from mandatory Pix participation if their business model justifies it, instead of being compelled to join.
Second, the responsibility for fraud flags has shifted to the institutions that register them. When an institution receives a fraud notice or marks a transaction as potentially fraudulent, they become accountable for that marking. This includes cancelling the marking if there is no basis for suspicion. The flagged account information, such as the customer's CPF or CNPJ, and the Pix key, if applicable, are then attached to the customer or company for up to five years.
Institutions must inform users about the marking, offer a channel for clarification, and respond to review requests within seven days. Failure to do so could result in the marking being cancelled. The new rules also address issues of fraud mark ownership and removal. Previously, flags could be registered by one institution and remain in a shared directory without a clear owner, making it difficult to address them.
The new rule assigns responsibility to the institution that raises the flag, requiring them to cancel it if the suspicion disappears. This change aims to clarify the process and reduce dead ends for users. The seven-day response deadline for review requests is a significant enforcement mechanism, converting an open-ended wait into a defined timeframe.
This change is particularly important for small businesses and foreign residents, whose transaction patterns often trigger automated suspicion. The rules also introduce hybrid billing, requiring institutions to include both a boleto and a Pix QR code on the same document, simplifying payment processes. Additionally, advertising within Pix receipts is now prohibited, removing another potential channel for commercial activities.
Institutions involved in extrajudicial liquidation will face immediate suspension, and exclusion from Pix will take effect immediately rather than after a 30-day notice.
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