BCB Resolution No. 181 — Amends the Regulation annexed to BCB Resolution No. 1 of August 12, 2020, governing the Pix payment arrangement

BCB RESOLUTION NO. 181, OF JANUARY 25, 2022

Amends the Regulation annexed to BCB Resolution No. 1, of August 12, 2020, which governs the operation of the Pix payment arrangement, to adjust provisions regarding references to the standard relating to payment arrangements, regarding Pix scheduling, and regarding the rejection of transactions.

The Collegiate Board of the Central Bank of Brazil, in a session held on January 25, 2022, based on art. 10, item IV, of Law No. 4.595, of December 31, 1964, art. 10 of Law No. 10.214, of March 27, 2001, arts. 6, 7, 9, 10, 14 and 15 of Law No. 12.865, of October 9, 2013, Resolution No. 4.282, of November 4, 2013, Communication No. 32.927, of December 21, 2018, and Communication No. 34.085, of August 28, 2019,

R E S O L V E:

Art. 1º The Regulation annexed to BCB Resolution No. 1, of August 12, 2020, shall enter into force with the following alterations:

“Art. 4º Pix covers, with respect to the modalities of payment arrangements established in the current standards on payment arrangements, the arrangements classified according to their purpose, the relationship of end users with the participating institution, and territorial coverage, as:

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“Art. 9º The request for a Scheduled Pix must be held in the internal systems of the account-providing participant, without affecting the transaction account balances of the paying user, until the moment of the actual initiation of the Pix, when it then follows the normal flow of a Pix, as provided in Chapters VIII, IX and X of this Regulation.

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§ 3º The retention referred to in the caput also applies in the case of the initiation of a Scheduled Pix through a payment transaction initiation service.” (NR)

“Art. 11-E. .......................................................................................................

Sole Paragraph. In the event that a Pix Collection related to payments with maturity is initiated through a payment transaction initiation service and has been scheduled for a specific future date, the provisions of art. 9º and art. 10, item III, of this Regulation must be observed.” (NR)

“Art. 38.
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IV - there are problems in the authentication of the paying user;

V - it involves the movement of resources originating from paying users sanctioned by resolutions of the United Nations Security Council, as provided in Law No. 13.810, of 2019, and according to its own discipline issued by the Central Bank of Brazil; or

VI - there is an inconsistency between the transaction and the parameters assigned to transactions for the purpose of withdrawal or change, including with respect to the value limits established by the Central Bank of Brazil in a specific document, the legal nature of the receiving user, and the participants who can initiate transactions with these purposes.

................................................................................................................” (NR)

“Art. 39. ............................................................................................................

I - there is a well-founded suspicion of fraud;

II - there are problems in the identification of the receiving user; or

III - the withdrawal agent, in transactions for the purpose of withdrawal or change, has not been enabled to facilitate the withdrawal service, as defined by the Central Bank of Brazil in a specific document.” (NR)

Art. 2º Items I and II of art. 9º of the Regulation annexed to BCB Resolution No. 1, of 2020, are hereby revoked.

Art. 3º This Resolution enters into force on February 1, 2022.

João Manoel Pinho de Mello
Director of Organization of the Financial System and Resolution