BCB Resolution No. 472 — Standardizes Interoperability Events and Sets Maximum Tariff Limits for Payment Arrangement Receivables Registrars

BCB Resolution No. 472

BCB RESOLUTION NO. 472, OF MAY 8, 2025

Regulates the standardization of interoperability events chargeable between receivables registrars of payment arrangements and establishes the maximum limits for the values of these tariffs and their forms of collection.

The Collegiate Board of the Central Bank of Brazil, in a session held on May 8, 2025, based on the provisions of Articles 26, §§ 4 and 5, and 28, caput, item II, of Law No. 12,810, of May 15, 2013,

R E S O L V E:

CHAPTER I

OBJECT AND SCOPE OF APPLICATION

Article 1. This Resolution regulates the standardization of chargeable interoperability events between receivables registrars of payment arrangements and establishes the maximum limits for the values of the tariffs related to these events and the forms of collection of these tariffs.

CHAPTER II

DEFINITIONS

Article 2. For the purposes of this Resolution, it is considered:

I - interoperability tariff: tariff due by one registrar to another registrar due to the provision of interoperability services mentioned in BCB Resolution No. 264, of November 25, 2022;

II - agenda consultation: request for the set of information on receivables units – RUs constituted and on RUs to be constituted;

III - contract effect: inclusion and permanence of effects on active RUs constituted or to be constituted;

IV - contract update: alteration of contract information or affected RUs, whether existing or to be included, constituted or to be constituted;

V - interoperability event: comprises the specific services provided between receivables registrars of payment arrangements, necessary for the operationalization of interoperability;

VI - receivables unit – RU: financial asset composed of payment arrangement receivables, as provided for in Article 2, caput, item III, of BCB Resolution No. 264, of November 25, 2022;

VII - receivables agenda: set of RUs characterized by the identity of the information described in Article 2, caput, item IV, of BCB Resolution No. 264, of November 25, 2022;

VIII - active receivables unit: receivables unit with value constituted or to be constituted, under contract effect or free, with a settlement date after a reference date; and

IX - expired receivables unit: receivables unit with a settlement date prior to a reference date.

CHAPTER III

STANDARDIZATION OF EVENTS AND CHARGING OF INTEROPERABILITY TARIFFS

Article 3. The chargeable interoperability events, as well as their respective forms of collection, are:

I - agenda consultation (batch and online flow), with collection for each agenda made available;

II - contract effect, with collection per RU, every month in which the RU is active for at least one day; and

III - contract update, with collection for each updated RU.

Sole paragraph. The provision of item II of the caput does not apply to cases of expired RU in previous months.

Article 4. The maximum limits for the values of the interoperability tariffs for the events indicated in Article 3, to be observed by receivables registrars of payment arrangements from July 1, 2025, are established in the annex to this Resolution.

§ 1. Receivables registrars of payment arrangements that opt to charge tariff values lower than the maximum limits referred to in the caput must apply them to the collection of standardized interoperability services in a non-discriminatory manner among other operating registrars.

§ 2. Receivables registrars are prohibited from increasing the values of the interoperability tariffs for standardized events relative to those charged in 2024, allowing only the annual correction of these values by the Broad National Consumer Price Index – IPCA.

§ 3. The maximum limit values for the tariffs referred to in the caput, from 2026, will have an annual adjustment limited to the percentage of the accumulated IPCA between May 1 of the year prior to April 30 of the year of validity of the values indicated in the annex to this Resolution.

§ 4. Receivables registrars that carry out the activity of registering payment arrangement receivables must send to the Central Bank of Brazil a joint report containing a proposal for new maximum limits for the values of interoperability tariffs or a new structure of interoperability tariffation to be in effect after the end of the period indicated in the annex to this Resolution.

§ 5. The report referred to in § 4 must be delivered to the Central Bank of Brazil by June 30, 2029, maintaining the maximum limits for the values of the interoperability tariffs established in the annex to this Resolution, until the Central Bank of Brazil approves the amendment to the convention referred to in Article 18 of BCB Resolution No. 264, of November 25, 2022, contemplating the new values or the new structure of interoperability tariffation, with the annual correction of these values by IPCA permitted until the aforementioned approval occurs.

§ 6. The values of the tariffs actually charged for each of the standardized events defined in Article 3 must be published and kept updated by each registrar on its website.

§ 7. Any change in the tariffs charged for each of the standardized events referred to in Article 3 must be communicated to participants and to the Central Bank of Brazil at least thirty days in advance, respecting the limits indicated in the annex referred to in the caput.

CHAPTER IV

FINAL PROVISIONS

Article 5. The Central Bank of Brazil may adopt the necessary measures to execute the provisions of this Resolution.

Article 6. Changes to the convention resulting exclusively from the provisions of this Resolution must be communicated to the Central Bank of Brazil within thirty days after the entry into force of this Resolution.

Article 7. This Resolution enters into force on June 1, 2025.

RENATO DIAS DE BRITO GOMES

Director of Organization of the Financial System and Resolution

ANNEX TO BCB RESOLUTION NO. 472, OF MAY 8, 2025

Table I – Maximum limits for the values of interoperability tariffs to be charged by the standardized interoperability events, according to their respective forms of collection set forth in Article 3.

Values expressed in R$	Start of validity
Standardized interoperability events	July 1, 2025	July 1, 2026	July 1, 2027	July 1, 2028	July 1, 2029
Agenda (batch or online)	0.037295	0.030055	0.022815	0.015575	0.008335
Contract effect	0.004190	0.003562	0.002935	0.002307	0.001680
Contract update	0.000034	0.000028	0.000022	0.000015	0.000009