BCB Resolution No. 559 of April 23, 2026

BCB RESOLUTION NO. 559, OF APRIL 23, 2026

Amends the regulation annexed to BCB Resolution No. 1, of August 12, 2020, which institutes the Pix payment arrangement and approves its Regulation, to improve provisions related to the withdrawal service facilitator and the reimbursement of operational costs within the scope of Pix Saque and Pix Troco; to adjust obligations of payment institutions not authorized to operate by the Central Bank of Brazil; to include a new case that generates loss of participation status; to alter a provision related to the value recovery functionality; to alter a provision related to notification regarding occurrences of non-compliance with the Pix Regulation; to include a provision related to the verification of participants' adherence to the Pix Regulation; and to alter rules related to the Special Return Mechanism.

The Collegiate Board of Directors of the Central Bank of Brazil, in a session held on April 23, 2026, based on art. 10, caput, 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,

RESOLVES:

Art. 1 The regulation annexed to BCB Resolution No. 1, of August 12, 2020, published in the Official Gazette of the Union on August 13, 2020, shall enter into force with the following alterations:

“Art. 11-L. ............................................................................................................................... ................................................................................................................................................. § 1º ......................................................................................................................................... ................................................................................................................................................. X - the prohibition on the withdrawal agent establishing a contractual relationship with more than one withdrawal service facilitator simultaneously; and XI - the need for the withdrawal agent to keep updated, with its withdrawal service facilitator, the information necessary to facilitate the service. ................................................................................................................................................. § 5º The participant acting as a withdrawal service facilitator must be the same participant providing the transactional account of the withdrawal agent, except as provided in § 6º. § 6º The participant providing the transactional account of the withdrawal agent may be distinct from the withdrawal service facilitator only when it concerns a singular credit cooperative and the central credit cooperative or the multiple cooperative bank to which it is affiliated.” (NR)

“Art. 15-A. ............................................................................................................................... ................................................................................................................................................. § 2º At the time of offering the Pix API, Pix participants must observe the set of functionalities of each product or service they wish to offer, with at least those related to art. 11-A, caput, item I, being included.” (NR)

“Art. 24. ............................................................................................................................... ................................................................................................................................................. § 1º The payment institutions referred to in art. 3, § 9º, of BCB Resolution No. 1, of August 12, 2020, must have a contract signed with a responsible participant. ...........................................................................................................................................” (NR)

“Art. 27. ............................................................................................................................... I - certify to the Central Bank of Brazil that the contracting participant meets the requirements set forth in art. 24, caput, item II. ...........................................................................................................................................” (NR)

“Art. 31. ............................................................................................................................... ................................................................................................................................................. VII - failing to request authorization to operate from the Central Bank of Brazil within the deadlines set forth in art. 3, § 9º, of BCB Resolution No. 1, of August 12, 2020, and art. 9º-A of BCB Resolution No. 80, of March 25, 2021; VIII - suffering a penalty of exclusion from Pix in a final decision; or IX - having no active liquidating participant in the SPI for more than ninety consecutive days.” (NR)

“Art. 41-D. ............................................................................................................................... ................................................................................................................................................. § 1º The block referred to in item II of the caput must: I - be made immediately after the payment service provider participant of the receiving user receives the infraction notification; and II - be complemented whenever there is an entry of funds into the receiving user's transactional account, up to the limit of the requested value or until the end of the infraction notification procedure, whichever occurs first. ...........................................................................................................................................” (NR)

“Art. 78-F. ............................................................................................................................... ................................................................................................................................................. § 2º The use of the value recovery functionality will imply the automatic creation of infraction notifications for all transactions that are selected according to the DICT algorithm. ...........................................................................................................................................” (NR)

“Art. 91-A. ............................................................................................................................... ................................................................................................................................................. § 3º In order to certify the participant's adherence to the terms of this Regulation, the Central Bank of Brazil may determine the presentation of a reasonable assurance report prepared by an independent audit firm registered with the CVM. § 4º The independent audit firm hired by the participant must possess technical, administrative, and operational capacity compatible with the performance of the reasonable assurance work provided for in § 3º.” (NR)

“Art. 91-B. ............................................................................................................................... ................................................................................................................................................. § 2º Within the scope of the notification referred to in the caput, the Central Bank of Brazil may request: I - the presentation of an action plan that includes the schedule for implementing the corrective measures necessary to avoid the recurrence of the occurrence characterizing non-compliance with the Pix Regulation and that meets the compliance deadlines determined; and II - the presentation of a reasonable assurance report prepared by an independent audit firm registered with the CVM, which must possess technical, administrative, and operational capacity compatible with the performance of the work, in order to verify the effectiveness of the adopted corrective measures. ...........................................................................................................................................” (NR)

“Art. 91-D. The representatives of the Pix participant may be summoned to provide clarifications regarding the institution's activity in Pix, either in person or virtually, at the discretion of the Central Bank of Brazil.” (NR)

“Art. 96-B. ............................................................................................................................... ................................................................................................................................................. § 2º ........................................................................................................................................ I - R$1.50 (one real and fifty cents), in transactions where the withdrawal service is facilitated by a withdrawal agent that is a commercial establishment of any nature; II - R$2.25 (two reais and twenty-five cents), in transactions where the withdrawal service is facilitated directly by the withdrawal service facilitator itself; or III - R$3.00 (three reais), in transactions where the withdrawal service is facilitated by a withdrawal agent that is: ................................................................................................................................................. § 4º The reimbursement of operational costs shall be made to the withdrawal service facilitator. § 5º ......................................................................................................................................... I - at least R$0.40 (forty cents of a real), in the transactions referred to in item I of § 2º; and ...........................................................................................................................................” (NR)

“Art. 116. ............................................................................................................................... ................................................................................................................................................. § 2º ......................................................................................................................................... I - the provisions of art. 24, § 1º, shall apply to the third-party holder of a transactional account; ...........................................................................................................................................” (NR)

Art. 2 The following provisions of the regulation annexed to BCB Resolution No. 1, of August 12, 2020, published in the Official Gazette of the Union on August 13, 2020, are hereby repealed: I - items XII, XIII, and XIV of § 1º of art. 11-L; II - items I and II of § 1º of art. 24; III - §§ 2º and 3º of art. 41-D; IV - art. 41-G; V - items I and II of § 2º of art. 78-F; and VI - § 3º of art. 96-B.

Art. 3 This Resolution enters into force on the date of its publication, producing effects: I - from July 1, 2026: a) for the alterations introduced by art. 1º, regarding arts. 11-L, 15-A, 41-D, and 96-B of the regulation annexed to BCB Resolution No. 1, of August 12, 2020; and b) for the repeals referred to in art. 2º, caput, items I, III, IV, and VI; and II - immediately, for the remaining provisions.

GILNEU FRANCISCO ASTOLFI VIVAN Director of Organization of the Financial System and Resolution