Central Bank Resolution No. 79 of March 18, 2021, Amending the Regulation Annexed to Resolution BCB No. 1 of August 12, 2020, Governing the Pix Payment Arrangement

Resolution No. 79

BCB RESOLUTION NO. 79, OF MARCH 18, 2021

Amends the Regulation annexed to BCB Resolution No. 1, of August 12, 2020, which governs the functioning of the Pix payment arrangement.

The Collegiate Board of the Central Bank of Brazil, in a session held on March 18, 2021, 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, and having in view the provisions of 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. 1. The Regulation annexed to BCB Resolution No. 1, of August 12, 2020, shall enter into force with the following amendments:

“Art. 11-C. .......................................................................................................

Sole paragraph. The operational aspects necessary for the implementation of Pix Cobrança for payments with due dates, including regarding the timeframes to be observed by participants, will be contained in a specific document published by the Central Bank of Brazil.” (NR)

“Art. 25. ..........................................................................................................

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§ 2. .................................................................................................................

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III - formal homologation tests in the DICT;

IV - verification of adherence of solutions developed for end users; and

V - procedures for homologation of products or services, of mandatory or optional offer, within the scope of Pix.

§ 3. The detailing of requirements, procedures, forms and timeframes regarding the registration stage and the homologation stage are detailed in a specific document published by the Central Bank of Brazil.” (NR)

“Art. 37-A. Pix participants shall not establish limits for the number of transactions within the arrangement that can be sent or received by end users.” (NR)

“Art. 54. ..........................................................................................................

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III - alteration: allows the alteration of information linked to the Pix key related to the full name, business name, establishment title, transactional account number and transactional agency number linked to the transactional account;

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VII - inquiry: allows the inquiry of information of the transactional account of the receiving user linked to a specific Pix key and the availability of information from this account to the paying user;

VIII - notification of infraction: allows the notification of infraction, due to suspicion of fraud; and

IX - verification of registered Pix keys: allows verifying whether a specific Pix key is registered in the DICT.” (NR)

“Art. 59. ..........................................................................................................

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VI - full name of the natural person end user, which, at the discretion of the end user, may be the civil name, as registered in the CPF, or the social name, if registered in a legally valid identity document;

VII - business name of the legal person end user, as registered in the CNPJ;

VIII - registration number of the end user in the CPF or CNPJ, as applicable; and

IX - establishment title (trade name) of the end user, if registered in the CNPJ.

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

“Subsection III

Of the alteration of information linked to the Pix key” (NR)

“Art. 64. The alteration of information linked to the Pix key must be requested by the Pix participant.” (NR)

“Art. 65. The alteration of information linked to the Pix key is a functionality whose offer is optional by Pix participants with direct or indirect access to the DICT.” (NR)

“Art. 67. The alteration of information linked to the Pix key may be requested:

I - at the request of the end user to whom the key is linked, in the case where there is an alteration of the full name, business name, establishment title, agency number or agency number and transactional account number; or

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

“Subsection VIII

Of the verification of registered Pix keys

Art. 78-A. The verification of registered Pix keys will be requested by a Pix participant through its own initiative.

Art. 78-B. The verification of registered Pix keys is a functionality whose offer is optional by Pix participants with direct or indirect access to the DICT.

Art. 78-C. The DICT will return, to the Pix participant that sent the order for verification of registered Pix keys, only the information that the verified keys are or are not registered in the DICT.

Art. 78-D. The information returned by the DICT, after the request for verification of registered Pix keys, must be used exclusively to feed the cache of Pix key existence, in accordance with the DICT Operational Manual.

Art. 78-E. The verification of registered Pix keys may be requested for the following types of keys:

I - mobile phone number; and

II - electronic mail address (e-mail).” (NR)

“Section VII

Of the homologation process of products and services within the scope of Pix

Art. 114. Pix participants that act as providers of transactional accounts and that already offer or wish to offer products or services within the scope of Pix to end users must carry out the necessary procedures for the homologation of these products, as detailed in a specific document published by the Central Bank of Brazil.” (NR)

“Section VIII

Of the communication to holders of registered Pix keys regarding the functionality referred to in item IX of art. 54

Art. 115. Pix participants must inform, to end users who have a registered Pix key, about the possibility of other end users having knowledge about the existence of their Pix key as a result of the implementation of the verification functionality of registered Pix keys, referred to in item IX of art. 54.

§ 1. The provisions of the caput apply to the following types of Pix keys:

I - mobile phone number; and

II - electronic mail address (e-mail).

§ 2. The information referred to in the caput must be provided in sufficient time for end users to have the conditions to request the deletion of their Pix key, if they so desire, before the implementation of the functionality referred to in item IX of art. 54.” (NR)

Art. 2. This Resolution enters into force on April 1, 2021, producing effects from its publication regarding the amendments promoted in arts. 11-C and 25 of the Regulation annexed to BCB Resolution No. 1, of 2020, as well as regarding the insertions, in this Regulation, of arts. 114 and 115.

João
Manoel Pinho de Mello

Director of Organization of the Financial System and Resolution