Instructions for Preparing and Submitting Information Regarding the Pix Payment Arrangement – Participants (On-Demand Submission)

Instructions for Preparing and Submitting Information Regarding the Pix Payment Arrangement – Participants (On-Demand Submission) Department of Competition and Financial Market Structure – Decem September / 2021

Revision History
Date Description
26/10/2020 Initial version
30/10/2020 Inclusion of information about the document and submission in section 3.
16/11/2020 Adjustments due to IN No. 44, of 16/11/2020 (removal of mention to transactions with suspicion of infraction of anti-money laundering and counter-terrorism financing regulations and to transactions settled by the clearing participant). 07/01/2021 Exclusion of the text “Transactions settled by the SPI clearing participant initiated by an indirect participant should not be considered” from the content of sections 2.1 and 2.2. 10/03/2021 Correction of the Autran transaction necessary for sending the information, in section 3. 22/07/2021 Inclusion of the identification of the payment transaction initiation service provider and inclusion of a new initiation mechanism. 30/09/2021 Wording improvements in the “Introduction” and alteration of the link regarding the “Instructions for preparing and submitting information related to Pix (regular submission)”, which now directs to the Information Submission to BC page, available on the Central Bank of Brazil website.

1 Introduction
The objective of this document is to serve as reference material for the technicians responsible for preparing and sending, on demand, the information regarding the Pix payment arrangement, defined by Normative Instruction No. 32, of October 26, 2020. It is important to highlight that the guidelines for the regular submission of information regarding the Pix arrangement are presented in the documents comprising the “Instructions for preparing and submitting information related to Pix (regular submission)”, available at https://www.bcb.gov.br/estabilidadefinanceira/participantespix?modalAberto=pixremessainfoaobc. In topic 2, guidelines regarding the description of information that may be the subject of a specific request are contained. Topic 3 presents guidelines for sending the information. The format, receiving channel, and deadlines will be defined on a case-by-case basis with the information providers.

2 Layout of files and description of fields sent on demand
2.1 Data on transactions settled within the same institution:
Content: Information on transactions settled within the same institution that must be available on demand.

Field Content Specification Content Examples
Scheduling Indicates whether transactions were scheduled or not. Dimension of the yes/no type. Yes Fraud suspicion Indicates transactions with suspected fraud that were analyzed in a time longer than the maximum time limit for authorization of Pix initiation, according to section 2 of the Pix Times Manual. Dimension of the yes/no type. Yes No Not settled due to exceeding the time limit Indicates transactions not settled because the maximum time limit for the execution of a Pix exceeded 40 seconds, according to section 1 of the Pix Times Manual. Dimension of the yes/no type. No Rejected Indicates whether transactions were rejected or not. Dimension of the yes/no type. No Reason for rejection of transactions Indicates the reason for transactions being rejected. The values of interest for the dimension are those listed in arts. 38 and 39 of the Regulation
Annex to Resolution BCB No. 1, of 2020.
Initiation procedure
Indicates which procedure was used for initiating the transaction. The values of interest for the dimension are: 1) manual initiation; 2) initiation from pre-stored values. Initiation mechanisms Indicates which mechanism was used for initiating the transaction. The values of interest for the dimension are: 1) Pix Key; 2) Dynamic QR code; 3) Static QR code; 4) Payment transaction initiation service, in cases where the participant has all the information of the receiving user. Nature of the payer user Indicate the nature of the payer user of the transaction. The values of interest for the dimension are: 1) individual; 2) legal entity. Nature of the payee user Indicate the nature of the payee user of the transaction. The values of interest for the dimension are: 1) individual; 2) legal entity. Initiator Identification of the participant providing the payment transaction initiation service. The dimensions specified above (scheduling, fraud suspicion, etc.) are complementary to the information on quantity and value of transactions sent regularly and defined in item I of Annex I of IN No. 32, of 2020, disaggregated by the various combinations of dimensions. For example, considering the dimensions “scheduling” and “fraud suspicion”, it must be possible to obtain quantity and value of scheduled and suspected fraud transactions, unscheduled and suspected fraud transactions, scheduled and not suspected fraud transactions, and unscheduled and not suspected fraud transactions, for example.

2.2 Data on transactions settled within the same institution and between different institutions:
Content: the following information on transactions settled within the same institution or between different institutions must be available on demand. In the case of information settled within the same institution, the information specified below must be stored in conjunction with the information specified in sections 2.1 of this document and the document Instructions for Preparing and Submitting Information Regarding the Pix Payment Arrangement – Participants (Regular Submission).

Field Content Specification Content Examples
Year Reference year of the information.
Period Reference month of the information (01 to 12).
Number of transactions
It is the count of all Pix transactions settled within the same institution, in the reference month. Payment transactions between different Pix participants that were settled in the SPI should not be considered. Financial amount of transactions Sum of the value of Pix transactions settled within the same institution, in the reference month. Payment transactions between different Pix participants that were settled in the SPI should not be considered. Initiation channel Indicates through which channel the transaction was initiated. The values of interest for the dimension are: 1) institution's application; 2) institution's internet banking, regardless of the device used; 3) call center; 4) ATM; 5) branch
1) application
3 Guidelines for sending the information
In the process of sending the information presented in topic 2, the procedures set forth in Annex II to Normative Instruction No. 32, of 2020, as well as the specific guidelines to be disclosed by the Central Bank of Brazil, at the time of the request, must be observed. The document number is 1202 and must be sent through the STA application, according to instructions available on the BCB website on the internet (https://www.bcb.gov.br/acessoinformacao/sistematransferenciaarquivos), code (APIX002). To send the document, access to the SPIXP001 transaction in Autran is required. Information for obtaining transactions is available at https://www.bcb.gov.br/acessoinformacao/sisbacen.