Normative Instruction BCB No. 351 of February 15, 2023

NORMATIVE INSTRUCTION BCB NO. 351, OF FEBRUARY 15, 2023

Amends Normative Instruction BCB No. 290, of July 29, 2022, which establishes the procedures necessary for formal homologation tests in the Transactional Account Identifiers Directory (DICT), for the validation of QR Codes, for the validation of the payment transaction initiation service, and for homologation tests for the publication of information related to the withdrawal service, within the scope of Pix, to adjust provisions regarding formal homologation tests in the DICT and the forms for products and services offered.

The Head of the Department of Competition and Financial Market Structure (Decem), using the authority conferred by Article 97-A, item X, letter 'b' of the Internal Regulations of the Central Bank of Brazil, annexed to Ordinance No. 84,287, of February 27, 2015, and considering the provisions of Article 25, paragraph 3, and Article 114 of the Regulation annexed to Resolution BCB No. 1, of August 12, 2020,

RESOLVES:

Article 1. Normative Instruction BCB No. 290, of July 29, 2022, shall enter into force with the following amendments:

“Article 11. ........................................................................................................................

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IV - suggest the date and time for the performance of the tests, which shall take place on a business day and during commercial hours.

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

“Article 15. ........................................................................................................................

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III - synchronization verification: successfully perform a synchronization verification for the type of Pix key registered in the preparation stage, as provided in item I of Article 11;

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

“Article 19. ........................................................................................................................

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III - suggestion of date and time for the performance of the test, which shall take place on a business day and during commercial hours.” (NR)

“Article 29. ........................................................................................................................

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II - suggestion of date and time for the performance of the test, which shall take place on a business day and during commercial hours.” (NR)

Article 2. Annex I to Normative Instruction BCB No. 290, of 2022, shall enter into force with the following wording:

“Annex I - Form for products and services offered by transactional account provider participants and who have authorization to operate from the Central Bank of Brazil

I	Reason for submission	( ) Application for adherence ( ) Update of products and services, as provided in Article 56, paragraph 1 - participant operating in Pix ( ) Update of products and services, as provided in Article 56, paragraph 1 - institution adhering to Pix
II	CNPJ Registration
III	Corporate Name
IV	Offers transactional accounts to end users:	( ) legal entities ( ) natural persons
V	Offers Pix API1	( ) yes ( ) no
VI	Withdrawal service facilitator (Pix Withdrawal and Pix Change)	( ) yes ( ) no
VII	Mandatory products and services offered to natural persons	Scheduled Pix Pix Key Static QR Code Reading Dynamic QR Code Reading Pix Collection for immediate payments - generation of static QR Code
VIII	Optional products and services offered to natural persons	( ) Pix Collection for immediate payments - generation of dynamic QR Code ( ) Pix Collection for payments with maturity - generation of dynamic QR Code
IX	Mandatory products and services offered to legal entities	Scheduled Pix
X	Mandatory products and services offered to legal entities by participants who offer Pix API	Pix Collection for immediate payments - generation of dynamic QR Code Pix Withdrawal - generation of dynamic QR Code Pix Change - generation of dynamic QR Code
XI	Optional products and services offered to legal entities	( ) Pix Key2 ( ) Static QR Code Reading2 ( ) Dynamic QR Code Reading2 ( ) Generation of static QR Code of Pix Collection for immediate payments and Generation of static QR Code of Pix Withdrawal3 ( ) Pix Collection for payments with maturity - generation of dynamic QR Code
XII	Optional products offered through payment transaction initiation service by Open Finance participants4	( ) Pix Initiation - Manual entry of transactional account data of the receiving user ( ) Pix Initiation - Pix Key ( ) Pix Initiation – INIC5 ( ) Pix Initiation - QR Code reading ( ) Scheduled Pix

1 Any type of dynamic QR Code can only be generated through the Pix API.
2 The institution that makes transactional accounts available to legal person users must make available, at minimum, one of the three modalities for performing a Pix.
3 If opting to offer static QR Code generation to legal entities, the participant is obliged to offer, through this form of initiation, both the functionalities related to the Pix Collection for immediate payments products, as well as the functionalities related to Pix Withdrawal. 4 The provision of payment transaction initiation service is optional for transactional account provider participants and available only with prior authorization for the exercise of the activity, granted by the Central Bank of Brazil, except for cases of exemption provided for in specific regulations. 5 Corresponds to cases where the transactional account provider providing the initiation service holds the information of the receiving user.” (NR)

Article 3. Annex II to Normative Instruction BCB No. 290, of 2022, shall enter into force with the following wording:

“Annex II - Form for products and services offered by transactional account provider participants and who do not have authorization to operate from the Central Bank of Brazil

I	Reason for submission	( ) Application for adherence ( ) Update of products and services, as provided in Article 56, paragraph 1 - participant operating in Pix ( ) Update of products and services, as provided in Article 56, paragraph 1 - institution adhering to Pix
II	CNPJ Registration
III	Corporate Name
IV	Offers transactional accounts to end users:	( ) legal entities ( ) natural persons
V	Offers Pix API1	( ) yes ( ) no
VI	Mandatory products and services offered to natural persons	Scheduled Pix Pix Key Static QR Code Reading Dynamic QR Code Reading Pix Collection for immediate payments - generation of static QR Code
VII	Optional products and services offered to natural persons	( ) Pix Collection for immediate payments - generation of dynamic QR Code ( ) Pix Collection for payments with maturity - generation of dynamic QR Code
VIII	Mandatory products and services offered to legal entities	Scheduled Pix
IX	Mandatory products and services offered to legal entities by participants who offer Pix API	Pix Collection for immediate payments - generation of dynamic QR Code Pix Withdrawal - generation of dynamic QR Code Pix Change - generation of dynamic QR Code
X	Optional products and services offered to legal entities	( ) Pix Key2 ( ) Static QR Code Reading2 ( ) Dynamic QR Code Reading2 ( ) Generation of static QR Code of Pix Collection for immediate payments and Generation of static QR Code of Pix Withdrawal3 ( ) Pix Collection for payments with maturity - generation of dynamic QR Code

1 Any type of dynamic QR Code can only be generated through the Pix API.
2 The institution that makes transactional accounts available to legal person users must make available, at minimum, one of the three modalities for performing a Pix.
3 If opting to offer static QR Code generation to legal entities, the participant is obliged to offer, through this form of initiation, both the functionalities related to the Pix Collection for immediate payments products, as well as the functionalities related to Pix Withdrawal.” (NR)

Article 4. Annex III to Normative Instruction BCB No. 290, of 2022, shall enter into force with the following wording:

“Annex III - Form for optional products and services offered exclusively by initiators and for registration update to transactional account providers who intend to offer the payment initiation service.

I	Reason for submission	( ) Application for adherence ( ) Update of products and services, as provided in Article 56, paragraph 1 - participant operating in Pix ( ) Update of products and services, as provided in Article 56, paragraph 1 - institution adhering to Pix
II	CNPJ Registration
III	Corporate Name
IV	Optional products offered through initiation service1	( ) Pix Initiation - Manual entry of transactional account data of the receiving user ( ) Pix Initiation - Pix Key ( ) Pix Initiation – INIC2 ( ) Pix Initiation - QR Code reading ( ) Scheduled Pix

1 The initiator must make available, at minimum, one of the Pix initiation modalities.
2 Corresponds to cases where the initiator participant holds the information of the receiving user.” (NR)

Article 5. This Normative Instruction enters into force on March 1, 2023.

Angelo José
Mont Alverne Duarte

NOTE

Decree No. 10,411, of June 30, 2020, provides for the mandatory performance of regulatory impact analysis (RIA) for the issuance of normative acts of general interest produced by the organs and entities of the direct and indirect federal public administration.

However, as defined in paragraph 8 of Vote 280/2021–BCB, of November 10, 2021, the Pix Regulation, including the other documents that integrate, detail, or complement it, do not constitute regulatory acts of binding force, possessing, in truth, an eminently contractual nature. Thus, modifications made to the aforementioned regulation and to the other documents that integrate, detail, or complement it are not subject to the prior production of RIA.