Normative Instruction BCB No. 513 — Establishes Operational Procedures for Automatic Pix, Scheduled Pix, and Collection Pix

NORMATIVE INSTRUCTION BCB NO. 513, OF AUGUST 30, 2024

Establishes the operational procedures related to Automatic Pix, Scheduled Pix, and Collection Pix.

The Head of the Department of Competition and Financial Market Structure (Decem), in the exercise of the authority conferred by art. 23, item I, letter “a”, of the Internal Regulations of the Central Bank of Brazil, annexed to Resolution BCB No. 340, of September 21, 2023, based on art. 94, item IX, of said Regulations, and taking into account the provisions of arts. 11-U and 41-A of the Regulation annexed to Resolution BCB No. 1, of August 12, 2020,

R E S O L V E S:

Art. 1º This normative instruction details operational procedures related to Scheduled Pix, Collection Pix, and Automatic Pix, as provided for, respectively, in Chapter V, Section II, Subsections I, II, and IV of the regulation annexed to Resolution BCB No. 1, of August 12, 2020 (Pix Regulation).

Art. 2º The periodicity of Automatic Pix referred to in art. 11-U, item V, letter “e” of the Pix Regulation may be:

I - weekly;

II - monthly;

III - quarterly;

IV - semi-annually; and

V - annually.

Art. 3º In the authorization process referred to in art. 11-Q, § 1º, item VII, letter “a” of the Pix Regulation, the payment service provider of the payer user must keep the request for the granting of authorization open until:

I - the confirmation or refusal by the payer user;

II - the limit of thirty days after the sending, by the payment service provider of the payee user, of the information regarding the requested permission; or

III - the cancellation of the permission request by the payment service provider of the payee user.

§ 1º The period set forth in item II of the caput may be shorter, at the discretion of the payee user.

§ 2º If the maximum period for granting the authorization is exceeded or if the payment service provider of the payee user has cancelled the permission request, the payment service provider of the payer user must exclude the request for granting the authorization.

Art. 4º In the authorization process referred to in art. 11-Q, § 1º, item VII, letter “d” of the Pix Regulation, the payment service provider of the payer user must make the proposal for Automatic Pix to the payer user, including in cases where this user has scheduled the payment of the charge contained in the QR Code.

Art. 5º Within the scope of Automatic Pix, the payment service provider of the payee user, in cases where it is the provider of the transactional account, must send payment instructions to the payment service provider of the payer user with information related to the charge, as provided for in the Manual of Flows of the Pix Effectiveness Process and in the Manual of Standards for Pix Initiation.

§ 1º The payment instructions referred to in the caput must generally be sent between two and ten calendar days before the date scheduled for settlement, according to the information of the permission granted by the payer user to the payee user.

§ 2º Exceptionally, in situations where the payee user has problems generating the payment instructions, the information referred to in the caput may be sent after the period indicated in § 1º, provided that:

I - the minimum advance notice of two calendar days between the date of scheduling and the date of settlement scheduled in the payment instruction is respected;

II - the date of settlement scheduled in the payment instruction, according to the parameters of the authorization granted by the payer user, is prior to:

a) the start date of the next cycle; or

b) the end of the recurrence, in the case of the last cycle; and

III - no charges for delay are levied, due to the cause being the payee user itself.

§ 3º For the purposes set forth in this Normative Instruction, a cycle is understood as the period referred to a recurring charge within the scope of Automatic Pix, whose start and end dates are determined based on the periodicity and the start date of the corresponding recurrence.

§ 4º The resending of a payment instruction for the same Automatic Pix charge may be made on the same day of settlement only in the case of an operational failure that occurs after the sending of any payment order regarding that charge and prevents its settlement, following the provisions of art. 7º, §§ 11, 12, 13, 14, 15 and 16. (Amended, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 5º The date of settlement scheduled in the payment instruction must correspond to the due date of the charge, except as provided in § 6º.

§ 6º At the discretion of the payee user, if the due date of the charge is not a business day, the date of settlement scheduled in the payment instruction may correspond to the first subsequent business day.

§ 7º The payment service provider of the payee user must send the payment instructions received from the payee user only if they are in compliance with the permission granted by the payer user to the payee user.

§ 8º The payment service provider of the payee user must not send the payment instruction if: (Amended, effective from 16/6/2025, by Normative Instruction BCB No. 634, of 5/6/2025.)

I - the permission granted by the payer user to the payee user is not confirmed; or (Included, effective from 16/6/2025, by Normative Instruction BCB No. 634, of 5/6/2025.)

II - the payee user is in the situation provided for in art. 89, § 2º, of the Pix Regulation. (Included, effective from 16/7/2025, by Normative Instruction BCB No. 634, of 5/6/2025.)

§ 9º The information that must be part of the payment instruction will be set forth in the Catalog of Services of the SFN and in the Open Finance regulatory framework, if the payment service provider of the payee user is, respectively, the provider of the transactional account or a participant that provides a payment transaction initiation service.

§ 10. The payment service provider of the payee user must use the information contained in the CNPJ, according to the record maintained by the Federal Revenue Service, to fill in the identification information of the payee user in the payment instructions and in all other flows related to Automatic Pix. (Included, effective from 16/6/2025, by Normative Instruction BCB No. 634, of 5/6/2025.)

Art. 6º Within the scope of Automatic Pix, the payment service provider of the payer user must schedule the payment order up to two hours after receiving the payment instruction from the payment service provider of the payee user, in compliance with the information contained in the respective payment instruction.

§ 1º The payment service provider of the payer user must not effectuate the scheduling of the payment order, rejecting the payment instruction, if:

I - the value scheduled in the payment instruction is greater than the maximum value authorized by the payer user, in cases where the authorization granted is for a variable value;

II - the value scheduled in the payment instruction is different from the value authorized by the payer user, in cases where the authorization granted is for a fixed value;

III - the date scheduled in the payment instruction is not compatible with the date and periodicity defined in the authorization, except as provided in art. 5º, § 2º;

IV - the payee user informed in the payment instruction does not correspond to the payee user informed by the payer user in the authorization granted;

V - the rules set forth in art. 5º, §§ 1º, 2º, 4º, 5º and 6º are not respected; (Amended by Normative Instruction BCB No. 743, of 11/6/2026.)

VI - there is no valid authorization granted by the payer user; or

VII - there is any impeditive discrepancy between the payment instruction and the authorization granted by the payer user.

§ 2º In the cases set forth in § 1º, the payment service provider of the payee user may send, upon command of the payee user, a new payment instruction up to two days before the date scheduled for settlement. (Amended, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

Art. 7º Within the scope of Automatic Pix, the payment service provider of the payer user must send the payment order for settlement on the day informed in the payment instruction, between zero hours and eight hours, whenever there are sufficient funds in the payer user's transactional account, respecting the available transactional limit for the respective operation.

§ 1º If the payment order is not sent for settlement at the time scheduled in the caput, due to lack of sufficient funds or available transactional limit, the payment service provider of the payer user must:

I - send a notification to its client informing them about the non-settlement of the Automatic Pix, as detailed in the Manual of Minimum Requirements for User Experience; and

II - make at least one additional attempt to send the order between eighteen hours and twenty-one hours of the same day.

§ 2º The provisions of § 1º also apply in the case where the payment order was not sent for settlement due to an operational failure.

§ 3º The payment service provider of the payer user may, at its discretion, attempt to send the payment order for settlement multiple times, provided that:

I - the minimum attempts set forth in the caput and in § 1º are respected; and

II - the last attempt occurs up to 21 hours on the day scheduled for settlement.

§ 4º If the settlement of the payment order is not effectuated after the last attempt of the day scheduled for settlement, the payment service provider of the payer user must send a notification to its client informing them about the non-settlement of the Automatic Pix, as detailed in the Manual of Minimum Requirements for User Experience.

§ 5º If the payment order is not sent for settlement on the day set forth in the caput, for any of the reasons set forth in §§ 1º and 2º, the payment service provider of the payee user must, at the discretion of the payee user and if provided for in the authorization granted by the payer user to its payment service provider, make new attempts, by sending new payment instructions.

§ 6º The payment service provider of the payee user must follow the provisions of § 5º for up to seven calendar days counted from the date of settlement scheduled in the original payment instruction, at the discretion of the payee user, while the payment order is not settled, provided that, according to the authorization granted by the payer user, it does not exceed the day immediately prior to:

I - the start date of the next cycle; or

II - the end of the recurrence, in the case of the last cycle.

§ 7º The payment instructions related to the new attempts referred to in § 5º must be sent, at most, on three different dates, at the discretion of the payee user and considering the maximum period of seven calendar days set forth in § 6º.

§ 8º In the seven days referred to in § 6º, the value of the payment order must be equal to the value of the payment order informed in the original payment instruction referred to in the caput.

§ 9º In the cases of new attempts on days different from the day informed in the original payment instruction, the payment service provider of the payee user must send the new payment instruction up to twenty-three hours and fifty-nine minutes of the day immediately prior to the day of settlement informed in the respective payment instruction.

§ 10. In the cases of new attempts on days different from the day informed in the original payment instruction, the payment service provider of the payer user must send the payment order for settlement whenever it receives a new payment instruction sent by the payment service provider of the payee user, following the provisions of the caput and §§ 1º, 2º, 3º and 4º.

§ 11. If an error occurs in the settlement flow of the payment order after its sending by the payment service provider of the payer user, such error must be reported immediately to the payment service provider of the payee user, as detailed in the Manual of Flows of the Pix Effectiveness Process.

§ 12. In the case provided for in § 11, the payment service provider of the payee user must resend the payment instruction regarding the charge that could not be paid due to the error in the settlement flow so that the payment service provider of the payer user can make a new attempt at settlement on that same day, except as provided in § 15. (Amended, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 13. The provisions set forth in art. 6º, § 1º, items II, III, IV and VII apply to the payment instruction resent as referred to in § 12. (Amended, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 14. The payment service provider of the payer user must accept the resending of payment instructions referred to in § 12 only up to 21 hours on the day scheduled for the original settlement.

§ 15. If the error referred to in § 11 was caused because the participant of the payee user rejected the payment order, the resending of the payment instruction provided for in § 12 will be at the discretion of that participant. (Included, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 16. The resent payment instruction as provided for in § 12 must necessarily present a value equal to the value of the payment order informed in the original payment instruction referred to in the caput. (Included, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 17. The pacs.008 message regarding the payment order to be sent for settlement, including in situations where the payment instruction is generated by the participant that provides a payment transaction initiation service, must obligatorily present the field “formaDeIniciacao” filled with the value “AUTO”. (Included, effective from 16/6/2025, by Normative Instruction BCB No. 614, of 5/5/2025.)

§ 18. If the payment instruction has been generated by a participant that provides a payment transaction initiation service, the field “idConciliacaoRecebedor” of the pacs.008 message regarding the respective payment order must not be filled. (Amended by Normative Instruction BCB No. 743, of 11/6/2026.)

Art. 8º Within the scope of Automatic Pix, the payment service provider of the payer user must cancel a scheduled payment order if:

I - its client requests cancellation up to twenty-three hours and fifty-nine minutes of the day immediately prior to the day scheduled for settlement informed in the payment instruction; or

II - it receives a cancellation request from the payment service provider of the payee user up to 22 hours on the day immediately prior to the day scheduled for settlement informed in the payment instruction.

Art. 9º Within the scope of Automatic Pix, the payment service provider of the payer user must cancel all scheduled payment orders that refer to an authorization that has been cancelled.

§ 1º If the authorization has been cancelled by the payer user, its payment service provider must cancel all schedules whose settlement is programmed for any day subsequent to the day on which the authorization was cancelled.

§ 2º If the authorization has been cancelled because the payment service provider of the payee user informed the cancellation of the permission granted by the payer user to the payee user, the payment service provider of the payer user must cancel all schedules whose settlement is programmed for any day subsequent to the day on which it receives the information, except as provided in § 3º.

§ 3º If the payment service provider of the payee user informs the payment service provider of the payer user of the cancellation of the permission granted by the payer user to the payee user between 22 hours and 23 hours and 59 minutes, the payment service provider of the payer user must cancel all schedules whose settlement is programmed for any day subsequent to the day following the day on which it receives the information.

Art. 10. The payment service provider of the payer user must offer functionalities so that its client can manage:

I - the authorizations granted within the scope of Automatic Pix;

II - the schedules made within the scope of Automatic Pix; and

III - the schedules made within the scope of Scheduled Pix.

Sole Paragraph. The functionalities referred to in the caput will be set forth in the Manual of Minimum Requirements for User Experience.

Art. 11. Within the scope of Automatic Pix, the payment service provider of the payee user, if it holds its transactional account, must offer functionalities so that its client can manage the permissions received from the payer user and the payment instructions.

Sole Paragraph. The functionalities referred to in the caput will be set forth in the Manual of Standards for Pix Initiation.

Art. 12. Within the scope of Scheduled Pix and transactions related to Collection Pix for payments with maturities that have been scheduled, the payment service provider of the payer user must send the payment order for settlement on the day informed by its client, between zero hours and eight hours, whenever there are sufficient funds in the payer user's transactional account, respecting the available transactional limit for the respective operation.

§ 1º If the payment order is not sent for settlement at the time scheduled in the caput, due to lack of sufficient funds, the payment service provider of the payer user must:

I - send a notification to its client informing them about the non-settlement of the transaction, as detailed in the Manual of Minimum Requirements for User Experience; and

II - make at least one additional attempt to send the payment order between 18 hours and 21 hours of the same day; and

III - make the last attempt up to 21 hours on the day scheduled for settlement.

§ 2º The provisions of § 1º also apply in the case where the payment order was not sent for settlement due to an operational failure.

§ 3º The payment service provider of the payer user may, at its discretion, attempt to send the payment order for settlement multiple times, provided that the minimum attempts set forth in the caput and in § 1º are respected.

§ 4º If the settlement of the payment order is not effectuated after the last attempt of the day scheduled for settlement, the payment service provider of the payer user must send a notification to its client informing them about the non-settlement of the transaction, as detailed in the Manual of Minimum Requirements for User Experience.

§ 5º If the payment order is not sent for settlement at the time scheduled in the caput, due to lack of available transactional limit, the payment service provider of the payer user must send a notification to its client informing them about the non-settlement of the transaction, as detailed in the Manual of Minimum Requirements for User Experience.

Art. 13. Within the Scheduled Pix product, if the payer user has made recurring schedules for the 29th, 30th, or 31st of each month, the payment service provider of the payer user must send the payment order for settlement on the first day of the following month, if the day scheduled for payment does not exist in the respective month.

Sole paragraph. The date for settlement referred to in the main text may be advanced by the payer user, provided that their payment service provider offers this possibility, as provided for in the Minimum Requirements for User Experience manual.

Art. 14. Within the scope of Scheduled Pix and transactions related to Collection Pix for payments with maturity that have been scheduled, the payment service provider of the payer user must cancel a scheduled payment order if their client requests cancellation up to 11:59 PM on the day immediately preceding the settlement date informed by the client at the time of scheduling.

Art. 15. In the cases provided for in Article 41-B, item III, of the Pix Regulation, the payment service provider of the payer user must return the total resources to the payer user, using their own resources, within 24 hours after the refund request by the payer user.

Art. 15-A. Within the scope of Automatic Pix, the participant payment service provider of the payee user must verify the suitability of their client prior to contracting Automatic Pix, as well as during the validity of the service provision contract, considering, at a minimum: (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

I - the following registration information of the company: (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

a) date of registration in the National Registry of Legal Entities (CNPJ); (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

b) registration status of partners and administrators in the Individual Taxpayer Registry (CPF); (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

c) type of company capital, private or public; (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

d) economic activity according to the National Classification of Economic Activities (CNAE); and (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

e) legal nature; (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

II - the following indicators regarding the company's activity: (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

a) compatibility between the economic activity and the service offered for Automatic Pix; (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

b) number of employees, (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

c) value of share capital; and (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

d) revenue; (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

III - the security information stored in the DICT, in cases where the participant has access to the directory; (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

IV - the history of relationship with the participant, such as account opening time and use of other collection methods, in cases where the participant acts as a transactional account provider; and (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

V - the transactional habituality with the participant. (Included, from 6/16/2025, by Instruction Normative BCB No. 634, of 6/5/2025.)

Art. 16. Instruction Normative BCB No. 436, of December 7, 2023, is hereby repealed.

Art. 17. This Instruction Normative enters into force:

I - on October 28, 2024, regarding the provisions of Articles 1, 12, 13, and 14 and Article 10, item III, producing effects, for the purpose of implementing the minimum user experience requirements regarding Scheduled Pix, from April 1, 2025;

II - on June 16, 2025, regarding the provisions of Articles 2, 3, 4, 5, 6, 7, 8, 9, 11, and 15 and Article 10, item I, item II, and sole paragraph; and

III - on the date of its publication, regarding the provision of Article 16.

RICARDO TEIXEIRA LEITE MOURÃO

NOTE

Decree No. 10,411, of June 30, 2020, provides for the mandatory implementation of regulatory impact analysis (AIR) 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 other documents that integrate, detail, or complement it, do not characterize themselves as regulatory acts of coercive and general force, actually possessing an eminently contractual nature regarding exclusively the participants of this payment arrangement. Thus, modifications promoted in said regulation and in other documents that integrate, detail, or complement it are not subject to the prior production of AIR.