Normative Instruction BCB No. 581 of December 30, 2024

Resolution No. 222

NORMATIVE INSTRUCTION
BCB NO. 581, OF DECEMBER 30, 2024

Amends the Normative Instruction BCB No. 511, of August 30, 2024, which establishes the procedures necessary for adherence to Pix, to adjust provisions regarding the user institution, Pix Automatic, and resources within the context of Pix adherence processes.

The Head of the Department of Competition and Financial Market Structure (Decem), using the authority granted to him 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 Art. 25-A, § 5º, of the Regulation annexed to Resolution BCB No. 1, of August 12, 2020,

R E S O L V E S:

Art. 1º The Normative Instruction BCB No. 511, of August 30, 2024, shall enter into force with the following alterations:

“Art. 16. ....................................................................................................................

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II - form for intention to offer products and services, according to the model available in Annex I-B;

III - .............................................................................................................................

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c) according to the model available in Annex I-F, if intending to access the DICT indirectly and be an indirect participant of the SPI; and

IV - form for Pix Automatic schedules – Receipt, according to the model available in Annex I-G, if intending to offer Pix Automatic – Receipt.

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

“Art. 19. ....................................................................................................................

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II - form for intention to offer products and services, according to the model available in Annex III-B;

III - .............................................................................................................................

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c) according to the model available in Annex III-E, if intending not to access the DICT; and

IV - form for Pix Automatic schedules – Receipt, according to the model available in Annex I-G, if intending to offer Pix Automatic – Receipt.

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

“Art. 20. ....................................................................................................................

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II - form for intention to consume products and services, according to the model available in Annex IV-B;

III - security self-assessment questionnaire, according to the model available in Annex IV-C, duly signed by the director responsible for cybersecurity policy; and

IV - form for Pix Automatic schedules – Receipt, according to the model available in Annex III-B, if intending to offer the payment transaction initiation service through Pix Automatic – Receipt.

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

“Art. 43. ....................................................................................................................

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§ 3º For the request for the waiver mentioned in § 1º, it is necessary to send a form for updating the intention to offer products and services, through the Digital Protocol, observing the guidelines contained in Annex V.” (NR)

“Art. 53. ....................................................................................................................

I - ...............................................................................................................................

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b) form for updating the intention to offer products and services, according to the model available in Annex I-B;

c) security self-assessment questionnaire, duly signed by the director responsible for cybersecurity policy, according to the model available in Annex I-C, if intending to access the DICT directly and be a direct participant of the SPI, or if intending to access the DICT directly and be an indirect participant in the SPI; or according to the model available in Annex I-F, if intending to access the DICT indirectly and be an indirect participant of the SPI; and

d) form for Pix Automatic schedules – Receipt, according to the model available in Annex I-G, if intending to offer Pix Automatic – Receipt.

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

“Art. 97. ....................................................................................................................

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IV - in the period from March 10, 2025, to April 4, 2025, participating institutions in operation that offer transactional accounts only to legal entity users, and opt not to offer payments via Pix Automatic, must send, to the Decem, through the Digital Protocol, observing the guidelines contained in Annex V, a form for updating the intention to offer products and services, indicating, in an appropriate field, the waiver of offering Pix Automatic.” (NR)

“Art. 98. Participating institutions in Pix that, optionally, wish to offer Pix Automatic from its launch, must send by April 4, 2025, to the Decem, through the Digital Protocol, observing the guidelines contained in Annex V:

I - in case of offering Pix Automatic – Payment, form for updating the intention to offer products and services; and

II - in case of offering Pix Automatic – Receipt, form for Pix Automatic schedules – Receipt, indicating those it intends to offer.

Sole paragraph. The institutions referred to in the caput must comply with the tests referred to in Art. 42 between April 28, 2025, and June 6, 2025.” (NR)

“Art. 106-A. An appeal lies against decisions emanated within the context of the processes:

I - of adherence to Pix;

II - of alteration in the participation modality in Pix;

III - of alteration in the form of access to the DICT and participation in the SPI;

IV - of alteration of responsible participant and liquidating participant; and

V - of alteration in the offering of optional products and services.

§ 1º The appeal referred to in the caput must be presented without fail within 15 days, counted from the day following the communication of the decision to which it is destined.

§ 2º The appeal presented late will be considered null and will not be reviewed.” (NR)

Art. 2º Annex I-B to Normative Instruction BCB No. 511, of August 30, 2024, shall enter into force with the following wording:

“Annex I-B

Form for intention to offer products and services to be offered by institutions, authorized to operate by the Central Bank of Brazil, that intend to participate in Pix in the transactional account provider modality; and
Form for updating the intention to offer products and services by institutions, authorized to operate by the Central Bank of Brazil, already participants in Pix in the transactional account provider modality.


I	Reason for presentation	( ) ( ) ( )	Adherence request Update of products and services offered by a Pix participant in operation, as stipulated in Art. 88 Update of products and services to be offered by an institution adhering to Pix, as stipulated in Art. 88
II	CNPJ Registration
III	Corporate Name
IV	Offers or will offer transactional accounts to end users:		( ) legal entities ( ) natural persons
V	Participates or will participate in Open Finance, optionally, as a holding institution?	( ) ( )	Yes No, the institution is exempt
VI	Offers or will offer payment transaction initiation service within Open Finance, acting as a transaction initiator?	( ) ( )	Yes. In this case, select the initiation forms in item XIV No
VII	Acts or will act as a Facilitator of withdrawal service (Pix Withdrawal and Pix Change)?	( ) ( )	Yes No
VIII	Offers or will offer Pix API1?	( ) ( )	Yes No
IX	Mandatory products and services offered to natural persons (editing or selection prohibited)		• Pix Automatic – Payment • Scheduled Pix; • Pix Key; • Static QR Code Reading; • Dynamic QR Code Reading; and • Pix Billing for immediate payments - generation of static QR Code
X	Optional products and services offered to natural persons	( ) ( )	Pix Billing for immediate payments - generation of dynamic QR Code Pix Billing for payments with maturity - generation of dynamic QR Code
XI	Mandatory products and services offered to legal entities (editing or selection prohibited)		• Scheduled Pix
XI (a)	If offering or intending to offer transactional accounts to end users who are legal entities, do you request a waiver of offering “Pix Automatic – Payment” for this audience?	( ) ( )	Yes No
XII	Mandatory products and services offered to legal entities by participants offering Pix API (editing or selection prohibited)		• Pix Billing for immediate payments - generation of dynamic QR Code • Pix Withdrawal - generation of dynamic QR Code; and • Pix Change - generation of dynamic QR Code
XIII	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 Billing for immediate payments and Generation of static QR Code of Pix Withdrawal3 Pix Billing for payments with maturity – generation of dynamic QR Code Pix Automatic – Receipt
XIV	Optional products offered through payment transaction initiation service by Open Finance participants4	( ) ( ) ( ) ( ) ( ) ( )	Pix Initiation – Manual insertion of the receiving user's transactional account data Pix Initiation – Pix Key Pix Initiation – INIC5 Pix Initiation – QR Code reading Scheduled Pix Initiation Pix Automatic – Receipt Initiation

1 The generation of any type of dynamic QR Code, when offered to legal entity users in an automated manner, must only be performed through the Pix API.

2 The institution that makes transactional accounts available to legal entity users must make available, at minimum, one of the three modalities for performing a Pix (Pix Key, Static QR Code Reading, Dynamic QR Code Reading).

3 If opting to offer the generation of static QR Code to legal entities, the participant is obligated to offer, through this form of initiation, both the functionalities related to Pix Billing for immediate payments products, as well as the functionalities related to Pix Withdrawal.

4 The provision of payment transaction initiation service is optional to transactional account provider participants and available only with prior authorization to exercise the activity, granted by the Central Bank of Brazil, except for cases of waiver provided for in specific regulation. If opting to offer this service, it must indicate, at least, one of the Pix initiation modalities.

5 Corresponds to cases where the transactional account provider providing the initiation service holds the information of the receiving user.

We declare awareness that:

(i) the Central Bank of Brazil reserves the right to request additional information and documents at any time; and

(ii) adherence and subsequent participation in Pix implies acceptance of the rules, conditions, and procedures established in the Pix Regulation.

Name and Position” (NR)

Art. 3º Annex I-D to Normative Instruction BCB No. 511, of August 30, 2024, shall enter into force with the following wording:

“Annex I-D

Form for cadastral update for institutions, not authorized to operate by the Central Bank of Brazil, in the process of adherence or already participants in Pix.


I	Reason for presentation	( ) ( )	Cadastral update of a Pix participant in operation, as stipulated in Art. 88 Cadastral update of an institution adhering to Pix, as stipulated in Art. 88
II	If the reason for presenting the form is a cadastral update, indicate next to it the item(s) to be altered. If it is an adherence request, do not check and skip to item III	( ) ( ) ( )	IV - Corporate Name V - Trade Name VI - Responsible Participant
III	CNPJ Registration
IV	Corporate Name
V	Trade Name
VI	ISPB Code of the responsible participant
VII	Number of active pre-paid payment accounts for clients at the time of the adherence request or update1
VIII	Identification of the director responsible for attending to requests from the Central Bank of Brazil related to issues concerning Pix2	Name: CPF:
IX	Institution's telephone number for matters related to Pix3 (Obs1: Inform at least one telephone) (Obs2: At least one of the telephones informed must be shareable with other Pix participants) (Obs3: Call center telephones or similar will not be accepted)
IX (a)	Telephone 1: Name4:	( )	authorizes sharing with other Pix participants
IX (b)	Telephone 2: Name4:	( )	authorizes sharing with other Pix participants
IX (c)	Telephone 3: Name4:	( )	authorizes sharing with other Pix participants
...	...	...
X	Institution's electronic address (e-mail) for matters related to Pix5 (Obs1: Inform at least one e-mail) (Obs2: Inform at least one e-mail corresponding to a corporate mailbox accessible to more than one user) (Obs3: At least one of the e-mails informed must be shareable with other Pix participants) (Obs4: Consumer service e-mails or similar will not be accepted)
X (a)	E-mail 1: Name6:	( ) ( )	authorizes sharing with other Pix participants corporate mailbox accessible to more than one user
X (b)	E-mail 2: Name6:	( ) ( )	authorizes sharing with other Pix participants corporate mailbox accessible to more than one user
X (c)	E-mail 3: Name6:	( ) ( )	authorizes sharing with other Pix participants corporate mailbox accessible to more than one user
...	....	....

1 The submission of a cadastral update form is waived in cases where the alteration consists exclusively of the amount of active transactional accounts, as stipulated in Art. 88*, caput and § 2º.

2 For cadastral update purposes, the alteration of data related to the director responsible for issues related to Pix participation must be performed, directly in Unicad, by the participating institution or institution in the process of adhering to Pix that already has a Sisbacen code, as stipulated in Art. 89.

3 For cadastral update purposes, the alteration of contacts for matters related to Pix must be requested by means of an e-mail sent to the corporate mailbox pix-operational@bcb.gov.br from a previously informed and registered contact for this same purpose, as stipulated in Art. 91.

4 Fill in with the name of the person responsible for the indicated telephone. If it is not from a specific person, fill in the “Name” field with the term “Institutional”. If the institution wishes to inform more than three telephones, it is exceptionally permitted to insert more lines, named “X (d)”, “X (e)”, and so on.

5 For cadastral update purposes, the alteration of contacts for matters related to Pix must be requested by means of an e-mail sent to the corporate mailbox pix-operational@bcb.gov.br from a previously informed and registered contact for this same purpose, as stipulated in Art. 91.

6 Fill in with the name of the person responsible for the indicated e-mail. If it is not from a specific person, fill in the “Name” field with the term “Institutional”. If the institution wishes to inform more than three e-mails, it is exceptionally permitted to insert more lines, named “XI (d)”, “XI (e)”, and so on.

We declare awareness that:

(i) the Central Bank of Brazil reserves the right to request additional information and documents at any time; and

(ii) adherence and subsequent participation in Pix implies acceptance of the rules, conditions, and procedures established in the Pix Regulation.

Name and Position” (NR)

Art. 4º Annex I-E to Normative Instruction BCB No. 511, of August 30, 2024, shall enter into force with the following wording:

“Annex I-E

Form for updating the intention to offer products and services by institutions, not authorized to operate by the Central Bank of Brazil, in the process of adherence or already participants in Pix.


I	Reason for presentation	( ) ( )	Update of products and services offered by a Pix participant in operation, as stipulated in Art. 88 Update of products and services to be offered by an institution adhering to Pix, as stipulated in Art. 88
II	CNPJ Registration
III	Corporate Name
IV	Offers or will offer transactional accounts to end users:	( ) ( )	legal entities natural persons
V	Offers or will offer Pix API1	( ) ( )	Yes No
VI	Mandatory products and services offered to natural persons (editing or selection prohibited)		• Scheduled Pix; • Pix Key; • Static QR Code Reading; • Dynamic QR Code Reading; and • Pix Billing for immediate payments - generation of static QR Code • Pix Automatic - Payment
VII	Optional products and services offered to natural persons	( ) ( )	Pix Billing for immediate payments - generation of dynamic QR Code Pix Billing for payments with maturity - generation of dynamic QR Code
VIII	Mandatory products and services offered to legal entities (editing or selection prohibited)		• Scheduled Pix
VIII (a)	If offering or intending to offer transactional accounts to end users who are legal entities, do you request a waiver of offering “Pix Automatic – Payment” for this audience?	( ) ( )	Yes No
IX	Mandatory products and services offered to legal entities by participants offering Pix API (editing or selection prohibited)		• Pix Billing for immediate payments - generation of dynamic QR Code • Pix Withdrawal - generation of dynamic QR Code; and • 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 Billing for immediate payments and Generation of static QR Code of Pix Withdrawal3 Pix Billing for payments with maturity - generation of dynamic QR Code Pix Automatic – Receipt

1 The generation of any type of dynamic QR Code, when offered to legal entity users in an automated manner, must only be performed through the Pix API.

Art. 5º Annex I-G is added to Annex I to Normative Instruction BCB No. 511, of August 30, 2024:

“Annex I-G

Form for Pix Automatic schedules – All institutions that opted for offering the product “Pix Automatic – Receipt”


I	CNPJ Registration
II	Corporate Name
III	Schedules offered for the Pix Automatic – Receipt product1	( ) ( ) ( ) ( ) ( )	Schedule 1 (Article 11-Q, § 1º, a) Schedule 2 (Article 11-Q, § 1º, b) Schedule 3 (Article 11-Q, § 1º, c) Schedule 4 – Static QR (Article 11-Q, § 1º, d) Schedule 4 – Dynamic QR (Article 11-Q, § 1º, d)

1 According to Article 11-Q of the regulation annexed to Resolution BCB No. 1, of August 12, 2020.” (NR)

Art. 6º Annex III-B to Normative Instruction BCB No. 511, of August 30, 2024, shall enter into force with the following wording:

“Annex III-B

Form for intention to offer products and services to be offered by institutions, authorized to operate by the Central Bank of Brazil, that intend to participate in Pix exclusively in the initiator modality; and
Form for updating the intention to offer products and services by institutions, authorized to operate by the Central Bank of Brazil, already participants in Pix in the initiator modality.


I	Reason for presentation	( ) ( ) ( )	Adherence request Update of products and services, offered by Pix participants in operation, as stipulated in Art. 88 Update of products and services to be offered by an institution adhering to Pix, as stipulated in Art. 88
II	CNPJ Registration
III	Corporate Name
IV	Optional products offered through initiation service1	( ) ( ) ( ) ( ) ( ) ( )	Pix Initiation – Manual insertion of the receiving user's transactional account data Pix Initiation – Pix Key Pix Initiation – INIC2 Pix Initiation – QR Code reading Scheduled Pix Initiation Pix Automatic – Receipt Initiation3

1 The initiator must make available, at minimum, one of the Pix initiation modalities.

2 Corresponds to cases where the initiating participant holds the recipient user's information.

3 Pursuant to Article 11-Q of the regulation attached to BCB Resolution No. 1, of August 12, 2020.” (NR)

Art. 7. This Normative Instruction enters into force on January 1, 2025.

RICARDO TEIXEIRA LEITE MOURÃO

NOTE

Decree No. 10.411, of June 30, 2020, provides for the obligation to conduct a 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 constitute regulatory acts of binding force, possessing, in truth, an eminently contractual nature. Thus, modifications promoted in the aforementioned regulation and in other documents that integrate, detail, or complement it are not subject to the prior production of an AIR.

RICARDO TEIXEIRA LEITE MOURÃO

Normative Instruction BCB No. 581 of December 30, 2024

Lineage: In force

Timeline