Pix payment receipts cannot include advertising, commercial offers, external links or any content unrelated to the transaction, decided the Central Bank (BC). The change was published this Thursday (3) and is part of an update to the system's experience and security rules.
The new rule comes into effect on March 1, 2027. According to the BC, the objective is to ensure that the receipt only has the function of recording and demonstrating the operation carried out. The monetary authority intends to reduce the risk of the document being used to carry out scams.
The update also changes the way in which the user can dispute suspicious transactions through the Special Return Mechanism (MED).
What changes?
From March 2027, receipts issued by institutions that offer Pix will not be able to contain:
advertisements;
advertising;
commercial offers;
hyperlinks;
other content that is not related to the transaction.
In practice, the document should be restricted to the information necessary to identify and prove payment.
For BC, the removal of links and commercial content also reduces the possibility of the receipt being transformed into a path to fraudulent pages.
Dispute will be reviewed
Another important part of the update involves MED, a mechanism used to dispute Pix transactions related to suspected fraud or scams.
The tool has been available in the applications of institutions that offer Pix since October 2025. With the new rules, the BC wants to make the process easier to understand and provide more information so that banks can analyze each occurrence.
The screens displayed to users should present situations in language that is closer to everyday life, allowing the account holder to more easily identify the type of blow suffered.
The MED should also allow:
explain in detail what happened;
contextualize the disputed transaction;
attach documents;
Attach supporting documents to help with the analysis.
This information may be used by both the victim's financial institution and the bank or institution that received the funds.
Validity of the MED
MED is only intended for situations related to fraud and scams involving Pix. It does not function as a general refund mechanism for any issue involving a purchase or transfer.
Therefore, the new user journey should provide guidance when the case presented does not fit the mechanism's rules.
An example of a situation in which the MED is not applicable is a commercial disagreement without fraud, such as:
product that was not delivered on time;
merchandise different from what was expected;
dissatisfaction with a product or service.
In these situations, the user should look for appropriate service channels, instead of using the MED as a request for reimbursement.
Deadlines remain the same
Despite changes in the user experience, the general rules of MED remain the same.
The consumer has up to 80 days from the date of the transaction to request the return of funds in a situation that falls within the mechanism.
After the dispute, the financial institution has up to 11 days to inform the user whether the request was considered valid and the next steps.
The return, however, is not automatic. Among the conditions is the existence of resources available in the account that received the money and acceptance of the dispute by the recipient's financial institution.
Favorite contacts
The Central Bank also created new requirements for the function that allows you to save favorite contacts for payments.
To comply with the requirement, financial institutions must store the Pix key used in the transaction.
Furthermore, the user should receive an alert if the recipient's identification associated with the saved Pix key changes.
The measure seeks to provide more transparency to the user before making new payments to already registered contacts.
When does it start?
The changes announced by the Central Bank come into force on March 1, 2027.
Until then, financial institutions will have to adapt their systems to the new requirements. The update is part of a set of BC measures aimed at improving security, clarity of information and the process for contesting transactions on Pix.
