The Pix instant payment system, developed by the Central Bank of Brazil, underwent significant updates in November 2024, with further changes planned for 2025. Continuously evolving, one of the highlights for the upcoming year is the introduction of Pix Automático, designed to facilitate recurring payments.
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The Central Bank has also implemented measures aimed at enhancing Pix’s security and preventing fraudulent use of instant transfers. These include reduced limits for non-registered devices and increased user awareness efforts. Learn more about these updates and how they could impact your business.
Pix Automático: How It Works and When It Launches
The Central Bank plans to launch Pix Automático on June 16, 2025. This feature will allow users to schedule automatic recurring payments, simplifying everyday transactions such as:
- Utility bills (electricity, water, internet)
- School tuition
- Health insurance
- Streaming service subscriptions
Benefits of Pix Automático
Unlike traditional automatic debit, Pix Automático offers greater user control and flexibility, free of charge. Users can set payment limits and revoke authorization at any time. Authorizing businesses to send periodic payment requests is also straightforward, facilitated through the user’s banking app.
Businesses, though potentially subject to service fees, also stand to benefit. Pix Automático simplifies payment management, reduces missed payments, and helps decrease delinquency rates, making the relationship between businesses and customers more efficient.
Enhanced Security for Non-Registered Devices
In November 2024, stricter limits were introduced for transactions from newly registered devices. These changes aim to curb fraud by limiting potential losses in cases involving new devices, theft, or cloning.
Key limits for new devices include:
- R$200 per transaction
- R$1,000 per day
After an evaluation period that may involve identity verification, facial recognition, or biometric checks, banks can approve higher transaction limits. This process maintains flexibility for those needing to transfer larger amounts while ensuring enhanced security for all users.
Additional Security Measures
To further protect users, the Central Bank has implemented additional anti-fraud measures, including:
- Monitoring unusual transactions to flag deviations from normal patterns, which may require further review to prevent fraudulent transfers.
- Stronger device authentication, such as facial or biometric recognition, security tokens, and multi-factor authentication. These measures limit the potential for financial losses in cases of theft or device loss.
- User education campaigns, focusing on common fraud tactics and simple preventive measures.
By implementing these measures, the Central Bank aims to strengthen trust in the Pix system while safeguarding user assets. Individuals and businesses can also contribute by using strong, unique passwords, keeping banking apps updated, avoiding suspicious offers, and refraining from using public Wi-Fi for financial transactions.
Conclusion: Pix’s Ongoing Evolution in Brazil
The new Pix regulations reflect the Central Bank’s commitment to enhancing the security and efficiency of financial transactions in Brazil. With features like Pix Automático and tighter controls over suspicious transactions, the system continues to become more robust and reliable, enabling users and businesses to fully enjoy Pix’s convenience.
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FAQ – Frequently Asked Questions
Q: What is Pix Automático?
A: Pix Automático allows users to authorize automatic recurring payments, such as utility bills and subscription services.
Q: When do the new Pix rules take effect?
A: Some changes took effect in November 2024, while Pix Automático launches in June 2025.
Q: How can I increase Pix limits on my device?
A: You can request limit increases through your bank’s app after a review period.
Q: How can I avoid Pix-related scams?
A: Follow these guidelines to stay secure:
- Never share passwords or authentication codes.
- Double-check recipient details before confirming transactions.
- Be wary of urgent transfer requests or too-good-to-be-true promotions.
- Avoid using public Wi-Fi for banking apps.
- Enable all available security measures, such as two-factor authentication and transaction notifications.
- Regularly update banking apps to ensure the latest security protections.
