Central Bank Of Brazil Announces New Safety Measures For Pix

The Central Bank of Brazil has recently announced a new set of safety rules for Pix, Brazil’s instant payment method. The goal is to increase users’ security and reduce fraud incidents, especially when transactions are made from unregistered devices, protecting both individual users and companies. 

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New Safety Measures For Pix

In this article, we’ll narrow down all the changes so you can stay on top of it all. 

Let’s get started!

Measure #1: Limited Pix Transactions On Non-Registered Devices

One of the new regulations sets limits for transactions made from unauthorized or newly added devices in the system. 

For example, if a user attempts a transaction through a mobile phone or computer that is not previously registered, the maximum amount allowed per transaction will be R$ 200, with a daily limit of R$ 1,000. 

This rule provides an additional layer of security, making unauthorized access more difficult in cases of credential theft or device cloning.

Measure #2: Device Authorization Required For Pix Transactions And Pix Keys

Another relevant measure is the requirement for prior user authorization for a device to perform transactions or register Pix keys. 

This means that, once this regulation is implemented, it will not be possible to use Pix on unknown devices or those not previously validated by the account holder. 

With this measure, the Central Bank aims to prevent criminals, after obtaining login details, from making transactions without the account owner’s knowledge.

Measure #3: Alert System For Atypical Transactions

The Central Bank of Brazil is also creating an alert system that identifies suspicious activities, increasing financial institutions monitoring capacity and effectively detecting atypical transactions.

The alert system is based on data that is crossed between the client’s profile, transaction history, and user behavior. When the activity is considered suspicious, the system can issue an alert and even trigger automatic measures, such as temporarily blocking the transaction or rejecting operations that may indicate fraud. 

💡 Pro Tip: CommerceGate has already implemented a similar alert system in its platform, reinforcing its commitment to staying ahead in the fight against financial fraud.

Measure #4: Precautionary Blocks And Timers

Among the new measures are precautionary PIX key blocks and the use of timers that can prevent the immediate execution of a transaction deemed unusual. This creates a “verification window,” giving the system the opportunity to analyze the situation more thoroughly and confirm whether the transaction is legitimate.

💡 Pro Tip:  CommerceGate proudly adopted this type of security innovation early on, demonstrating its leadership and commitment to remaining at the forefront of payment security.

Final Notes

These new safety measures introduced by the Central Bank of Brazil strengthen security and reduce fraud risks for both users and businesses. 

With limitations on unregistered devices, device authorization requirements, an alert system, and precautionary blocks, Pix is now more protected against unauthorized transactions. As Pix adoption continues to expand, these updates help users transact securely.

CommerceGate’s proactive approach to implementing advanced security measures even before regulatory mandates reflects its dedication to innovation and fraud prevention. This forward-thinking strategy ensures it remains a trusted partner for businesses entering the Brazilian payment landscape.

Protect Your Business And Customers In Brazil With A Trusted Payment Provider

Want to protect your business and customers against online fraud? Then meet Commercegate, your payment advisor in LATAM and Brazil. 

CommerceGate is at the forefront of advancing payment processing in LATAM, providing solutions adapted to the local market with trust and security at the core. Count with: 

• Tailored solutions matching your business needs
• Proprietary PIX flows covering Dynamic and Static QR codes for repeat payments, increasing your Customer Lifetime Value (CLTV) up to +7%
• Advanced PIX Fraud prevention (AML PIX Solution) with a unique QR code created for each individual user’s tax ID, increasing Operational Efficiency up to +13%
• Top-tier security & high authorization rates
• Average transaction time of only 3.7 seconds
• Fully transparent pricing tiers with no hidden fees
• No FX & no IOF (Brazilian tax on financial operations), charged only when converted from R$
• Transparent FX and overseas settlements 
• Superior Customer Service