The pixel rules change as of November

Starting November 1, Pix will have stricter rules to ensure transaction security and prevent fraud. Transfers worth more than R$200 can only be made from a phone or computer that has been previously registered by the financial institution’s customer, with a daily limit of R$1,000 for unregistered devices..

The Central Bank (BC) clarifies that the registration requirements will only apply to mobile phones and computers that have never been used to make Pix. For current devices, nothing will change.

Read more: Will new devices have minimums on Pix? Understanding the new BC rules

In addition to this new feature, financial institutions will have to improve security technologies. They must adopt fraud management solutions capable of identifying unconventional Pix transactions or those inconsistent with the customer profile, based on security information stored at the central bank.

Organizations will also have to inform customers, via a widely accessible electronic channel, of precautions to avoid fraud. They must also check, at least every six months, whether customers have signs of fraud in the central bank’s systems.

BC informed that these measures will allow financial institutions to take specific actions in the event of suspicious transactions or transactions outside the customer’s profile. It may increase the time for suspicious clients to initiate transactions and block incoming Pix with caution. In the event of strong suspicion or proof of fraud, organizations may terminate the relationship with the customer.

Auto pixel

BC recently announced that Pix Automatic will be launched on June 16, 2025. In development since the end of last year, the method will facilitate recurring charges from businesses, such as public service providers (water, electricity, telephone, gas), companies in the financial sector, schools, colleges, gyms and residential units. Health plans, streaming services, and subscription clubs.

Through Pix Automatic, the user will allow automatic charging via their cell phone or computer. Resources will be deducted periodically, without requiring authentication (such as passwords) for each operation. According to BC, Pix Automático will also help reduce companies’ costs, making billing procedures cheaper and reducing defaults.