Schedule delays and automatic PIX will only start working in October 2024, says BC

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The initial forecast was that the modality would be enabled in April of next year. With functionality, consumers will be able to carry out automatic operations, with prior authorization, to pay electricity and telephone bills and services such as streaming, for example. With the automatic PIX, recurring payments can be made with a defined periodicity, in which the user will give prior authorization Núbia Pacheco/g1 The Central Bank informed this Wednesday (4) that the automatic PIX should only be launched in October 2024 The preliminary schedule predicted that the service would be available in April of next year. With this modality, customers will be able to make recurring payments, for bills and services, for example (see more details here). The information was released after the 20th plenary meeting of the PIX Forum, which brings together representatives of service providers and end users of payments, among others, was held this Tuesday (3). Through automatic PIX, explained the BC, recurring payments can be made with a defined periodicity, in which the user will give prior authorization. With this, payments will be debited automatically, without the need for specific authentication for each transaction. See examples of what can be paid with automatic PIX: Public services (such as water, energy and telephone); Subscription to services (such as internet, streaming, clubs and news portals, etc.); Payment of monthly fees (such as school, gym, condominium and health plan) and Financial services (such as insurance, loan and consortium installments). According to the BC, the estimated release of the service, from April to October next year, was adjusted “due to the complexity of the product, the time needed for the development of multiple actors, the progress of defining commercial strategies by institutions participating in PIX and BC organizational issues”. Largest PIX made by the end of 2022 was R$ 1.2 billion Channel for complaints The BC reported that the possibility of applications from institutions that offer Pix having a channel was also discussed at the 20th plenary meeting of the PIX Forum for reporting fraud cases. The institution informed that it is preparing the user experience proposal, which will be submitted later this year for consultation by members of the PIX Forum. The proposal is that at first it will be a recommendation, and may become mandatory in the future, explained the institution. “The idea is to speed up the reporting process, maximizing the chances of recovering amounts in possible fraud. Some institutions already offer such functionality, but we want it to be implemented more broadly and with a minimally standardized journey, since digital channels offer a more convenient journey to users than telephone call centers”, explained the senior advisor in the Department of Competition and Financial Market Structure (Decem) of the Central Bank, Mayara Yano. Among the topics discussed, informed the BC, are also the improvement of the operational procedure for communicating to holders of personal data in cases of leakage, the definition of objective criteria on the responsibility of participants in managing the risk of fraud, the possibility of mandatory registration device for carrying out PIX transactions, among others.

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