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The Central Bank Prohibited Advertisements, Offers, and Links on Pix Receipts Starting March 1, 2027, to Close Loopholes for Scams Involving Fake Receipts. The Package Simplifies the Special Refund Mechanism, Maintains a Contestation Period of 80 Days, and Creates an Alert When Data from Saved Favorite Keys Changes.
The Central Bank has determined that, starting March 1, 2027, financial institutions nationwide are prohibited from including advertisements, links, or commercial offers on Pix payment receipts. This decision aims to eliminate the loopholes exploited by criminals in fake files and standardize the receipt as a formal record of transfer. In the same package, the Central Bank approved rules to facilitate refunds in case of scams and enhance the verification of keys saved as favorites.
These details come from a report by Maiara Baloni published by NSC Total on September 4, 2026, with editing by Luiz Daudt Junior. The change affects the model adopted in recent years by banks and fintechs, which turned the final screen of transactions into an advertising space.
Pre-approved Loans, Installment Options, and Coupons: What Currently Appears Below the Recipient’s Information
Today, it is common to find, just below the recipient’s information, advertisements for pre-approved loans, Pix installment options, insurance, and even discount coupons from partner stores, according to NSC Total. The receipt has ceased to be just a receipt and has turned into a showcase.
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Scammers Copied Ad Formats in Altered Receipts
This practice opened doors to digital fraud. Scammers began to simulate the same commercial formats in altered receipts sent via messaging apps.
By clicking buttons that promised benefits, cash back, or rewards, victims were led to cloned pages created to capture personal data and banking passwords, according to the report.
Starting in 2027, Receipts with Buttons or Links Will Be Considered Outside the Standard and Must Be Treated as Suspicious
With the ban, the reference for users will be simpler. Any Pix receipt containing offers, interactive buttons, or external links from 2027 will fall outside the official standard.
In practice, a receipt with advertisements will stand as a warning sign by itself and should be treated immediately as suspicious, according to NSC Total.
Special Refund Mechanism Adopts Simple Language and Document Submission in the App
The package also modifies the Special Refund Mechanism (MED), a resource created by the Central Bank to attempt to recover money for victims of Pix fraud.
Banking apps will need to replace technical terms with simple, direct guidance. Customers will be able to report fraud through guided steps within the app and attach documents and evidence right at the beginning of their request.
80-Day Contestation Period and 11-Day Review Period for Banks Remain
The deadlines remain unchanged: contestation requests can be submitted up to 80 days after the fund transfer, and banks have 11 days to review the case, according to the report.
Recovery Depends on Fraud Proof and Available Balance in Destination Account
The return of funds is contingent on two requirements: proof of fraud and the presence of an available balance in the destination account. Without money in the fraudster’s account, the mechanism has nothing to return, even if fraud is recognized.
Favorite Keys: Alert on the Screen Whenever Holder’s Data Changes
The new guidelines extend to the list of saved favorite Pix keys in banking apps. The banking system must issue an alert on the screen whenever there is any discrepancy or change in the holder’s details for a registered key.
Rule Targets Cancelled Cell Phone Numbers and Emails Transferred to New Owners
The purpose of the alert, according to NSC Total, is to prevent mistakenly transferring funds to keys linked to cancelled cell phone numbers or emails that have been passed on to new owners. A key saved for years might now belong to someone else, and the automatic warning will indicate this before confirmation.
Until March 2027, Recommendation is to Check Name and CPF and Ignore Links in Files
While these measures are not yet in effect, security continues to rely on consumer vigilance. The recommendation, according to the report, is to check the name and CPF or CNPJ of the recipient before confirming the transfer and to ignore links contained in files received via messaging.
Starting on March 1, 2027, Pix receipts will circulate without advertisements, offers, or links, adhering to the new standard set by the Central Bank.
In your opinion, will the ban on advertisements in Pix receipts genuinely reduce scams, or will criminals simply switch to another format of fake receipt? Share your thoughts in the comments.
