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Central Bank Published Resolution BCB 493 This Thursday, August 28, 2025, with Automatic Dispute in the App and Tracking the Path of Money to Reinforce Pix Refunds.
The new Pix update targets a recurring issue: the difficulty in recovering funds after scams and frauds. Under the new Central Bank Resolution BCB 493, the Special Refund Mechanism (MED) will now include direct dispute options in the app and tracking of transfers to locate diverted resources. The proposal is to reduce response time and increase the effectiveness of refunds.
Currently, the MED focuses on the first account that received the scam funds. However, criminals often quickly disperse the money, which limited the refund process. With the new tracking, institutions will be able to identify subsequent transfers and block funds based on this mapping, increasing the chances of reimbursement for the victim.
In addition to technical changes, the Central Bank indicates that the sharing of information between banks should deter the recurring use of shell accounts and facilitate the deactivation of accounts involved in fraud. The agency also emphasizes that the MED remains the official channel for victims of scams, frauds, and coercion.
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New Pix Rules Announced by the Central Bank: What Changes in the MED in Practice
The first visible change for users is the automatic dispute. Pix participants will need to offer, directly in the app, a guided flow to dispute suspicious transactions without relying on conversations with customer service. This standardizes steps, collects evidence, and generates a protocol for tracking the case.
The second front is the tracking the path of money. Instead of only looking at the original receiving account, the MED will now map intermediary accounts through which the funds circulated, sharing this information with the involved institutions. From this tracking, refunds can occur within 11 days after the dispute.
According to the Central Bank, the expectation is to increase the refund rate and reduce the attractiveness of scams on Pix, while making it easier to block accounts used by criminal organizations. For the user, this means greater predictability and a standardized channel to request their money back.
Dates and Timeline for the New Pix Rules
The automatic dispute feature is expected to appear in apps starting from October 1, 2025. In practice, the “dispute” button within the bank and fintech Pix environment will become a regulatory requirement, speeding up the case initiation process. Mark this date on your calendar.
The tracking the path of money will be introduced as optional functionality on November 23, 2025, allowing institutions to anticipate its adoption while finalizing technical and operational adjustments.
Starting from February 2, 2026, tracking will become mandatory for all participants in the Pix arrangement, consolidating the new MED phase and standardizing the refund experience across banks. This is the central regulatory milestone of the change.
How to Dispute a Pix in the App
As soon as you identify a scam, fraud, or coerced transaction, access your bank’s app and look for the Pix section. The new option “dispute transaction” will be available in the Pix environment and will guide you through the request submission, with objective questions and evidence collection, such as screenshots and a description of what happened.
Once the request is submitted, the system generates a protocol for tracking. The institution analyzes the case and, when applicable, the MED triggers blocks and the new tracking between accounts. The refund period can be up to 11 days after the dispute, depending on the identified flow and the availability of funds.
Important: the MED has its own rules and deadlines. The official guidance remains to report the scam as soon as possible. The Central Bank reminds that the MED is designed to increase the chances of recovering funds but does not replace basic preventive practices. The sooner you act, the greater your chances of success.
Central Bank Will Track the “Path of Money” and Refund Within 11 Days
With Resolution 493, the MED gains support to map subsequent transactions, which until now was a gap exploited by criminals redistributing funds among shell accounts. The mapping generates a trail that guides blocks and communication between banks to enable refunds.
This structured sharing of information between institutions is key. By following the money across multiple levels, the system reduces the likelihood that the first account has no funds when the victim files the request. The goal is to increase the effectiveness of the MED and disrupt recurring fraud routes.
The window of up to 11 days after the dispute seeks to balance speed and security in analysis. However, there may still be partial refunds when the balance found does not cover 100 percent of the value. Transparency regarding the progress and any limitations will be part of the new flow in the app.
Conversa fiada. Mais uma narrativa. Eles só falam em controle. Querem controlar tudo
Agora fica a dúvida. Digamos que o g0lpista use o dinheiro em um serviço legítimo. Quem recebe vai ficar com prejuízo?