See what changes Pix in installments, under guarantee and digital return are the next launches by the Central Bank to modernize the system and protect users
The Central Bank (BC) announced on Thursday (3) the launch schedule for three new features of Pix, an instant transfer system that has already become essential for individuals, companies and retailers.
The new features include Pix in installments, Pix under guarantee and self-service for refunds in cases of fraud. Each tool has a specific proposal and will be implemented in different timeframes.
Check the estimated dates:
Pix in installments: September 2025;
Pix under warranty: 2026;
Self-Service Returns (SDR): October 1, 2025.
lass=”yoast-text-mark” />>Pix installments will allow the payer list to data to make a see what changes purchase or transfer even without available balance at the time, taking out credit directly in the transaction.
The operation is similar to credit card installments with interest. The recipient receives the full amount immediately, while the payer pays in installments with charges.
According to the Central Bank
this feature should expand the use of Pix in memes, content, and the importance of storytelling commerce, facilitating access to credit for those who do not have a card or available limit. The tool will be available for any type of Pix transaction, including between individuals.
Scheduled to be launched in 2026, Pix as collateral is aimed at companies. The functionality will allow future receivables (amounts to be received via Pix) to be used as collateral in credit operations.
With this companies — especially
small and medium-sized ones — will. Be able to obtain credit with lower interest rates. As they will offer a guarantee linked to their flow of payments via Pix.
The Central Bank reported. That this modality fresh list will be exclusive to legal entities and requires. A more robust technological infrastructure, which is why its implementation will be later than the others.
Refund of amounts due to fraud
Starting October 1, 2025. Users who are victims of fraud or scams when making. A Pix will be able to request a refund directly through the bank’s app, in a simple way and without needing to contact human support.
This is the modernization of the Special Return Mechanism (MED), created in 2021. The new function will make the process 100% digital, allowing real-time monitoring of the status and evolution of orders.
Important: This functionality Will only be valid for proven fraud or financial, Institution failures, and does not apply to cases of user error (such as entering the wrong key) or commercial disagreements.
New standardization of receipts comes into effect
Since April 1st, all banks must adopt different icons on see what changes Pix receipts to avoid scams with false payment confirmations:
Pix Scheduling: must contain. The term “Pix Scheduling” and the clock icon with calendar (calendar clock);
Payment completed: should display the check icon (completed sign).
>The measure seeks to combat the false receipt scam. In which the payer shows a schedule as if it were a payment made. Leading the recipient to deliver goods or provide services without receiving payment.
With the new features
Pix is consolidated as an even more complete system, covering everything from installment purchases to more efficient user protection measures.
For accountants and companies, the new developments can have a direct impact on payment, receipt and credit management strategies. It is important to monitor deadlines and prepare systems and guidelines for clients now.