The new rule that facilitates the return of improper Pix transfers is now in force and aims to make it more difficult for scammers to act.
The Special Return Mechanism (MED) allows you to track the money if other transfers are made to mask the origin of the amount.
For now, the service is optional for banks and payment institutions. From February 2, 2026, it will become mandatory for everyone.
How it worked
With the new rule in effect, It will be possible to return the money from other accounts, not just the one used in the fraud.
The information will be shared with the participants involved in the transactions and will allow the return of funds within 11 days after the dispute, according to the BC.
Previously, the return of funds was only made from the account originally used in the fraud. The problem is that fraudsters, in general, quickly withdraw funds from the account that received the money and transfer them to others.
Therefore, when the customer made a complaint and asked for a refund, the most common thing is that the account was already empty.
About MED
In existence since 2021, the Special Return Mechanism can only be used in proven cases of fraud or operational errors by the financial institution.
The tool cannot be used for commercial disagreements, cases between bona fide third parties and sending Pix to the wrong person due to an error on the part of the paying user (such as typing a key error).
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