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The popularity of Pix in Brazil is something that cannot be disputed. Growing more and more, the means of payment already records several records. Close to Mother's Day this year, for example, the central bank ed more than 73 million financial transactions carried out. In addition, the amounts settled on this single date exceeded the historic mark of $ 42,1 billion. In total, the country has more than 438.476.845 keys ed in the system of central bank. 6o4g54
Increasingly common in the lives of Brazilians, it is not difficult that mistakes can occur and transfers end up in the wrong s. This can happen when the payer does not correctly check the data of who will receive the amount, for example. But what to do when sending a wrong Pix? And when the opposite happens and we receive a value that we have no idea where it came from? In this article, we answer these and other questions!
Pix in Brazil 1a4w1e
Launched in 2020, the Pix Its main differentials are its speed and availability, as the payment method works seven days a week, 24 hours a day and takes only 10 seconds to complete. It also provides greater security as, because you don't need to as many bank details, it is easier to ensure that a transfer is going to the right person. And to make it even better, it's free for s.
To use the payment method, you must first a Pix key. According to the Central Bank's definition, Pix keys are nothing more than simple "nicknames" used to identify an . That is, they are the representation of your address within the Pix system. The role of Pix keys is to link this data considered basic to the complete information that can identify the customer's transactional (such as financial or payment institution, branch number, number and type).
With the age of time, the central bank announced new features such as the Pix Cash Out and Pix Change. In the case of the first, which has been available since last year, the consumer has the option of making withdrawals at commercial establishments or service providers, in addition to bank posts. That is, the Pix will be able to withdraw money at a bakery, parking lot or ATM. Pix Troco is associated with a purchase or service provision. In this case, the can, for example, make a purchase of BRL 20 at the newsstand and transfer BRL 50 to the establishment, receiving BRL 30 in cash.
Another available mode is the Pix in installments. The rules for it, in particular, are different in each institution: some cover all operations, both purchases and transfers, others only allow payment operations with QR Code or PIX Copy and Paste and others carry out PIX operations in installments via credit card. It is possible that you have never heard about it, since not all financial institutions offer the Pix in installments.
For the future, more news should be announced by the central bank such as Approximation Pix, Offline Pix, International Pix and Auto Debit Pix. In the case of the first, the consumer will be able to pay by approximation, similar to what happens today with credit and debit cards with less technology. already the pix offline will allow people to make transfers even when they have no internet access.
Already International Pix seeks to internationalize Pix, allowing s who do not have an international credit card to make purchases abroad. Finally, the Automatic Debit Pix will allow you to schedule instant payments. The new method has the same function as automatic current debits.
All these facilities have made Pix grew 72% from last year to here in number of s. the amount of ed s went from 29,6 million, in March 2021, to 51 million in March 2022, according to the report Brazilian Federation of Banks (Febraban).
Despite being safer, we are not without problems. There is, for example, the possibility of entering some incorrect data and, in a hurry, not checking properly, ending up depositing an amount in the wrong . There are also those cases of values that arrive in our and we have no idea where it came from, or even who the person who sent it is. In these cases, we bring some tips on what should be done.
What to do when sending a wrong Pix? 1x3vm
Transactions made via Pix occur very quickly, and in up to 10 seconds the money will be in the recipient's . If you have entered any wrong information, it may take a little work to get your money back. However, according to the Centra Bankl, it is possible to get the money back on some occasions through the Special Return Mechanism, MED, a set of rules and procedures for returning Pix.
MED works in specific cases, such as when there is fraud or operational failure in the system of the institutions of the people involved in the transaction. So whoever made Pix by mistake doesn't fit into this money-back mechanism. But it is up to the person to the institution, with all possible information about the other person who received the wrong Pix to report the transfer error.
In short, MED only guarantees the money back in cases where there is an error in the system, which accidentally caused a certain amount to be withdrawn from the or in cases where the person has been the victim of some type of fraud. In this case, the financial institution is responsible for mediating the situation, in order to enforce consumer rights.
If the person has received an improper amount sent by you by mistake, he You have up to 90 days to refund the amount. The procedure can be done through the application of the bank where the money was received, through the option “return this payment”, by clicking on the desired transaction, found on the statement. However, from a legal point of view, she is only obliged to return it if she is notified by the banking institution or the person who sent the money in error.
If the person who sent the money wrongly does not seek the recipient and charge the return, there is no way to supervise and blame the person who received it for spending the amount. She didn't do anything wrong, she just got the money.
Leonardo Watermann, lawyer specializing in crimes against consumers and partner at Watermann Sociedade de Advogados
If the person who has received the undue amount in his does not make the chargeback and the payer s the bank to inform about the accidental remittance, the recipient will be automatically committing the crime of embezzlement, as stated in article 169 of the Penal Code. Also in this sense, if the recipient refuses to refund the money, the best way forward is to file a police report at a police station and file a civil lawsuit to recover the money.
However, the case may become criminal as the police investigation progresses, which will analyze the recipient's life. “From the BO record, the delegate analyzes the case and decides whether or not to open a criminal investigation”, explains lawyer Leonardo Watermann, specialized in crimes against consumers and a partner at Watermann Sociedade de Advogados.
If the person does not comment and does not return the amount even with the , the payer must file the BO and file a lawsuit that can be small claims if it is for amounts less than 20 minimum wages, or a normal action in large amounts . In 90% of cases, regardless of crime or not, to recover the money you have to open a court case. Hard to escape it.
Leonardo Watermann, lawyer specializing in crimes against consumers and partner at Watermann Sociedade de Advogados
Misappropriation has no penalty with imprisonment. This type of crime is usually solved by repairing the damage, in this case, returning the money. “The recipient is notified by the court to return the amount. If the person still refuses to return it, the process continues and there will be a trial.”, explains the lawyer.
I got the wrong Pix. What should I do? 3v5x3s
As explained above, a person who receives money by mistake and does not return it can commit the crime of embezzlement and be sued for it. The ideal is that, when identifying a suspicious amount, that you do not the origin, the financial institution and inform the fact. With this, she must the client who sent it and carry out the negotiations.
Once you have identified the mistake, simply carry out the chargeback through your banking app, using the option “return this payment”, by clicking on the desired transaction, which is on the statement.
What to do to avoid sending the wrong Pix? 5k15z
Transactions made via Pix must be done with great care and attention, with data checking and certification that they are correct. Always check that the Pix key was entered correctly and the other data as well: value, name of the recipient, bank, among others. If you find any difference, do not make the transfer until that data is confirmed by the person/company that will receive the amount. (www.coloradoriveradventures.com)
Another tip has to do with Pix keys. “Give preference to random keys, which at any wrong digit, invalidates the operation”, suggests Rogerio Melfi, representative of ABFintechs and member of the Pix technical group in BC. In the case of F and CNPJ, cell phone and e-mail keys, there is also a warning when the document does not exist or is not ed on Pix. However, if they exist and are active on Pix, there is a risk of sending them wrong.
Using the random key is also positive because it prevents the from sharing personal data when giving the Pix key to someone — which helps to prevent scams. In addition, the Central Bank emphasizes that financial institutions that offer Pix to their customers are responsible for fraud resulting from failures in their own mechanisms, and must create barriers and mechanisms in order to bring more security to s.
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Sources: InfoMoney, Folha de São Paulo.
