Currently, PIX – Brazilian Instant Payments is in the process of being
construction by the Central Bank of Brazil (Bacen). Some requirements and specifications still
are being defined.
In view of the above, the technical specifications presented in this document, cannot be considered as definitive. They are subject to updates and evolutions of PIX specifications.
Introduction
PIX – Brazilian Instant Payments is a payment arrangement that is being
built by the Central Bank of Brazil (Bacen).
The objective of PIX is for customers to be able to make financial payments between each other, instantly, using processes and mechanisms that ensure the best experience for end users.
PIX has two main information bases:
- DICT – Directory of Transactional Account Identifiers: contains “nicknames”
associated with Transactional Accounts (current accounts, payment accounts,
salary and other accounts). Such “aliases”, designated as Account Identifiers
Transactional, are created by account holders and are used so that the
Paying Customer can reference the Receiving Customer's account in a
simpler - SPI – Instant Payment System: stores financial data,
instant payments made.
These bases are centralized and operated by Bacen itself.
To access PIX features, you only need to have a bank account
Possible Bacen Error Codes
| Code | Description |
|---|---|
| AB09 | Transaction interrupted due to an error with the recipient user's participant |
| AC03 | The agency number and/or transactional account of the recipient user is non-existent or invalid |
| AC06 | The specified transactional account is blocked |
| AC07 | The transactional account number is closed in the recipient's PSP |
| AC14 | Incorrect type for the specified transactional account |
| AG03 | Transaction type is not supported/authorized for the specified transactional account. E.g., transfer to salary account |
| AM01 | Instant payment order with zero value. |
| AM02 | Payment/devolution order exceeds the limit allowed for the credited transactional account type |
| AM09 | Payment refund exceeds the value of the corresponding instant payment order |
| AM18 | Amount of invalid transactions. |
| BE01 | CPF/CNPJ of the recipient user is inconsistent with the account holder of the specified transactional account |
| BE17 | QR Code rejected by the recipient user's participant |
| CH11 | CPF/CNPJ of the recipient user is incorrect |
| DS04 | Order rejected by the recipient's PSP |
| DS24 | Order rejected due to the elapsed time between the sending of pain.013 and receiving the corresponding pacs.008 by the recipient user's participant |
| ED05 | Error in processing the payment (generic error) |
| RC10 | ISPB of the invalid or nonexistent receiver participant. |
| RR04 | Payment order where the payer user is sanctioned by a United Nations Security Council (UNSC) resolution. If the recipient user is the sanctioned party, the payment order should not be rejected |
| SL02 | The transaction referenced in the original return message (pacs.004) is not related to Pix Withdrawal or Pix Change services |