Multiple partial returns in the Pix Chargeback Flow

Context

Following the response to a Pix Infraction, the Pix Chargeback process must be initiated. This consists of the return (when possible) of the amount related to the fraudulent transaction. In the Pix Chargeback process, the need for successive partial returns may arise, whether due to immediate lack of balance or operational agreements between the involved parties. This procedure is provisioned for by the Central Bank's regulation, but there are important points that must be observed to ensure compliance.

According to the Bacen (Central Bank of Brazil) norms, it is permitted to perform multiple partial returns until the full chargeback amount is reached or up to the limit of 90 days from the date of the original transaction.

It is essential to understand that the Pix Chargeback is unique:

• Once sent and responded to, it will be closed with the closed status.
• After closure, it is not possible to reopen or use the same Pix Chargeback for new returns.
• In other words, the continuous partial return flow does not happen within the MED (Mechanism for Special Return) itself.

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How to Proceed

Given this limitation, the recommendation is:

• Maintain an internal process for monitoring the account for up to 90 days after the infraction is opened.
• If a balance becomes available during this period, the return must be performed outside the MED flow, via a direct transfer to the receiving PSP (Payment Service Provider) (or as agreed between the parties).

The possibility of multiple partial returns exists, but the monitoring needs to be done manually and controlled by the institution, since the MED flow does not support continuous interactions. This ensures regulatory compliance and transparency in dealings with other participants.

If you have any questions, please contact our support team!