EndToEndId Validity in Pix — Understanding How It Works

What is the EndToEndId?

The EndToEndId is a unique identifier that accompanies a Pix transaction from start to finish. It is used by the SPI (Instant Payment System) and participating institutions to track, validate, and uniquely identify each payment.

This identifier follows a pattern established by the Bacen Message Catalog, consisting of information such as the institution’s ISPB, the date and time of the operation, and a sequential or random number.

EndToEndId Validity

According to Banco Central rules, the EndToEndId is valid for 12 hours in relation to the transaction’s processing time.

In practice, the date and time field within the identifier follows this format:

yyyyMMddHHmm

These 12 characters represent the date, hour, and minute (UTC) of the submission of the payment order (in case of immediate settlement) or the scheduled submission time to the settlement system (in case of scheduled transactions).

The SPI accepts a maximum tolerance of 12 hours forward or backward in relation to the actual processing time of the order.

How it works in specific cases

1. Immediate Pix (priority settlement)

For transactions sent for immediate settlement, the EndToEndId time must reflect the actual submission time of the payment order.
The SPI will accept the EndToEndId as long as it falls within the 12-hour window relative to the settlement time.

2. Scheduled Pix

In the case of Scheduled Pix, it is not necessary to define the exact settlement time in the EndToEndId.
The recommendation is to set a fixed time within the allowed tolerance window, for example:

Use 3:00 PM (UTC) as the standard time in the EndToEndId for the settlement day.

This ensures that the identifier remains valid even if the settlement occurs at a different time on the same day.

3. Automatic Pix (Pix Pull Request)

For Automatic Pix, the same principle applies.
Even if the request is sent along with the scheduling instruction, the EndToEndId must include the 3:00 PM UTC time on the day the settlement is expected to occur.

This helps prevent rejection errors from the receiving bank due to the identifier’s expiration.

Conclusion

It is not necessary for participants to perform additional validation during Pix receipt.
Stark already performs internal checks on required fields and the expected EndToEndId format in accordance with Bacen rules.

The main point of attention should be during the generation of the identifier, ensuring that the time provided is within the allowed tolerance.

The EndToEndId is essential for Pix transaction traceability and must always comply with the 12-hour validity window established by Bacen.
By following the recommendation to use 3:00 PM UTC for scheduled or automatic transactions, you ensure your operations occur without expiration or rejection errors.

If you have any questions, we’re here to help!