{"id":2637,"date":"2026-02-05T19:35:08","date_gmt":"2026-02-05T22:35:08","guid":{"rendered":"https:\/\/gazetapernambucana.com\/?p=2637"},"modified":"2026-02-05T19:35:08","modified_gmt":"2026-02-05T22:35:08","slug":"nova-regra-do-pix-entra-em-vigor-hoje-entenda-como-funciona","status":"publish","type":"post","link":"https:\/\/gazetapernambucana.com\/?p=2637","title":{"rendered":"Nova regra do Pix entra em vigor hoje: entenda como funciona"},"content":{"rendered":"

A partir desta segunda-feira (2), entra em vigor a nova regra de seguran\u00e7a do Pix implementada pelo Banco Central, que visa facilitar a recupera\u00e7\u00e3o de valores em casos de golpes, fraudes ou coer\u00e7\u00e3o. O destaque da mudan\u00e7a \u00e9 o\u00a0Mecanismo Especial de Devolu\u00e7\u00e3o (MED)<\/strong>, que passa a ser obrigat\u00f3rio para todos os bancos e institui\u00e7\u00f5es de pagamento que operam o Pix.<\/p>\n

O MED permite rastrear transfer\u00eancias suspeitas e devolv\u00ea-las mesmo quando o dinheiro j\u00e1 tenha sido enviado para outras contas intermedi\u00e1rias. Com a atualiza\u00e7\u00e3o, as institui\u00e7\u00f5es financeiras poder\u00e3o compartilhar informa\u00e7\u00f5es sobre o caminho percorrido pelos recursos, aumentando as chances de\u00a0bloqueio e devolu\u00e7\u00e3o do dinheiro em at\u00e9 11 dias<\/strong>\u00a0ap\u00f3s a contesta\u00e7\u00e3o da transa\u00e7\u00e3o.<\/p>\n

Como funciona na pr\u00e1tica<\/h3>\n
    \n
  1. \n

    O cliente que suspeitar de um golpe deve acionar imediatamente o banco ou institui\u00e7\u00e3o de pagamento por aplicativo ou canais oficiais.<\/p>\n<\/li>\n

  2. \n

    A institui\u00e7\u00e3o de origem comunica a institui\u00e7\u00e3o que recebeu o valor em at\u00e9 30 minutos.<\/p>\n<\/li>\n

  3. \n

    A conta do suposto golpista \u00e9 bloqueada.<\/p>\n<\/li>\n

  4. \n

    Ambas as institui\u00e7\u00f5es analisam o caso.<\/p>\n<\/li>\n

  5. \n

    Se a fraude for confirmada, o valor \u00e9 devolvido em at\u00e9 4 dias.<\/p>\n<\/li>\n

  6. \n

    Caso n\u00e3o haja ind\u00edcios de golpe, o dinheiro \u00e9 liberado ao recebedor.<\/p>\n<\/li>\n<\/ol>\n

    A novidade \u00e9 que, se os recursos forem transferidos para outras contas, o\u00a0Banco Central viabiliza o rastreamento dessas movimenta\u00e7\u00f5es<\/strong>, permitindo que a devolu\u00e7\u00e3o seja realizada mesmo que o dinheiro tenha chegado a terceiros. O sistema tamb\u00e9m permite comunica\u00e7\u00e3o quase instant\u00e2nea entre institui\u00e7\u00f5es financeiras e \u00f3rg\u00e3os de seguran\u00e7a, aumentando a efici\u00eancia do processo.<\/p>\n

    Mais seguran\u00e7a e agilidade<\/h3>\n

    Criado em 2021, o MED \u00e9 considerado um dos pilares de seguran\u00e7a do Pix. Desde outubro de 2025, os bancos passaram a oferecer o pedido de devolu\u00e7\u00e3o por\u00a0autoatendimento nos aplicativos<\/strong>, sem necessidade de contato humano, tornando o processo mais \u00e1gil.<\/p>\n

    Especialistas estimam que a atualiza\u00e7\u00e3o pode\u00a0reduzir em at\u00e9 40% o n\u00famero de fraudes bem-sucedidas<\/strong>. Al\u00e9m disso, as institui\u00e7\u00f5es adotar\u00e3o crit\u00e9rios mais rigorosos para identificar transa\u00e7\u00f5es suspeitas e bloquear opera\u00e7\u00f5es com ind\u00edcios de golpe.<\/div>\n","protected":false},"excerpt":{"rendered":"

    A partir desta segunda-feira (2), entra em vigor a nova regra de seguran\u00e7a do Pix implementada pelo Banco Central, que visa facilitar a recupera\u00e7\u00e3o de valores em casos de golpes, fraudes ou coer\u00e7\u00e3o. O destaque da mudan\u00e7a \u00e9 o\u00a0Mecanismo Especial de Devolu\u00e7\u00e3o (MED), que passa a ser obrigat\u00f3rio para todos os bancos e institui\u00e7\u00f5es de […]<\/p>\n","protected":false},"author":1,"featured_media":2638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[37,1,38],"tags":[],"class_list":["post-2637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-https-gazetapernambucana-com-page_id212","category-https-gazetapernambucana-com-page_id225","category-https-gazetapernambucana-com-page_id215"],"yoast_head":"\nNova regra do Pix entra em vigor hoje: entenda como funciona -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/gazetapernambucana.com\/?p=2637\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nova regra do Pix entra em vigor hoje: entenda como funciona -\" \/>\n<meta property=\"og:description\" content=\"A partir desta segunda-feira (2), entra em vigor a nova regra de seguran\u00e7a do Pix implementada pelo Banco Central, que visa facilitar a recupera\u00e7\u00e3o de valores em casos de golpes, fraudes ou coer\u00e7\u00e3o. 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