The changes include restrictions on financial amounts transferred to new devices, such as newly registered cell phones, as well as the use of a database that identifies accounts suspected of fraud.
With these measures, the objective is to guarantee a safer Pix, protecting example of phone number in philippines transactional data and limiting fraudsters' access to the instant payment system.
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Changes to transaction limits for new mobile phones and computers
The Central Bank has set an initial limit of R$200 per transaction for new Pix users or for those who choose to change their cell phone or access device. The maximum daily amount will be R$1,000 until the new device is registered with the bank, a necessary step to increase the protection of users' financial assets. According to the Central Bank, this restriction will make it more difficult for fraudsters who obtain transactional or login data to access large amounts.
Furthermore, device registration should only be carried out via the bank or financial institution's official app, avoiding communications via SMS or email. In this case, any other attempt at external contact is potentially fraudulent and should be ignored.
Another important measure will be financial institutions’ access to a centralized database with information on suspicious accounts. Before releasing a transaction via Pix, banks will be able to consult this Central Bank database, blocking transactions in accounts with a history of fraudulent activity. This action can reduce the number of accounts targeted by fraud, making the system more secure.
According to experts, consulting the database will allow financial institutions to respond faster and more accurately in real time, minimizing financial losses for users. The intention is to protect all transactional data and ensure that operations via Pix key occur more securely.