What it is
Corroborated (authoritative primary) The name and summary are the TransactionType record's own, with its own status. This product is derived by the build from 13 records that already exist (13 corroborated; strongest source class authoritative primary), and the page carries no status, confidence or corroboration of its own.
A Pix paid against a charge the receiving end user prepared through its bank, rather than one the payer keys in. A charge is either for immediate payment, as at a till or an online checkout, or for payment by a due date, where interest, a fine, a discount or a rebate may change what is owed. Once the payer starts paying it the payment runs as an ordinary Pix.
- Anchor
- a lifecycle of its own (4 states)
- Effective since
- 2020-11-03
- Confidence
- high
- Record
pix:txn.pix-cobranca
Its rules, by facet
8 Rules, each in its record's own words with its own status. A rule reached only through the authorisation says so; a rule that also applies to another transaction type names it.
Finality 1
Pix Cobranca: one payment per charge, and a transaction identifier used once Corroborated (authoritative primary)
A charge is active until paid or removed. When a Pix carrying its transaction identifier arrives it becomes concluded, which is final: it takes no further payment and can be neither changed nor removed. Concluded speaks of the charge, not of the debt behind it. While active, the business may change a charge, and a new read of the QR code shows the change, or remove it, and a payer who then reads it must be told it was deleted. A dynamic QR code may mark itself as single use in BR Code field 01. The transaction identifier of a charge must be unique for that receiver at that bank and is never reused, not even after the charge was removed; it is 26 to 35 letters and digits. So an attempt that did not complete may be retried on the same still active charge, while a new charge always needs a new identifier.
Rests on rule. Confidence high. pix:rule.cobranca-a-charge-takes-one-payment-and-an-identifier-is-never-reused
Settlement 1
Pix Cobranca: who computes interest, fines, discounts and rebates Corroborated (authoritative primary)
The payee's bank computes the amount due on a due date charge, from the terms the business set when it created the charge (how any rebate, discount, interest and fine is calculated) and the payer's municipality and intended payment date. The charge the payer's app fetches always carries the final amount, which is compulsory, beside optional figures for the original amount, rebate, discount, interest and fine; where all of those except the original are zero the app shows only the final amount. So there is no case in which the app has to fall back to the original amount: a charge without a final amount does not meet the standard. A charge may not be built so that its discount could exceed the original amount.
Rests on rule. Confidence high. pix:rule.cobranca-the-payees-bank-computes-the-final-amount
Hours 3
Pix Agendado and scheduled due date charges: the settlement window and the evening retry Corroborated (authoritative primary)
A Pix the payer schedules for a date, and a charge with a due date that the payer chose to schedule, are sent for settlement on that date between 00:00 and 08:00 if the balance and the limit allow. If the balance is short, or an operational failure intervened, the payer is told and the bank tries at least once more between 18:00 and 21:00, with 21:00 the last moment. If the limit is what is short, the payer is told. The payer can cancel such a scheduled payment up to 23:59 on the day before. The difference from Pix Automatico is who is in charge: here the payer set the date and the amount, and no business sends instructions or retries on later days.
Rests on rule. Confidence high. Also applies to Pix Agendado (scheduled Pix). pix:rule.agendado-and-scheduled-charges-settle-00-to-08-with-an-evening-retry
Pix Cobranca: due date, grace period and the payer's holidays Corroborated (authoritative primary)
A due date charge must carry its due date, payable at any hour of that day, and a number of calendar days after it during which it can still be paid late. If either date falls on a weekend or on a holiday where the payer is, it moves to the next business day, and every date built on it (the grace period, the discount dates, when interest and the fine start) moves with it. The holidays that count are the payer's state and municipal ones: when the payer's app fetches the charge it sends the payer's IBGE municipality code and the date the payer means to pay, and the payee's bank uses them to price the charge. If the municipality is not sent the payee's bank assumes no state or municipal holiday applies; if the intended date is not sent it assumes the due date, or the day of the query once the charge is overdue. The manual names no list of holidays to consult.
Rests on rule. Confidence high. pix:rule.cobranca-a-due-date-charge-rolls-to-the-payers-next-business-day
Pix Cobranca: how long an immediate charge stays payable Corroborated (authoritative primary)
An immediate charge is payable for the number of seconds its creator sets in the expiry field, counted from when it was created, and for 24 hours (86400 seconds) if the creator sets nothing. The receiving end user sets it through its bank's API Pix when it creates the charge. After it expires, the payee's bank may answer a request for the charge with an HTTP status that says so, such as 410 or 404, and the paying bank's reader has nothing to pay.
Rests on rule. Confidence high. pix:rule.cobranca-an-immediate-charge-lives-24-hours-by-default
Messages 2
Pix QR codes: a static code's identifier is the receiver's to keep consistent Corroborated (authoritative primary)
The payee's bank cannot stop a transaction identifier repeating on static QR codes, because they are made without the API Pix and it never sees them. Sometimes repeating it is the point, as with a fixed code at a counter with no amount; sometimes it must not repeat, as with a code printed for one sale. Keeping payments on static codes consistent is left entirely to the receiver, and the API Pix only returns the payments that arrived with a given identifier. The identifier reaches the payee's bank on the pacs.008.
Rests on rule. Confidence high. pix:rule.cobranca-a-static-code-leaves-reconciliation-to-the-receiver
Pix QR codes: static, dynamic and composite Corroborated (authoritative primary)
A static QR code carries everything inside the image: a DICT key, which is compulsory, and optionally a transaction identifier, free text, an amount and a withdrawal facilitator. A dynamic QR code carries the key and a URL at the payee's bank; the charge itself, with amount, identifier and the rest, is fetched from that URL when the code is read, so it can change over time and must be validated and queried after reading. A composite QR code adds a second URL pointing at Pix Automatico recurrence terms, with or without a static or dynamic charge alongside it. All three follow the BR Code layout, and a payer's app that cannot fetch the recurrence part must fall back to paying the rest as it would a plain code.
Rests on rule. Confidence high. Also applies to Pix Automatico. pix:rule.cobranca-static-dynamic-and-composite-qr-codes
Participants 1
Pix Cobranca: a charge for immediate payment or for payment by a due date Corroborated (authoritative primary)
Pix Cobranca lets a receiving end user prepare and collect charges through its bank. An immediate charge is for business where payment happens when the charge is issued, such as a till or an online checkout. A due date charge can be paid later and can carry interest, a fine, other additions, a discount and other rebates. Once the payer starts paying a charge it becomes an ordinary Pix. Offering Pix Cobranca to receivers is optional for a participant, apart from the duty to give natural person customers a static QR code, but every account provider must be able to read a Pix Cobranca QR code and start a payment from it, and must let a payer schedule a due date charge for a future date. A payment initiator may choose not to read them. Contactless initiation of a charge is optional and, where offered, follows the manual from 2025-12-01.
Rests on rule. Confidence high. pix:rule.cobranca-immediate-and-due-date-charges