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Report a Pix that your customer paid in a fraud, and ask DICT to recover the funds.
This flow is a suggested reading of the BACEN manuals for Pix. The manuals prevail over this page. Your institution, as the participant, validates the flow and implements it on the Lerian APIs. See how to read the diagrams.

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Participants

  • Your institution. The Pix participant of the paying customer. It opens the recovery and follows it.
  • Pix Lerian. Keeps the recovery and publishes each change.
  • Lerian SPI. Exchanges the recovery with DICT and reads its changes from DICT.
  • DICT. The BACEN directory. It traces the funds and runs the recovery with the receiving participants.

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Before you start

  • The Pix left an account of your institution in the last 80 days. Keep its end-to-end ID.
  • Your systems receive the Pix Lerian events. See Pix Lerian events.

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Diagram

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Open the recovery

Report a fraud and recover funds: Open the recovery

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Request the refund

Report a fraud and recover funds: Request the refund

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Rules

  • situationType is one of SCAM, ACCOUNT_TAKEOVER, COERCION, FRAUDULENT_ACCESS, OTHER or UNKNOWN. With OTHER, describe the case in reportDetails.
  • A Pix takes one recovery. A cancelled recovery also counts.
  • A recovery is a case at DICT. Its status alone does not show that funds came back.
  • To stop a recovery, cancel it with POST /dict/funds-recoveries/{id}/cancel.

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How you know it finished

Pix Lerian publishes funds_recovery.updated, and GET /dict/funds-recoveries/{id} shows the recovery in COMPLETED.

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What can go wrong

The Pix Lerian error list describes each code.