The ICOM consumer receives signed ISO 20022 messages from BACEN over the RSFN and passes them to the rail’s authenticated internal ingress. A credit-transfer message (pacs.008) carries an inbound Pix. A status reply (pacs.002) reports a payment you sent. A return message (pacs.004) carries a devolução.
The rail validates each inbound message before it applies it. An outbound payment stays open until its pacs.002 arrives. That reply applies COMPLETED or REJECTED. The rail records an inbound pacs.008 as pending. The authenticated client’s funding decision completes or refuses it. The rail records BACEN’s fields verbatim.
