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 until your client accepts or refuses it. An accepted Pix reaches COMPLETED only when the SPI confirms the credit, or REJECTED if the SPI refuses it. The rail refuses a Pix that no decision concludes within its regulatory window.
