{"id":12183,"date":"2025-10-01T09:19:42","date_gmt":"2025-10-01T12:19:42","guid":{"rendered":"https:\/\/fenati.org.br\/?p=12183"},"modified":"2025-10-01T11:28:23","modified_gmt":"2025-10-01T14:28:23","slug":"pix-tera-ferramenta-agilizar-combate-golpes-coercao","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/pix-tera-ferramenta-agilizar-combate-golpes-coercao\/","title":{"rendered":"Pix ter\u00e1 ferramenta para agilizar combate a golpes e coer\u00e7\u00e3o"},"content":{"rendered":"<p><strong>Pix &#8211;<\/strong> O Pix ganhou mais uma fun\u00e7\u00e3o que busca melhorar \u00e0 prote\u00e7\u00e3o dos usu\u00e1rios: o chamado \u201cbot\u00e3o de contesta\u00e7\u00e3o\u201d \u2013 oficialmente denominado autoatendimento do Mecanismo Especial de Devolu\u00e7\u00e3o (MED). A partir desta quarta-feira (1\u00ba), ele estar\u00e1 dispon\u00edvel nos aplicativos das institui\u00e7\u00f5es financeiras para ser usado em situa\u00e7\u00f5es de fraude, golpe ou coer\u00e7\u00e3o.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/super-ricos-menos-imposto-de-renda-classe-media-2009\/\"><strong>LEIA: Super-ricos pagam menos Imposto de Renda que classe m\u00e9dia desde 2009<\/strong><\/a><\/p>\n<h4>Como funciona<\/h4>\n<p>Segundo Breno Lobo, Chefe Adjunto do Departamento de Competi\u00e7\u00e3o e de Estrutura do Mercado Financeiro (Decem) do <a href=\"https:\/\/pt.wikipedia.org\/wiki\/Banco_Central_do_Brasil\">Banco Central<\/a> (BC), a ferramenta foi criada para tornar mais \u00e1gil a contesta\u00e7\u00e3o de uma transa\u00e7\u00e3o Pix, agora feita totalmente de forma digital. A medida reduz a necessidade de contato humano e acelera o bloqueio de recursos na conta de quem cometeu o golpe, aumentando a probabilidade de devolu\u00e7\u00e3o.<\/p>\n<p>&#8220;Ao contestar a transa\u00e7\u00e3o, a informa\u00e7\u00e3o \u00e9 instantaneamente repassada para o banco do golpista, que dever\u00e1 bloquear os recursos em sua conta, caso existam. Valores parciais podem ser bloqueados tamb\u00e9m. Depois do bloqueio, ambos os bancos t\u00eam at\u00e9 sete dias para analisar a contesta\u00e7\u00e3o. Caso concordem que se trata realmente de um golpe, a devolu\u00e7\u00e3o \u00e9 efetuada diretamente para a conta da v\u00edtima. O prazo para essa devolu\u00e7\u00e3o \u00e9 de at\u00e9 onze dias ap\u00f3s a contesta\u00e7\u00e3o&#8221;, disse Breno Lobo, chefe adjunto do Departamento de Competi\u00e7\u00e3o e de Estrutura do Mercado Financeiro (Decem) do BC.<\/p>\n<p>O Banco Central destaca, no entanto, que a funcionalidade n\u00e3o se aplica a disputas comerciais, desist\u00eancia de pagamento ou erros no envio \u2013 como digitar a chave Pix incorretamente \u2013 nem a transa\u00e7\u00f5es realizadas com terceiros de boa-f\u00e9. Seu uso \u00e9 restrito a situa\u00e7\u00f5es de fraude, golpe e coer\u00e7\u00e3o.<\/p>\n<p>O lan\u00e7amento do \u201cbot\u00e3o de contesta\u00e7\u00e3o\u201d integra um conjunto de medidas do Banco Central para refor\u00e7ar o Mecanismo Especial de Devolu\u00e7\u00e3o (MED). Esse instrumento j\u00e1 vinha sendo utilizado para restituir valores a v\u00edtimas de crimes envolvendo o Pix, dentro do sistema de pagamentos instant\u00e2neos criado pela institui\u00e7\u00e3o.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de Ag\u00eancia Gov)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Freepik\/EyeEm)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Novo bot\u00e3o poder\u00e1 ser usado quando usu\u00e1rios realizarem Pix \u00e0 for\u00e7a e em transa\u00e7\u00f5es fraudulentas<\/p>","protected":false},"author":11,"featured_media":12184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[13],"class_list":["post-12183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pix ter\u00e1 ferramenta para agilizar combate a golpes e coer\u00e7\u00e3o - 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