Because of its speed and practicality, Pix quickly became one of the most used transfer methods in Brazil. Despite this, Pix's popularity has brought with it a growing wave of scams and fraud. Criminals have been exploiting vulnerabilities in the system to take advantage of unsuspecting users.
Pix is a modern way of making transfers and payments, launched in Brazil in November 2020. This instant payment tool, developed by Banco Centraloffers free and fast transfer services, operating 24 hours a day, every day of the week. To use Pix, users can register keys such as email, CPF, or cell phone number with their banks.
How does the Pix scam work?
The Pix scam is an example of a fraud strategy that has become common. The usual procedure involves a criminal making a small transfer to the victim's account. After completing the transaction, the scammer gets in touch, using the victim's phone number found through the Pix key, claiming that the transaction was made in error.
In this contact, the fraudster tries to persuade the victim to return the money to an account other than the one that originated the initial transfer. The deceived victim can make a refund. However, the criminal also files a refund request with the bank, claiming that he was scammed, which often leads banks to reverse the first transfer as well.
What to do if you suspect a Pix scam?
When receiving a Pix that may seem suspicious, the user must take some precautionary measures. Firstly, it is important not to make additional transfers in response to unsolicited contacts. THE Banco Central offers the option of returning amounts received through a specific 'return button' that refunds directly to the original account. Using this feature can help undo a fraud attempt.
What are the new Pix rules?
In an effort to reduce scams, new rules regarding the use of Pix have been introduced. Among the measures, we highlight greater rigor in user authentication and the limitation on transfer amounts at night. In addition, banks are advised to monitor suspicious transactions more closely, identifying typical fraud patterns before allowing transactions to be finalized.
How to use Pix safely and avoid fraud?
To ensure the security of transactions with Pix, it is essential that users are aware of best practices. Here are some tips:
- Stay skeptical: If you receive transfer requests from unknown people, do not respond to them without confirming the origin.
- Check fees: Payments via Pix for individuals must not include fees.
- Smartphone Security: Use PINs and PUKs to protect your device, and avoid storing sensitive information.
- Contact official channels: Be wary of requests for personal data via phone or text, always contact your bank using a secure method.
With these precautions, Pix users can benefit from its advantages, minimizing the risk of falling for fraud or suffering financial losses. Education and awareness are key to protecting yourself in this constantly evolving digital landscape.
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