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Undone Pix (Reversals)

When performing a Cash-out transaction via Pix, situations may occur where the transfer is not successfully completed even after the payment order has been initiated. In these cases, an Undone Pix (or reversal) of the transaction takes place.

When a Pix is undone, the transaction amount is fully returned to the origin account (the account that initiated the Cash-out).

Common Reasons for an Undone Pix​

The Pix ecosystem involves multiple security validations and business rules, both on the payer's and receiver's side. The most common reasons for a Pix to be undone include, but are not limited to:

  • Inconsistent receiver data: Especially in Manual Pix transactions (manual insertion of bank account data), the agency, account, or Tax ID (CPF/CNPJ) informed might be incorrect or belong to a different entity.
  • Destination account restrictions: The beneficiary's account may be blocked, inactive, closed, or hold some form of restriction within the receiving PSP (Payment Service Provider) preventing the receipt of funds.
  • Validation flow errors: Intermittent communication failures in the Instant Payment System (SPI) or inconsistencies during internal validation by the institutions involved.
  • Transaction rejected by the receiver: In specific cases involving the receiving rules of the destination PSP.

Impact on Usage Limits​

A common question in instances of transfer failure is the impact it bears over your account's operational limits.

Limits are not consumed

Because the transaction was not effective and the balance was successfully returned to the origin account, it is important to note that when an Undone Pix occurs, your Usage Limit is not consumed.

The amount corresponding to the failed transfer attempt does not count towards your daylight/nighttime total or transactional limit.

Identifying an Undone Pix​

You can monitor your transaction status through our Webhooks or by querying the transaction via the endpoint. An undone Pix assumes the corresponding error or return status (e.g., PIX_ERROR or similar, depending on the stage it was rejected), and the value reversal can be identified in your bank statement.