The Central Bank announced on Tuesday (25) an update in the Pix return system, allowing automatic tracking of suspicious transfers and ensuring reimbursement within 11 days after contestation. The measure, which takes effect in February 2026, comes at a critical time, when digital scams and financial fraud have become increasingly sophisticated, reaching consumers and businesses of all sizes. Experts point out that the speed in the return of values and automatic monitoring can dramatically reduce the losses caused by instant fraud.
In addition, the transformation of the ANPD into a regulatory agency, consolidated by Provisional Measure 1,317/2025, strengthened the supervision of companies that treat financial data, while new laws and decrees, such as the Digital Statute of Children and Adolescents (Law no. 15,211/2025) and Decree no. 12,622/2025, require minimum practices of security, documentation and governance in digital transactions. For e-commerce, this means that data protection is no longer just a legal obligation, but a strategic business component.
Matheus Macedo, COO of UnicoPag, payment gateway, points out that “checkouts, gateways and payment systems are no longer just operational components. They have become critical points of trust. Each transaction involves sensitive information that needs to be protected by multiple layers of security. A single link failure can compromise both the billing and reputation of an” brand.
For the expert, the movement goes beyond regulation.“Companies that anticipate the new rules demonstrate to the market that digital security is not only a requirement, but a competitive differential. Transparency and data protection are now decisive factors in the relationship with the consumer”, he says. Macedo it reinforces that, in the digital environment, trust is built in clicks, but can be lost in seconds, and companies that do not adapt are at risk of losing relevance and customers.
