On the 16th, the federal government issued Provisional Measure (MP) 1288/25, the main objective of which is to reinforce the ban on charging fees for financial transactions carried out via Pix (Instant Bank Transfer). The text is still being analyzed by the National Congress.
According to the Provisional Measure, payments made via Pix in cash are treated as payments in kind, and no tax, fee or contribution may be levied on these transactions. In addition, the text classifies the charging of additional amounts by suppliers of products or services for payments made via Pix as an abusive practice. Failure to comply with this measure subjects infringers to the penalties provided for in the Consumer Protection Code.
As a preventive measure, the MP determines that companies that sell products and services must inform, in a clear and accessible manner, of the prohibition on charging additional amounts for transactions carried out via Pix.
The Provisional Measure seeks to reinforce the rule that prohibits taxing instant payments, especially in light of the spread of fake news on social media about a supposed government tax on Pix transactions above R$5,000.00.
Practical impacts of the Provisional Measure
The explicit ban on charging additional fees or amounts for transactions via Pix brings direct benefits to consumers and businesses. For consumers, Pix remains a free, fast and secure payment option, ensuring greater predictability and eliminating the risk of undue charges. For businesses, this measure strengthens public confidence in the use of Pix as a means of payment, encouraging its widespread adoption in the market and reducing costs with traditional payment systems, such as credit and debit cards.
In addition, by avoiding additional charges, the Provisional Measure encourages economic formalization, as it reduces financial barriers to the use of a widely accessible and cost-free system. Finally, the clarity of the legislation reinforces legal security, helping to combat misinformation and protecting both consumers and entrepreneurs from abusive practices.
Finally, article 1 of the Provisional Measure provides that its purpose is to extend and guarantee the effectiveness of secrecy and the prohibition of higher prices, additional amounts or charges on payments made through the Pix instant payment system, set up by the Central Bank of Brazil.
