{"id":12333,"date":"2026-05-11T11:15:20","date_gmt":"2026-05-11T14:15:20","guid":{"rendered":"https:\/\/www.mundiblue.com\/consultoria\/?p=12333"},"modified":"2026-05-11T11:15:20","modified_gmt":"2026-05-11T14:15:20","slug":"pix-saiba-como-agir-em-casos-de-bloqueio-cautelar-e-golpes","status":"publish","type":"post","link":"https:\/\/www.mundiblue.com\/consultoria\/arquivos\/12333","title":{"rendered":"Pix: saiba como agir em casos de bloqueio cautelar e golpes"},"content":{"rendered":"<h3 class=\"content-head__subtitle\">Usu\u00e1rios devem utilizar canais oficiais e ferramentas de autoatendimento nos aplicativos banc\u00e1rios para contestar transa\u00e7\u00f5es e recuperar recursos; regras de rastreamento de valores j\u00e1 s\u00e3o obrigat\u00f3rias desde o come\u00e7o do m\u00eas<\/h3>\n<p><a href=\"https:\/\/www.mundiblue.com\/consultoria\/wp-content\/uploads\/2026\/05\/pix.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-12334 aligncenter\" src=\"https:\/\/www.mundiblue.com\/consultoria\/wp-content\/uploads\/2026\/05\/pix-232x300.jpg\" alt=\"\" width=\"232\" height=\"300\" srcset=\"https:\/\/www.mundiblue.com\/consultoria\/wp-content\/uploads\/2026\/05\/pix-232x300.jpg 232w, https:\/\/www.mundiblue.com\/consultoria\/wp-content\/uploads\/2026\/05\/pix-768x995.jpg 768w, https:\/\/www.mundiblue.com\/consultoria\/wp-content\/uploads\/2026\/05\/pix.jpg 772w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><\/a><\/p>\n<div class=\"mc-column content-text active-extra-styles active-capital-letter\" data-block-type=\"unstyled\" data-block-weight=\"62\" data-block-id=\"2\">\n<p class=\" content-text__container theme-color-primary-first-letter\" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">A seguran\u00e7a do Pix conta com camadas de prote\u00e7\u00e3o que exigem a\u00e7\u00f5es dos pr\u00f3prios usu\u00e1rios, seja para desbloquear um valor que foi considerado sob suspeita ou ao ser v\u00edtima de um golpe. <\/span><\/p>\n<p class=\" content-text__container theme-color-primary-first-letter\" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">O Banco Central padronizou os procedimentos que clientes e institui\u00e7\u00f5es devem seguir para garantir a integridade das transa\u00e7\u00f5es, por meio do bloqueio cautelar e do Mecanismo Especial de Devolu\u00e7\u00e3o (MED).<\/span><\/p>\n<\/div>\n<div class=\"wall protected-content\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"11\" data-block-id=\"3\">\n<h4 class=\"content-text__container\" data-mrf-recirculation=\"Article links\"><span style=\"text-decoration: underline; color: #000000;\">Recebi um Pix e o valor foi bloqueado: o que fazer?<\/span><\/h4>\n<\/div>\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"34\" data-block-id=\"4\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">O bloqueio cautelar \u00e9 uma medida preventiva acionada pela pr\u00f3pria institui\u00e7\u00e3o do recebedor quando h\u00e1 suspeita de fraude no cr\u00e9dito da conta. <\/span><\/p>\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Caso o usu\u00e1rio se depare com essa situa\u00e7\u00e3o, o procedimento padr\u00e3o envolve:<\/span><\/p>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"83\" data-block-id=\"5\">\n<ul class=\"content-unordered-list\">\n<li><span style=\"color: #000000;\"><strong>Aguardar a an\u00e1lise:<\/strong> o banco pode reter os recursos por at\u00e9 72 horas para realizar uma avalia\u00e7\u00e3o detalhada da transa\u00e7\u00e3o.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Acompanhar notifica\u00e7\u00f5es:<\/strong> o recebedor deve ser notificado imediatamente pela institui\u00e7\u00e3o assim que o bloqueio for efetuado.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Verificar a libera\u00e7\u00e3o:<\/strong> se a an\u00e1lise n\u00e3o comprovar fraude, o bloqueio \u00e9 encerrado e o valor \u00e9 liberado automaticamente, com nova notifica\u00e7\u00e3o ao cliente.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Devolu\u00e7\u00e3o volunt\u00e1ria:<\/strong> durante o per\u00edodo de reten\u00e7\u00e3o, o recebedor tem a op\u00e7\u00e3o de solicitar a devolu\u00e7\u00e3o do Pix diretamente para o pagador original.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"10\" data-block-id=\"6\">\n<div class=\"content-intertitle\">\n<h4><span style=\"text-decoration: underline; color: #000000;\">Fui v\u00edtima de golpe: como acionar o mecanismo de devolu\u00e7\u00e3o?<\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"32\" data-block-id=\"7\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Se o usu\u00e1rio perceber que foi v\u00edtima de uma fraude ou coa\u00e7\u00e3o logo ap\u00f3s realizar um Pix, deve iniciar o processo de recupera\u00e7\u00e3o <strong>o mais r\u00e1pido poss\u00edvel<\/strong>. <\/span><\/p>\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">O passo a passo inclui:<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"65\" data-block-id=\"8\">\n<ul class=\"content-unordered-list\">\n<li><span style=\"color: #000000;\"><strong>Registro de boletim de ocorr\u00eancia:<\/strong> \u00e9 recomendado formalizar a den\u00fancia junto \u00e0s autoridades policiais.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Canais oficiais:<\/strong> o cliente deve avisar imediatamente sua institui\u00e7\u00e3o financeira por meio do SAC, Ouvidoria ou link direto dispon\u00edvel no ambiente Pix do aplicativo.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Autoatendimento: d<\/strong>esde o final de 2025, os bancos disponibilizam ferramentas de autoatendimento nos aplicativos para que transa\u00e7\u00f5es sejam contestadas sem necessidade de intera\u00e7\u00e3o humana, acelerando o processo.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"4\" data-block-id=\"9\">\n<div class=\"content-intertitle\">\n<h4><span style=\"text-decoration: underline; color: #000000;\">Novas regras de rastreamento<\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"62\" data-block-id=\"10\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Desde 2 de fevereiro de 2026, tornou-se obrigat\u00f3ria a funcionalidade que permite ao Mecanismo Especial de Devolu\u00e7\u00e3o (MED) identificar e rastrear o caminho dos recursos por m\u00faltiplas contas. <\/span><\/p>\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Isso significa que, ao registrar uma contesta\u00e7\u00e3o, o sistema busca os valores mesmo que o fraudador j\u00e1 tenha transferido o dinheiro para outras institui\u00e7\u00f5es, permitindo a devolu\u00e7\u00e3o em at\u00e9 11 dias ap\u00f3s o pedido.<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"5\" data-block-id=\"11\">\n<div class=\"content-intertitle\">\n<h4><span style=\"text-decoration: underline; color: #000000;\">Limites do sistema de devolu\u00e7\u00e3o<\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"30\" data-block-id=\"12\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">\u00c9 fundamental que o usu\u00e1rio saiba que nem toda transa\u00e7\u00e3o equivocada permite o uso dessas ferramentas. <\/span><\/p>\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">O Banco Central esclarece que o MED n\u00e3o pode ser acionado nos seguintes casos:<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles\" data-block-type=\"raw\" data-block-weight=\"32\" data-block-id=\"13\">\n<ul class=\"content-unordered-list\">\n<li><span style=\"color: #000000;\">Pix realizado por engano (digita\u00e7\u00e3o de chave errada).<\/span><\/li>\n<li><span style=\"color: #000000;\">Controv\u00e9rsias comerciais entre usu\u00e1rios (problemas com produtos ou servi\u00e7os).<\/span><\/li>\n<li><span style=\"color: #000000;\">Transa\u00e7\u00f5es enviadas para terceiros de boa-f\u00e9.<\/span><\/li>\n<li><span style=\"color: #000000;\">Pedidos de <em>chargeback <\/em>(revers\u00e3o de pagamento comum em cart\u00f5es).<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"cropped-block\">\n<div class=\"mc-column content-text active-extra-styles \" data-block-type=\"unstyled\" data-block-weight=\"11\" data-block-id=\"15\">\n<p class=\" content-text__container \" data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Para mais informa\u00e7\u00f5es, acesse o site do<\/span> <a class=\"\" href=\"https:\/\/www.bcb.gov.br\/meubc\/faqs\/s\/pix\" target=\"_blank\" rel=\"noopener\" data-mrf-link=\"https:\/\/www.bcb.gov.br\/meubc\/faqs\/s\/pix\">Banco Central do Brasil<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\">\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\">\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Fonte:<\/span><\/p>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">Banco do Brasil.<\/span><\/p>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\"><span style=\"color: #000000;\">\u00c9poca Neg\u00f3cios &#8211; Futuro do dinheiro.<\/span><\/p>\n<p data-track-category=\"Link no Texto\" data-track-links=\"\" data-mrf-recirculation=\"Article links\">\n","protected":false},"excerpt":{"rendered":"<p>Usu\u00e1rios devem utilizar canais oficiais e ferramentas de autoatendimento nos aplicativos banc\u00e1rios para contestar transa\u00e7\u00f5es e recuperar recursos; regras de rastreamento de valores j\u00e1 s\u00e3o obrigat\u00f3rias desde o come\u00e7o do m\u00eas A seguran\u00e7a do Pix conta com camadas de prote\u00e7\u00e3o que exigem a\u00e7\u00f5es dos pr\u00f3prios usu\u00e1rios, seja para desbloquear um valor que foi considerado sob [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-12333","post","type-post","status-publish","format-standard","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/posts\/12333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/comments?post=12333"}],"version-history":[{"count":1,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/posts\/12333\/revisions"}],"predecessor-version":[{"id":12335,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/posts\/12333\/revisions\/12335"}],"wp:attachment":[{"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/media?parent=12333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/categories?post=12333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mundiblue.com\/consultoria\/wp-json\/wp\/v2\/tags?post=12333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}