Money on the Table explains budgeting, cards, credit, debt, banks, and Pix to help you understand costs, rules, and choices before deciding.
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Learn how contactless Pix, QR Code and Pix Copy and Paste differ in payment initiation, authentication and review, including the limit change taking effect on October 1, 2026.
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Learn why Brazil's cheque especial overdraft can appear next to the account balance, how to identify your own funds, when the limit starts being used and how interest applies.
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Before confirming a Brazilian boleto payment, compare the details shown by your bank with the charge you expect. Use this quick checklist to verify the source, beneficiary, destina...
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Learn how interest, CET, installments, and total cost relate, and compare credit offers without confusing the advertised rate with the final price.
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Cards, loans, financing, interest, CET and installment plans explained before you take them out.
Debt & Negotiation2 articlesHow to identify, organize and negotiate debts understanding costs, rights and consequences.
Banks, Pix and Payments11 articlesBank accounts, fees, Pix, payment slips and other ways to move and pay money.
Scams and Security4 articlesPrevention and response to financial fraud, account takeovers, scams and improper transfers.
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Learn how to tell a temporary authorization hold from a duplicate charge, what to check in the app, and when to request a reversal or file a dispute.
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Learn how to distinguish a security block, a card-specific limit and a terminal failure before retrying a declined purchase.
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Learn how to read a Pix status, check whether your account was debited, know when to wait, and avoid making a duplicate transfer.
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The three-business-day deadline applies to one stage of the Open Finance information exchange, not the entire journey. See the flow, current scope and planned November expansion.
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From October 1, contactless Pix loses its specific R$500 cap but remains subject to the account’s general limits and the institution’s rules.
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Pix version 7.4 reshapes the MED dispute journey, adds evidence uploads, guides ineligible cases and changes payment receipts from March 1, 2027.
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Learn who may provide eFX, the authorization deadlines, segregated-account rules, new reporting duties, and what changes for customers and fintechs from October 1, 2026.
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Learn what to do after sending Pix to the wrong recipient, how to request a return and when Brazil’s MED can actually be used.
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Version 8.5 of the DICT Operational Manual split the effective dates: the 80-day deadline to contest a fraudulent refund is already in force, while TransactionDepth starts on Octob...
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Cards, loans, financing, interest, CET and installment plans explained before you take them out.
Paying off a loan early reduces future interest, but that is not the same as recovering the insurance premium. See when a credit life insurance premium may be refunded and how to c...
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Before maturity, compare CET, total value, term and installment on the same basis. See when the minimum becomes revolving, how to test a loan and when portability comes into the ac...
Read articleLearn why Brazil's cheque especial overdraft can appear next to the account balance, how to identify your own funds, when the limit starts being used and how interest applies.
Read articleLearn how interest, CET, installments, and total cost relate, and compare credit offers without confusing the advertised rate with the final price.
Read articleHow to identify, organize and negotiate debts understanding costs, rights and consequences.
An unfamiliar bank in Brazil's SCR may be the new creditor after a credit assignment — or a sign of unauthorized borrowing. Learn how to trace the debt before paying or disputing i...
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Paying off a debt does not erase older SCR positions. See when Registrato should reflect the payment, how to read the reference date, and when to ask the bank for a correction.
Read articleBank accounts, fees, Pix, payment slips and other ways to move and pay money.
From October 1, 2026, contactless Pix will no longer have a specific R$500 per-transaction cap. See what will limit payments and how to adjust amounts in your bank's app.
Read articleLearn how contactless Pix, QR Code and Pix Copy and Paste differ in payment initiation, authentication and review, including the limit change taking effect on October 1, 2026.
Read articleLearn how to read a Pix status, check whether your account was debited, know when to wait, and avoid making a duplicate transfer.
Read articleFrom October 1, contactless Pix loses its specific R$500 cap but remains subject to the account’s general limits and the institution’s rules.
Read articlePrevention and response to financial fraud, account takeovers, scams and improper transfers.
If the Pix is still only scheduled, there is a specific cancellation deadline. If it has already gone through, the route changes to a fraud dispute and MED.
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The MED's denial does not automatically close all alternatives. Understand the reason for the refusal, gather evidence and choose the appropriate channel to dispute or seek guidanc...
Read articleBefore confirming a Brazilian boleto payment, compare the details shown by your bank with the charge you expect. Use this quick checklist to verify the source, beneficiary, destina...
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If you made a Pix because of a scam, dispute the transaction immediately. Understand when the MED can recover values, the deadlines and the cases in which it does not apply.
Read articleMoney on the Table is a financial education blog focused on decisions that appear in real life: budgeting, bills, credit, installments, debt, bank accounts, Pix, and security. We explain concepts, costs, rules, and alternatives using verifiable sources and accessible language. The content is educational and does not replace individual professional analysis. Investment recommendations, promises of returns, and get-rich strategies are not part of the initial scope.
