# Wrong Pix scam: how it works and what to do · Bipe A Pix lands in your account and someone asks you to return it to another key. Then the scammer also disputes it through MED, and the bank takes the amount again. Return money only with your bank's button. **The wrong Pix scam: "I sent it by mistake, send it back to this key"** Also called: wrong Pix refund scam, send it back scam. ## The numbers - **9.3%** of the value disputed through MED, the Pix refund mechanism, went back to victims on average (2025. Source: [Banco Central do Brasil](https://www.bcb.gov.br/content/estabilidadefinanceira/pix/MED/MED_2-0_Circuito_Pix-Dia_1.pdf)) ## How it works 1. The scammer sends a Pix to your key, often money from another scam. 2. They write or call to say it was a mistake and ask you to return it to another key. 3. Then they dispute the original Pix through MED, and you pay twice. ## How to spot it - A Pix arrived from someone you do not know. - They ask for the return to a key other than the one that paid. - They are in a rush and insist. ## What to do - Return it only with the refund button on the transaction itself, in your bank app. - Never send it to a new key. - In doubt, talk to your bank before you return anything. ## How Bipe helps Each item shows where it stands on iPhone and Android. - [Scam warnings](https://bipe.chat/en/features/scam-warnings/) (iPhone: In the test app; Android: In development): A warning shows under a message that looks like a scam, such as a rushed Pix, a new number or a boleto. It is on by default, with nothing to set up. - [A pause before paying](https://bipe.chat/en/features/pause-before-paying/) (iPhone: Coming soon; Android: Coming soon): On a suspicious money request, copy and pay stay locked for 5 seconds, to break the scam's rush. **What Bipe does not solve here:** These are bank mechanics. Bipe only warns when a message asks you to send money back to a key. Bipe only protects the chats that happen in Bipe. If someone in the family still uses another app, a scammer can write to them there. ## Who describes this scam - [Golpe do Pix errado](https://portal.febraban.org.br/DetalheAntifraude/1/pt-br/) (Febraban) - [Glossário de Tipologias de Fraudes e Golpes Digitais](https://www.gov.br/mj/pt-br/assuntos/alianca-nacional-de-combate-a-fraudes-bancarias-digitais/glossario_final_iniciativa_1-8_v10.pdf) (Ministério da Justiça e Segurança Pública e Febraban (Aliança Nacional de Combate a Fraudes Bancárias Digitais)) - [Segurança no Pix](https://www.bcb.gov.br/estabilidadefinanceira/pix-seguranca) (Banco Central do Brasil) ## Other common scams - [Fake relative](https://bipe.chat/en/scams-in-brazil/fake-relative-scam/) - [Taken number or account](https://bipe.chat/en/scams-in-brazil/cloned-number-scam/) - [Fake bank call centre](https://bipe.chat/en/scams-in-brazil/fake-bank-call-scam/) - [Pix and fake boleto](https://bipe.chat/en/scams-in-brazil/pix-scam/) - [Fake shop](https://bipe.chat/en/scams-in-brazil/fake-shop-scam/) - [Threats with your data](https://bipe.chat/en/scams-in-brazil/threat-scam/) - [Fake acquaintance](https://bipe.chat/en/scams-in-brazil/fake-acquaintance-scam/) - ["I sent you a code by mistake"](https://bipe.chat/en/scams-in-brazil/code-by-mistake-scam/) - [Romance scam](https://bipe.chat/en/scams-in-brazil/romance-scam/) - [Fake lawyer](https://bipe.chat/en/scams-in-brazil/fake-lawyer-scam/) - [Fake government body](https://bipe.chat/en/scams-in-brazil/fake-government-scam/) - [Fake delivery fee](https://bipe.chat/en/scams-in-brazil/fake-delivery-fee-scam/) - [Fake job and task scam](https://bipe.chat/en/scams-in-brazil/task-job-scam/) - [Fake support](https://bipe.chat/en/scams-in-brazil/fake-support-scam/) - [Fake second-hand sale](https://bipe.chat/en/scams-in-brazil/fake-seller-scam/) - [Fake buyer and fake receipt](https://bipe.chat/en/scams-in-brazil/fake-receipt-scam/) - [Fake rental](https://bipe.chat/en/scams-in-brazil/fake-rental-scam/) - [Fake boleto](https://bipe.chat/en/scams-in-brazil/fake-boleto-scam/) - [Fake loan](https://bipe.chat/en/scams-in-brazil/fake-loan-scam/) - [Fake investment](https://bipe.chat/en/scams-in-brazil/fake-investment-scam/) - [Betting and "tigrinho"](https://bipe.chat/en/scams-in-brazil/betting-scam/) - [Fake link](https://bipe.chat/en/scams-in-brazil/fake-link-scam/) - [Phantom hand and fake app](https://bipe.chat/en/scams-in-brazil/remote-access-scam/) - [SIM swap](https://bipe.chat/en/scams-in-brazil/sim-swap-scam/) - [Fake kidnapping](https://bipe.chat/en/scams-in-brazil/fake-kidnapping-scam/) - [Sextortion](https://bipe.chat/en/scams-in-brazil/sextortion-scam/) - [Group chat scam](https://bipe.chat/en/scams-in-brazil/group-chat-scam/) - [Fake fundraiser](https://bipe.chat/en/scams-in-brazil/fake-charity-scam/) - [Scams in Brazil in numbers](https://bipe.chat/en/scams-in-brazil/) ## Where these numbers come from Researched on 13 October 2026. We only use numbers that have a source. Surveys by a company or a private association are marked as such. - [Glossário de Tipologias de Fraudes e Golpes Digitais](https://www.gov.br/mj/pt-br/assuntos/alianca-nacional-de-combate-a-fraudes-bancarias-digitais/glossario_final_iniciativa_1-8_v10.pdf) (Ministério da Justiça e Segurança Pública e Febraban (Aliança Nacional de Combate a Fraudes Bancárias Digitais), 2025-10) - [Golpe do Pix errado](https://portal.febraban.org.br/DetalheAntifraude/1/pt-br/) (Febraban, 2025-01-21) - [Segurança no Pix](https://www.bcb.gov.br/estabilidadefinanceira/pix-seguranca) (Banco Central do Brasil, 2026-10-13) - [Aprimoramentos no MED: MED 2.0 (Circuito Pix)](https://www.bcb.gov.br/content/estabilidadefinanceira/pix/MED/MED_2-0_Circuito_Pix-Dia_1.pdf) (Banco Central do Brasil, 2025-10-14) ## Download - Install on iPhone: https://testflight.apple.com/join/k3ycEfzk (Test version, through Apple TestFlight.) - Download for Android: https://bipe.chat/baixar/android/bipe.apk (Test version. Download the file and open it on your phone. Android asks you to allow the install. Notifications do not work yet.) An experiment by Envisioning: https://envisioning.com ## Source code - iPhone app: https://github.com/bipe-chat/bipe-ios - Android app: https://github.com/bipe-chat/bipe-android - App rules and text: https://github.com/bipe-chat/bipe-shared - Invites and @ directory: https://github.com/bipe-chat/bipe-api - This site: https://github.com/bipe-chat/bipe-web - Colours and styles: https://github.com/bipe-chat/compound-design-tokens - On-device scam model: https://github.com/bipe-chat/bipe-ml - Business bridge and inbox: https://github.com/bipe-chat/bipe-business