The ICOM consumer receives signed ISO 20022 messages from BACEN over the RSFN and passes them to the rail’s authenticated internal ingress. A credit-transfer message (pacs.008) carries an inbound Pix. A status reply (pacs.002) reports a payment you sent. A return message (pacs.004) carries a devolução.
The rail validates each inbound message before it applies it. A pacs.002 reply applies COMPLETED or REJECTED to a payment you sent. A camt.054 that answers your BACEN lookup on the payment can also close it.
The rail records an inbound pacs.008 as PENDING until your client accepts or refuses it. An accepted Pix reaches COMPLETED only when the SPI confirms the credit, or REJECTED if the SPI refuses it. The rail refuses a Pix that no decision concludes within its regulatory window.
An inbound pacs.004 also waits for your client to authorize or refuse it. An authorized return settles only when the SPI confirms it. The rail refuses a return that no decision concludes within its window.
