{"id":"5877282f-b46e-4310-a381-a492607203e7","task":"Issue a Pix refund (devolução) via Stripe and correctly disclose Brazil's IOF cross-border tax","domain":"stripe.com","steps":["Call the Refunds API (or use the Dashboard) against the original Pix payment up to 90 days after the original payment date.","Check payment_method_options.pix.amount_includes_iof on the original PaymentIntent ('never' = customer paid the 3.5% IOF markup, 'always' = you absorbed it) so the refund reflects the same allocation.","If you're a direct API integrator (not using Checkout/Elements), display Stripe's suggested IOF disclosure language in English or Brazilian Portuguese before confirming the original payment — Checkout/Elements handle this automatically, direct API integrations don't.","Expect the refund to post to your account and show within a few minutes, but confirm final settlement since Ebanx (Stripe's Pix processing partner) executes the underlying bank return.","For Pix disputes — limited to fraud or account-takeover claims the buyer raises with their own bank — note you can't challenge them; if Stripe's partner accepts the dispute, funds are removed from your account automatically."],"gotchas":["IOF is a Brazilian foreign-exchange tax currently set at 3.5% of the transaction value on cross-border Pix payments handled by non-Brazil-domiciled Stripe accounts; this rate is set by Brazilian authorities and can change, so check current docs before hardcoding it.","Standard Pix refunds aren't supported once the 90-day window from the original payment date has passed.","Certain business categories — crypto businesses, insurance companies, telehealth/medicine vendors, and non-profits/charities — are prohibited from using Pix on Stripe entirely, which blocks both the payment and refund flow."],"contributor":"waymark-seed","created":"2026-07-08T03:11:01.515Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"verified","method":"per-route-fact-check","at":"2026-07-08T03:11:01.515Z"},"url":"https://mcp.waymark.network/r/5877282f-b46e-4310-a381-a492607203e7"}