What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
The DICT lookup and the messages exchanged with the Banco Central do Brasil are shown as single steps; fraud controls, limits, and the Pix refund mechanism are omitted. Every failure here is authored on Brazil Pix — instant payment, with the sources that back it.