Ticket no registered: what is it and how to pay?

Bank slips are still the simplest way to pay certain bills. Whether you're a business or an individual, you can use them for everything. They're even used for basic monthly bills.

But what happens when a bill is unregistered? What does that mean? And what's the best way to use bill payment?

In this article, we'll explain what an unregistered boleto is and how to pay it. Read on to find out!

What is an unregistered bill?

When we talk about unregistered bills, we can find two very different situations related to this type of term. Therefore, we'll explain both so you can understand what they mean.

Unregistered bill with reduced rates

An unregistered boleto is a type of boleto that doesn't go through the bank's system before being paid, unlike a registered boleto. In the case of an unregistered boleto, the bank only becomes aware of its issuance after payment has been made. With a registered boleto, the bank records all data in its systems as soon as the boleto is issued.

One of the main differences between these two types is that unregistered boletos used to have reduced fees, since the bank didn't need to register them. On the other hand, registered boletos receive fees for both issuance and payment.

This type of boleto is no longer used, as the Central Bank discontinued the unregistered boleto in 2015, as it was causing a series of problems for customers and creditors.

Bill not registered at time of payment

If you went to pay a bill that was just issued, you may receive the message “bill not registered” or “invalid title” when you go to pay.

This happens because the bill has just been issued and the system has not yet fully registered it in the bank's system, meaning you have to wait at least two hours before payment can be made.

How does the unregistered boleto work?

Regarding the unregistered boleto that was used for payments, the idea was to have a practical system that allowed payment with reduced fees.

It worked simply: the lender issued a bill without needing to register it in the bank's entire system. This allowed direct payment for a much lower fee, around R$$ (3 reais).

Thus, the system generated an unregistered bill, that is, directly in the system without the need for bank registration, enabling payment with reduced fees and with the money going directly to the creditor's account.

Payment of the unregistered bill was made in the same way as any other type of bill, with the person simply having to go to the bank or lottery shop and make the payment.

What is the purpose of an unregistered boleto? Is it still used?

The unregistered boleto allowed people to pay the boleto without having to pay a high fee to the bank, and it was also possible to make the payment at any bank branch without any problems.

For those who issued a large number of bills, it was a way to save money and avoid having to pass on fees to customers.

However, starting in June 2015, the Brazilian Federation of Banks (FEBRABAN) decided to suspend the use of unregistered boletos. Customers using unregistered boletos were given a period of time to adapt to the new changes and migrate to the registered boleto model. Only in 2018 were unregistered boletos permanently discontinued.

FEBRABAN's motivation for ending this modality was the search for standardization, centralization of the national titles database and increased security and protection for users.

This happened because the number of scams and frauds involving unregistered bills was growing alarmingly.

Initially, the change was not well received by those accustomed to unregistered bills, mainly due to the previously lower fees. However, users gradually adapted to the new practices.

For companies that issue a large volume of boletos, the increased costs associated with issuing registered boletos had a significant impact. In some institutions, the costs even doubled, generating some discontent.

However, it was necessary to eliminate the unregistered bill so that new problems would not arise.

What to do when it says the bill is not registered?

As we have shown so far, the unregistered Boleto modality ended definitively in 2018. Therefore, since then, it has been necessary to issue registered boletos or find new ways to make the payment.

However, as we mentioned at the beginning, there is a possibility that you may receive a bill and, when trying to make the payment, receive the message “bill not registered” or “invalid title”.

When you generate a boleto, it must be registered in specific systems before it can be paid. Typically, registration occurs at the time the document is issued, but it can take some time for it to be processed in the banking system.

During this registration period, if you try to make a payment, the message “boleto not registered” or something similar may be displayed.

In these situations, the recommendation is simple: You should wait about two hours before trying to pay the bill again.

This waiting period is necessary to allow the boleto to be correctly registered in the bank's systems. The time may vary depending on the financial institution and other factors, such as the volume of transactions being processed at that particular time.

By waiting a few hours, you ensure that the boleto has enough time to be properly registered and recognized by the banking system, thus enabling payment without problems.

If the “boleto not registered” message persists even after this period, it is recommended that you contact the boleto issuer or the financial institution's support team for further assistance and to clarify any questions or issues related to the boleto in question.

Frequently asked questions

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