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Brazil · Pay-ins & payouts

Pix collections and payouts in Brazil, 24/7

Collect with Pix QR and Copia e Cola or give each customer a Pix-key virtual account, and pay out over Pix in real time or via TED.

Contact salesBrazil API docs
  • Pix · real-time rail
  • Currency: BRL
  • Licensed
Pay-ins and payouts
Pix
Real-time Pix, weekends and holidays included
24/7
Receive Pix and TED
Virtual accounts
Licensed by
BCB

Market snapshot

Brazil in figures

Public, dated figures from official sources. Every number links to its source.

Market overview

Built around Pix

In Brazil, Localpayment collects in reais (BRL) over Pix — by QR code, Copia e Cola or a dedicated Pix key per customer — and pays out over Pix or TED. Localpayment is a Payment Institution licensed by the Central Bank of Brazil. Cards are not part of our Brazil offering.

  • Pix pay-ins from BRL 0.01 to 1,000,000, confirmed in seconds
  • Pix-key virtual accounts (email, phone or random key) that also receive TED, up to BRL 2,000,000
  • Pix payouts in real time, 24/7, with no maximum amount
  • TED payouts same day or T+1, with a 17:00 Brasília cut-off
Compare all payment methods

Checkout experience

How customers pay in Brazil

Pick a payment method to watch the checkout, step by step. Screens and amounts are illustrative.

Virtual account (Pix or TED)

  1. 1Comercio EjemploCheckout shows the account details to pay R$500.
  2. 2Banco EjemploThe payer transfers R$500 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Brazil

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (Pix or TED)

    Type
    Virtual account
    Code
    1350
    Limits
    BRL 0.01 – 2,000,000
    Confirmation
    Real-time, confirmed by webhook
    Notes
    Pix key (email, phone or random) plus bank account details; receives Pix and TED

  • Pix (QR and Copia e Cola)

    Type
    Account-to-account
    Code
    1314
    Limits
    BRL 0.01 – 1,000,000
    Confirmation
    Real-time, confirmed by webhook
    Notes
    Brazil’s instant payment system, 24/7

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Brazil

Every documented rail, with speed, cut-off and limits.

  • Pix

    Type
    Bank transfer
    Code
    0031
    Speed / cut-off
    Real-time, 24/7
    Limits
    Min. BRL 0.06, no maximum
    Notes
    —

  • Bank transfer (TED)

    Type
    Bank transfer
    Code
    0030
    Speed / cut-off
    Same day or T+1, cut-off 17:00 Brasília time
    Limits
    —
    Notes
    —

  • Wallets

    Type
    Wallet
    Code
    —
    Speed / cut-off
    Via bank transfer
    Limits
    —
    Notes
    Credited to the beneficiary’s wallet through a bank transfer

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Brazil: licensed presence

Payment Institution — Central Bank of Brazil (BCB). Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Licensed
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: CPF, CNPJ
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Brazil

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country BRA · currency BRL
  • Rail: Pix · code 0031
  • Final status by HMAC-signed webhook
Brazil guide in the docs
# Illustrative request with simplified fields — see the Brazil page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-br-000184",
    "country": "BRA",
    "currency": "BRL",
    "amount": 500,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0031",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Ana",
      "lastname": "Souza",
      "document": { "type": "CPF", "id": "000.000.000-00" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Frequently asked questions

Which methods are available in Brazil?

Pay-ins: Virtual account (Pix or TED) and Pix (QR and Copia e Cola). Payouts: Pix, Bank transfer (TED) and Wallets. The tables above show codes, limits and speeds.

Do you process cards in Brazil?

No. In Brazil we offer Pix and Pix-key virtual accounts for collections, and Pix and TED for payouts.

How fast is Pix?

Pix confirms in seconds, 24/7. You receive the final status of every pay-in and payout by webhook.

What is a Pix-key virtual account?

A Pix key — email, phone or random key — assigned to a single customer, backed by an account that also receives TED transfers to its bank details. Every payment is matched to the customer automatically.

How do I go live in Brazil?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Related products

Launch in Brazil

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

How can we help?

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