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Payment methods · Brazil

Pix in Brazil: instant payments, in and out

Collect with a QR code or Copia e Cola, assign Pix keys to your customers and pay beneficiaries in real time, 24/7, from a single integration.

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  • Instant transfer
  • Brazil
  • Pay-in · Payout

Key facts

Pix at national scale

Figures published by the Central Bank of Brazil.

What it is

The instant payment rail of Brazil

Pix is the instant payment system created by the Central Bank of Brazil. The payer approves in their bank app and the money moves between accounts in seconds, at any hour. With Localpayment you use it three ways: as a pay-in method, as a virtual account identified by a Pix key, and as a payout rail.

  • Pay-in with QR code or Copia e Cola, confirmed by webhook
  • Virtual account with a Pix key (email, phone or random) that also receives TED
  • Pix payouts in real time, 24/7, plus TED for same-day or T+1 transfers

How it works

How a Pix payment works

Actors and steps follow the documented flow. The final status always arrives by signed webhook.

  1. 1

    CustomerYour business:

    Chooses Pix

    At your checkout or through a payment link.

  2. 2

    Your businessLocalpayment:

    Creates the pay-in

    POST /api/payin/ with country, currency, amount and payer data. The response includes the Pix QR image and the Copia e Cola code, with an expiration date. Status 100 (INPROGRESS).

  3. 3

    CustomerBank · Pix:

    Approves in the bank or wallet app

    The payer scans the QR or pastes the code in their bank app and confirms the payment.

  4. 4

    LocalpaymentYour business:

    Webhook with the final status

    Localpayment receives the confirmation and updates the transaction. Signed with HMAC-SHA256 (x-Signature). Status 200 means completed; deduplicate on externalId.

Simplified diagram. Timing depends on the rail and the bank; see the key facts below.

How it works

How a Pix payout works

Actors and steps follow the documented flow. The final status always arrives by signed webhook.

  1. 1

    Your businessLocalpayment:

    Sends the payout request

    POST /api/payout/ with the beneficiary details, amount and externalId. Compliance checks run; with requireAuth, a second approver signs off before funds move.

  2. 2

    LocalpaymentBank · Pix:

    Locks the funds and sends the instruction

    The payout moves from Locked to In Progress over Pix.

  3. 3

    Bank · PixBeneficiary:

    Credits the beneficiary

    Timing depends on the rail; see the key facts below.

  4. 4

    LocalpaymentYour business:

    Webhook: payout completed

    Localpayment updates the payout to its final status. Signed webhook with the final status; the proof of payment can be downloaded.

Simplified diagram. Timing depends on the rail and the bank; see the key facts below.

How it works

See Pix in action

A simplified, fictitious walkthrough. Names and amounts are examples.

  1. 1PixA QR code (or a copy-and-paste code) is shown to the payer.
  2. 2Banco EjemploThe payer reviews BRL 249.90 and approves in their bank or wallet app.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.
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Key facts

Pix: key facts

  • Country

    Detail
    🇧🇷 Brazil

  • Currency

    Detail
    BRL

  • Direction

    Detail
    Pay-in and payout

  • Pay-in · Pix (QR and Copia e Cola)

    Detail
    Real-time, confirmed by webhook · BRL 0.01 – 1,000,000

  • Pay-in · Virtual account (Pix or TED)

    Detail
    Real-time, confirmed by webhook · BRL 0.01 – 2,000,000

  • Payout · Pix

    Detail
    Real-time, 24/7 · Min. BRL 0.06, no maximum

  • Payout · Bank transfer (TED)

    Detail
    Same day or T+1, cut-off 17:00 Brasília time

  • Payout settlement

    Detail
    Real-time, 24/7, including weekends and holidays

Taken from the Localpayment documentation for each country. Limits and availability can change; confirm them with your account manager.

Consumer experience

What your customer sees with Pix

Authorization, limits and refunds as documented on docs.localpayment.com. Limits are shown only where the documentation states them.

  • How the customer authorizes

    The customer scans the QR code with their bank or wallet app, or copies the Copia e Cola code into the app’s “Pay with Pix code” field, reviews the amount and confirms. The response carries an expiration date; show a countdown and create a new pay-in if it lapses.

  • Documented limits

    Pix (QR and Copia e Cola) (Pay-in): BRL 0.01 – 1,000,000 · Virtual account (Pix or TED) (Pay-in): BRL 0.01 – 2,000,000 · Pix (Payout): Min. BRL 0.06, no maximum. Per transaction, as published in the documentation; contractual limits may differ.

  • Refunds and returns

    A completed pay-in can be refunded with PATCH /api/payin/{externalId}/refund. Only full refunds are supported; the money goes back to a bank account of the payer and the transaction ends in status 902 (REFUNDED). While a payment is still pending it can be canceled instead.

Integration checklist

Go live with Pix in five steps

The same sequence for every rail. Watch the animated checkout for this country before you build.

  1. Get Stage credentials

    Request access, receive sandbox credentials and obtain a JWT with POST /api/token/.

  2. Create the pay-in

    POST /api/payin/ with the Localpayment code from the key facts table, ISO-3 country, currency, amount and payer data.

  3. Show the instructions

    Render the QR, code, redirect or account details from the response and respect the expiration date.

  4. Verify the webhook

    Validate x-Signature (HMAC-SHA256), release the order on status 200 and deduplicate on externalId.

  5. Watch the animated checkout

    Every method of this country, screen by screen, in the checkout experiences gallery.

History

How Pix became the default way to pay

Source: Banco Central do Brasil, Pix Management Report 2023–2025.

  1. Launch

    The Central Bank of Brazil launches Pix on its SPI infrastructure: instant transfers between any accounts, 24/7, addressed by keys.

  2. Cash-out and merchant features

    Pix Saque and Pix Troco add cash withdrawal at merchants; dynamic QR codes and Copia e Cola make Pix a checkout method.

  3. Pix Automático

    Recurring payments go live on 16 June 2025, alongside Pix Agendado, contactless Pix and Open Finance payment initiation.

  4. Close to 80 billion transactions

    Pix processes 79.8 billion transactions in the year, 43% of them person-to-business, with more than 920 million keys registered.

Why Localpayment

Why use Pix with Localpayment

  • One API for pay-ins and payouts

    Pix runs on the same API as every other method: POST /api/payin/ to collect, POST /api/payout/ to pay out, and new markets by configuration.

  • Webhook status on every transaction

    Every status change is pushed to your endpoint, signed with HMAC-SHA256, so you can verify and automate.

  • Reconciliation in the Business Portal

    Match every transaction through your externalId and our internalId, with Business Portal reports and balance APIs.

Keep exploring

FAQ

Pix: frequently asked questions

How fast is a Pix payment confirmed?

Pix is a real-time rail that confirms in seconds, 24/7. For pay-ins the final status reaches you by signed webhook, so build your order flow around that notification.

What are the limits?

The documented pay-in range is BRL 0.01 to 1,000,000 per transaction. Pix payouts start at BRL 0.06 with no documented maximum. See the key facts table above and confirm your limits with your account manager.

Can I pay out through Pix and TED?

Yes. Pix payouts are real-time, 24/7. TED is also available for same-day or T+1 transfers, with a 17:00 Brasília time cut-off.

Which Pix key types can a virtual account use?

A Localpayment virtual account in Brazil comes with a Pix key (email, phone or random key) and bank, branch and account details, returned when you create it. Payers send Pix to the key, or Pix or TED to the account details: both rails credit the same account and trigger the same webhook.

Can I refund a Pix payment partially?

No. Pix refunds through Localpayment are full refunds only, requested with PATCH /api/payin/{externalId}/refund on a completed transaction. The money returns to the payer and the pay-in ends in status 902 (REFUNDED).

Does Pix have chargebacks?

Pix is a push payment authorized by the payer in their own bank app, so there is no card-style chargeback. Disputes are handled as refunds that you initiate.

Does the QR code expire?

Yes. Every pay-in response includes qr.expirationDate. Display a countdown in your checkout, and when it lapses create a new pay-in rather than reusing the old code.

Add Pix to your payments

Tell us your markets and volumes. We start you on Stage (sandbox) credentials and guide you to go-live.

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