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Brazil

What is PIX and how to pay into it from abroad

PIX is Brazil's instant payment system, run by the central bank since late 2020. It replaced the addressing: Brazilians exchange a key, not a bank, a branch and an account number.

Brazil

BRL

Instant bank transfer

How a payment moves

  1. You One API request
  2. PIX Key and key type
  3. Recipient The account behind the key
On DVBridge Payouts Live QR payments Live

Paying into it with DVBridge

  • Payouts · Brazil Live
    What you send
    A PIX key (CPF, CNPJ, phone or email), or bank, branch and account
    Recipient name
    Required
    Delivery
    Seconds
  • QR payments · Brazil Live
    What you send
    The code payload, exactly as the camera read it
    Recipient name
    Not used
    Delivery
    Seconds

Amount limits are configured for your account and returned by the API.

What a key is

A PIX key resolves to one account at one institution; the payer never learns which bank that is.

The five kinds differ only in how they look: CPF, an individual’s tax number, eleven digits; CNPJ, a company’s, fourteen; phone; email; and EVP, a random string the bank generates for people who would rather not publish the others.

Why it matters when paying from abroad

Three fields become one: no bank directory to maintain, no branch code to validate, no format that differs by institution. PIX settles in seconds at any hour, Sundays and national holidays included, with no cut-off time.

What you still have to get right

Send the key type with the value: a CPF and a phone number are both digits, and without the type the system cannot tell them apart. Collect a recipient name for your own records, even though the key decides who gets paid.

QR codes are the same system

A PIX QR code carries a key and often an amount: the same rail, read by camera instead of typed. That path is available too.

Questions and answers

  • Do I need to know the recipient's bank?

    No. The key resolves to the institution behind it.

  • What happens if the key is wrong?

    Malformed keys are refused when the payout is created. A well-formed key pointing at a closed account is refused by the receiving institution and the funds return.

  • Can I pay a company?

    Yes, through a CNPJ key.

  • Is PIX only for small amounts?

    No. Limits are a matter for the sending and receiving institutions, not the rail.

  • Does PIX work at weekends?

    Yes. It settles continuously, with no business-day concept.

Name the markets. We bring the rails.

Which markets, which products, roughly what volume. We come back with terms, test keys and the documentation.