Bank transfers & instant payments · Available
PIX
PIX is the Central Bank of Brazil's instant payment system and the country's most used way to pay online: the payer scans a QR code or pastes a code in their banking app, and the money arrives in seconds, around the clock. There are no chargebacks, and PIX works for payouts to any PIX key as well.
Key facts
- Countries
- Brazil
- Currencies
- BRL
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
- share of e-commerce payments · Brazil
- 42 % (Banco Central do Brasil, 2025)
How a payment goes through
- 1The checkout shows the account details, the amount and a reference
- 2The payer sends the transfer from their banking app
- 3The provider matches the incoming transfer by reference and amount
- 4Webhook to the merchant; unmatched transfers are refunded
How a payment goes through
- The checkout creates a PIX charge and shows the QR code and the copy-paste code.
- The payer pays in their banking app within the code’s validity.
- The provider confirms the transfer within seconds.
- Tranzify writes the result and calls the merchant’s webhook.
PIX against cards in Brazil
| PIX | Cards | |
|---|---|---|
| Settlement | seconds | up to 30 days for domestic instalments |
| Chargebacks | none | scheme rules |
| Share of online payments | about 42 % (2025) | falling |
| Payouts | yes, to any PIX key | limited |
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Terms
Frequently asked questions
Does PIX work 24/7?+
Yes. PIX settles in seconds at any hour, including weekends and holidays.
Can PIX be used for payouts?+
Yes. A payout goes to the recipient’s PIX key — a CPF or CNPJ, phone, email or random key — through the same providers.
Do I need a Brazilian company?+
The licensed provider in the catalogue is the local party; your clients contract through it. Tranzify routes and journals the payments.
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