Pix — instant payments (Brazil)
Live
Dynamic QR Code, copy-and-paste codes and payment links, confirmed by webhook in seconds.
Cross-border infrastructure · Latin America
Collect locally across Latin America.Settle where your business operates.
One integration for local payment methods in 12 Latin American markets, including instant Pix in Brazil.
⚠ Sandbox environment, no real funds are moved.
Pix, cards, payouts and LATAM rails are live through one integration.
Instant
Payments confirmed in seconds.
Integration-ready
REST API, webhooks and your own references.
Cross-border
Local collection connected to your global operation.
Compliance
Onboarding with KYC and AML review.
Products
One integration, a complete portfolio
Run Pix, cards, split, payouts and local methods through the same endpoint.
Cards & Split
Live
Domestic and international cards with automatic split between sellers and partners.
Payouts & Global Rails
Live
Payouts to local beneficiaries and international settlement in multiple currencies.
Cross-border
Local collection. Global operations.
Enter Latin America with familiar local payment experiences and one layer to integrate, monitor and reconcile your operation.
Pay-ins, payouts and local methods are live across supported markets.
Your customer pays locally
01Offer Pix at checkout through QR Code, copy-and-paste or a payment link.
Brazil · BRL · Pix
CruziaPay processes
02The payment is confirmed by webhook and organized for reconciliation in your integration.
API · Webhooks · Regional routing
Your business settles
03International settlement follows the currency, timing and terms agreed commercially.
Subject to contract
Local experience
A familiar payment method for Brazilian customers.
Centralized integration
One connection for collection, status and reconciliation.
Operational visibility
Your own references and events to track each transaction.
Compliance from day one
KYC and AML onboarding designed around your operation.
Methods
Payment methods
Pix, cards, boleto, digital wallets and local LATAM methods are live through the same integration.
Live
Pix
Dynamic QR Code charges, copy-and-paste codes and payment links. Confirmation in seconds.
Learn moreLive
Credit card
Domestic and international schemes, installments and recurring billing.
Live
Debit card
Single-payment debit with issuer authentication.
Live
Boleto
Brazilian bank slip with due date and bank clearing.
Live
Pix in installments
Installments over the Pix rail with partner credit analysis.
Live
Pix out
Payouts and withdrawals to Pix keys and bank accounts.
Live
Digital wallets
Wallet payments with stored balance and tokenization.
Live
Local LATAM transfers
Local rails across other Latin American countries.
Pricing
Transparent pricing across Latin America
One integration, local rates per market. Volume pricing is defined for each operation profile.
Brazil (BRL)
Pix · LivePay-in (collection)
| Method | Providers | Rate |
|---|---|---|
| Local debit & credit cards | Visa, Mastercard, Elo, Amex | 7.3% |
Payout (disbursement)
Terms defined in the commercial agreement
Notes: Pix is live; pricing is defined for each operation profile.
Account & settlement fees
Setup fee
Waived
Risk control fee
USD 0.30 per approved card transaction
Refund
USD 5 per refunded transaction
Chargeback
USD 25 per chargeback
International settlement (SWIFT, USD/EUR)
USD 150 per settlement
Other settlement currencies
+2% + USD 150 per settlement
FX for BRL settlement
2%
FX for cross-border settlement
3.5%
FX from pay-in balance to payout account
3%
Settlement frequency
Weekly, biweekly or monthly
Rolling reserve
10% held for 120 days
Rates apply to the transaction amount. Local taxes apply to the processing fee as indicated per market. Availability by market and vertical is subject to KYC, KYB and compliance approval. Prices are indicative and final terms are defined in the commercial agreement.
Flow
How it works
- 1
Onboarding and KYC
Company documentation review and compliance approval.
- 2
Integration
Connect via REST API or payment link, with no infrastructure of your own.
- 3
Charge
Your customer pays with Pix and confirmation arrives in seconds.
- 4
Settlement
Funds credited to your account with a reconciled statement.
Verticals
Verticals we serve
Available
E-commerce
Pix at checkout with immediate order confirmation.
Available
SaaS and subscriptions
Recurring charges per billing cycle, with your own reference and automatic reconciliation.
Available
Marketplaces
Centralised collection with per-order reconciliation and automatic seller split.
Available
Travel
Bookings with an expiry window defined per charge.
Available
Education
Tuition and enrolment with per-student reconciliation.
Available
Digital services
One-off payments by link, with no development.
Suspended
iGaming and Digital Entertainment
Vertical suspended in Brazil following the Provisional Measure signed on 25 September 2026.
Notice: following the Provisional Measure (MP) signed on 25 September 2026, fixed odds betting operations in Brazil are suspended, including new Pix deposits. CruziaPay will resume this vertical only when the legal framework allows.
See requirements by market →Infrastructure
Smart Routing
Multi-acquirer routing selects the best route in real time across regional partners, with automatic failover.
Your operation
API · Checkout · Links
CruziaPay
Payment router
Partner · BR
LivePartner · MX
LivePartner · CO
LivePartner · PE
LivePartner · AR
LivePartner · CL
Live
Coverage
LATAM methods and coverage simulator
Pick one of 12 markets to see methods, status, settlement window and required KYC documents.
Country
Local methods
- Pix QR CodeLive
- Pix Copia e Cola (copy and paste)Live
- Pix payment linkLive
- BoletoLive
- CardsLive
- Pix outLive
Settlement window
D+0 to D+1
International settlement terms defined per contract.
KYC documents
- Articles of incorporation
- Tax registration (CNPJ)
- Shareholder / UBO IDs
- Proof of address
- Settlement bank details
Compliance
Security and compliance
Data travels encrypted in transit and is stored encrypted at rest. Internal access is role controlled, with audit logging of sensitive operations. Anti fraud monitoring evaluates charge and settlement patterns. Onboarding follows KYC and AML policies, including document verification of the company and its shareholders. Personal data processing follows Brazil's LGPD.
CruziaPay operates as a payment facilitator. Payment processing is carried out in partnership with institutions authorised in each market where services are offered. CruziaPay is not a licensed financial or payment institution and does not present itself as one.
Card data is captured and tokenised by a PCI DSS certified partner institution. CruziaPay does not store the full card number or security code and processes only the token and minimum transaction data.
We do not onboard businesses on our prohibited list. Gaming operators must hold a valid license in each market and comply with responsible gaming and age verification (18+) requirements.
Developers
REST integration, webhooks and sandbox
The API is REST with secret-key authentication sent in the header. Every charge carries your own reference, which keeps reconciliation simple on your side.
State changes are notified through signed webhooks, with retry on failure. The sandbox reproduces the full charge and confirmation cycle with no real movement of funds.
POST https://api.cruziapay.com/v1/chargesAuthorization: Bearer sk_test_xxxContent-Type: application/json{ "method": "pix", "amount": 24990, "currency": "BRL", "reference": "order_10482", "expires_in": 3600, "customer": { "name": "Maria Souza", "tax_id": "000.000.000-00 (test data)" }}Illustrative example. Endpoints and fields may change before documentation is published.
FAQ
Frequently asked questions
Pix, credit and debit cards, boleto, Pix instalments, digital wallets, Pix out and local Latin American methods are live through the same integration.
Pix is confirmed in seconds, 24/7. Local settlement runs from D+0 to D+1 business day. International settlement follows the currency and timing agreed in your contract.
A REST API with secret key authentication, signed webhooks with retry, and your own reference on every charge. Payment links are available for teams that need no development.
Articles of incorporation, tax registration, shareholder and UBO identification, proof of address and settlement bank details. Foreign companies submit the equivalent documents from their home jurisdiction.
Yes. CruziaPay is built for global businesses selling to Brazilian customers, with international settlement structured through authorised partners under the terms agreed commercially.
Talk to the team to configure the methods, currencies, limits and commercial terms suited to your market and operation.
Start accepting Pix today
Talk to the team and get an integration design for your operation.
Contact
Talk to the commercial team
Describe your operation and the team replies with an integration design and applicable terms.