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Pix paymentsPublic preview

Learn about Pix, a common payment method in Brazil.

Pix is a real-time payment system developed by the Central Bank of Brazil. The service works by transferring funds between two bank accounts. To pay with Pix, customers authenticate and approve by scanning a QR code or copying a Pix string in their preferred banking apps.

  • Customer locations

    Brazil

  • Presentment currency

    BRL

  • Payment confirmation

    Customer-initiated

  • Payment method family

    Real-time payment

  • Payout timing

    Standard payout timing applies

  • Recurring Payments

    No

  • Connect support

    Yes

  • Dispute support

    No

  • Manual capture support

    No

  • Refunds / Partial refunds

    Yes / yes

Payment flow

Selects Pix at checkout

Receives Pix string and/or QR code

Makes a payment through bank apps or internet banking

Receives notification that payment is complete

Getting started

You don’t have to integrate Pix and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable Pix. To get started with one of our hosted UIs, follow a quickstart:

  • Checkout: Our prebuilt, hosted checkout page.
  • Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add Pix from the Dashboard:

To manually list payment methods, learn how to manually integrate payment method.

Disputes

Disputes are permitted in a limited set of circumstances. Buyers can raise disputes with their banks and must provide evidence of their issue, for example, fraud or account takeover. You can’t challenge such disputes. If Stripe is notified that our partner has accepted a request to return customer funds, Stripe removes the funds from your account.

Refunds

You can refund Pix payments up to 90 days after the original payment date and view the refund reflected in your account within a few minutes.

Connect

Use Stripe Connect with Pix to process payments on behalf of connected accounts. Connect users use Pix with the following charge types:

Pix is only supported on Connect where connected accounts are in the same country as the platform.

Accept Pix payments as the connected account

Direct charges and charge types using the on_behalf_of parameter require the connected account itself (not the platform) to have activated the Pix payment method. Connect platforms can use the pix_payments capability to determine whether that’s the case for a connected account:

  • In the case of connected accounts that use the Stripe Dashboard, the owner of the account needs to activate the payment method in their Payment methods settings in the Dashboard.
  • In the case of connected accounts that use the Express Dashboard or a dashboard that isn’t hosted by Stripe, the platform needs to request the pix_payments capability.

Transaction limits

The amount for a single Pix must be at least 0.50 BRL and no more than 3,000 USD.

Additionally, a single buyer can’t transact more than 10,000 USD per month with any single business.

Handle Brazilian consumer tax (IOF)

IOF is a Brazilian tax applicable on all transactions that include a foreign exchange taking place (for example, from BRL to USD). The IOF is collected from Brazilian buyers paying international merchants (that is, those domiciled outside of Brazil). The current rate is 3.5% of the transaction value.

Note

The IOF rate can be subject to change by the Brazilian authorities. Check Stripe’s Documentation periodically in case of changes.

Stripe abstracts the complexity of this IOF fee for you, handling its collection and remittance through our partner. However, you must decide on how you want to present this tax to your customer. By default, your customer pays for the IOF. To change this behavior, you can use the amount_includes_iof parameter in the field payment_method_options for Pix.

amount_includes_iofDescription
neverThis is the default behavior where your customer pays for the IOF. The amount that you collect on a Payment Intent will be marked up by 3.5% in your customer’s banking app.
alwaysYou absorb the IOF on behalf of your customer. If you think an extra 3.5% could hurt conversion, you can elect to pay the IOF on behalf of your customer. In this scenario, the IOF is deducted from your settlement.

If you’re integrating Pix through Checkout or Elements, Stripe handles customer disclosures on your behalf.

If you’re an API user, you must show the appropriate disclosures based on which IOF handling option you choose. See the following section for suggested language.

IOF suggested language for API users

If you’re integrating as a Direct API user, you must show the appropriate customer disclosures for processing Pix transactions at checkout, depending on which IOF handling option you choose:

amount_includes_iofSuggested Language (English)Suggested Language (Brazilian Portuguese)
neverThis is an international purchase and excludes a 3.5% IOF fee. By proceeding, you acknowledge and accept Ebanx’s terms and conditions.Esta é uma compra internacional e não inclui a tarifa de 3.5% de IOF. Ao prosseguir, você reconhece e aceita os termos e condições do Ebanx.
alwaysThis is an international purchase and includes a 3.5% IOF fee. By proceeding, you acknowledge and accept Ebanx’s terms and conditions.Esta é uma compra internacional e inclui a tarifa de 3.5% de IOF. Ao prosseguir, você reconhece e aceita os termos e condições do Ebanx.

Customer communications

Receipts

In Brazil, businesses commonly send a receipt for each transaction and itemize the IOF amount.

By default, our Pix partner, Ebanx, sends customer receipts. If you want to disable those emails and send your own receipts, include a line item for the IOF amount. If you absorb the IOF fee, we recommend itemizing the IOF amount in your customer receipts.

To disable these emails, go to your Customer emails settings and use the Pix payments section to disable Pix receipts.

Complete transaction reminder emails

Enable customer emails to help them complete the transaction. The email includes a Pix QR code and Pix key that they can scan outside the checkout flow.

These emails are disabled by default. Enable them in the Stripe Dashboard at Customer emails settings in the Pix payments section.

Statement descriptor

Stripe’s service provider, “Ebanx”, is shown as the recipient of payments, and in the statement descriptor in the customer’s bank statements. Your business name appears in the Message to payor field when making a payment.

Prohibited business categories

In addition to the industry and business categories listed in Prohibited and Restricted Businesses, the following categories aren’t allowed to use Pix:

  • Crypto businesses
  • Insurance companies
  • Telehealth / medicine vendors
  • Non-profits and charities

For more information about Pix eligibility for your account, go to your Payment methods settings.

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