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.
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:
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_
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_
capability.payments
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_
parameter in the field payment_
for Pix.
amount_includes_iof | Description |
---|---|
never | This 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. |
always | You 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_iof | Suggested Language (English) | Suggested Language (Brazilian Portuguese) |
---|---|---|
never | This 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. |
always | This 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.
Transaction limits 
The amount for a single Pix must be at least 5 BRL and no more than 1,000 USD. Additionally, a single buyer can’t transact more than 10,000 USD per month with any single business.
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.