Paiements Pix
Cardflo prend en charge Pix, le système de paiement instantané du Brésil, permettant aux commerçants d'accepter les paiements en temps réel directement à partir des comptes bancaires des clients.
Cette intégration donne accès à un marché en croissance rapide, offrant une méthode de transaction sécurisée et efficace qui améliore la conversion et réduit les frictions de paiement.
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L'aperçu
Pix is the instant payment infrastructure developed and managed by the Central Bank of Brazil, functioning as a real-time account-to-account transfer mechanism.
Since its launch in late 2020, it has become a primary method for digital transactions in the Brazilian market, often displacing traditional credit card and boleto bancário volumes.
The system operates via a 24/7 technical framework, allowing users to initiate payments using a QR code, a dedicated Pix Key, or copy-and-paste codes.
For merchants, Pix sits within the wider payment stack as an Alternative Payment Method that requires integration through an acquirer or PSP capable of facilitating Brazilian Reais (BRL) settlement.
This method bypasses traditional card scheme loops, potentially reducing the intermediary steps between customer authorisation and merchant settlement.
Its adoption is driven by high mobile penetration and the mandates of the Brazilian financial regulatory environment, making it a critical component for any cross-border merchant targeting the South American region.
Comment ça marche
Payment Initiation at Checkout
When a customer selects Pix at the checkout, the merchant's gateway communicates with the Brazilian PSP to generate a unique QR code or a text-based Pix string.
This payload contains the transaction value, expiry time, and receipt details necessary for the Central Bank's instant payment system to identify the specific order.
Customer Authentication and Authorisation
The customer opens their banking application and scans the QR code or pastes the string. They authenticate the transaction within their bank's secure environment, often using biometrics or a PIN.
This bank-led authentication satisfies local security requirements and ensures the customer has sufficient funds in their account before proceeding.
Real Time Fund Transfer
The Central Bank of Brazil's DICT (Identifier Cache Directory) validates the Pix Key, and the funds are moved instantly from the payer's account to the recipient's account.
This transfer occurs within the SPI (Instant Payments System) infrastructure, ensuring the transaction is finalised and irrevocable in a matter of seconds.
Notification and Webhook Confirmation
Upon successful transfer, the Brazilian PSP sends an asynchronous notification to the merchant's gateway.
The gateway then triggers a webhook to update the merchant's order management system, marking the transaction as paid and allowing for immediate digital delivery or physical fulfilment of the goods or services.
Pourquoi c'est important
Market Penetration in Brazil
Pix has achieved significant ubiquity across Brazil, reaching a large demographic that may not have access to international credit cards or who prefer to avoid debt instruments.
For merchants, supporting Pix is often necessary to compete in the Brazilian e-commerce landscape, as it is frequently the preferred method for millions of active consumers who prioritise the speed and security of mobile banking transfers.
Reduced Settlement Latency
Standard credit card processing in Brazil often involves long settlement cycles, sometimes exceeding 30 days for local acquirers. Pix operates on a real-time basis, meaning funds are typically cleared and available to the merchant or their local representative far faster than traditional methods.
This can improve cash flow management and reduce the dependency on expensive receivables discounting or financing.
Lower Transactional Rejection Rates
Unlike card payments that may suffer from soft declines due to anti-fraud filters or credit limits, Pix transactions are push-payments initiated by the user. This flow generally results in higher successful authorisation rates.
Because the customer must have the balance available to complete the transfer, the risk of non-payment or subsequent chargebacks related to 'insufficient funds' is fundamentally eliminated.
Cas d'usage
Cross-border E-commerce
International retailers selling digital or physical goods into Brazil can use Pix to increase local conversion. It allows these merchants to compete with local entities by providing a familiar checkout experience while managing BRL to USD or EUR conversion through their PSP.
Digital Subscriptions and Gaming
For services requiring low-friction top-ups or monthly access, Pix offers a fast way for users to fund accounts. The instant nature of the payment is particularly beneficial for gaming platforms where users demand immediate access to credits or virtual items.
Travel and Hospitality
Travel agencies and airlines use Pix to confirm bookings instantly without the risk of card reversals. Given the high average transaction value in travel, the lower percentage fees of Pix compared to credit cards can result in significant margin protection.
En chiffres
This reflects the typical success range for push-payments in Brazil where funds are verified instantly, compared to lower rates for international card processing.
This refers to the industry-standard time for the Central Bank of Brazil to move funds between participating financial institutions within the SPI network.
Merchants often observe this range of reduction in processing fees when shifting volume from domestic credit cards to Pix, depending on their existing interchange profile.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Paiements Pix
- Intégration directe avec le réseau de paiement instantané Pix au Brésil.
- Traitement et règlement des transactions en temps réel.
- Accès à une base de consommateurs brésiliens large et en expansion.
- Réduction des coûts de traitement des paiements par rapport aux méthodes traditionnelles.
- Sécurité renforcée grâce à l'authentification par code QR et clé Pix.
- Amélioration des taux de conversion grâce à une option de paiement locale populaire.
- Support for both mobile-first and desktop-based checkout flows via secure QR authentication.
- Integration with local KYC and AML protocols through established Brazilian financial institution partnerships.
- Real-time payment status updates via robust webhook notifications for automated order fulfilment.
- Full compatibility with Brazilian regulatory standards and LGPD data protection requirements.
A short scoping call, then a written plan for your MIDs.
Questions about Paiements Pix
Qu'est-ce que Pix et comment ça fonctionne ?
Pix est un système de paiement instantané développé par la Banque Centrale du Brésil (Central Bank of Brazil).
Il permet aux particuliers et aux entreprises d'effectuer et de recevoir des paiements en temps réel, 24h/24 et 7j/7, à l'aide de codes QR ou de « clés Pix » liés à des comptes bancaires. Ce système facilite les virements de fonds immédiats.
Pourquoi les commerçants devraient-ils proposer les paiements Pix ?
Proposer les paiements Pix est crucial pour les commerçants ciblant le marché brésilien. C'est une méthode de paiement largement adoptée et préférée, garantissant des taux de conversion plus élevés et une meilleure satisfaction client.
Pix réduit également les coûts de transaction et fournit une confirmation de paiement instantanée, rationalisant les opérations.
Pix est-il sécurisé pour les transactions de grande valeur ?
Pix intègre des mesures de sécurité robustes mandatées par la Banque Centrale du Brésil, y compris des protocoles de cryptage et d'authentification.
Bien que des limites puissent être fixées par les banques individuelles, il est considéré comme sécurisé pour diverses valeurs de transaction, offrant un rail de paiement fiable pour les commerçants.
Is 3-D Secure required for Pix transactions?
No, 3-D Secure is a protocol specific to card-based transactions (Visa, Mastercard, etc.) Pix uses its own authentication layer mediated by the customer's banking app.
Because the user must log in to their bank and authorise the transfer using their existing security credentials (such as MFA or biometrics), it provides a level of security comparable to or exceeding SCA requirements in other jurisdictions.
This reduces the friction of extra passwords or redirections often associated with card-based 3DS flows.
How does Pix handle currency conversion for cross-border retailers?
For a merchant based outside Brazil, the checkout displays the price in BRL. The Pix infrastructure processes the local currency.
The gateway or PSP facilitating the transaction manages the FX conversion. The merchant receives their settlement in their chosen functional currency.
The exchange rate is usually determined at the time of the transaction or according to a daily rate set by the acquirer. It is essential for merchants to analyse the spread and any associated FX fees to understand the total cost of acceptance.
What data is required from the consumer to complete a Pix payment?
To initiate a Pix payment, the consumer typically only needs to provide their CPF (Brazilian tax ID) or name at the point of checkout, depending on the merchant's KYB/AML requirements.
The actual payment is performed by scanning a QR code or using a Pix key entry.
This minimal data entry at the checkout stage reduces cart abandonment, as the customer does not need to manually enter long card numbers, expiry dates, or CVV codes, which are prone to manual error.
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