PIX

Content on PIX — Brazil’s 24/7 instant payment rail by Banco Central do Brasil — for high-risk merchants (iGaming/betting, FX/CFD, adult, crypto/CASP, nutraceuticals). We cover:

What PIX is & why it helps

• Real-time, push payments with immediate settlement (T+0) and low cost; no card rails or chargebacks.

• Strong local trust and coverage across Brazil → higher approval vs cards for domestic payers.

Main PIX variants

• Standard (push via key: CPF/CNPJ, phone, email, EVP/random).

• QR: static vs dynamic QR (with txid, amount, expiry, payer data hints).

• Cobrança (billing/invoicing, due-date & partial payments).

• Scheduled PIX, PIX Saque/Troco (cash-out at merchants).

Integration & ops

• Checkout flow (deep link/QRCode → app selection → push confirmation).

• Webhooks/callbacks, reconciliation via E2E ID (e2eid) and txid; idempotency and retry guidance.

• Limits & SLAs: PSP-level amount/velocity limits; nighttime caps; payer authentication inside the banking app.

Risk & compliance (high-risk focus)

• No classic chargeback, but MED (Special Return Mechanism) and MBC (precautionary block) allow fraud-driven reversals/holds via PSPs.

• KYC/KYB, KYT and sanctions/geo controls remain critical; validate CPF/CNPJ and apply device/behavioral checks.

• Many Brazilian PSPs restrict or prohibit certain high-risk verticals—use compliant partners and disclose use-cases during onboarding.

• Payouts: instant withdrawals to customer PIX keys with name/CPF matching.

When to use this tag

• Brazil country playbooks, APM coverage pages, gateway/orchestration guides, approval-rate optimization for BR traffic, payout flows to BR users.