Last updated: 26 June 2026 | Change log

Pix

Pix is a Brazilian instant payment method developed by the Central Bank of Brazil, enabling fast, secure, and cost-effective transactions.

Note

Make yourself familiar with our API principles to ensure a resilient integration.

Product overview

Pix flow overview

Pix is a payment method that allows your customers to make 24/7 transfers via QR code or unique emv code.

For gambling payments, you must provide identity documents for CPF validation. This includes names and identity documents information.

Feature summary

Payment type	Country	Acceptance currency	Recurring	Reversals	Partial reversals	Disputes
Bank Transfer	Brasil	BRL	❌	Refund - yes Cancel - no	Partial refund - yes Partial cancel - no	❌

When requesting a refund it is mandatory to provide the reason code.

Minimum transaction value: 0.01 BRL
Maximum transaction value: 50,000 BRL

Customer journey

QR code:

At checkout, your customer selects Pix as their preferred payment method.
They are presented with a Pix QR code on your checkout page.
Your customer logs into their banking app and navigates to the Pix view.

EMV code:

Your customer can choose to scan a QR code or copy+paste the EMV code to continue with the payment.
They scan the QR code.
The transaction details are displayed for your customer to review, and the customer then confirms the payment.
Payment is confirmed.

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Apply APM payment details directly using our APMs API, or use our Components SDK to create a session.

Example request

Collect the APM details and send an API request with these details to create a payment.

application/json

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "pix",
    "expiryIn": 1200,
    "value": {
      "amount": 250,
      "currency": "BRL"
    },
    "narrative": {
      "line1": "MindPalace"
    },
    "paymentInstrument": {
      "type": "direct",
      "country": "BR"
    },
    "customer": {
      "lastName": "James",
      "firstName": "Moriarty",
      "identityDocuments": {
        "reference": "12345678901",
        "type": "CPF"
      }
    }
  }
}

Parameters

transactionReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transactions, please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

the total amount for a single order is split across multiple payments
you use a single reference for each payment in a recurring agreement or split shipment scenario

merchantobject(MerchantV2)required

merchant.entitystring[ 3 .. 32 ] characters^([A-Za-z0-9\- ]*)$required

Used to route the request in Access Worldpay, created as part of on-boarding.

Example: "default"

instructionobject(InstructionV2)required

Object that contains the payment type and details.

instruction.methodstringrequired

Type of payment method.

Value"ach"

Discriminator

instruction.valueobject(ValueV2)required

The value of the payment.

instruction.value.currencystringrequired

The supported ISO 4217 currency codes.

Enum"AED""AFN""ANG""AOA""ARS""AUD""AWG""AZN""BAM""BBD"

instruction.value.amountinteger(int64)[ 1 .. 2147483647 ]required

The amount in the lowest denomination of the currency, e.g. pennies for GBP, cents for USD.

Example: 1234

instruction.narrativeobject(NarrativeV2)required

instruction.narrative.line1string[ 1 .. 24 ] characters^[a-zA-Z0-9-., ]*$required

The description shown on your customer's bank statement for the payment.

Example: "MindPalace"

instruction.paymentInstrumentobject(AchPaymentInstrumentV2)required

instruction.paymentInstrument.typestringrequired

Enum"direct""checkout"

Discriminator

instruction.paymentInstrument.accountTypestringrequired

Account type.

Enum"checking""savings""corporate""corporateSavings"

Example: "checking"

instruction.paymentInstrument.accountNumberstring[ 1 .. 17 ] characters^[0-9]*$required

Account number of direct debit account.

Example: "123456789"

instruction.paymentInstrument.routingNumberstring= 9 characters^[0-9]*$required

Routing number of direct debit account.

Example: "123456789"

instruction.paymentInstrument.checkNumberstring[ 1 .. 15 ] characters^[0-9]*$

Check number of the direct debit account.

Example: "123456789"

instruction.paymentInstrument.companyNamestring[ 1 .. 40 ] characters

Company name if a corporate account.

Example: "Joe Plumbing Ltd."

instruction.paymentInstrument.billingAddressobject(AchBillingAddress)required

instruction.paymentInstrument.billingAddress.address1string[ 1 .. 80 ] charactersrequired

First line of the address.

instruction.paymentInstrument.billingAddress.address2string[ 1 .. 80 ] characters

Second line of the address.

instruction.paymentInstrument.billingAddress.address3string[ 1 .. 80 ] characters

Third line of the address.

instruction.paymentInstrument.billingAddress.postalCodestring[ 1 .. 15 ] charactersrequired

Postal code.

instruction.paymentInstrument.billingAddress.citystring[ 1 .. 50 ] charactersrequired

City.

instruction.paymentInstrument.billingAddress.statestring[ 1 .. 30 ] characters

State code of the billing address in ISO 3166-2 format.

Example: "US-OH"

instruction.paymentInstrument.billingAddress.countryCodestringrequired

The supported ISO 3166-1 alpha-2 country codes.

Enum"AD""AE""AF""AG""AI""AL""AM""AN""AO""AQ"

instruction.customerobject(CustomerDetailsAch)required

instruction.customer.emailstring[ 1 .. 128 ] characters^(.+@.+\..+)?$

Your customer's email address.

Example: "customer@example.com"

instruction.customer.firstNamestring[ 1 .. 22 ] charactersrequired

Your customer's first name.

instruction.customer.lastNamestring[ 1 .. 22 ] charactersrequired

Your customer's last name.

instruction.customer.customerIdstring[ 1 .. 15 ] characters[a-zA-Z0-9]*

Your unique reference for the customer so that the 'pay faster next time' function can be used during checkout. This allows your customer's chosen bank to be stored for their next payment.

Example: "44528abcd"

Response

Example response

{
  "paymentInstrument": {
    "method": "pix",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtJHtzcHJpbmcucHJvZmlsZXMuYWN0aXZlfSIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdN8MbBQB9vAYY5mA9Nq7wGjDWpyzMQlvDbyPmj8n3JAiTQW8Eq5Lj6LFzcEh8YV9gCZBzLZbEeWUoPvb2T9Qf55NxtdjYFiEp3rMOHqwYKWa1TJnWx7:xasdm:Pw6YUNDd54rfT6hMMjSKiEe6HkFm9OABSOmQQkCNB2I+LQDvl0dkMgT:LWHf7rure13T5C:wQ6sGi9VYvEB5k55y2sensiXY0Yl+:o+DhIRXOVuFuo+ARMtBeZHQd:UvEu:Hn4G9xGyOnhtYhmEettFU39blHd8:YTicoyChKkMubbmwZVm3Ep4DHaGaITF1cpZDOi7Q==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://access.worldpay.com/eyJrIjoiYXBtLXNlcnZpY2UtJHtzcHJpbmcucHJvZmlsZXMuYWN0aXZlfSIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdN8MbBQB9vAYY5mA9Nq7wGjDWpyzMQlvDbyPmj8n3JAiTQW8Eq5Lj6LFzcEh8YV9gCZBzLZbEeWUoPvb2T9Qf55NxtdjYFiEp3rMOHqwYKWa1TJnWx7:xasdm:Pw6YUNDd54rfT6hMMjSKiEe6HkFm9OABSOmQQkCNB2I+LQDvl0dkMgT:LWHf7rure13T5C:wQ6sGi9VYvEB5k55y2sensiXY0Yl+:o+DhIRXOVuFuo+ARMtBeZHQd:UvEu:Hn4G9xGyOnhtYhmEettFU39blHd8:YTicoyChKkMubbmwZVm3Ep4DHaGaITF1cpZDOi7Q=="
    }
  },
  "_actions": {},
  "redirect": "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",
  "commandId": "cmdfD7kJPxS4EiQhq3zCFcny0",
  "transactionCode": "00020101021226930014br.gov.bcb.pix2571qrcode-h.pix.celcoin.com.br/pixqrcode/v2/4657b05124fdc0451ce94a2be36c345204000053039865802BR5907MENSA026014Belo Horizonte62070503***6304CC16"
}

Note

The response for Pix in Try does not contain the QR code and the transaction code. In Try, the payment can be authorised by accessing the redirect URL.

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring

Enum"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"

_linksobject(Links)

Links to resources related to the request.

_actionsobject(ActionsV2)

redirectstring

The URL to redirect your customer to, or a QR code in Base64 to show to your customer, in order to complete the transaction.

commandIdstring

An action ID generated by us, identifying a single merchant interaction.

Example: "cmdYNdIHBPJwbkjLiykzTx0"

paymentInstrumentAll others (object) or PayPal (object) or SEPA DD (object) or Klarna (recurring) token (object)(PaymentInstrument)

Payment instrument details for the payment response.

One of:

Payment instrument for: ACH, Alipay China, Alipay Hong Kong, Alipay Plus, BANCOMAT Pay, Bancontact, Bizum, BLIK, EFT, Euteller, iDEAL guest, iDEAL recurring, Klarna, Klarna (recurring), Konbini, Multibanco, MyBank, Open Banking, PaysafeCard, Pix, Przelewy24, SafetyPay, Satispay, Swish, Trustly, China UnionPay, WeChat Pay.

transactionCodestring

For Pix payments - display to your customer for them to copy and paste in the Pix app.

For Swish payments - use this value as the {token} in the custom URL scheme: swish://paymentrequest?token={token}&callbackurl={callbackURL}. This will prompt the app to open, allowing your customer to complete their payment.

Example: "IZQ3iUfePwiWiwldJlipl8NGVA7w5IUg"

Errors

Check out our API reference for more responses or error codes.

Next steps

Manage your Pix payment

Pix

Pix flow overview

Feature summary

Customer journey

QR code:

EMV code:

Get started

Request

Example request

Parameters

Response

Example response

Schema

Errors

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