Accept Pix payments

Pix is an instant payment platform created by the Central Bank of Brazil that enables real-time bank transfers. PayPal’s Pay with Pix allows you to accept instant payments from buyers in Brazil and receive settlement in Brazilian Real (BRL).

With this payment method, you can:

• Accept payments using a scannable QR code or a copy-and-paste text string.
• Reach buyers with Pix-enabled bank accounts or wallets.
• Settle money to a dedicated PayPal Pix balance in BRL.
• Withdraw Pix payments to a linked bank account on the next business day (D+1) after the payment is received in your PayPal account.
• Issue full or partial refunds within 90 days.

Pay with Pix helps your business:

• Reach customers in Brazil through the country’s most trusted and widely used instant payment method.
• Streamline checkout by accepting Pix payments from all major banks and digital wallets using scannable or copy-and-paste codes.
• Simplify integration by enabling Pix through your existing PayPal setup.
• Generate QR codes with customizable expiration times of up to 72 hours.
• Accept payments of any amount to remove barriers for small-value transactions. Set minimum payment amounts above the fee configured for your account.
• Offer flexible customer service with full or partial refunds available for up to 90 days after payment settlement.
• Access your Pix payments daily with automatic next-day transfers to your account through your registered Pix key.
• Monitor your Pix payments with a dedicated balance that updates in real time and remains separate from your other PayPal payment methods.

1. Buyer: Selects Pay with Pix at the merchant's checkout page.
2. Merchant | Partner: Creates an order using PayPal's Orders v2 API with Pix as the payment source.
3. PayPal: Returns an order ID along with Pix payment data (text for QR code generation and copy-and-paste string) in the response. 
4. Merchant | Partner: Generates a QR code image from the provided text data and displays it along with the copy-paste string as payment instructions on the checkout confirmation page.
5. Buyer:
   • Scans the QR code or copies and pastes the text into their bank or wallet app
   • Authenticates and approves the payment within their app
6. PayPal: Notifies the merchant of customer approval.
7. Merchant | Partner completes the payment:
   1. Automatic flow: PayPal immediately captures payment and completes the order
   2. Manual flow: Merchant captures the payment after receiving the customer approval notification
8. PayPal: Credits the payment to the merchant's Pix balance in BRL.
9. Merchant | Partner: Notifies the buyer that the payment is complete and fulfils the order.

• Account type: You must have a PayPal Business account and be onboarded for Pay with Pix.
• Geographic availability: Available only to Brazilian merchants using BRL as both the presentment and settlement currency.
• Buyer coverage: Available to any payer with a Pix-enabled bank account, digital wallet, or fintech app in Brazil.
• Platform availability: Available for current PayPal for Business or Platforms integrations using the Orders V2 API.
• Minimum transaction: Accept payments in BRL, with the minimum amount set higher than your transaction fee.
• Refunds: Supported for full or partial refunds within 90 days of payment settlement.

• Geographic restrictions: Available only for Brazilian market transactions.
• Settlement currency: Pix supports settlement only in BRL.
• Pix payments usage: Pix payments cannot be used for purchases or internal transfers and must be withdrawn in full.
• Manual withdrawal fee: 0.1 BRL charged for manual withdrawals.