Send a PIX payment

Outbound PIX is a two-step flow: you initiate the payment to resolve the recipient and amount, then confirm it to actually move the money. Initiating returns the recipient’s details and an endToEndId so you can review before committing.

Flow

Step 1: Initiate the payment

You can initiate against a PIX key (DICT) or by scanning a QR Code (a Copia e Cola / EMV string the payee gives you).

By PIX key (DICT)
By QR Code (EMV)

curl -X POST \
  'https://api.banking.v2.portao3.com.br/realms/{realmId}/organizations/{organizationId}/accounts/{accountId}/wallets/{walletId}/pix' \
  -H 'Authorization: Bearer <accessToken>' \
  -H 'x-environment: LIVE' \
  -H 'Content-Type: application/json' \
  -d '{
    "initiationType": "DICT",
    "dict": "CPF",
    "key": "12345678909",
    "amount": 1230,
    "description": "Order 4821"
  }'

Field	Notes
`initiationType`	`DICT` for a key.
`dict`	Key type: `PHONE`, `EMAIL`, `CPF`, `CNPJ`, or `EVP` (random).
`key`	The key value. Phone as `+55XXXXXXXXXXX`; CPF is 11 digits; CNPJ is 14 characters, unformatted and uppercased — per Receita Federal NT 49/2024, CNPJs may include letters `A–Z` in the first 12 positions (only the last 2 check digits stay numeric).
`amount`	Centavos.
`description`	Shows on your statement.

curl -X POST \
  'https://api.banking.v2.portao3.com.br/realms/{realmId}/organizations/{organizationId}/accounts/{accountId}/wallets/{walletId}/pix' \
  -H 'Authorization: Bearer <accessToken>' \
  -H 'x-environment: LIVE' \
  -H 'Content-Type: application/json' \
  -d '{
    "initiationType": "DYNAMIC_QRCODE",
    "emv": "00020126..."
  }'

Pass the emv string read from the payee’s QR Code (or Copia e Cola). The amount comes from the QR Code itself.

The response resolves the transfer and returns status: "REQUESTED". Keep the external.pixId (the pixId) for the confirm step, and review creditParty (who you’re paying), txnUpdatedAmount (the final amount), and receipt.endToEndId (the BACEN receipt ID).

{
  "status": "REQUESTED",
  "txnUpdatedAmount": 1230,
  "creditParty": { "name": "...", "document": "...", "bankIspb": "00360305" },
  "receipt": { "endToEndId": "E31680151202507241356RJGLGPJ1CJU" },
  "external": { "pixId": "c7810c30-971f-4e84-8feb-b7819087d4de" }
}

Reference: POST .../wallets/{walletId}/pix

Step 2: Confirm the payment

Confirm the pixId to release the funds. Repeat the amount as a safeguard and pick the balance category to debit.

curl -X POST \
  'https://api.banking.v2.portao3.com.br/realms/{realmId}/organizations/{organizationId}/accounts/{accountId}/wallets/{walletId}/pix/{pixId}/confirm' \
  -H 'Authorization: Bearer <accessToken>' \
  -H 'x-environment: LIVE' \
  -H 'Content-Type: application/json' \
  -d '{
    "amount": 1230,
    "category": "FLEX_INTERNATIONAL"
  }'

A successful confirm returns status: "CONFIRMED" and the final endToEndId — your proof the payment settled. Reference: POST .../pix/{pixId}/confirm

Confirming a payment may require the transaction pin header depending on how your credentials are provisioned. See Authentication.

Next steps

Charge with PIX

Generate a QR Code to receive money instead of sending it.

Getting Started

Integration guides

Cards

PIX & payments

Accounts & wallets

Building your integration

Send a PIX payment

Flow

Step 1: Initiate the payment

Step 2: Confirm the payment

Next steps

Charge with PIX

Wallets for your customers

​Flow

​Step 1: Initiate the payment

​Step 2: Confirm the payment

​Next steps

Charge with PIX

Wallets for your customers

Flow

Step 1: Initiate the payment

Step 2: Confirm the payment

Next steps