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Pix is a real-time payment method in Brazil that lets customers pay by scanning a QR code or copying a Pix string in their banking app. In PayNext, Pix is currently available through Stripe. Our current integration also supports recurring Pix flows (Pix Automático) in private preview.

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Payment Method Details

Customer locationsBrazil
Supported currenciesBRL
Recurrent payments✓ (Pix Automático)
Manual capture support✗
Refunds✓
Supported processorsStripe

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Prerequisites

  1. Connect and activate the Stripe integration in PayNext
  2. Enable Pix in your Stripe Dashboard under Settings → Payment methods
  3. Make sure Pix is enabled for your Stripe account and environment
  4. Turn on Pix in your PayNext checkout configuration
Pix is available only for BRL payments for customers in Brazil.

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How it works

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Initial payment

The customer selects Pix at checkout and completes the payment by scanning a QR code or copying the Pix string in their banking app.

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Recurring setup (Pix Automático)

For recurring Pix flows, PayNext first creates a Pix setup with mandate details. After the customer approves the setup, the initial payment is created and future recurring charges are scheduled according to the mandate configuration. Important notes for recurring Pix:
  • the subscription cadence must match the mandate payment_schedule
  • only one Pix payment can be scheduled per billing cycle
  • supported recurring cadences are weekly, monthly, quarterly, halfyearly, and yearly
  • daily billing is not supported

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IOF handling

For international businesses, Stripe applies Brazilian consumer tax (IOF) handling for Pix. Default behavior:
  • amount_includes_iof = never
  • the customer pays the IOF
  • the amount shown in the customer’s banking app is marked up by 3.5%
Alternative behavior:
  • amount_includes_iof = always
  • the merchant absorbs the IOF
  • Stripe deducts the IOF from settlement
If you use a direct API integration, you must show the appropriate customer disclosure based on the selected IOF behavior.

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Testing

1

Configure Stripe credentials

Use the correct Stripe environment in your PayNext integration and make sure Pix is enabled for that account.
2

Create a Pix payment

Start a Pix payment via PayNext checkout using BRL for a customer in Brazil.
3

Complete customer approval

Complete the payment by scanning the QR code or using the Pix string in the banking app.
4

Verify the initial payment

Confirm the payment appears in the PayNext dashboard and that the final successful status is received via Stripe webhook.
5

Verify recurring behavior

For recurring Pix flows, confirm that the next payment is scheduled according to the configured billing cycle and mandate settings.

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Refunds

Pix payments can be refunded after a successful payment. Refund handling follows Stripe processing and webhook updates in PayNext.

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Notes

  • Pix does not support manual capture.
  • For recurring Pix, mandate configuration must stay aligned with the subscription billing cycle.