• Insights
May 7, 2026 How to integrate Pix into your payments app?

  • kamiPay

If you operate a fintech, wallet, or payment platform, you’ve probably asked yourself this question: how do I integrate Pix without operating in Brazil?

We’re talking about the largest real-time payment system in the region, with over 170 million active users and a transaction volume that exceeded R$ 1.7 trillion last year.

Small spoiler: integrating it means solving a complex chain of operational layers, including having a regulated entity in Brazil, FX conversion infrastructure, cross-border settlement, and compliance management.

At kamiPay, we solve this complexity with API infrastructure so that apps wanting to offer Pix payments and collections don’t need to set up an operation in Brazil. In this post, we explain how it works and what it means for your product.

Or, if you prefer, you can speak with a Pix integration specialist now

The problem kamiPay’s Pix API solves

When a fintech wants to integrate Pix, it faces three structural barriers:

  1. It needs a regulated entity in Brazil to participate in the Pix ecosystem. This means opening a subsidiary, obtaining licenses, hiring local staff, and maintaining Brazilian compliance infrastructure.
  2. It needs to solve real-time FX conversion. Pix operates in BRL. If your product settles in USD, USDT, or any other currency, you need to orchestrate the conversion at the moment of transaction without exposing your user to volatility or delays.
  3. It needs to settle funds outside the Brazilian financial system. Receiving BRL via Pix is one thing. Having those funds end up as usable balance in your platform (in the corresponding currency) is quite another.

For most fintechs, solving this internally doesn’t make much sense.

How the Pix collection flow works

The pay-in flow allows your fintech users to collect funds via Pix from anywhere, regardless of where the payer is located.

Operating mechanics

  1. The user requests a collection from your app and our embedded solution generates the Pix QR code or payment link.
  2. The payer pays from any Brazilian banking app or wallet that supports Pix (Nubank, Inter, Banco do Brasil, etc.).
  3. We receive the BRL via Pix in our regulated infrastructure in Brazil.
  4. We convert to the target currency in real time using the spot exchange rate of the moment.
  5. We settle to your predefined wallet or account. You credit the balance in the end user’s account.

The entire flow happens in a few seconds. From the user’s point of view, they collected via Pix and the money appeared in their balance almost instantly.

Real use cases

  • Fintechs operating worldwide that want to allow their users to collect from Brazilian clients without opening an account in Brazil.
  • Remittance platforms that receive payments in BRL and settle to wallets or bank accounts.
  • Cross-border marketplaces with sellers outside Brazil but demand in the country.

How the Pix payment flow works

The pay-out flow works in reverse: the user pays in BRL via Pix while your app debits the equivalent in the corresponding currency.

Operating mechanics

  1. The user requests a payment from your app by scanning a Pix QR or entering a Pix key of the recipient in Brazil.
  2. Our solution calculates the equivalent in the source currency (USDT, USD, etc.) and your app displays it to the user for confirmation.
  3. Your app debits the equivalent amount from the user’s balance in their local currency or crypto.
  4. We execute the FX conversion in real time and pay the recipient in BRL via Pix instantly.
  5. kamiPay debits the equivalent from your fintech’s pre-funded account.

From the recipient’s point of view in Brazil, it was a normal Pix payment. From your user’s point of view, they paid with balance in local currency or crypto from your app. The flow is designed to guarantee a cross-border payment experience equivalent to a domestic real-time payment.

Real use cases

  • Users of your app traveling to Brazil and paying for hotels, restaurants, ubers, etc., with balance in their local currency.
  • Outbound remittances to Brazil where the sender pays in their preferred currency and the beneficiary receives BRL via Pix.
  • B2B fintechs with recurring payments to suppliers in Brazil (payroll, freelancers, suppliers).

Technical implementation: what the integration includes

The complete integration includes:

  • REST API with complete documentation for pay-in and pay-out.
  • Real-time webhooks for transaction status notification (pending, confirmed, settled, failed).
  • Sandbox environment to test end-to-end flows without moving real funds.
  • Technical support during integration (typically 2-4 weeks timeline).
  • Observability panel with complete traceability of each transaction.

kamiPay does not charge integration, onboarding, or setup fees.

SLA, uptime and operational support

We operate with:

  • 99.9% guaranteed monthly uptime on core services.
  • Enterprise support during business hours (9:00-18:00 UTC-3) with response in ≤ 1 business day.
  • Priority incidents (affected funds, potential platform outage): response ≤ 1 business hour.

The architecture is designed on scalable and resilient infrastructure, with scheduled maintenance at least 48 hours in advance during low-activity windows.

Compliance, AML and risk management

The compliance responsibility model is hybrid:

  • KYC/KYB of end users: performed by the integrating fintech. We do not interact directly with the end user.
  • Transaction monitoring and AML controls: kamiPay monitors in real time and maintains regulatory controls over the Pix infrastructure.
  • Regulatory reports: according to applicable legal deadlines in Brazil.

If we detect risk patterns or suspicious activity, we may request additional information or implementation of fraud prevention measures by the integrating fintech.

Conclusion: Pix as infrastructure, not as a project

Pix is no longer a local Brazilian innovation. It’s regional real-time payment infrastructure that any fintech should be able to offer its users without having to set up a complete operation in Brazil.

The strategic question is not whether to integrate Pix, but how to do it in a way that doesn’t distract from your product’s core.

If you’re evaluating incorporating Pix into your roadmap, you can start in three ways:

👉 View the complete technical documentation

👉 Understand how it applies to your use case

👉 Speak with a kamiPay specialist now

We integrate the solution in weeks and accompany the end-to-end flow design so that Pix works as a natural part of your product 🚀🚀🚀

Contact sales