April 6, 2026 Pix API for Fintechs: how to integrate payments and collections in BRL from anywhere
Share on
At kamiPay, we started building on Pix in 2022, when it was still perceived exclusively as a domestic innovation within Brazil. From the beginning, we saw something different: beyond being a local system, Pix had the potential to redefine cross-border transactions across the region.
That intuition quickly became evident. As volumes grew and our MVP gained traction, Pix began to occupy a structural role in all kinds of financial products that interact with Brazil.
Today we work with fintechs, wallets, point-of-sale systems, and management platforms that need to integrate Pix into their products. And the same question always comes up: how to adopt this RTP efficiently in an increasingly complex operational context, driven by the evolution of the protocol itself.
In this article, we share how we approach this challenge at kamiPay and what it means to work with a Pix API for fintechs designed to resolve cross-border flows in real time.
Integrating Pix outside Brazil: an additional layer of complexity
Pix is, from a technical standpoint, an extremely solid system. It operates in real time, has clear standards, and delivers a consistent experience. But it was designed for a domestic environment.
When extended to international flows, challenges emerge that are not part of the system’s original design.
It is not simply a matter of connecting to Pix, but of operating across a series of additional layers:
→ Interaction with regulated entities in Brazil
→ Identity resolution through DICT (Pix key directory)
→ Payment orchestration via dynamic QR codes or Pix keys
→ Real-time transaction state management
→ Reconciliation in asynchronous environments
→ BRL conversion to other currencies
→ Settlement outside the Brazilian financial system
From an architecture perspective, integrating Pix into an international product means coordinating systems that operate under different regulatory and operational frameworks.
In practice, what appears to be a one-off integration ends up being an infrastructure project.
How we designed our Pix API for fintechs
Our approach was to design an API that allows technical teams to work with Pix within
international flows without having to rebuild the underlying infrastructure.
This means abstracting not just payment processing, but also:
→ System coordination
→ Currency conversion
→ Settlement
→ Event notification
The goal is for Pix to integrate as just another component within a fintech’s architecture, maintaining consistency with the rest of its rails.
You can learn more about how we structure these flows in our API Pay-in, API Pay-out, and Banking & Fintech Solutions pages.
Pay-in with Pix: receiving BRL in cross-border contexts
In the case of collections, our API allows generating payment requests in reais that can be executed by any user within the Pix ecosystem.
Up to that point, the flow is familiar. The complexity appears when that payment must be transformed into a usable credit outside Brazil.
At kamiPay, we resolve that transition in real time, allowing funds to be credited directly in the currency defined by the integrating fintech — whether ARS, USDt, or another.
This enables a range of use cases that are growing rapidly today:
→ Fintechs offering their clients the ability to collect from Brazilian users via Pix
→ Platforms collecting for services from abroad
→ Marketplaces with demand in Brazil
What matters is not just that the payment happens, but that it integrates coherently with the logic of the product receiving it.
For more technical details on the flow, you can consult our documentation.
Pay-out with Pix: payments to Brazil as a local rail
In the reverse direction, Pix works as a highly convenient outbound payment rail to Brazilian accounts, given its massive adoption within the country.
Our API allows initiating payments in BRL using Pix keys, with immediate settlement.
This changes the nature of international payments. Instead of moving through multiple intermediaries, the flow resolves as a local transfer within Brazil.
For fintechs, this has concrete implications:
→ Faster settlement times
→ Lower costs
→ Greater operational predictability
This type of integration is especially relevant in remittance products, B2B payments, and fund disbursement, as well as for non-Brazilian fintechs operating in Brazil that want to serve their users while they are in the country.
FX and settlement in a Pix API for fintechs
One of the most sensitive points in any cross-border architecture is FX management.
At kamiPay, we use a stablecoin-based intermediate layer to decouple local systems and coordinate real-time currency conversion.
This enables consistent operation in both directions. In collection flows, payments originate in BRL within Pix and are converted to credit in the target currency. In payment flows, execution in reais happens immediately within the Pix ecosystem, while fund settlement is coordinated in the backend.
In both cases, settlement occurs without additional friction and with consistent timing, without the integrating fintech having to manage liquidity across multiple markets or integrate additional FX providers.
Technical integration: criteria that really matter
Beyond features, the quality of a Pix API for fintechs is defined by the integration experience.
In our work with technical teams, some factors consistently prove decisive:
→ Clarity and depth of documentation
→ Consistency in endpoint structure
→ Webhook reliability
→ Ability to test complete flows in sandbox
→ Transaction traceability
→ Specialized Pix technical support, able to accompany the integration and resolve operational edge cases
Our technical documentation is designed specifically for that context. You can explore how our Pix API for fintechs works in the full documentation.
The goal is for integration to be an enabler for iteration and scale, not a bottleneck.
From use case to infrastructure
Our first deployment was in the tourism segment, enabling Pix collections outside Brazil. That environment allowed us to validate the infrastructure with real volume and concrete operational demands.
From there, we evolved toward a B2B infrastructure model, where other fintechs integrate our API to incorporate Pix within their own products.
Today we see Pix beginning to consolidate as a structural layer in the regional payments architecture.
Conclusion
Integrating Pix from outside Brazil means working through an additional layer of complexity that is not apparent in everyday use of the system.
A well-designed Pix API for fintechs does not just expose functionality — it coordinates systems, resolves FX, and enables consistent operation across multiple jurisdictions.
That is the approach we have built at kamiPay: infrastructure so that Pix works natively within global products.
Pix API for fintechs: how to get started
If you are evaluating integrating Pix into your product, you can move forward in different ways depending on your team’s level of readiness:
👉 Explore the technical documentation
👉 See how it applies to your use case (banking, fintech, wallets)
👉 Talk to a kamiPay specialist
We integrate our solution in weeks and accompany the end-to-end flow design so that Pix works as a natural part of your product.