{"eid":"bcb-gov-br","name":"Pix","domain":"bcb.gov.br","resolved_by":"host","topics":["debrid"],"n_records":1,"best_vorder":4,"review":null,"aliases":["Pix","Pix (Brazilian instant payment rail)","bcb.gov.br"],"records":[{"rid":"debrid/pix","card":{"rid":"debrid/pix","eid":"bcb-gov-br","topic":"debrid","slug":"pix","provider":"Pix (Brazilian instant payment rail)","url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","domain":"bcb.gov.br","category":"payment rail (instant bank transfer, Brazil)","tier":"rail","verdict":"fails-identity","vorder":4,"grp":"rejected","self_hosted":0,"confidence":"documented","binding":"write-gated","identity_kind":"national-id","identity_basis":"stated","needs_card":0,"needs_phone":0,"needs_id":1,"needs_institution":0,"country":"Brazil","crypto":null,"interfaces":"rest","egress_metered":0,"per_object_bytes":null,"retention_days":null,"verified_at":"2026-11-03T15:29:05.335Z","verified_basis":"live","checked_on":"2026-11-03","stale_on":"2026-12-04","n_evidence":17,"usd_month":null,"usd_per_tb_month":null,"summary":"Not a metered service and not a subscription. The central bank's Pix page states the fee: 'Gratuito para pessoa física e custo baixo para empresa' (free for ...","duplicate_of":null,"n_unknown":0,"free_unit":"none"},"record":{"topic":"debrid","slug":"pix","provider":"Pix (Brazilian instant payment rail)","url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","category":"payment rail (instant bank transfer, Brazil)","tier":"rail","free_tier":{"stated":"Not a metered service and not a subscription. The central bank's Pix page states the fee: 'Gratuito para pessoa física e custo baixo para empresa' (free for individuals, low cost for businesses). The amount charged to businesses is not published on the page read.","unit":"none","metered_on":"none","source_url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","read_on":"2026-10-23","notes":"The fee for individuals is free, per the central bank. The buyer-side behaviour at two checkouts is below."},"per_object_cap":{"stated":"not applicable: a payment, not an object.","bytes":null,"source_url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","notes":""},"retention":{"stated":"not applicable. A Pix charge is presented as a code with an expiry; the checkout pages read here do not publish the lifetime.","days":null,"source_url":"https://ajuda.kiwify.com.br/pt-br/article/como-funciona-o-pix-1bq7o7y/","notes":""},"egress":{"terms":"not applicable.","metered":false,"free_allowance":null,"price_per_tb":null,"source_url":"https://www.bcb.gov.br/estabilidadefinanceira/pix"},"interface":["rest"],"interface_detail":"The buyer's surface is a payment code, described by Kiwify as 'um codigo unico de pagamento, podendo ser pago via ... Code ou pela opcao de Pix Copia e Cola'. Settlement is pull-based: the payer's bank app reads the code, so no card details cross the merchant.","tooling":"Any Brazilian bank app or a copy-and-paste code. There is no client the buyer must install and no credential to store, which is why Brazilian resellers prefer it.","chaining":"Pix is the rail that makes the R$ 24.90 reseller listings work: a buyer with no international card pays in seconds into a Brazilian storefront, which then buys the foreign subscription itself. The chain adds a person between the buyer and the service, and that person holds the account.","limits":[{"kind":"write-gated","value":"a current, savings or prepaid payment account at a Pix participant institution is required. At a foreign IP the Kiwify checkout hides the CPF field and disables Pix and boleto; choosing Brazil in the checkout's country selector brings back the CPF and cellphone fields and Pix","source":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/"}],"limits_note":"Kiwify states the exclusion from the merchant side: 'Quando um comprador acessa o checkout de fora do Brasil, nós escondemos o campo de CPF e desabilitamos o boleto bancário e o Pix.' Hotmart lists Pix under 'Métodos de pagamento exclusivos do Brasil'.","binding":"write-gated","binding_note":"Nothing about volume applies. A buyer without a Brazilian account cannot complete the payment at all, which is the gate that fails before any other consideration.","price_per_tb_month":null,"identity_cost":{"kind":"national-id","detail":"CPF plus an account at a Brazilian financial institution. The checkout hides the CPF field for foreign IPs and disables Pix, which is the operational proof that the rail is closed to a buyer outside Brazil.","country":"Brazil"},"reliability_note":"Settlement is instant. The central bank page lists a 'Mecanismo Especial de Devolução do Pix (MED)' and a page for a mistaken Pix or a scam; the rules of that mechanism were not read. A payer travelling abroad can re-select Brazil in the checkout's country selector to get Pix back, per Kiwify, and a seller can force the Brazilian checkout with a URL parameter, so the checkout's gate follows its region setting, not the payer's location.","confidence":"documented","confidence_note":"Two checkout vendors document the rail's buyer-side gate on their own help pages, and the central bank's Pix page states the fee for individuals. The rulebook (Regulamento do Pix) and its limits were not read.","evidence":[{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-10-23","proved":"'Quando um comprador acessa o checkout de fora do Brasil, nos escondemos o campo de CPF e desabilitamos algumas funcionalidades como: Boleto bancario, Pix, Parcelamento' and 'os estrangeiros nao precisam de CPF e tambem nao podem pagar via boleto bancario, pix ou parcelado'"},{"url":"https://ajuda.kiwify.com.br/pt-br/article/como-funciona-o-pix-1bq7o7y/","date":"2026-10-23","proved":"'O codigo gerado pelo checkout da Kiwify e um codigo unico de pagamento, podendo ser pago via ... Code ou pela opcao de Pix Copia e Cola' - the mechanics of the payment code"},{"url":"https://suportehotmart.zendesk.com/hc/pt-br/articles/25648853025037-Quais-s%C3%A3o-os-m%C3%A9todos-de-pagamento-dispon%C3%ADveis-para-comprar-na-Hotmart","date":"2026-10-23","proved":"'Metodos de pagamento exclusivos do Brasil > Pix' - a second, independent checkout vendor classifying Pix as Brazil-only"},{"url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","date":"2026-11-03","proved":"the central bank states Pix is free for individuals","capture":"sha256:35076e0f1603cbfaf4b2c9f963563ec4d4c313cf82d38aeee5867de37a9c675d","quote":"Gratuito para pessoa física e custo baixo para empresa"},{"url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","date":"2026-11-03","proved":"the fee for individuals is stated","capture":"sha256:35076e0f1603cbfaf4b2c9f963563ec4d4c313cf82d38aeee5867de37a9c675d","quote":"Gratuito para pessoa física e custo baixo para empresa"},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"Kiwify hides the CPF field and disables boleto and Pix for a buyer outside Brazil; installments are no longer listed","capture":"sha256:08b2e681e2adf042625e53c79739bd6e4674bbfaba2dea5ac0b43dc19f2a524b","quote":"Quando um comprador acessa o checkout de fora do Brasil, nós escondemos o campo de CPF e desabilitamos o boleto bancário e o Pix."},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"the Kiwify sentence as it reads now","capture":"sha256:08b2e681e2adf042625e53c79739bd6e4674bbfaba2dea5ac0b43dc19f2a524b","quote":"Quando um comprador acessa o checkout de fora do Brasil, nós escondemos o campo de CPF e desabilitamos o boleto bancário e o Pix."},{"url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","date":"2026-11-03","proved":"the central bank page lists a return mechanism for Pix","capture":"sha256:35076e0f1603cbfaf4b2c9f963563ec4d4c313cf82d38aeee5867de37a9c675d","quote":"Mecanismo Especial de Devolução do Pix (MED)"},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"a seller can force the Brazilian checkout (with ?region=br), so the Pix gate is the checkout's region setting","capture":"sha256:08b2e681e2adf042625e53c79739bd6e4674bbfaba2dea5ac0b43dc19f2a524b","quote":"Sim, é possível forçar o seu checkout a sempre exibir CPF / Celular / Boleto / Pix / Parcelamento, independente de onde o comprador esteja acessando."},{"url":"https://www.bcb.gov.br/meubc/faqs/p/quem-pode-fazer-o-pix","date":"2026-11-03","proved":"Pix needs a current, savings or prepaid payment account at a participant institution","capture":"sha256:9d5cfc21cbf0c4b6adc22a3e3ae2cf4d2ea2ef6346bacc19663670b51f873b84","quote":"Qualquer pessoa física ou jurídica que tenha uma conta corrente, conta poupança ou conta de pagamento pré-paga em uma instituição participante do Pix."},{"url":"https://suportehotmart.zendesk.com/hc/pt-br/articles/25648853025037-Quais-s%C3%A3o-os-m%C3%A9todos-de-pagamento-dispon%C3%ADveis-para-comprar-na-Hotmart","date":"2026-11-03","proved":"Hotmart still lists Pix under the heading of methods exclusive to Brazil","capture":"sha256:4ed2204da82ec9428056ce88b845b3bf96f6261a9bc8d7e8513ce43fca14e7eb","quote":"Métodos de pagamento exclusivos do Brasil"},{"url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","date":"2026-11-03","proved":"the rail's own operator page is now read and states the fee","capture":"sha256:35076e0f1603cbfaf4b2c9f963563ec4d4c313cf82d38aeee5867de37a9c675d","quote":"Gratuito para pessoa física e custo baixo para empresa"},{"url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","date":"2026-11-03","proved":"the central bank page is readable through a pinned route","capture":"sha256:35076e0f1603cbfaf4b2c9f963563ec4d4c313cf82d38aeee5867de37a9c675d","quote":"Gratuito para pessoa física e custo baixo para empresa"},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"foreign buyers need no CPF and pay by card at the Kiwify checkout","capture":"sha256:08b2e681e2adf042625e53c79739bd6e4674bbfaba2dea5ac0b43dc19f2a524b","quote":"Ou seja, os estrangeiros não precisam de CPF e pagam com cartão."},{"url":"https://www.bcb.gov.br/meubc/faqs/p/quem-pode-fazer-o-pix","date":"2026-11-03","proved":"Pix needs a current, savings or prepaid payment account at a participating institution; the page names no CPF requirement","capture":"sha256:f558ace2fce72bcf67ed03879a251e85bf9a53d9232b80ecbfd7d05ea64bd864","quote":"Qualquer pessoa física ou jurídica que tenha uma conta corrente, conta poupança ou conta de pagamento pré-paga em uma instituição participante do Pix."},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"choosing Brazil in the checkout's country selector brings back the CPF and cellphone fields and enables boleto, Pix and installments","capture":"sha256:d752610a77461506110de17e9996bbffb086d43318fa492a414b01e8976fc6f7","quote":"Dessa forma os campos CPF e celular voltarão a aparecer e será possível pagar via boleto, pix ou parcelar."},{"url":"https://ajuda.kiwify.com.br/pt-br/article/o-checkout-funciona-fora-do-brasil-1cdb1ri/","date":"2026-11-03","proved":"at a foreign IP the Kiwify checkout hides the CPF field and disables boleto and Pix","capture":"sha256:d752610a77461506110de17e9996bbffb086d43318fa492a414b01e8976fc6f7","quote":"Quando um comprador acessa o checkout de fora do Brasil, nós escondemos o campo de CPF e desabilitamos o boleto bancário e o Pix."}],"verdict":"fails-identity","verified_at":"2026-11-03T15:29:05.335Z","notes":"A payment rail is not a retrieval service, and this record exists because question cannot be answered without it: every R$ price is a Pix price, and Pix is the one part of the Brazilian stack a foreign buyer cannot join. The Chinese parallel is Alipay or WeChat Pay; the shape is the same, a domestic clearing rail that local storefronts build on.","extras":{"buyer_gate":"CPF + Brazilian bank account","merchant_receipt":"Kiwify receives the Pix, not the seller: 'Quem recebe o Pix e a Kiwify e nao voce diretamente'"}},"claims":[{"path":"$.free_tier.stated","kind":"free-quota","num":null,"unit":null,"per":null,"currency":null,"usd":null,"fx_date":null,"parse":"unparsed"},{"path":"$.limits[0].value","kind":"limit:write-gated","num":null,"unit":null,"per":null,"currency":null,"usd":null,"fx_date":null,"parse":"unparsed"}],"unknown":[],"history":[],"drift":[]}]}