# Payments in Brazil: Pix, fees and BRL settlement

Your customer chooses Pix. Your business also needs to know what each transaction costs, when funds become available and how to make BRL payouts. Compare those terms together to assess the economics of your product.

This review helps an online store, subscription service or other lawful business prepare a provider request. It covers the offer mix, stated fees, settlement terms and questions to resolve before integration. For subscriptions, we also examine Pix Automático: a general Pix label in a catalogue does not confirm support for it.

## 44 offers to start your comparison

The gateway-supplied snapshot dated **14 September 2026** contains **44 unique offers linked exclusively to Brazil: 22 for pay-ins and 22 for payouts**. These are catalogue records, rather than counts of independent gateways or confirmed connections.

All 44 offers have BRL and Pix labels. Country, currency and method were recorded separately: the labels help define a request but do not establish every combination or your business's eligibility.

Split your search into two tasks. For pay-ins, describe the customer, typical amount and checkout flow. For payouts, specify the recipient, transfer purpose and funding model. Even when one provider offers both services, their commercial and operational terms can differ.

## Compare fees at your transaction amounts

**The average stated percentage fee component is 1.84% for pay-ins and 1.20% for payouts.** Each sample contains 20 offers with a BRL-denominated fee and one explicit percentage. The medians are **1.60% and 1.00%**, with ranges of **0.60–6.50% and 0.20–3.70%**. Each record has equal weight.

The average percentage is a starting point. To choose a tariff, apply its complete formula to your transactions: percentage, fixed charge, refunds, settlement, currency conversion and other mandatory fees. The snapshot includes fixed components and fees in another currency; those are excluded from the average percentage.

For example, hypothetical tariff A is 1.5% + R$0.10 and tariff B is 1.2% + R$0.40. On R$20, the costs are R$0.40 and R$0.64; on R$200, they are R$3.10 and R$2.80. The break-even amount is R$100. This illustrative example excludes other charges: a fixed component can change the preferred tariff for a small purchase.

Request a worked quote for three amounts: a small purchase, a typical order and a large transaction. Show reserves and their release separately, because they affect available funds.

## Settlement: when funds reach your business

Settlement timing appears in **21 of the 22 pay-in offers**. The most frequent labels are **T+0/D+0 in 7 records** and **T+1/D+1 in 6 records**. Two more records state T+2/D+2, one each states T+3/D+3 and T+7/D+7, four use other wording and one gives no timing.

Treat the customer's transfer speed and contractual settlement as separate questions. Establish the event that starts the clock, business or calendar days, cut-off time, minimum amount, currency and destination account. T+0 alone does not explain when you can use the funds.

For payouts, agree prefunding, available balance and the time by which the recipient should receive the money. For pay-ins, ask for a worked statement: receipts → fees and refunds → reserve → amount to be transferred. This turns settlement timing into a cash-flow plan.

## Pix Automático and conversion: compare the whole journey

For subscriptions, confirm **Pix Automático** support separately. The customer permits a company to submit recurring charges; the company supplies amounts and dates within agreed terms. With Pix Agendado, the payer schedules payments. A Pix Automático recipient must be a legal entity with a CNPJ active for at least six months and pass the required integrity checks. [BCB: how the journeys differ](https://www.bcb.gov.br/meubc/faqs/s/pix), [Pix rules, Article 11-T](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&numero=1).

Ask for a demonstration of a changed amount, a failure and permission cancellation. For example, with a customer maximum of R$120, a new R$130 bill should not automatically become a scheduled debit: an instruction above the authorised amount is rejected. Discuss how billing and support see that result and prevent double payment when trying again. [BCB IN 513, Article 6](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Instru%C3%A7%C3%A3o%20Normativa%20BCB&numero=513).

**No measured average conversion rate is available for this snapshot.** Two descriptions contain gateway success claims, but there is no comparable transaction dataset. Request the definition of success, attempt count, period, failure reasons and retry treatment. For subscriptions, assess the first collection separately from subsequent payments.

## Terms to obtain in writing

Limits appear in **20 of 22 pay-in offers and 20 of 22 payout offers**. Records include per-transaction and different period-based restrictions, so they do not establish one universal “Brazil limit.” Compare the applicable limits against transaction size, peak days and operations per recipient.

Include the following in your provider request:

- contracting legal entity, documents, business activity and eligible customer categories;
- complete fees, minimum volume, limits, reserves and release timing;
- settlement currency, country, account, schedule and conversion costs;
- status confirmation, refunds, error handling and order-level reconciliation;
- support, service interruption procedures and settlement after contract termination.

For subscriptions, add a Pix Automático demonstration. For payouts, confirm recipient checks, balance funding and procedures for an incorrect transfer. A refund of the original payment and a new payout should have clear, separate records in the statement.

## Licensing and Brazilian regulatory requirements

**Legal review: 29 September 2026.** Assess the payment institution's permission and your product's legal status separately.

**Payment services — Banco Central do Brasil.** Starting regulated payment-institution activity is subject to the BCB authorisation framework. Since 2025, new Pix membership applications require an authorised institution; earlier participants are subject to transition rules. A Pix label does not establish that authorisation has been granted. Check the entity, current status and permitted operations in BCB's register. [BCB Resolution 494/2025](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&numero=494), [Pix rules, Article 3](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&numero=1), [BCB register](https://www.bcb.gov.br/meubc/encontreinstituicao).

**Settlement abroad.** If the arrangement includes foreign exchange, identify the authorised institution responsible for that leg. BCB requires foreign-exchange transactions to use authorised institutions or their relevant correspondents. BRL/Pix labels do not confirm a cross-border arrangement. [BCB: foreign-exchange transactions](https://bcb.gov.br/detalhenoticia/376/noticia).

**Fixed-odds betting: prohibited since 25 September 2026.** MP 1.394 prohibits its operation, offer, intermediation and advertising, including offshore offers. It covers sports betting and the relevant online games offered to people in Brazil. [MP 1.394, Articles 1–2 and 30](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/mpv/mpv1394.htm), [SPA's current legislation page](https://www.gov.br/fazenda/pt-br/composicao/orgaos/secretaria-de-premios-e-apostas/apostas-de-quota-fixa/legislacao).

New deposits are prohibited; authorisations expire 30 days after publication. The payment exception covers winding down and returning funds. Other lottery types authorised by law are excluded. **Earlier SPA or state permissions, or foreign licences, do not provide a basis for onboarding this activity.** [MP 1.394, Articles 1, 4, 6–9 and 14](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/mpv/mpv1394.htm), [LOTERJ's 26 September statement](https://www.loterj.rj.gov.br/noticias/comunicado).

The commercial snapshot predates this change. Its figures do not establish the legality or current availability of any offer. Other regulated activities also need the applicable local permissions; a provider's licence does not replace permission for your product.

## PayStar's role

**PayStar provides information and technical services and is not a payment organiser, bank or payment service provider.** PayStar does not receive or hold customer or business funds, or settle them in its own name. The chosen provider supplies payment services under a direct agreement with the business; PayStar's API, routing and control tools support that work within its technical role.

**PayStar works only with lawful products holding the licences and permissions required by law, within the permitted activities and territories.** The entity carrying out the regulated activity must hold the relevant permissions. Where no separate licence is prescribed, other mandatory requirements still apply. A foreign licence does not itself replace Brazilian permission or override a prohibition.

This is a condition for working with PayStar, not confirmation that all 44 historical offers are licensed. Before connection, the product operator, actual funds flow and applicable requirements must be established.

## Get details on payment gateways in Brazil

**Anastasia, Payment Discovery**, provides free information on options for lawful businesses: methods, fees and limits; settlement timing and currency; product and documentation requirements.

Share your activity, company jurisdiction, typical amount, monthly volume and goal — pay-ins, payouts or subscriptions. Include your preferred settlement country and currency and the permissions your product requires. [Get details on Telegram](https://t.me/anastasiapaystar) · [Email Anastasia](https://mail.google.com/mail/?view=cm&fs=1&to=Anastasia%40PayStar.uk&su=Payment%20Discovery%20request).

[PayStar Discovery](https://paystar.uk/discovery) helps prepare the context and compare options. Your business selects the provider and contracts with it directly; the provider decides whether to onboard it. Information on options is free; integration and processing have separate terms.

## Data and sources

*Commercial information was supplied by payment gateways; the snapshot is dated 14 September 2026. PayStar has not independently verified their statements, metrics or current availability. Terms change weekly or more often and may already be outdated. Figures describe catalogue records and fee components, rather than a total price, market tariff or guarantee of performance or eligibility. A blank or zero field does not establish that a charge is absent. The legal review uses official sources checked on 29 September 2026 and does not replace advice on a specific business model. Obtain current written terms and check applicable requirements before connection.*