SmartPix lets merchants collect one-time or recurring payments directly from customers’ bank accounts, using Open Finance technology - an official framework overseen by Brazil’s Central Bank.

With secure Open Finance connections, SmartPix makes recurring payments easy, fast, and safe. This approach is increasingly popular in Brazil, as customers approve the payment plan once and payments happen automatically afterward.

Payment type Online

Payment flow Redirect

Integration type API Reference / Payment Form

Countries Brazil (BR)

Currencies Brazilian Real (BRL)

Min amount 0.5 BRL

Max amount Bank dependent

Recurring Yes

Refund Yes

Partial refunds Yes

Multiple partial refunds Yes

Chargeback No

Principle of operation


  1. Selection at checkout
    Customer selects Pix at checkout.
  2. Payment initiation
    Customer is redirected to a hosted page to choose their bank.
  3. Authentication and authorization
    Customer selects a bank and confirms the authorization purpose and limits.
  4. Payment confirmation
    Customer is redirected to their bank app to authenticate and approve the payment.
  5. Payment approval
    Customer approves the payment and is redirected back to the hosted page.
  6. Merchant notification
    Solidgate notifies the merchant of the payment status update, which can be one of the statuses approved / declined / refunded

Init payment API request must be sent with the pix parameter to the payment_method field or integrates the APM buttons flow in the payment form for SmartPix.

SmartPix payment page example SmartPix payment page example SmartPix payment page example SmartPix payment page example SmartPix payment page example SmartPix payment page example

For SmartPix refunds, a connector can process the refund using the same Pix information the customer provided for the original payment.

However, this is only possible on the same day the Pix payment is confirmed.

If this time frame has passed, the connector emails the customer to request their bank information or Pix key to issue the refund.

  • Pix key can be a CPF/CNPJ (Tax ID, Entity ID), an email address, a phone number, or a randomly generated key consisting of up to 32 characters.
Pix payments are real-time transfers that expire after 1 hour, and any unpaid transactions are automatically cancelled.

Handle SmartPix errors

Specific errors may occur when a SmartPix payment attempt fails.

  • 2.01 Invalid data
    The decline may be related to an invalid or incorrectly formatted payer identification document (CPF). Retry the transaction and verify that the document number is correct and matches the required format.