{"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","confidence":"reported","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":"2026-10-23T02:15:00.000Z","verified_basis":"live","checked_on":"2026-10-24","stale_on":"2026-11-07","n_evidence":3,"usd_month":null,"usd_per_tb_month":null,"summary":"Not a metered service and not a subscription. No fee is published on any page read the rail's own rulebook at bcb.gov.br is served by a client-rendered appli...","duplicate_of":null,"n_unknown":0},"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. No fee is published on any page read the rail's own rulebook at bcb.gov.br is served by a client-rendered application that returned navigation and a cookie banner on two attempts.","unit":"none","metered_on":"none","source_url":"https://www.bcb.gov.br/estabilidadefinanceira/pix","read_on":"2026-10-23","notes":"The trial and fee rules for individuals are unverified. What is verified is the buyer-side behaviour at two checkouts, 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 A Pix charge is presented as a code with an expiry; the checkout pages read here do not publish the lifetime.","days":null,"source_url":"https://ajuda.kiwify.com.br/pt-br/article/como-funciona-o-pix-1bq7o7y/","notes":""},"egress":{"terms":"not applicable."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 Brazilian bank account and a CPF are required. At a foreign IP the checkout hides the CPF field and disables Pix, boleto and installments","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 in plain Portuguese: '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'. Hotmart lists Pix under 'Metodos 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":"Instant settlement, so a mistaken transfer is not reversible through the rail; none of the checkout pages read here describe a dispute path. A payer travelling abroad can re-select Brazil in the checkout's country selector to get Pix back, per Kiwify, so the gate is residency rather than location.","confidence":"reported","confidence_note":"Two checkout vendors document the rail's buyer-side gate, and both agree. The rail's own rulebook was not readable: bcb.gov.br returned a cookie banner and navigation on two URLs, and the PDF path 404s. Reading the BCB rulebook would move the fee and limit statements from absent to documented.","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"}],"verdict":"fails-identity","verified_at":"2026-10-23T02:15:00.000Z","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":[]}]}