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PIX via Open Finance

Pix via Open Finance is a powerful payment method that allows your customers to initiate a Pix transfer directly from their chosen bank without ever leaving your app or website. By leveraging Brazil's official Open Finance framework, you provide a faster, safer, and higher-converting payment experience.

Our Pix Flows

To deliver the most comprehensive solution, Juspay has partnered with Cumbuca, an official licensed ITP (Iniciador de Transação de Pagamento) in Brazil. An ITP, also known as a PISP (Payment Initiation Service Provider), is an institution certified by the Central Bank of Brazil to securely initiate payments on behalf of users.

Through this partnership, we offer three primary Pix flows to cover all your business needs:

Pix PISP (Standard Flow): This is the core Open Finance payment experience. It enables customers to authorize a single, one-time Pix payment securely, offering a significant conversion lift over traditional Pix methods.
Pix Biometric: A streamlined version of the standard flow that leverages the user's native device biometrics (like Face ID or fingerprint) for authentication. This offers an even faster and more frictionless checkout for repeat transactions.
Pix Automático (Automatic Payments): This flow allows you to set up authorized, recurring Pix debits for subscriptions, installments, and usage-based billing. It functions like a direct debit, providing a powerful alternative to credit cards for recurring revenue models.

Why Integrate These Flows?

Integrating our Pix via Open Finance solution gives you and your customers a distinct advantage:

Boost Conversion Rates: Customers stay within your checkout flow from start to finish. No need to switch to a banking app or copy-paste Pix keys, which dramatically reduces drop-off.
Enhance Security: The entire process is handled through bank-grade authentication within the secure Open Finance framework, regulated by the Central Bank of Brazil.
Future-Proof Your Payments: With Pix Automático, you can build robust subscription and recurring revenue models on Brazil's most popular payment network.
Simplify the Experience: One smooth, unified integration gives you access to multiple flows and all major Brazilian banks.