即时到账Instant
付款确认秒级返回，订单状态实时回传，不用等 T+N。Confirmation returns in seconds and order status updates in real time — no T+N waiting.
接入巴西 Pix：收款与代付，一个 APIBrazil Pix, one API: collection and payouts
Pix 是巴西中央银行运营的即时支付系统：秒级到账、全年无休、结算完成后不可撤销。对订阅、电商与数字内容商户来说，它是进入巴西市场最短的路径。Apex Payment 把 Pix 收款与代付封装成统一 API——你在巴西的第一笔收款，可以和你在其他国家的收款共用同一套代码。Pix is Brazil's central-bank-run instant payment system: seconds-level settlement, available around the clock, irrevocable once settled. For subscription, e-commerce and digital-content merchants it is the shortest path into Brazil. Apex Payment wraps Pix collection and payouts into one unified API — your first BRL charge shares the same code as every other corridor.
为什么是 PixWhy Pix
巴西人怎么付款，你就怎么收款Collect the way Brazil pays
巴西央行的公开资料显示：Pix 可通过动态二维码或 Copy&Paste 发起收款并支持 API 集成；清算由 SPI 参与者完成，交易结算后具有最终性与不可撤销性。这意味着更少的拒付争议、更确定的资金安排。Per the Central Bank of Brazil, Pix charges are initiated via dynamic QR codes or Copy&Paste with API integration; clearing runs through SPI participants, and settled transactions are final and irrevocable — fewer chargebacks, more certainty.
全年无休Always on
周末与节假日照常收款，订阅续费不踩银行日历。Weekends and holidays included — renewals never wait for banking calendars.
结算即终局Final settlement
Pix 结算完成后不可撤销，从机制上降低拒付与冲销风险。Settled Pix payments are irrevocable, structurally reducing chargeback risk.
面向小额高频Built for small, frequent payments
天然适配订阅扣费、内容解锁与电商客单，无需银行卡即可支付。Natural fit for subscriptions, content unlocks and e-commerce carts — no card required to pay.
Pix 代收Pix collection
三种收款形态，一个订单模型Three checkout forms, one order model
创建订单的接口只有一个；二维码、Copy&Paste、Payment Link 只是同一笔订单的不同展示层。There is exactly one create-order endpoint; QR, Copy&Paste and payment links are just presentation layers of the same order.
- 动态二维码 / Copy&PasteDynamic QR / Copy&Paste — 响应里的 qrPayload 直接渲染成二维码，copyPaste 供用户粘贴到银行 App。
- Payment LinkPayment links — 后台手工创建，适合人工销售与社群收款场景。
- 有效期可控Controllable validity — 5–1440 分钟，超时订单自动 EXPIRED，不占用对账精力。
- 先算清费用Fees up front — 创建响应即含 feeMinor，成交前费用透明。
curl -X POST https://api.apexpayment.com/v1/payment-orders \
-H "X-API-Key: ak_live_9f2e…" \
-H "Idempotency-Key: 2c6a7e1f-9b34-4d2e-a1c5-8f0d6b21e4a7" \
-d '{
"merchantOrderId": "br_sub_20260904_00318",
"amountMinor": 24900,
"country": "BR",
"paymentMethod": "pix",
"description": "Ebook monthly subscription"
}'{
"orderNo": "APO20260904-003187",
"status": "pending",
"amountMinor": 24900,
"qrPayload": "00020126580014BR.GOV.BCB.PIX…",
"copyPaste": "00020126580014BR.GOV.BCB.PIX…",
"expiresAt": "2026-09-04T14:32:00Z"
}收款人核身Recipient verification
M· S***aCPF •••.•••.789-**VERIFIED · 8
J· P***oPIX KEY +55••VERIFIED · 12
A· R***sCNPJ ••.••.••/0001-**REVIEW
代付状态Payout status
PO-20260904-118R$ 1,250.00PAID
PO-20260904-119R$ 640.00PROCESSING
PO-20260904-121R$ 310.00RETURNED
Pix 代付Pix payouts
向巴西收款人付款：先核身，后放款Paying Brazilian recipients: verify first, release second
给创作者分佣、给供应商结算时，打错钱比收不到钱更麻烦。Apex 的 Pix 代付把核身放在放款之前，资金两段式流转。For creator commissions and supplier settlements, paying the wrong person is worse than getting paid late. Apex verifies recipients before release, with two-phase fund handling.
- 支持常见 Pix Key 类型Common Pix key types — CPF/CNPJ、手机号、邮箱、EVP，随收款人档案保存。
- 两段式资金流转Two-phase funds — 提交冻结 → 审核放款；失败自动解冻退回余额。
- 单笔与批量Single & batch — API 逐笔、CSV 批量导入、模板复用。
- 退回有记录Returns are tracked — 通道退回（returned）自动解冻入账并通知，钱不会悬空。
资金流与对账Funds flow & reconciliation
每一笔 Pix，都有分录可查Every Pix payment has a ledger trail
01
用户付款User pays
扫码或粘贴 Copy&Paste，在银行 App 完成 Pix 支付。Scan the QR or paste the code and pay in any banking app.
02
通道回调Channel callback
上游通道确认，订单状态机迁移为 PAID，重复回调幂等处理。The upstream channel confirms; the state machine flips to PAID with idempotent handling.
03
余额入账Balance credit
扣除外显手续费后计入商户可用余额，生成分录（DR 通道清算 / CR 商户余额）。Credited to the merchant balance net of the disclosed fee, with ledger entries on both sides.
04
Webhook + 对账Webhook + recon
签名 Webhook 通知你的系统；每日与通道账单自动核对。A signed webhook notifies your system; daily reconciliation matches channel statements.
FAQ
关于巴西 Pix 收款的常见问题Common questions about Brazil Pix
Pix 收款多久能到账？How fast does a Pix payment settle?
Pix 本身是即时支付：用户在银行 App 确认后，支付确认秒级返回。平台收到通道回调后订单立即变更为 PAID，并同步入商户可用余额、触发 Webhook——你可以在后台订单时间线看到每一步的时间戳。Pix is instant by design: confirmation returns seconds after the user approves in their banking app. The order flips to PAID on the channel callback, the balance is credited and a webhook fires — every step is timestamped on the order timeline.
需要我设立巴西公司或巴西银行账户吗？Do I need a Brazilian company or bank account?
不需要。商户以预充值余额模式与平台合作，巴西本地资金处理由持牌合作安排承接；你的余额、代付与提现都通过统一 API 完成。具体合作与结算安排以商务确认为准。No. Merchants work with Apex on a prepaid-balance basis, and local Brazilian fund handling is covered by licensed partner arrangements — your balance, payouts and withdrawals all run through the same API. Commercial specifics are confirmed during onboarding.
支持哪些 Pix Key 类型代付？金额有限制吗？Which Pix key types are supported for payouts? Are there limits?
支持 CPF/CNPJ、手机号、邮箱与 EVP 等常见 Pix Key 类型，随收款人档案保存并参与核身。单笔与日累计限额取决于通道与商户等级，创建订单前可通过支付方式查询接口获取当前限额。Common key types — CPF/CNPJ, phone, e-mail and EVP — are stored on the recipient profile and participate in verification. Per-transaction and daily limits depend on the channel and merchant tier; query the payment-methods endpoint for current limits before creating orders.
退款怎么处理？How are refunds handled?
仅 PAID 订单可发起退款：提交后进入 refund_pending，真实退款经通道原路退回；成功后订单标记 REFUNDED，账本按退款规则生成分录，全程可追溯。沙盒环境下退款流程同样可完整演练。Only PAID orders can be refunded: the request enters refund_pending, the actual refund returns via the original Pix rail, and on success the order is marked REFUNDED with ledger entries — fully traceable, and the whole flow is exercisable in the sandbox.
接入需要多长时间？How long does integration take?
开发者按文档操作通常一天内可完成沙盒联调：注册 → KYB 审核 → 创建测试 Key → 创建订单 → 模拟支付 → 收到 Webhook。生产开通在 KYB 通过后进行，首笔真实交易由运营陪跑。Developers typically finish sandbox integration within a day: register → KYB review → create a test key → create an order → simulate payment → receive the webhook. Production opens after KYB approval, with supervised first transactions.
把巴西 Pix 接进你的产品Plug Brazilian Pix into your product
告诉我们你的业务模式与预计月交易量，我们会在 1 个工作日内回复 Pix 费率表与接入方案。Tell us your model and expected monthly volume — we will reply within one business day with Pix pricing and an integration plan.