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How PIX Works

Learn how PIX works: key types, QR Code, copy-paste, security, limits, and everything about Brazil's instant payment system by the Central Bank.

7 min read Updated on July 2026

In this guide, you will:

  • Understand what PIX is and the types of key
  • Tell a static QR Code from a dynamic one
  • Read a PIX copy-and-paste code (EMV standard)
  • Spot scams and pay safely

PIX is Brazil's instant payment system, created by the Central Bank (Banco Central) and launched in November 2020. It allows instant money transfers 24/7, 365 days a year, including weekends and holidays. With over 150 million users, PIX has become the most popular payment method in Brazil.

PIX key types

PIX keys are identifiers linked to your bank account. There are 4 types: CPF/CNPJ, email address, phone number, and random key (EVP - a UUID generated by the bank). You can register up to 5 keys per account for individuals, or 20 for businesses.

CPF/CNPJ
Document
E-mail
Address
Phone
+55 XX XXXXX-XXXX
EVP
Random

PIX QR Code — static vs dynamic

PIX supports two QR Code types: static (reusable, used by merchants for fixed prices) and dynamic (single-use, includes transaction details like amount and description). Both follow the EMV BRCode standard defined by the Central Bank.

Static QR Code
  • Reusable
  • No fixed amount
  • Ideal for merchants
Dynamic QR Code
  • Single use
  • Amount and description included
  • Ideal for invoices

PIX copy and paste

PIX copy-paste (copia e cola) is a text string encoded in the EMV format that contains all transaction information. The payer copies this string and pastes it in their banking app to complete the payment. It is the text representation of a PIX QR Code.

Got a code? Use the Pix Key Validator to validate the key, or the PIX Copy-and-Paste Code to read a copy-and-paste code before paying.

PIX security

PIX transactions are protected by encryption, authentication, and the Central Bank's security protocols. Banks may apply transaction limits, especially for nighttime transfers. The Special Return Mechanism (MED) allows reversals in cases of fraud.

Warning

Before paying a PIX copy-and-paste code, check the recipient's name and the amount on the confirmation screen. Scams swap that data inside the code.

PIX is fast because it standardizes everything: the key, the QR Code and the copy-and-paste code in EMV format. Reading that data is what separates a safe payment from a scam. Validate the key or decode the code before paying with the tools below.

Related guides

CPF & CNPJ Check Digit Algorithm — Modulo 11 Explained What is CPF? Complete Guide to the Brazilian Individual Taxpayer Registry

Related Tools

Pix Key Validator Pix QR Code PIX Copy-and-Paste Code

Frequently Asked Questions

What types of PIX key exist?
There are 4 types of PIX keys: CPF or CNPJ, email address, phone number, and random key (EVP). Each key links to a specific bank account and serves as a simplified identifier for receiving PIX transfers.
What is the difference between static and dynamic PIX QR Code?
A static QR Code is reusable and typically does not include a specific amount - the payer enters the value. A dynamic QR Code is single-use, includes the exact amount and transaction details, and is commonly used for invoices and e-commerce.
Is PIX safe?
Yes. PIX uses end-to-end encryption, multi-factor authentication, and is regulated by the Central Bank. Banks also apply transaction limits and fraud detection. The Special Return Mechanism (MED) allows reversals in proven fraud cases.
Is there a limit for PIX transfers?
Yes. Banks set individual limits for PIX transfers, which may vary by time of day. Nighttime transfers (8 PM to 6 AM) typically have lower limits as a security measure. You can adjust your limits through your banking app.
How much does PIX cost?
PIX is free for individuals for all types of transactions (sending and receiving). For businesses, banks may charge fees for receiving PIX payments, but the rates are typically much lower than credit card fees.