Receiving or collecting money with PIX

PIX can be used to receive or collect money by providing the payer a Key or a Hash Code (QrCode or copy and paste "Copia e Cola"), with static or dynamic information.

When requesting a collection or receiving money (PixIn) the client application receives the user's request and sends it to our API. FitBank communicates with the central bank (Banco Central) and contacts the payment institution, which will transfer the money to the recipient's account.

When the transaction by the payer is completed, the amount will be immediately forwarded to the receiver's account, in addition to receiving a notification via Webhook about the PIX Receipt.

It is not necessary to have a registered PIX Key to receive a PIX.

PixIn Status:

• Created: The PIX Receipt was credited to the receiving account
• Settled or Paid: Settled transaction

Important: These statuses are both returned through webhooks and APIs. However, it's important to note that, while status Paid is returned through webhooks, status Settled is returned through APIs. Their function and meaning is the same, since they both indicate that the PIX was settled on the destinated account.

Settlement

When the payer completes the transaction, the amount is immediately credited to the receiver's account, and the client is notified via Webhook about the PIX Receipt. Settlement follows its normal flow and is not delayed or blocked by additional risk validations (see Precautionary Block below).

Precautionary Block

At the moment of settlement, Fits performs a query to DICT regarding the PIX Key used in the receipt, to verify whether it is flagged as fraudulent. This query does not delay or block the settlement.

If the key is identified as fraudulent, the precautionary block flow is triggered, in accordance with BCB Resolution No. 147, in which the funds already settled are debited from the receiver's account for refund to the payer. In this scenario, the transaction appears on the end customer's statement as "Transação pendente de validação / Bloqueio Cautelar" ("Transaction pending validation / Precautionary Block").

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Important

This verification mechanism is configurable at the Business Unit (BU) level and is not enabled for all accounts.