--- title: "Direct access to Pix payments and collections." description: "Under your company's brand, without needing a license of your own." url: "https://www.cumbuca.com/en/products/pix" lang: "en" --- # Pix payments and collections: Direct access to Pix payments and collections. Under your company's brand, without needing a license of your own. [Contact us](https://www.cumbuca.com/en/contact) · [See how it works](https://www.cumbuca.com#perfis) ## Use cases From startups to enterprises, the same product covers a wide range of collection needs. - **Fintechs and credit platforms:** Collect recurring installments straight from the customer's account with **Pix Automático**. - **Payment orchestrators and checkouts:** Build the full payment flow with **direct access to the official APIs**, with no intermediary between the platform and the banks. - **Financial apps:** Collect inside the app with the **Redirect-free Journey** and move balances between accounts of the same holder with **Smart Transfers**. - **Companies entering Brazil or that have outgrown their current provider:** Operate under **Cumbuca's license** while they decide whether their own is worth it. ## Protocols available in full These are the three main protocols for initiating Pix from the customer's account. They differ in how the customer authorizes and in what happens at each charge. | | How the customer authorizes | At each charge | Best for | | --- | --- | --- | --- | | Pix Automático | At their own bank, once per contract. | The customer's bank schedules the debit and notifies them days ahead. If funds are short, it retries the same day and, if the contract allows, on up to 3 new dates. | Subscriptions, installments and recurring charges. | | Redirect-free Journey | A one-time link at their own bank. After that, with biometrics, without leaving your app. | The customer confirms the payment. | In-app checkout and Contactless Pix. | | Smart Transfers | Once, with limits they set themselves. | Transfers happen with no new authorization, within those limits, only between accounts of the same holder. | Moving balances between the customer's own accounts. | The same integration also covers the other Pix modalities available in Open Finance: - Pix with key (DICT) - Pix with account data - Pix by QR code - Contactless Pix - Scheduled Pix - Recurring Pix ## Cumbuca benefits - **Your brand on the consent.** The customer sees your company's brand when authorizing the payment. Cumbuca builds the regulatory bridge, and the customer relationship stays yours. - **Billed only for what succeeded.** We only bill successfully initiated payments and consents actually used. The most aggressive pricing in the market: idle consents and failed payments are never billed. - **Official APIs, no proprietary layer.** 1:1 mapping to the Open Finance APIs. Every endpoint, every parameter. It is not a wrapper, it is a transparent proxy. - **Automatically updated with new ecosystem capabilities.** Your product naturally follows the growth of the Open Finance and Pix ecosystem. - **Your data and keys stay with you.** Cryptographic keys, flows and data remain your property, with a contractual guarantee of no commercial access. Cumbuca does not sell, analyze or share your data. - **From Cumbuca's license to yours.** Once your company has its own license, there is no migration: just switch the license that signs the requests, and your integration stays the same. ## Implementation On Cumbuca's infrastructure, your company goes live in weeks. On your own infrastructure, in months. 1. **A conversation with a co-founder:** You describe your use case, discuss the solutions and plan the implementation together. 2. **Choosing the infrastructure:** Your company runs on Cumbuca's infrastructure or on its own. Either way, Cumbuca signs the requests. 3. **Due diligence and contract:** Every company that operates under Cumbuca's license goes through a rigorous assessment before getting access. 4. **Integration with the official APIs through the Cumbuca Proxy:** Our engineers support your implementation every step of the way. 5. **Go-live:** After production testing, your company is ready to operate under Cumbuca's license. ### Cumbuca infrastructure A complete, end-to-end solution. The fastest and easiest way to start operating. - Everything runs on our infrastructure, with no servers for your team to maintain. - If needed, you can move to your own infrastructure in the future. ### Your own infrastructure You build, and Cumbuca signs the requests with its own certificates, acting as a proxy. - Our engineers support you throughout the implementation. - As market specialists, we are here to help you run a resilient, reliable and successful operation. See the performance and resilience of our infrastructure in the scale report. [See the scale report](https://www.cumbuca.com/en/scale-report) --- ## About Cumbuca CUMBUCA Instituição de Pagamento Ltda., registered with the National Registry of Legal Entities of the Ministry of Finance (CNPJ/MF) under No. 44.353.942/0001-29, is authorized as a Payment Institution (IP), in the Payment Transaction Initiator (ITP) modality, regulated by the Central Bank of Brazil, pursuant to BCB Resolution No. 80 of March 25, 2021, and is a subsidiary of FAMÍLIA CUMBUCA HOLDING Ltda., registered with the CNPJ/MF under No. 32.670.659/0001-41. CUMBUCA Serviços de Tecnologia Ltda., registered with the CNPJ/MF under No. 50.271.185/0001-47, is also part of the same corporate group. - [This page in HTML](https://www.cumbuca.com/en/products/pix) - [Site index for LLMs (llms.txt)](https://www.cumbuca.com/llms.txt) - [Sitemap](https://www.cumbuca.com/sitemap.xml)