EFT

Electronic funds transfer (EFT) is the electronic transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems, without the direct intervention of bank staff. Consumers pay for goods using their online banking facility. They are either redirected to their bank or select their bank from a provider’s page. In most cases the Authorization is immediately, especially when payment is made via an instant payment such as PIX.

Available Payment Methods

Brazil

PIX

Type: eft

Sub-type: pix

Pix is the Brazilian instant payment. The payment method created by the Central Bank (BC) in which funds are transferred between accounts in a few seconds, at any time or day. It's practical, fast and secure. Pix can be made from a checking account, savings account or prepaid payment account.

PIX always includes:

• Issuer bank information
• Payable amount value
• QR Code: This is the image of the QR Code generated for the payment, the buyer can scan it using the Pix App of their choice.
• Payment Code: This is the code generated by the PIX, which can be used directly in the payer's PIX application or in their Internet Banking to process the payment.

Workflow

1. Customer fills and submits all necessary payment information to the merchant server.
2. The merchant submits to /transactions to create the transaction.
3. PagSeguro creates an order and returns the transaction code, QR Code image and payment code to the merchant.
4. The merchant displays the QR Code image and payment code to the customer.

Creating an PIX Payment

To create an PIX payment method, make a POST request as the example.

⚠️

The minimum amount value is 1.00 BRL.

Request

📘

Production URL:

https://api.boacompra.com/transactions

Method: POST

🚧

Sandbox URL:

https://api.sandbox.boacompra.com/transactions

Method: POST

Example of a request using PIX

{
    "transaction": {
        "reference": "REF-XXX-1234567890",
        "project-number": 1,
        "country": "BR",
        "currency": "BRL",
        "checkout-type": "direct",
        "notification-url": "https://billing.checkout.com/processing",
        "language": "pt-BR"
    },
    "charge": [
        {
            "amount": 1.00,
            "payment-method": {
                "type": "eft",
                "sub-type": "pix"
            }
        }
    ],
    "payer": {
        "name": "John Doe",
        "email": "[email protected]",
        "birth-date": "1988-12-25",
        "phone-number": "+5511987654321",
        "document": {
            "type": "CPF",
            "number": "98765432101"
        },
        "address": {
            "street": "Rua Teste",
            "number": "1102",
            "complement": "AP 302",
            "district": "Bairro dos testes",
            "state": "PR",
            "city": "Maringá",
            "country": "BR",
            "zip-code": "87030000"
        },
        "ip": "200.221.118.80"
    },
    "shipping": {
        "cost": 0,
        "address": {
            "street": "Rua Teste",
            "number": "1102",
            "complement": "AP 302",
            "district": "Bairro dos testes",
            "state": "PR",
            "city": "Maringá",
            "country": "BR",
            "zip-code": "87030000"
        }
    },
    "cart": [
        {
            "quantity": 1,
            "description": "My Product",
            "category": "Collectibles",
            "type": "physical",
            "unit-price": 1.00
        }
    ]
}

Request Parameter List

[1] Required when cart[].type is physical

Some considerations about the payer name:

• Maximum length of 50 characters
• Minimum two words
• Each word must be separated by ONE space
• The first and last word must have at least 2 characters long
• Middle words can have only one character
• Accepted characters: A to Z, uppercase and/or lowercase letters
• Special characters accepted: éíóúãõâêôàèìòùäëïöüçñÁÉÍÓÚÃÕÂÊÔÀÈÌÒÙÄËÏÖÜÇÑ&/'.-

Some considerations about the payer email:

• On the local-part (before the @), only alphanumeric characters and the special characters - + . _ are allowed.

Response

Example of a response using PIX

{
  "transaction": {
    "code": "418824267",
    "reference": "REF-XXX-1631109433",
    "amount": 1,
    "status": "PENDING",
    "currency": "BRL",
    "country": "BR",
    "payer-email": "[email protected]",
    "date-created": "2021-09-08T10:57:17.781893506-03:00",
    "payment-code": "00020101021226830014br.gov.bcb.pix2561api.pagseguro.com/pix/v2/21D1BDC9-6ACF-4A94-B552-72A1D946EECD27600016BR.COM.PAGSEGURO013621D10000-6ACF-4A94-B552-72A1D946EECD52047994530398654041.005802BR5922BOA COMPRA TECNOLOGIA 6009Sao Paulo62070503***630412C3",
    "qrcode-image": "https://payment.boacompra.com/img/V1kxd1Y1SUVuQjlUWk81d2kyNlhnZz09"
  }
}

Response Parameter List

PIX best practices

When providing an alternative payment method like PIX, it is required to include a confirmation page on the flow. Furthermore, on this page we can include some features to increase the payment method conversion, as well as informing the particularities of the payment method chosen to the customer.
Points of attention for payment with PIX:

• The amount paid must be the same as the transaction amount if the amount paid is different the payment will not be recognized.
• The payer must use the option "pay with QR Code" in the app or internet banking.
• The payer cannot use the transfer option to complete the payment if this occurs the payment will not be recognized by the system.
• The Pix generated by the system is valid for 1 hour, after this period it will not be recognized and cannot be paid.
• The payment takes an average of 10 seconds to be confirmed.

Confirmation page example

In Brazil, Banks, Mobile Wallets APPs has the funcionallity to make payment with PIX, where users can scan the QR Code or just Inserting the Copy of Payment Code.

1. When you provide a QR Code with a good quality resolution it will make the convertion payment increase as it will allow the client make the payment easly just point their phone and scanning the QR Code to finalize the payment.

   INFO: To use this feature, use transaction.qrcode-image included in PIX's transaction response.

2. When you provide the Copy of your Payment Code it will also help to increase your sales if by any chance the user couldn´t make the payment with QR Code, in this case it will allow the client make a copy of the payment code and insert it in their Bank or Wallet App to finalize the payment.

   **INFO**: To use this feature, use the `transaction.payment-code` line included in the Pix transaction response.
   

   Those two options mentioned will definitly make you payment convertion increase so if you want higher volume of sale this mandatory for you.