> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.
# QR Codes
> Pix QR Codes are one of the most widely adopted payment initiation methods in Brazil.
They provide a fast, intuitive, and secure way for users to make payments across apps, websites, and physical environments — ensuring interoperability across all Pix participants.
Pix uses **EMV®-based structured payloads**, standardized by BACEN, enabling any institution to encode payment instructions in a scannable, machine-readable format.
The Pix Plugin supports the full lifecycle of EMV Pix QR Codes, including generation, decoding, validation, and settlement.
# Types of Pix QR Codes
***
Pix defines two primary categories of QR Codes:
* **Static QR Code** → reusable, fixed structure
* **Dynamic QR Code** → generated per transaction, supports metadata, reconciliation, and expiration
Below, each type is detailed according to BACEN standards and typical market usage.
# Static QR Code
***
### What it is
A **reusable** Pix QR Code that contains a fixed payload associated with a Pix key (email, phone, CPF/CNPJ, EVP).
It does **not expire**, can be printed, shared, or displayed freely, and is ideal for simple or low-complexity payment scenarios.
### Characteristics
* Permanent and reusable
* Does not embed an amount by default (payer enters manually)
* Simplest form of Pix acceptance
* Works offline (printed, sticker, image)
* Fully compliant with EMV Pix static format
### Typical use cases
* Street vendors, cafés, kiosks
* Professionals (delivery drivers, barbers, tutors, freelancers)
* Donation campaigns
* Single payment point shared by many payers
### Static QR Code payment flow
1. The merchant creates the QR Code once.
2. The customer scans it using any Pix-enabled app.
3. The user enters the amount manually.
4. The payment follows the standard Pix processing flow: validation → SPI → credit.
5. Settlement occurs instantly.
### Benefits
* Easy to generate and deploy
* Reusable indefinitely
* Works well in physical environments
* No infrastructure needed
### Limitations
* No automatic reconciliation
* The payer must type the amount → risk of incorrect value
* Cannot include detailed metadata (order ID, invoice, etc.)
# Dynamic QR Codes
***
Dynamic QR Codes are **generated per transaction** and contain a structured payload with:
* predefined amount
* expiration time
* reconciliation identifiers
* metadata (order ID, description, payer details)
They provide automated settlement, traceability, and a better user experience, making them the preferred method for digital commerce.
The Pix Plugin supports all major Pix dynamic modalities.
## Dynamic (Immediate)
***
### What it is
A one-time QR Code used for **instant payments** with:
* a preset amount
* a short expiration window
* a unique transaction correlation ID
### Ideal for
* E-commerce checkout
* Delivery apps
* POS systems
* Restaurants (per table/command)
### Characteristics
* Strong metadata and reconciliation support
* Automatically expires
* Cannot be reused
* Real-time webhook confirmation
## Pix Cobrança (Dynamic with Due Date)
***
### What it is
A dynamic QR Code for **payments with a due date**, similar to an invoice.
It supports:
* due date
* interest and late fees
* discounts or abatements
* payer identification
### Ideal for
* Schools and universities
* Condominium or association fees
* Subscription or recurring billing
* Professional invoices
### Characteristics
* Contains full billing information
* Remains valid until expiration
* Reconciliation is automated based on the charge ID
## Pix Automático (Recurrent)
***
Used to establish **recurring collection authorizations**.
The QR Code serves as the initial consent request for periodic debits.
### Ideal for
* Subscriptions
* Utility bills
* Monthly services
## Pix Saque (Withdraw)
***
### What it is
A QR Code that allows a customer to **withdraw cash** from an authorized merchant.
### Ideal for
* Retail stores offering ATM-like convenience
* Pharmacies, supermarkets, or convenience stores
## Pix Troco (Change)
***
### What it is
A QR Code used when the customer pays **more than the purchase amount**, receives the product, and gets the difference deposited as a Pix.
### Ideal for
* Supermarkets
* Gas stations
* Convenience stores
# Payment flow (all QR types)
***
## End-to-end Pix QR Code flow
***
1. **QR Code creation**
The merchant or system creates a Pix QR Code — either static (reusable) or dynamic (transaction-specific).
For dynamic QR Codes, the payload may include predefined amount, expiration, and reconciliation identifiers.
2. **Payment initiation by the payer**
The payer scans the QR Code using any Pix-enabled banking or wallet application and reviews the payment details before confirming.
3. **Pre-transaction validation by the payer’s institution**
Before sending the payment, the payer’s institution performs mandatory validations, including account status, available balance, transaction limits, and internal risk checks.
4. **Settlement through the Pix infrastructure**
Once approved, the payment instruction is routed through BACEN’s SPI for real-time settlement.
If both accounts belong to the same institution, the transaction may be settled internally without crossing the SPI.
5. **Instant credit to the receiving institution**
The receiving institution credits the funds to the beneficiary’s account immediately after settlement, completing the payment.
6. **Confirmation and reconciliation**
Webhook notifications are emitted to inform merchant or system backends about the payment result, enabling automatic reconciliation, order confirmation, and accounting updates.
# Typical use cases
***
### Static
* A bakery prints a single QR Code for the counter
* A barbershop shares its QR Code via WhatsApp
* A street vendor displays a laminated QR Code
### Dynamic Immediate
* E-commerce checkout (one QR per order)
* Restaurants generating a code per table
* Delivery apps presenting a QR for each drop-off
### Dynamic Due Date
* Schools generating a monthly QR Code invoice
* Condominium fees with interest/discount rules
* Freelancers issuing billed invoices
### Withdraw / Change
* Market gives Loja Pix Saque
* Customer pays R$ 120 for a R$ 98 purchase and gets R\$ 22 Pix Troco
# Regulatory notes (BACEN)
***
Pix QR Codes must comply with:
* **EMV® Merchant-Presented Mode (MPM) specification**
* Pix “Iniciação por QR Code” rules
* Mandatory CRC validation
* Defined field structure for dynamic charges
* Expiration and billing rules for Cobrança (due-date QR)
* Transaction limits and night window (when applicable)
**Regulatory reference**
This page provides a practical overview of how Pix works. For deeper technical, legal, and regulatory details — and to stay up to date with rule changes, deadlines, and official requirements — always refer to the [official documentation](https://www.bcb.gov.br/estabilidadefinanceira/pix-normas) published by the **Central Bank of Brazil (BACEN)**.
BACEN’s materials are the authoritative source for Pix regulations and contain the most complete and up-to-date specifications.