> ## 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. # Pix modalities > A comprehensive overview of the main payment modalities defined by the Central Bank of Brazil (BACEN). Pix supports multiple modalities designed to cover a wide range of financial interactions — from instant transfers to QR code payments, cash withdrawals, and invoice-based collections. Each modality has its own rules, requirements, and operational flows, all standardized across the national payment system. This page provides a clear overview of the core Pix modalities and how they operate within the BACEN regulatory framework. # 1. Pix Transfer (Standard transfer) *** Pix Transfer is the most common modality — an instant transfer between two accounts using: * Pix keys (CPF/CNPJ, phone, email, EVP) * Manual entry (bank, branch, account, and recipient name) * Copy-and-paste codes (EMV string) **Use cases** * Person-to-person transfers * Merchant payments without QR codes * Internal and external account movements **Requirements** * Sender must authenticate * Recipient must be a Pix participant * Transaction must pass fraud and risk checks **Rules & limitations** * Instant settlement (seconds) * Available 24/7 * Daily or nightly limits may apply (risk-based) **Flow (simplified)** 1. Sender authenticates and initiates payment 2. Institution validates account, balance, limits, and risk indicators 3. SPI settles the transaction 4. Receiver’s account is credited instantly # 2. Pix QR Code *** Pix supports QR codes for payment initiation. They follow BACEN’s EMV standard and fall into two main categories: ## Static QR Code *** Reusable QR code containing: * Fixed recipient information * Optional fixed amount * Optional additional reference **Typical uses** * Small merchants * Donation links * Informal commerce **Characteristics** * Same QR reused for all payments * Amount may be edited by the payer * Minimal update requirements ## Dynamic QR Code *** Generated for **each individual transaction**, offering more features and security. Two official types: ### Dynamic Immediate * One-time use * Predefined amount * Expiration timestamp * Additional data fields for reconciliation Use cases: e-commerce checkout, POS systems, service providers. ### Dynamic with Due Date * Supports future due dates * Multiplier fields * Penalties, fines, interest * Updates via additional Pix Cobrança APIs Use cases: billing, invoicing, utilities, subscription payments. **Rules & limitations** * QR codes must follow BACEN’s EMV 4.3 pattern * Dynamic codes must be validated with backend signatures when available (CRC field) # 3. Pix Saque and Pix Troco *** Pix Saque and Pix Troco enable cash withdrawal at participating merchants. ## Pix Saque *** Customer performs a Pix transfer to withdraw cash. Flow: 1. Customer initiates Pix Saque 2. Merchant receives the Pix 3. Merchant hands over equivalent cash Use cases: cash access in areas without ATMs. ## Pix Troco *** Customer pays a value *higher* than the purchase and receives the difference in cash. Example: item costs R$70 → customer sends R$100 → receives R\$30 in cash. **Requirements** * Merchant must opt into Pix Saque/Troco * Merchant must publish maximum withdrawal thresholds **Limits (BACEN)** * Daily and per-transaction limits may vary * Typically higher limits during daytime # 4. Pix Cobrança (Invoice-Based Pix) *** Pix Cobrança is Pix’s equivalent of invoicing or billing. It allows: * Creation of charge requests with or without due dates * Automatic calculation of penalties, fines, and interest * Updating charges * Cancellation and reconciliation flows Two formats: ### Cobrança Imediata (Immediate Charge) Payment must be made instantly. Often used in POS or service scenarios. ### Cobrança com Vencimento (Due Date Charge) Supports future dates, used for: * Utilities * Tuition * Subscriptions * Merchant billing **Rules** * Charge must contain a unique transaction ID * Penalties must follow configured rules * Expired charges may or may not accept payments depending on configuration # 5. Pix Agendado (Scheduled Pix) *** *(If supported by the institution)* Pix Agendado allows the payer to schedule a Pix payment for a future date. Use cases: * Bill payments * Recurring transfers * Salary disbursements (internal) **Characteristics** * Institution must allow scheduling * Pix Agendado must be validated at scheduling time and execution time * Payer may cancel according to institutional rules # 6. Pix Automático (Automatic Pix) *** Pix Automático will allow registered agreements where payments are pulled automatically from the payer’s account. Expected features: * Mandate-based authorization * Automatic recurring debits * Pre-notification of due charges * Cancellation support Ideal for: * Subscriptions * Utility bills * Tuition * Insurance premiums # 7. Pix Internacional (Cross-Border Pix) *** Pix Internacional aims to enable instant payments between Brazil and partner jurisdictions. Expected characteristics: * Currency conversion * Risk and AML checks * SPI interoperability with partner infrastructures * Transparent end-to-end flow This modality is under development and not fully defined yet. # 8. When to use each modality *** ### Use standard Pix transfer for: P2P transfers, small purchases, splitting bills. ### Use static QR for: Small merchants, service providers, simple collection. ### Use dynamic QR for: E-commerce, delivery, POS, billing. ### Use Pix Saque/Troco for: Extending cash withdrawal coverage. ### Use Pix Cobrança for: Recurring billing, utilities, formal invoicing. ### Use Pix Agendado for: Future payments without immediate settlement. ### Use Pix Automático for: Recurring agreements (subscriptions, utilities). ### Use Pix Internacional for: Cross-border instant transfers (when released). **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.