TED (Transferência Eletrônica Disponível) is Brazil’s interbank transfer system, allowing money to move between any two banks on the same business day. Lerian’s TED plugin gives your institution a production-ready integration — sending, receiving, fee management, and full BACEN compliance included.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.
What you can build
- Payroll disbursements — send salaries or contractor payments directly to employees’ accounts at any Brazilian bank
- Supplier and vendor payments — pay invoices and settle B2B obligations without manual bank portal access
- Customer withdrawals — let customers move funds out of your platform to their external bank accounts on demand
- Internal fund movement — transfer between accounts within your own institution instantly, without BACEN routing (P2P)
Transfer types
| Type | What it means for your business |
|---|---|
| TED OUT | Your customer sends money to an account at another bank |
| TED IN | Your institution receives money from another bank automatically |
| P2P | Money moves between two accounts within your institution — same-day, no external routing |
How it works
- Customer initiates — enters the recipient’s bank details and the amount; sees the fee before confirming
- Customer confirms — authorizes the transfer; funds are provisioned immediately
- Transfer is sent — the payment is routed through the BACEN STR network to the destination bank
- Settlement completes — the recipient receives the funds, and the customer gets a confirmation number
Operating hours and limits
What your customers can expect:
| Rule | Details |
|---|---|
| Operating window | Monday–Friday, 06:30–17:00 (Brasília, UTC-3) |
| Settlement SLA | Same day (D+0) for transfers confirmed before 17:00 |
| Weekends / holidays | TED is unavailable; transfers must be scheduled for the next business day |
| Typical completion | Under 10 minutes from confirmation |
Transfers initiated outside the operating window are automatically rejected with a clear error indicating the next available time. No funds are moved.
What the plugin handles for you
Your team does not need to build or maintain:
- Fee calculation — fees are computed automatically via Fees Engine at the moment of initiation, before the customer confirms
- Duplicate detection — the plugin rejects repeated transfer attempts with the same details within the same window
- BACEN compliance — operating hours, limits, and audit trail are enforced automatically
- Holiday calendar — BACEN business-day validation, using a built-in seed for 2026–2028
- Webhook notifications — real-time events notify your system when a transfer is sent, received, or fails
- Reconciliation — every transfer records the JD SPB control number, timestamps, and status history, retained for 5 years per regulation
- Automatic chargebacks — if an incoming transfer cannot be matched to a recipient, the funds are returned to the origin bank without manual intervention
Getting started
Send TED (TED OUT)
Send funds to any Brazilian bank account. Covers the two-step initiate-and-confirm flow, settlement timeline, and error handling.
Receive TED (TED IN)
Automatically receive and credit incoming transfers from other banks, with no manual intervention required.
P2P Transfers
Move funds between accounts within your institution instantly, without external routing or fees.
Webhooks
Configure real-time notifications for transfer events.