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, backed by the
bacen_holidaystable (seeded for 2026–2099) - 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 returns (devolução) — if an incoming transfer cannot be credited to a recipient, the funds are returned to the origin bank without manual intervention (distinct from a chargeback, which reverses an already-completed credit)