Documentation Index
Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
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WEpayments provides FX solutions for international companies operating in Brazil, including currency conversion for Payin (receiving) and Payout (sending) operations. This guide covers how FX works, the eFX model, and automatic conversion fees.
What is eFX (electronic foreign exchange)?
eFX is a foreign exchange transaction model that enables simultaneous conversion and settlement of cross-border payments. It is regulated by BCB Resolution nº 277/2022.
Key characteristics
| Feature | Description |
|---|
| Simultaneous execution | Currency conversion and payment settlement happen in an integrated flow |
| BRL settlement | Even international operations can settle in Brazilian reais |
| Compliance framework | Aligned with Central Bank of Brazil regulations |
| Use cases | Cross-border e-commerce, service payments, supplier payments |
How FX works at WEpayments
For international companies receiving payments (Payin)
| Step | Description |
|---|
| 1 | Customer in Brazil pays in BRL (PIX, boleto, credit card) |
| 2 | WEpayments receives the BRL payment |
| 3 | FX conversion applied based on agreed rate |
| 4 | Funds settled in your foreign currency (USD, EUR, etc.) |
For international companies sending payments (Payout)
| Step | Description |
|---|
| 1 | You send foreign currency to WEpayments |
| 2 | FX conversion applied based on agreed rate |
| 3 | WEpayments converts to BRL |
| 4 | Payment sent to Brazilian beneficiary via PIX or TED |
Automatic Conversion Fee
For cross-border operations, an automatic conversion fee applies when currency exchange is performed.
| Aspect | Details |
|---|
| What it is | Fee applied to each FX transaction |
| When charged | At the time of currency conversion |
| Who pays | The party requesting the conversion |
| Calculation | Percentage of transaction amount (varies by contract) |
💡 Contact your account manager for specific fee rates applicable to your operation.
CBD transactions (Cannabidiol) – specialized eFX flow
For merchants selling cannabidiol (CBD) products to Brazilian patients, WEpayments offers a specialized eFX payment processing structure.
Regulatory framework
| Regulation | Description |
|---|
| ANVISA RDC nº 660/2020 | Defines rules for CBD medication sales in Brazil |
| BCB Resolution nº 277/2022 | Governs eFX transactions |
Patient journey requirements
| Step | Requirement |
|---|
| 1. Medical prescription | Issued by a qualified healthcare professional |
| 2. ANVISA authorization | Patient registers with ANVISA, attaching the prescription |
| 3. Authorized purchase | Patient can purchase medication through your platform |
Recommended operational structure
| Entity | Role | Requirements |
|---|
| Foreign company | Legal seller of the medication, generates charge to patient | Must have active cross-border account at WEpayments |
| Brazilian company | Local service representative | No corporate overlap with foreign company; compensated via WEpayments Payout |
⚠️ Important: There must be no corporate overlap between the foreign seller and the Brazilian representative.
Required documents for payment release
| Document | Source |
|---|
| Medical prescription | Patient |
| ANVISA authorization | Patient |
| Invoice | Your platform |
| Identity document | Patient or legal guardian |
Payment flow and release timeline
| Step | Timing |
|---|
| Payment executed (PIX/boleto = “Paid”, credit card = “Credited”) | Immediate |
| Document submission | Via platform |
| Compliance analysis | Business days, until 12:00 BRT |
| Final credit release | After document approval |
💡 The payment will show as “Paid” or “Credited” in the system, but funds are only effectively released after document approval. Monitor status via Dashboard > Compliance menu.
Benefits of the eFX model
| Benefit | Description |
|---|
| Speed | Faster payment processing |
| FX exposure | Reduced exposure to currency fluctuation |
| Compliance | 100% aligned with Brazilian regulations |
| Local settlement | International operation with funds maintained in the country |
