Documentation Index
Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
Use this file to discover all available pages before exploring further.
When sending payments in Brazil, it is important to understand the information required to identify a beneficiary’s bank account.
Depending on the payment method, transactions can be processed using either a Pix Key or traditional bank account details. While Pix simplifies the payment process, bank account information is still commonly used for electronic transfers and operational validations.
A Brazilian bank account is typically identified by the following information:
| Field | Description | Example | Mandatory |
|---|
| Bank code | 3-digit number identifying the bank (e.g., 341 = Itaú) | 341 | Yes |
| Bank branch (Agência) | Usually 4 digits identifying the branch. If there are 5 digits, only the first 4 are mandatory | 4567 | Yes |
| Branch digit | Optional. Not all banks have it | 9 (from 45679) | No |
| Account number | Identifies the account. Can have up to 15 characters | 38219 | Yes |
| Account digit | Always the last number of the account. Must be provided separately | 7 (from 38219-7) | Yes |
| Account type | S for Savings (Poupança) or C for Checking (Corrente) | C | Yes |
💡 In our Dashboard, under the Banks option, you have access to the full list of banks with their respective codes.
PIX Key vs. Bank Details
Before PIX was launched in Brazil, all bank transfers required bank details (bank code, branch, account number, and digit). These acted as the “address” for where funds should be sent.
With PIX, a PIX Key was introduced as a simplified form of bank details.
| Feature | Bank Details | PIX Key |
|---|
| Format | Multiple fields (bank, branch, account, etc.) | Single field |
| Examples | Bank 341, Branch 4567, Account 38219-7 | CPF, CNPJ, email, phone number, or random key |
| Use case | Electronic payments (TED, DOC) | Instant payments (PIX) |
| Availability | Found in the beneficiary’s bank app or on the physical card | Registered by the account holder |
💡 A PIX Key is always linked to a bank account. You can also make a PIX payment using traditional bank details if you prefer.
Understanding CPF and CNPJ
In Brazil, taxpayer identification numbers are required for most financial operations.
CPF (Individual Taxpayer Registry)
| Aspect | Details |
|---|
| Who | Individuals (Brazilians and resident foreigners who pay taxes) |
| Format | 11 digits: 9 base digits + 2 check digits |
| Example | 231.002.999-00 |
| Validation | Typing errors result in an invalid number (check digits are mathematically derived) |
CNPJ (National Registry of Legal Entities)
| Aspect | Details |
|---|
| Who | Companies incorporated in Brazil, including foreign companies investing in Brazil |
| Format | 14 digits: 12 base digits + 2 check digits |
| Example | XX.YAX.532/0001-09 |
| Validation | Typing errors result in an invalid number |
💡 Both CPF and CNPJ can be used as PIX Keys.
Beneficiaries can usually find their banking information through:
- Their banking application
- Online banking portals
- Account statements
- Banking documentation provided by their financial institution
Best Practices
Before submitting a payment, always verify that:
- The beneficiary’s name is correct
- The CPF or CNPJ matches the account holder
- The bank code is valid
- The account and branch numbers have been entered correctly
- The correct account type has been selected
Accurate beneficiary information helps reduce payment failures and improves processing efficiency.
