Overview
Cross-border business payments (PJ Payments) enable international companies to pay Brazilian suppliers, service providers, and employees efficiently and in compliance with local regulations.💡 As long as the recipient has a bank account in Brazil (PJ or PF), you can pay them via WEpayments Payout.
How it works: step-by-step
Required documentation
Per transaction
First transaction with each supplier (onboarding)
Important document requirements
⚠️ Documents with mismatched amounts will cause payment rejection.
Who can receive payments?
Examples of eligible payments
⚠️ Important compliance rule: CPF vs. CNPJ payments
When a service is contracted by a legal entity (PJ) and the Nota Fiscal is issued under that company’s CNPJ, the expected financial flow is that payment should be made to the company that issued the invoice.Risks of directing payment to an individual (CPF)
Directing payment to a CPF, even if it belongs to the company’s partner/shareholder, may create significant legal, tax, and regulatory risks:What the rule states
For compliance, governance, and regulatory security reasons, payment must remain restricted to the Nota Fiscal issuer, through credit to an account linked to that CNPJ.
Exception: When payment to CPF is permitted
Payment to CPF is permitted when the service is provided by an individual (PF) and the Nota Fiscal is issued under that individual’s CPF. In this case, the expected flow is that payment should be directed to the individual service provider.Service Level Agreements (SLAs)
💡 After the first payment with contract on file, subsequent payments are faster.
Using PIX for international payments to Brazil
💡 PIX is the fastest way to pay beneficiaries in Brazil – 24/7, instant settlement.
Intercompany payment restrictions
Due to BCB Resolution nº 561/2026, intercompany payments (where paying and receiving companies share corporate structure) are not permitted under the eFX model.⚠️ Ensure the Brazilian receiving company does not share corporate structure with the paying foreign company.
Document templates and resources
WEpayments provides resources to facilitate your documentation process:Best practices for cross-border business payments
Next steps
- Enable cross-border payments: Contact our team to activate your account
- API integration: Use our API for automated payment creation and document submission
- Documentation questions: Reach out to our Compliance team for specific guidance
Frequently Asked Questions (FAQ)
1. Can I pay a Brazilian employee via PIX?Yes. Employees with PIX keys linked to their bank account can receive payments instantly. 2. What is the difference between invoice and Nota Fiscal?
Invoice: commercial document from the foreign payer. Nota Fiscal: Brazilian tax document from the local recipient. Both are required. 3. How long does the first payment take?
Up to 3 business days for document validation. 4. How long do subsequent payments take?
Up to 1 business day once the contract is registered. 5. What happens if my invoice and Nota Fiscal amounts don’t match?
The payment will be rejected. Amounts must match exactly. 6. Can I pay a Brazilian supplier in a foreign currency?
No. Payments to Brazilian recipients must be in BRL. WEpayments handles FX conversion before sending. 7. Is a contract required for every payment?
No. The contract is required only for the first payment with each supplier and can be reused for future payments. 8. What is the minimum payment amount?
PIX: R$0.01. TED: no minimum (but fees may apply). 9. Can I pay an individual (CPF) who provided services to my company?
Yes, provided the Nota Fiscal was issued under the individual’s CPF. The payment must be directed to that same individual. 10. What if the service was provided by a PJ, but the partner asks to receive the payment on their CPF?
Not permitted. Payment must be made to the company that issued the Nota Fiscal (CNPJ). Directing the payment to the partner’s CPF creates tax, employment, and compliance risks.