Operation Overview - Help Center

This guide provides an end-to-end overview of payment operations on the WEpayments platform, covering Payin (receiving), Payout (sending), unified statements, and settlements.

What is Payin?

Payin is our incoming payment solution that enables your website, app, or platform to issue and manage payments in Brazil through:

Payment method	Description
Credit Card	Visa, Mastercard, Elo, Hipercard, Diners Club, American Express – with installment options up to 12x
PIX	Instant payments 24/7 via dynamic QR Code or copy-paste link
Boleto Bancário	Traditional bank slip – widely used, settlement in D+1

💡 Through processor redundancy, we ensure your checkout will be 100% online. For international companies, Payin comes with FX solutions for currency exchange and settlement in any foreign currency.

Payin flow (simplified)

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What is Payout?

Payout is our outgoing payment solution designed for companies that need to make mass payments to beneficiaries, associates, and suppliers in Brazil.

Feature	Description
Primary method	PIX – instant payments 24/7
Alternative	TED (bank transfer) – for amounts above R$15,000
FX solutions	For international companies
Intelligence	Maximizes payment conversion even with limited bank account data

Payout flow (step-by-step)

Step	Description
1. Add balance	Top up your account via bank transfer or use available Payin balance
2. Choose processing type	Select individual Payout or mass payments
3. Enter Payout details	Provide payment details and amount, or use Data Collect for self-onboarding
4. eFX (if applicable)	WEpayments finds the best exchange rate and converts funds to BRL
5. Processing	WEpayments analyzes data – if correct, payment made via PIX or TED
6. Management	Monitor status via API or Dashboard, issue reports, download receipts

Unified statement (Account > Statement)

The Unified Statement brings together all financial movements of your account in one place:

What you see	Description
Available balance	Amount you can use immediately
Balance awaiting release	Funds held due to pending KYC/compliance
Payin transactions	Incoming payments (appear as credits)
Payout transactions	Outgoing payments (appear as debits)
Fees	Transaction fees and adjustments
Future credit card installments	Month-by-month expected receipts

How to access

Go to Account in the left sidebar
Click Statement
Select a period (required)
Apply filters as needed (WE ID, category)
Download or view results

Settlements (withdrawals)

The Settlements screen allows you to request withdrawals and transfer balance between wallets.

How to create a settlement

Field	Description
Merchant	Select your registered company name
Recipient	If you have sub-wallets, select the sub-wallet (optional)
Amount	Enter amount to withdraw (must not exceed Available Balance)
Create settlement	Click to submit

Balance types

Balance	Description
Total balance	All amounts from charges that have been credited + charges paid but not yet credited
Available balance	Amount actually available for withdrawal

End-to-end operation summary

For receiving money (Payin)

Phase	Action
Integration	Integrate via API or use Dashboard
Charge creation	Generate charge for customer
Payment	Customer pays via PIX, boleto, or credit card
Settlement	Funds reach “Credited” status
Withdrawal	Request settlement to withdraw funds

For sending money (Payout)

Phase	Action
Balance	Add funds via deposit or Payin balance
Data collection	Use Data Collect or manual entry
Payment creation	Create individual or mass payment
Processing	WEpayments validates and executes
Monitoring	Track status via Dashboard or API

​What is Payin?

​Payin flow (simplified)

​What is Payout?

​Payout flow (step-by-step)

​Unified statement (Account > Statement)

​How to access

​Settlements (withdrawals)

​How to create a settlement

​Balance types

​End-to-end operation summary

​For receiving money (Payin)

​For sending money (Payout)