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Pix via Open Finance

Pix via Open Finance is an advanced payment method in Brazil that uses the Open Finance ecosystem to enable direct, seamless, and secure bank-to-bank transfers, automating the standard Pix process by letting users pay from their bank app without manually copying codes, leading to instant payments, lower costs, less fraud, and better user experience for platforms and consumers.

Properties

The following table lists the product properties supported by Pix via Open Finance:
Payment type
Real-time payment
Acquirer
AntomSG, AntomBR,
AntomUS, AntomEU,
AntomUK
Merchant entity location
SG, BR,
US, EEA, UK
Funding Source
Buyer bank account
Refund
✔️
Buyer country/region
Brazil
Partial refund
✔️
Processing currency
BRL
Chargeback/Dispute
❌
Settlement currency
​BRL[1]
Settlement Cycle
T+4
Minimum payment amount
0.01 BRL
Refund period
90 days
Maximum payment amount
  • For BR merchants: Unlimited
  • For other regions' merchants: 9,500 USD, or about 55,000 BRL
Time to return the payment result
Real-time
[1] Settlements for Brazilian merchants are processed in BRL. For other regions, the settlement currency is determined by the acquirer site.

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
The following figures show the journey of paying with Pix via Open Finance:
App
image.png
  1. The buyer selects Nubank to pay.
  2. The buyer is redirected to Nubank APP.
  3. The buyer logs into the bank app.
  4. The buyer confirms the order information.
  5. The buyer views the payment result in the bank app.
  6. The buyer is redirected to the merchant result page.
Web
image.png
Note: Pix via Open Finance primarily addresses mobile user experience issues through bank app redirection. However, web users can conveniently use QR code payments. Therefore, the web flow here adopts the traditional Pix QR code process.
  1. The buyer selects Pix (payment method) to pay.
  2. The buyer obtains the QR code in Antom page.
  3. The buyer scans the QR code with the banking app.
  4. The buyer confirms the payment information.
  5. The buyer is redirected to the merchant result page.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:
Supported online payments
Supported integrations
One-time Payments
✔️ API-only
✔️ Hosted Checkout Page
✔️ Embedded Checkout Page
❌ Web Element
✔️ Mobile Element
❌ Payment links
Tokenized Payment
❌
Subscription Payment
❌
EasySafePay
❌
Scan to Link
❌