PIX P2P
Introduction
Our P2P PIX solution enables merchants to intermediate transactions between buyers and sellers (submerchants) in a simple and secure way, acting as a marketplace. Both the billing and the transfer are carried out via PIX, the Central Bank of Brazil’s instant payment method, ensuring agility and reliability at every step of the process.
Getting Started
Generate Order
To generate a PIX order, you need to send a POST request to the following endpoint:
POST /api/v1/order
Host: latamgateway.com
Content-Type: "application/json"
ACCOUNT_TOKEN: "<token>"
{
"customer": {
"name": "Customer’s full name",
"document": "111.222.333-44",
"email": "[email protected]",
"phone": "11999999999",
"birth": "1996-03-09"
},
"order": {
"code": "123",
"notification_url": "your_payback_notification_url.com",
"value": 50.00,
"additional_info": "Some description of your order as String",
"payment_method": "pix",
"submerchant": {
"document": "12.345.678/0001-90"
}
}
Params descriptions
Field | Description | Value Type | Requirement |
---|---|---|---|
customer.name |
Customer's full name | String | Required |
customer.document |
Customer's document | String | Required (see notes below) |
customer.email |
Customer's email address | String | Required |
customer.phone |
Customer's phone number | String | Required |
customer.birth |
Customer's date of birth | String | Required |
order.code |
Order reference in your system | String | Required |
order.notification_url |
URL to notify when status changes | String | Required |
order.value |
Total order value | Number (decimal) | Required |
order.additional_info |
Additional description of the order | String | Required |
order.payment_method |
Payment method | String | Required |
submerchant.document |
Seller's Document | String | Required |
Note 1: The document can be a valid CPF or CNPJ. If CNPJ is used, the company name must be passed in the name parameter.
Note 2: CPF and CNPJ are the Brazilian individual and company identification numbers, respectively.
On a successful request HTTP 200 status code, the response will include the following parameters:
{
"latam_id": "7c0b8129-f556-4357-bb6e-8189c2943024",
"code": "id_in_your_system",
"confirmation_url": "https://latamgateway.com/7c0b8129-f556-4357-bb6e-8189c2943024",
"qrcode_link": "https://latamgateway.com/qrcode/7c0b8129-f556-4357-bb6e-8189c2943024"
}
Business errors due to incorrect or missing parameters are returned with an HTTP 400 status code. The response will indicate which parameter is invalid or missing.
{
"message": "Invalid document"
}
Compliance validation errors, including KYC-related issues, are returned with an HTTP 403 status code. The response will contain the following parameters:
{
"latam_id": "7c0b8129-f556-4357-bb6e-8189c2943024",
"message": "message table below",
"code": "code table below"
}
Cancellation Scenarios
Scenario | code |
message |
---|---|---|
Month's limit reached | AML-01 | AML-01: Customer has reached month’s purchase limit |
Semester's limit reached | AML-02 | AML-02: Customer has reached semester’s purchase limit |
Suspicious case | GL-01 | GL-01: Suspicious Case - Customer under investigation for unusual activities |
Legacy | GL-02 | GL-02: Legacy case. Please check with Gowd Compliance team |
Other reasons | GL-03 | GL-03: Customer blocked by Gowd Compliance team for a custom reason. Contact Gowd Compliance for details |
RFI | BL-01 | BL-01: RFI - Customer under investigation by Gowd Compliance team |
Dispute | BL-02 | BL-02: Dispute - Customer or issuing bank disputed a transaction payment |
Multiple disputes | BL-03 | BL-03: Disputes - Multiple disputes opened by the Customer or their issuing bank |
Antifraud | BL-04 | BL-04: Antifraud - Customer blocked by the Gowd antifraud engine |
Internal decision | BL-05 | BL-05: Customer blocked by Gowd Compliance team decision |
Judicial decision | BL-06 | BL-06: Customer blocked by judicial decision |
Judicial/administrative processes | BL-07 | BL-07: Customer blocked due to judicial or administrative processes |
BL - Other reason | BL-08 | BL-08: Customer blocked by Gowd Compliance team for a custom reason. Contact Gowd Compliance for details |
MED | BL-09 | BL-09: MED - Customer blocked due to a MED dispute |
Payer blocked | BL-10 | BL-10: Payer blocked by LG Compliance team decision |
Partner restriction | CR-01 | CR-01: Customer blocked by partner request |
Payment Method restriction | CR-02 | CR-02: Customer blocked from transacting with this payment method |
Maximum number of orders of the day reached | AF-01 | AF-01: Customer has reached the maximum number of daily orders |
Maximum daily purchase amount reached | AF-02 | AF-02: Customer has reached the maximum purchase amount for the day |
Maximum amount for first order of the day reached | AF-03 | AF-03: Customer has reached the maximum purchase amount for the first order of the day |
Divergence of documents | NM-01 | NM-01: Customer’s document does not match the payer’s |
Divergence of names | NM-02 | NM-02: Customer’s name does not match the payer’s |
Invalid CPF | KYC110 | Invalid CPF, please verify your date of birth and CPF number. |
Unregistered CPF | KYC110 | CPF document not found. |
Deceased holder | KYC110 | CPF document belongs to a deceased holder. Year of death: 2024. |
CPF Document suspended | KYC110 | CPF document is suspended. |
Invalid CNPJ | KYC111 | Invalid CNPJ, please verify your CNPJ number. |
Different name in Receita Federal | KYC112 | Different name from the federal revenue register of natural persons. |
Get QR code and Image
To get QR Code info and image after generating the order:
GET /api/v1/qrcode/{latam_id}
Host: latamgateway.com
Content-Type: "application/json"
ACCOUNT_TOKEN: "<token>"
The response will contain the following parameters:
{
"qrcode_data": "A string containing the complete Pix transaction information, ready to be copied and pasted into a banking application.",
"qrcode_image": "Base64 of the QR Code image"
}