Brazilian companies can use PIX for local BRL collections and payouts while adding USD and EUR routes for international business. This guide covers the available rails, account setup, onboarding documents, and Brazil's virtual-asset framework.
International payment routes for Brazilian companies
An approved Brazilian company can collect and send BRL through PIX, receive USD or EUR from overseas customers, and pay international suppliers. Invoices, transaction records, and supporting documents stay together for reconciliation and review.
Both PIX pay-in and payout use account details in the company's name. For cross-border customer and supplier payments, fiat transfers provide the clearest transaction record.
Supported payment rails
PIX supports both pay-in and payout with account details in the company's name. USD is available through SWIFT.
| Currency | Direction | Corridor | USD vs Spread | Payment Fee | Sender account |
|---|---|---|---|---|---|
| USD | Pay-in | SWIFT (Global) | - | $25 | Account under your company name |
| USD | Payout | SWIFT (Global) | - | $25 | Account under your company name |
| BRL* | Pay-in | PIX | 0.45% | R$ 0.20 | Account under your company name |
| BRL* | Payout | PIX | 0.35% | R$ 0.20 | Account under your company name |
*The Brazilian real fluctuates, which may affect current pricing.
Documents to prepare
For onboarding, a Brazilian company should prepare:
- a Cartão CNPJ and Junta Comercial registration showing the NIRE
- the current articles or consolidated corporate documents
- proof of address dated within the past 90 days
- an Ata de Assembleia or Reunião and a Procuração if a representative submits the application
HEVN may also request identity documents for directors and beneficial owners, an ownership chart, contracts and invoices, expected counterparties, and evidence of source of funds.
Stablecoins and regulation in Brazil
Brazil's Law No. 14,478/2022 defines virtual assets that may be used for payments or investment and requires authorization for virtual-asset service providers. The framework regulates providers and activities rather than treating every stablecoin as approved or risk-free.
Brazilian companies may use supported stablecoins through approved providers, subject to the token, payment purpose, tax treatment, and foreign-exchange rules. For ordinary customer and supplier payments, PIX or international fiat transfers are usually simpler and create bank records that are easier to reconcile.
Benefits of a Fiat Account for a Brazilian company
- Receive payments from US customers through ACH or domestic wire.
- Use account details in your company's name for both BRL and USD payments.
- Keep USD to pay US suppliers, contractors, software vendors, and other operating costs.
- Move funds between the named BRL account and the Fiat Account when another currency or payment rail is needed.
- Keep invoices, payment records, confirmations, exports, roles, and approvals in one workspace.
We'll confirm available accounts, payment rails, limits, pricing, and expected account-opening time during onboarding.
