Pix checkout, 50% faster.
Receive Pix in any account, settled instantly with no chargebacks — no QR Code, no copy-and-paste, and no leaving the checkout to finish the purchase.
No copy-and-paste. Seamless journey.
Finding the QR Code, copying the code, leaving to open the bank app, pasting, paying and returning to the checkout. Every step of traditional Pix is a chance for the customer to drop off.
QR Code and copy-and-paste
The customer has to find the code, copy and paste it in the bank app. Every manual step is friction — and a chance for error.
Hunting for the bank app
They leave your checkout to look for the bank app. Outside your store, outside your control.
Coming back to checkout
After paying, they still have to return to the checkout to complete. Many never come back.
From cart to confirmation.
The user picks the bank, is redirected to authorize in the app, and returns straight to your checkout. Frictionless.
More than a Pix button. The seamless journey.
Pay by Bank covers checkout end-to-end — receipt, confirmation, brand and scheduling.
Receive in any account
Immediate payment confirmation, in a corporate account at any bank. No BaaS, no middleman.
Instant confirmation
Payment notification and webhook the moment the Pix settles. No waiting to see.
Your brand at checkout
The entire journey with your brand — on Iniciador's license or your own, via white-label SDK.
Now or scheduled
Pay now or schedule for a future date — same flow, no friction.
What about a checkout with no redirect? Meet Payment with Passkeys.
Pay by Bank takes the customer to the bank app to authorize. With Payment with Passkeys, authorization happens inside your own app with Face ID or fingerprint — the shortest Pix checkout journey there is.
Payment confirmed via device biometrics, with no redirect and no leaving your app. Multiple payments with a single authorization.
“Iniciador is the Open Finance benchmark and sits at the technical frontier. They were the first player to launch Smart Transfers, letting Magie become a real bank inside WhatsApp. We now design product together with the Iniciador team — and the partnership has delivered great results.”
“Iniciador works alongside us on the most advanced Open Finance work in Brazil — from technical certification to the day-to-day operation of our products. It's the kind of partnership that makes a difference in a market still being built.”
The Pix checkout that converts.
No copy-and-paste.
Receive Pix in any account, with instant confirmation and your brand. Live on Iniciador's license in ~2 weeks.