PIX支払い QRコードジェネレータ

What is a PIX QR Code?

A PIX QR code encodes payment data in the format defined by the Banco Central do Brasil (BACEN) for the PIX instant payment system. When a PIX-enabled banking app scans the code, the transfer details appear automatically. The account holder confirms with their app PIN and the funds transfer happens in under ten seconds — 24 hours a day, 7 days a week, including weekends and bank holidays. No TED delay, no DOC settlement window, no intermediary.

PIX launched in November 2020 and became the most used payment method in Brazil by 2022, surpassing card payments and bank transfers in transaction volume. With over 140 million registered users and integration across virtually every Brazilian financial institution, a PIX QR code reaches essentially the entire adult Brazilian banking population.

How to Create a PIX QR Code with QR Code Monkey

This generator generates PIX QR codes in the standard BACEN EMV format used by all Brazilian banking apps.

Step 1: Enter Your PIX Key and Details

Select the PIX Payment tab. Enter your PIX key — this can be your CPF/CNPJ, mobile phone number, email address, or a random key generated by your bank. Optionally enter your name (as it will appear in the payer app), a specific payment amount in BRL, and a transaction identifier or message for your own records. If you use this code for variable-price sales, leave the amount blank.

Step 2: Design the Code

PIX branding uses a distinctive teal-green colour. You can incorporate PIX brand elements or use your own business colours. For physical retail, print at a generous size (minimum 5cm × 5cm) on a rigid stand to withstand the physical scanning flow.

Step 3: Download and Display

Download as PNG, SVG, or PDF. Print for checkout counters, restaurant tables, market stalls, invoices, and delivery receipts. Digital versions can be embedded in emails, WhatsApp messages, and website payment pages.

Where PIX QR Codes Are Used

Brazilian retail commerce has adopted PIX QR codes at scale across every sector. Street food vendors, pharmacies, clothing boutiques, supermarkets, and large retail chains all display PIX QR codes as a primary payment option. Motoboy delivery drivers collect payment via PIX QR on handoff. Restaurants use table-top PIX QR stands for bill settlement without a waiter terminal visit.

Freelancers and autonomous workers — graphic designers, personal trainers, domestic workers, beauty professionals — use PIX QR codes printed on business cards and phone screens for instant, zero-fee payment collection. E-commerce sellers in Brazil include PIX QR codes on boleto alternatives, offering instant settlement versus the three-day boleto clearing window.

Best Practices for PIX QR Codes

For merchant use, register a separate business PIX key linked to your CNPJ rather than your personal CPF. Business PIX keys have higher transaction limits, transaction reports through your banking app, and clear separation between personal and business finances. Most major Brazilian banks and fintechs including Nubank, Itaú, Bradesco, Banco do Brasil, and Caixa support CNPJ PIX registration.

For physical display, protect printed PIX QR codes with lamination. A scratched or worn code will scan unreliably. Regularly verify the code still scans correctly — any damage to the QR pattern that exceeds the error correction threshold will make it unreadable. Replace prints every few months in high-traffic environments.

Frequently Asked Questions

Are there fees for PIX transactions?

PIX is free for individuals (CPF holders) on both sending and receiving sides. For legal entities (CNPJ) receiving PIX payments, banks may charge a small merchant fee depending on your banking plan. The fee, when it exists, is typically lower than card processing rates. Confirm the current merchant PIX fee with your specific banking institution as it varies by bank and account type.

Does a PIX QR code work internationally?

PIX currently operates within Brazil only — it is a domestic Banco Central payment rail. International PIX expansion is in development but not yet live for commercial use as of 2026. For receiving payments from abroad, use international payment methods such as PayPal or bank wire transfer.

Can I use any PIX key type in the QR code?

Yes. Any registered PIX key works — CPF, CNPJ, mobile phone number, email, or random key. From the payer experience, all key types look the same once the QR is scanned. Choose the key type that you consider most stable for long-term use. A random key is often recommended for public-facing business codes because it avoids exposing personal tax ID (CPF) or contact details publicly.

What is the transaction limit for PIX QR codes?

PIX transaction limits are set by the payer bank, not by the QR code itself. Limits vary by bank and account type and can typically be adjusted by the account holder in their banking app. Daytime limits are generally higher than overnight limits. For high-value merchant transactions, encourage buyers to check their daily PIX limit if a payment fails.

PIX QR Codes for Brazilian Businesses

PIX QR codes from This generator follow the Banco Central do Brasil EMV payment QR code standard (BACEN DICT). The generated code uses the correct payload format including the merchant account information, transaction currency code for BRL, and optional transaction amount field. The output is compatible with all PIX-enabled banking apps regulated by BACEN.

For Brazilian e-commerce businesses and brick-and-mortar retailers looking to display branded payment codes, This generator provides the customisation options that standard bank-issued PIX QR codes do not — branded colors, logo placement, and professional dot styles that match your visual identity. A PIX QR code that looks like part of your brand identity rather than a generic bank-issued sticker reinforces the professionalism of your business and increases payment adoption at the point of sale.

Can I use a PIX QR code for split payments between multiple recipients?

PIX QR codes encode a single recipient PIX key and transfer the full scanned amount to that one account. Split payments between multiple PIX keys are not supported by a single QR code. To collect from multiple parties for a shared bill or group purchase, each party scans the same QR code and pays their share separately. Each PIX transaction is independent and the funds arrive individually in the beneficiary account.