PIX Cash Out Copy and Paste

Performs a PIX transfer using the EMV code (copy and paste) extracted from a PIX QR Code.

Endpoint

POST /api/v2/external/pix/cash-out

Headers

Header	Type	Required	Description
Authorization	String	Yes	Bearer {access_token}
Content-Type	String	Yes	application/json
hmac	String	Yes	HMAC-SHA512 signature of the body (hex)

Request Body

Field	Type	Required	Description
amount	Integer	Yes	Amount in cents. BRL 100.00 = 10000
emv_code	String	Yes	EMV copy and paste code from the PIX QR Code
description	String	No	Transfer description (max. 140 characters)

Copy and Paste Code

The emv_code field accepts the full EMV code copied from a PIX QR Code. The API automatically extracts the PIX key, recipient data, and the original charge amount from the EMV payload.

Transfer amount

The amount field must be provided even when the QR Code already contains a value. The API validates that the provided amount is compatible with the QR Code (static or dynamic).

Example

curl -X POST https://api.owem.com.br/api/v2/external/pix/cash-out \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -H "hmac: $HMAC" \
  -d '{
    "amount": 10000,
    "emv_code": "00020126580014br.gov.bcb.pix0136a1b2c3d4-e5f6-4a7b-8c9d-0e1f2a3b4c5d5204000053039865802BR5913NOME RECEBEDOR6008BRASILIA62070503***6304ABCD",
    "description": "Payment via QR Code"
  }'

Success Response — 200

{
  "worked": true,
  "transaction_id": "PIXOUT20260309a1b2c3d4e5f6",
  "end_to_end_id": "E37839059202603091530abcdef01",
  "amount": 10000,
  "fee": 0,
  "status": "processing",
  "detail": "PIX sent for processing"
}

Field	Type	Description
worked	Boolean	true indicates the request was accepted
transaction_id	String	Unique transaction identifier
end_to_end_id	String	End-to-End identifier in SPI/BACEN
amount	Integer	Transfer amount in cents
fee	Integer	Fee charged in cents
status	String	Initial status: processing
detail	String	Descriptive message

Error Response — 400

{
  "worked": false,
  "detail": "Invalid or unrecognized EMV code"
}

Error Response — 422

{
  "worked": false,
  "detail": "Insufficient balance"
}

Next Steps

After creating the transfer, track the status via:

• Query by ID
• Query by E2E ID
• Query by Tag

Or receive confirmation automatically via Webhook.