PIX Cash Out by Key

Performs a PIX transfer using the recipient's PIX key.

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)

Authentication

Obtain the access_token via Auth Token. The HMAC signature must be generated as described in HMAC-SHA512.

Request Body

Field	Type	Required	Description
amount	Integer	Yes	Amount in cents. BRL 100.00 = 10000
pix_key	String	Yes	Recipient's PIX key
pix_key_type	String	Yes	Key type: cpf, cnpj, email, phone, evp
description	String	No	Transfer description (max. 140 characters)

Values in cents

All monetary values in the API are represented in cents (integer). To send BRL 1,500.75 use 150075.

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,
    "pix_key": "12345678901",
    "pix_key_type": "cpf",
    "description": "Supplier payment"
  }'

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 (format E{ISPB}...)
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 PIX key"
}

Error Response — 422

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

PIX Key Types

Type	Format	Example
cpf	11 digits (no punctuation)	12345678901
cnpj	14 digits (no punctuation)	12345678000199
email	Email address	name@company.com.br
phone	+55 + area code + number	+5511999998888
evp	UUID v4	a1b2c3d4-e5f6-4a7b-8c9d-0e1f2a3b4c5d

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.