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What is PIX IN?

PIX IN is the feature that allows you to receive PIX payments in your Owem account. Customers pay via dynamic QR Code and you receive the funds in seconds.

Instant

Receive in seconds, 24 hours a day, 7 days a week.

Dynamic QR Code

Each charge has its own QR Code with unique value and data.

Copy and Paste

EMV code for payment via banking apps.

Webhooks

Automatic notification when payment is confirmed.

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How It Works

1

Generate QR Code

Your application calls the API to generate a dynamic QR Code with value and description.
2

Customer Pays

The customer scans the QR Code or uses “copy and paste” in their bank app.
3

Owem Processes

The payment is processed instantly by the PIX system.
4

You Receive

The amount is credited to your Owem account and a webhook is triggered.

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Use Cases

Use CaseDescription
E-commercePIX checkout on website/app
BillingGenerate PIX invoices for customers
DonationsReceive donations with variable amounts
In-person salesQR Code on terminal or printed
SubscriptionsRecurring payment via PIX

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Dynamic QR Code

Each QR Code is unique and contains:
FieldDescription
txIdUnique transaction identifier
amountCharge amount
descriptionDescription (appears on receipt)
dueDateExpiration date
emvCode for “copy and paste”
externalIdExternal identifier for correlation
metadataObject with custom data

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Generated QR Code Example

{
  "txId": "qr_abc123def456ghi789",
  "amount": 99.9,
  "description": "Order #12345",
  "dueDate": "2025-12-31T23:59:59.000Z",
  "emv": "00020101021226580014br.gov.bcb.pix...",
  "externalId": "TX-20260113-QRCODE-001",
  "metadata": {
    "orderId": "12345",
    "customField": "custom_value"
  }
}

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Lifecycle

PENDING → PAID → SETTLED
    ↓
 EXPIRED
StatusDescription
pendingQR Code generated, awaiting payment
paidPayment confirmed
settledAmount credited to account
expiredQR Code expired without payment

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Refunds

You can refund a received PIX back to the original payer.
Refunds are only allowed up to 90 days after the original payment.

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Refund Reasons

ReasonDescription
Customer requestCustomer requested refund
Operational errorDuplicate charge or wrong amount
FraudPayment with fraudulent card

Generate QR Code

POST /v4/i/pix/in/dynamic-qrcode

Query QR Code

GET /v4/i/pix/in/dynamic-qrcode/{txId}

Refund

POST /v4/i/pix/in/refund/{endToEndId}

Query Refund

GET /v4/i/pix/in/refund/{endToEndId}

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Confirmation Webhook

When a payment is confirmed, you receive: 
{
  "event": "pix_in:qrcode_paid",
  "data": {
    "txId": "qr_abc123def456ghi789",
    "endToEndId": "E37839059202512261234567890abcdef",
    "amount": 99.9,
    "paidAt": "2025-12-26T15:30:45.000Z",
    "payer": {
      "name": "MARIA SILVA",
      "cpfCnpj": "***123456**"
    }
  }
}
Configure webhooks in Settings → Webhooks on the Owem dashboard.