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/external/pix/cash-out

Headers

Header	Type	Required	Description
Authorization	String	Yes	ApiKey {client_id}:{client_secret}
Content-Type	String	Yes	application/json
hmac	String	Yes	HMAC-SHA512 signature of the body (hex)
Idempotency-Key	String	No	Unique key to prevent duplicate processing (max 256 chars)

Request Body

Field	Type	Required	Description
amount	Integer	Yes	Amount in centavos. R$ 30.00 = 3000
emv_code	String	Yes	EMV copy and paste code from the PIX QR Code
description	String	No	Transfer description (max 140 characters)
external_id	String	No	Your system identifier for tracking. Max 128 chars. Only a-zA-Z0-9._:-. Returned in responses and webhooks.

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).

Monetary values

Request values are in centavos (R$ 1.00 = 100). Response values are in base units (R$ 1.00 = 10000). To convert the response to BRL, divide by 10,000. Never use floating point.

Example

curl -X POST https://api.owem.com.br/api/external/pix/cash-out \
  -H "Authorization: ApiKey $CLIENT_ID:$CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -H "hmac: $HMAC" \
  -d '{
    "amount": 3000,
    "emv_code": "00020126580014br.gov.bcb.pix0136a1b2c3d4-e5f6-4a7b-8c9d-0e1f2a3b4c5d5204000053039865802BR5913NOME RECEBEDOR6008BRASILIA62070503***6304ABCD",
    "description": "Pagamento via QR Code",
    "external_id": "invoice-4521"
  }'

Success Response -- 200

{
  "worked": true,
  "transaction_id": "PIXOUT20260309a1b2c3d4e5f6",
  "end_to_end_id": "E37839059202603091530abcdef01",
  "external_id": "invoice-4521",
  "amount": 300000,
  "fee_amount": 350,
  "net_amount": 300350,
  "status": "accepted",
  "detail": "PIX enviado para processamento"
}

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
external_id	String	Your identifier, returned as sent. null if not provided
amount	Integer	Transfer amount in base units (/ 10,000 for BRL). 300000 = R$ 30.00
fee_amount	Integer	Fee charged in base units (/ 10,000 for BRL)
net_amount	Integer	Net amount (amount + fee) in base units
status	String	accepted (accepted for processing) or completed (settled)
detail	String	Descriptive message

Error Response -- 400

{
  "worked": false,
  "detail": "Codigo EMV invalido ou nao reconhecido"
}

Error Response -- 422

{
  "worked": false,
  "detail": "Saldo insuficiente"
}

Next Steps

After creating the transfer, track the status via:

• Query by ID
• Query by E2E ID
• Query by Tag
• Query by External ID -- GET /api/external/transactions/ref/{external_id}

Or receive confirmation automatically via Webhook.