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About Indirect Pix

Indirect Pix is a type of instant payment system that allows institutions to participate in the Pix scheme without necessarily being traditional financial institutions that directly offer this payment method. In Indirect Pix, institutions are not directly connected to the Instant Payment System (SPI), but through a direct participant. In other words, Celcoin, as a direct participant in the scheme, offers integrations so that the indirect participant in question can be a participant in the Bacen Pix scheme. It is as if it functions as a "Pix of its own" for the business. In practical terms, the indirect participant in Pix is the institution that offers a transactional account to the end user, but not the holder of the PI Account in the banking flow.

What are the main advantages of becoming an indirect Pix participant?​

Pix Transfer: Real-time resource transfer.
Pix key management: chaves registradas no ISPB do Participante Indireto
Pix QR Code and Pix Copia & Cola (EMV): Facilitation of payments via Pix.
Pix Collection: Billing slip or consumption account with the possibility of settlement via QR Code.
Pix Return: Return of incorrect transfers.
Proof: The indirect participant's name will appear on your end users' receipts
Internal Pix: When the parties involved in the transaction have accounts at the same financial institution.
Access to the Management Panel (Cabin): Through the facilitated cabin, Celcoin allows the company to manage Pix operations, including handling infractions, returns, financial flow, statistical data on its operation and key management (by key type and operation).

Benefits​

Key management: Indirect participants have full control over Pix keys, including their creation, cancellation, portability and claim.
Modularity: It offers flexibility in operations, allowing companies to choose between using their own account architecture or Celcoin's banking core.
Autonomy: Companies maintain full control over their accounts and transactions, all natively integrated with the Central Bank's SPI.
Expertise compartilhada: The company benefits from Celcoin’s experience and technical expertise in instant payments, ensuring a smooth and efficient transition.
End customer experience: Vouchers, key ownership, Cabin.
Transparency: Identification on the Pix receipt, including the name of the indirect participant, brings transparency and reliability to financial operations, empowering both the company and its customers.
Growth and expansion: The ability to quickly scale and expand operations.
Compliance guaranteed: Celcoin fully supports the approval process with the Central Bank, ensuring the necessary compliance.
Exceptional service: It provides dedicated support, available 24/7, for support throughout the entire process - from onboarding to implementation and ongoing service.