Process and confirm a Pix transfer (step 2)

curl --request POST \
  --url https://api.example.com/spi/v1/transfers/cashout/process \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Account-Id: <x-account-id>' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc",
  "amount": "100.00"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/spi/v1/transfers/cashout/process"

	payload := strings.NewReader("{\n  \"initiationId\": \"019606a1-3b4c-7d8e-9f01-234567890abc\",\n  \"amount\": \"100.00\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("X-Account-Id", "<x-account-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    'X-Account-Id': '<x-account-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({initiationId: '019606a1-3b4c-7d8e-9f01-234567890abc', amount: '100.00'})
};

fetch('https://api.example.com/spi/v1/transfers/cashout/process', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.example.com/spi/v1/transfers/cashout/process"

payload = {
    "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc",
    "amount": "100.00"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "X-Account-Id": "<x-account-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "amount": "100.00",
  "createdAt": "2026-05-06T10:30:00Z",
  "endToEndId": "E12345678202605061030abcdef12345",
  "id": "019606a2-4c5d-7e8f-90a1-345678901bcd",
  "status": "COMPLETED",
  "type": "OUTBOUND",
  "updatedAt": "2026-05-06T10:30:05Z",
  "accountId": "019606a0-1a2b-7c3d-8e4f-567890123abc",
  "aliasId": "<string>",
  "alreadyRefundedAmount": "60.00",
  "currency": "BRL",
  "deletedAt": "2023-11-07T05:31:56Z",
  "description": "Pagamento de aluguel",
  "destination": {
    "account": {
      "branch": "0001",
      "number": "0007654321",
      "participant": "87654321",
      "type": "CACC"
    },
    "key": "+5511999998888",
    "owner": {
      "document": "12345678901",
      "name": "João da Silva",
      "tradeName": "Empresa Exemplo LTDA",
      "type": "NATURAL_PERSON"
    }
  },
  "feeCharge": {
    "applied": true,
    "calculationType": "FIXED",
    "fees": [
      {
        "amount": "1.50",
        "feeLabel": "PIX_TRANSFER_FEE",
        "calculationType": "FIXED",
        "calculationValue": "1.50",
        "creditAccount": "019606a3-5d6e-7f80-1a2b-345678901bcd"
      }
    ],
    "netAmount": "98.50",
    "totalAmount": "1.50"
  },
  "initiatedAt": "2026-05-06T10:30:00Z",
  "initiationType": "DICT",
  "ledger": {
    "destinationOperationId": "019606a5-7f80-7182-3c4d-56789012cdf1",
    "revert": {
      "destinationOperationId": "019606a5-7f80-7182-3c4d-56789012cdf1",
      "sourceOperationId": "019606a5-7f80-7182-3c4d-56789012cdf0",
      "transactionId": "019606a5-7f80-7182-3c4d-56789012cdef"
    },
    "sourceOperationId": "019606a5-7f80-7182-3c4d-56789012cdf0",
    "transactionId": "019606a5-7f80-7182-3c4d-56789012cdef"
  },
  "metadata": {},
  "paymentType": "PIX",
  "purpose": "IACT",
  "remainingRefundableAmount": "40.00",
  "source": {
    "account": {
      "branch": "0001",
      "number": "0007654321",
      "participant": "87654321",
      "type": "CACC"
    },
    "key": "+5511999998888",
    "owner": {
      "document": "12345678901",
      "name": "João da Silva",
      "tradeName": "Empresa Exemplo LTDA",
      "type": "NATURAL_PERSON"
    }
  },
  "urgency": "HIGH"
}

{
  "code": "PIX-0030",
  "title": "Idempotency Key Required",
  "message": "The X-Idempotency header is required for this operation and must be within the accepted length."
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0320",
  "title": "Not Found",
  "status": 404,
  "detail": "Initiation ID does not exist.",
  "code": "PIX-0320"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0322",
  "title": "Conflict",
  "status": 409,
  "detail": "Initiation was already confirmed.",
  "code": "PIX-0322"
}

{
  "code": "PIX-0031",
  "title": "Idempotency Key Conflict",
  "message": "The X-Idempotency header was already used with a different request."
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0016",
  "title": "Unsupported Media Type",
  "status": 415,
  "detail": "The request body must be sent with Content-Type: application/json.",
  "code": "PIX-0016"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0321",
  "title": "Unprocessable Entity",
  "status": 422,
  "detail": "Initiation has expired.",
  "code": "PIX-0321"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0000",
  "title": "Internal Server Error",
  "status": 500,
  "detail": "The server could not complete the request. Please try again later.",
  "code": "PIX-0000"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0324",
  "title": "Bad Gateway",
  "status": 502,
  "detail": "The server could not complete the request. Please try again later.",
  "code": "PIX-0324"
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

Process and confirm a Pix transfer (step 2)

Confirms a previously initiated transfer, debits the source account, and submits the Pix payment for processing. When the submission fails without proof that the order never left (a timeout or a 5xx), the debit is kept and the call answers 201 with status PROCESSING: read the transfer for the outcome. A 502 PIX-0325 answers only an order that provably was not sent, after a revert of the debit was attempted.

POST

transfers

cashout

process

Process and confirm a Pix transfer (step 2)

curl --request POST \
  --url https://api.example.com/spi/v1/transfers/cashout/process \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Account-Id: <x-account-id>' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc",
  "amount": "100.00"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.example.com/spi/v1/transfers/cashout/process"

	payload := strings.NewReader("{\n  \"initiationId\": \"019606a1-3b4c-7d8e-9f01-234567890abc\",\n  \"amount\": \"100.00\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("X-Account-Id", "<x-account-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    'X-Account-Id': '<x-account-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({initiationId: '019606a1-3b4c-7d8e-9f01-234567890abc', amount: '100.00'})
};

fetch('https://api.example.com/spi/v1/transfers/cashout/process', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.example.com/spi/v1/transfers/cashout/process"

payload = {
    "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc",
    "amount": "100.00"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "X-Account-Id": "<x-account-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "amount": "100.00",
  "createdAt": "2026-05-06T10:30:00Z",
  "endToEndId": "E12345678202605061030abcdef12345",
  "id": "019606a2-4c5d-7e8f-90a1-345678901bcd",
  "status": "COMPLETED",
  "type": "OUTBOUND",
  "updatedAt": "2026-05-06T10:30:05Z",
  "accountId": "019606a0-1a2b-7c3d-8e4f-567890123abc",
  "aliasId": "<string>",
  "alreadyRefundedAmount": "60.00",
  "currency": "BRL",
  "deletedAt": "2023-11-07T05:31:56Z",
  "description": "Pagamento de aluguel",
  "destination": {
    "account": {
      "branch": "0001",
      "number": "0007654321",
      "participant": "87654321",
      "type": "CACC"
    },
    "key": "+5511999998888",
    "owner": {
      "document": "12345678901",
      "name": "João da Silva",
      "tradeName": "Empresa Exemplo LTDA",
      "type": "NATURAL_PERSON"
    }
  },
  "feeCharge": {
    "applied": true,
    "calculationType": "FIXED",
    "fees": [
      {
        "amount": "1.50",
        "feeLabel": "PIX_TRANSFER_FEE",
        "calculationType": "FIXED",
        "calculationValue": "1.50",
        "creditAccount": "019606a3-5d6e-7f80-1a2b-345678901bcd"
      }
    ],
    "netAmount": "98.50",
    "totalAmount": "1.50"
  },
  "initiatedAt": "2026-05-06T10:30:00Z",
  "initiationType": "DICT",
  "ledger": {
    "destinationOperationId": "019606a5-7f80-7182-3c4d-56789012cdf1",
    "revert": {
      "destinationOperationId": "019606a5-7f80-7182-3c4d-56789012cdf1",
      "sourceOperationId": "019606a5-7f80-7182-3c4d-56789012cdf0",
      "transactionId": "019606a5-7f80-7182-3c4d-56789012cdef"
    },
    "sourceOperationId": "019606a5-7f80-7182-3c4d-56789012cdf0",
    "transactionId": "019606a5-7f80-7182-3c4d-56789012cdef"
  },
  "metadata": {},
  "paymentType": "PIX",
  "purpose": "IACT",
  "remainingRefundableAmount": "40.00",
  "source": {
    "account": {
      "branch": "0001",
      "number": "0007654321",
      "participant": "87654321",
      "type": "CACC"
    },
    "key": "+5511999998888",
    "owner": {
      "document": "12345678901",
      "name": "João da Silva",
      "tradeName": "Empresa Exemplo LTDA",
      "type": "NATURAL_PERSON"
    }
  },
  "urgency": "HIGH"
}

{
  "code": "PIX-0030",
  "title": "Idempotency Key Required",
  "message": "The X-Idempotency header is required for this operation and must be within the accepted length."
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0320",
  "title": "Not Found",
  "status": 404,
  "detail": "Initiation ID does not exist.",
  "code": "PIX-0320"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0322",
  "title": "Conflict",
  "status": 409,
  "detail": "Initiation was already confirmed.",
  "code": "PIX-0322"
}

{
  "code": "PIX-0031",
  "title": "Idempotency Key Conflict",
  "message": "The X-Idempotency header was already used with a different request."
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0016",
  "title": "Unsupported Media Type",
  "status": 415,
  "detail": "The request body must be sent with Content-Type: application/json.",
  "code": "PIX-0016"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0321",
  "title": "Unprocessable Entity",
  "status": 422,
  "detail": "Initiation has expired.",
  "code": "PIX-0321"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0000",
  "title": "Internal Server Error",
  "status": 500,
  "detail": "The server could not complete the request. Please try again later.",
  "code": "PIX-0000"
}

{
  "type": "https://errors.lerian.studio/v1/PIX-0324",
  "title": "Bad Gateway",
  "status": 502,
  "detail": "The server could not complete the request. Please try again later.",
  "code": "PIX-0324"
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

Authorizations

Authorization

string

header

required

JWT bearer token issued by the identity provider.

Headers

X-Idempotency

string

required

REQUIRED. Client-supplied replay key, at most 64 bytes. A request without it is refused with PIX-0030 @ 400 before the handler runs. Replaying the same key with a divergent method, URL or body is PIX-0031 @ 412.

Required string length: 1 - 64

X-Account-Id

string

required

Source account UUID

Example:

"019606a1-3b4c-7d8e-9f01-234567890abc"

X-End-To-End-Id

string

Optional caller-supplied 32-char BACEN endToEndId, accepted for MANUAL initiations only (omit it to let SPI generate one). It is not the idempotency key -- that is X-Idempotency. A DICT or QR_CODE initiation already fixed its endToEndId at initiate (returned as endToEndId) and process reuses it automatically: for those, omit this header; sending it, even with the same value, is refused (PIX-0300) while the initiation is pending -- a retry of a process that already concluded (initiation CONFIRMED) returns the existing transfer, without the header or with a well-formed one.

Example:

"E12345678202605061030abcdef12345"

Body

application/json

initiationId

string

required

Initiation UUID returned by step 1

Example:

"019606a1-3b4c-7d8e-9f01-234567890abc"

amount

string

Confirmed amount (required unless locked by a static QR)

Example:

"100.00"

Response

Created

amount

string

required

Example:

"100.00"

createdAt

string<date-time>

required

Example:

"2026-05-06T10:30:00Z"

endToEndId

string

required

Example:

"E12345678202605061030abcdef12345"

string

required

Example:

"019606a2-4c5d-7e8f-90a1-345678901bcd"

status

string

required

Example:

"COMPLETED"

type

string

required

Example:

"OUTBOUND"

updatedAt

string<date-time>

required

Example:

"2026-05-06T10:30:05Z"

accountId

string

Example:

"019606a0-1a2b-7c3d-8e4f-567890123abc"

aliasId

string

alreadyRefundedAmount

string

Cross-mechanism settled and reserved refund amount. Returned only for INBOUND transfers.

Example:

"60.00"

currency

string

Example:

"BRL"

deletedAt

string<date-time>

description

string

Example:

"Pagamento de aluguel"

destination

object

Show child attributes

feeCharge

object

Show child attributes

initiatedAt

string<date-time>

Example:

"2026-05-06T10:30:00Z"

initiationType

string

Example:

"DICT"

ledger

object

Show child attributes

metadata

object

Show child attributes

paymentType

string

Example:

"PIX"

purpose

string

Example:

"IACT"

remainingRefundableAmount

string

Amount minus alreadyRefundedAmount. Returned only for INBOUND transfers and can be negative.

Example:

"40.00"

source

object

Show child attributes

urgency

string

Example:

"HIGH"

DICT and Pix keys

Collections and BR Codes

Payments and refunds

Pix Automático API

Error handling

Process and confirm a Pix transfer (step 2)

Authorizations

Headers

Body

Response