Process and confirm a Pix transfer (step 2)

cURL with fictitious data

curl --request POST \
  --url https://api.example.com/spi/v1/transfers/cashout/process \
  --header 'Authorization: Bearer demo-access-token' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: pix-demo-20260903-000001' \
  --header 'X-Account-Id: 019606a1-3b4c-7d8e-9f01-234567890abc' \
  --header 'X-End-To-End-Id: E12345678202605061030abcdef12345' \
  --data '{
  "amount": "100.00",
  "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc"
}'

package main

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

func main() {

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

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

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

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	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: {
    'Idempotency-Key': '<idempotency-key>',
    'X-Account-Id': '<x-account-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({amount: '100.00', initiationId: '019606a1-3b4c-7d8e-9f01-234567890abc'})
};

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

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

print(response.text)

{
  "accountId": "019606a0-1a2b-7c3d-8e4f-567890123abc",
  "aliasId": "019606a1-3b4c-7d8e-9f01-234567890abc",
  "amount": "100.00",
  "createdAt": "2026-05-06T10:30:00Z",
  "currency": "BRL",
  "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"
    }
  },
  "endToEndId": "E12345678202605061030abcdef12345",
  "feeCharge": {
    "applied": true,
    "calculationType": "FIXED",
    "fees": [
      {
        "amount": "1.50",
        "calculationType": "FIXED",
        "calculationValue": "1.50",
        "creditAccount": "019606a3-5d6e-7f80-1a2b-345678901bcd",
        "feeLabel": "PIX_TRANSFER_FEE"
      }
    ],
    "netAmount": "98.50",
    "totalAmount": "1.50"
  },
  "id": "019606a2-4c5d-7e8f-90a1-345678901bcd",
  "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": {
    "field": "field-example"
  },
  "paymentType": "PIX",
  "purpose": "IACT",
  "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"
    }
  },
  "status": "COMPLETED",
  "type": "OUTBOUND",
  "updatedAt": "2026-05-06T10:30:05Z",
  "urgency": "HIGH"
}

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

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

{
  "code": "ERR-0001",
  "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"
  }
}

POST

transfers

cashout

process

cURL with fictitious data

curl --request POST \
  --url https://api.example.com/spi/v1/transfers/cashout/process \
  --header 'Authorization: Bearer demo-access-token' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: pix-demo-20260903-000001' \
  --header 'X-Account-Id: 019606a1-3b4c-7d8e-9f01-234567890abc' \
  --header 'X-End-To-End-Id: E12345678202605061030abcdef12345' \
  --data '{
  "amount": "100.00",
  "initiationId": "019606a1-3b4c-7d8e-9f01-234567890abc"
}'

package main

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

func main() {

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

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

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

	req.Header.Add("Idempotency-Key", "<idempotency-key>")
	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: {
    'Idempotency-Key': '<idempotency-key>',
    'X-Account-Id': '<x-account-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({amount: '100.00', initiationId: '019606a1-3b4c-7d8e-9f01-234567890abc'})
};

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

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

print(response.text)

{
  "accountId": "019606a0-1a2b-7c3d-8e4f-567890123abc",
  "aliasId": "019606a1-3b4c-7d8e-9f01-234567890abc",
  "amount": "100.00",
  "createdAt": "2026-05-06T10:30:00Z",
  "currency": "BRL",
  "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"
    }
  },
  "endToEndId": "E12345678202605061030abcdef12345",
  "feeCharge": {
    "applied": true,
    "calculationType": "FIXED",
    "fees": [
      {
        "amount": "1.50",
        "calculationType": "FIXED",
        "calculationValue": "1.50",
        "creditAccount": "019606a3-5d6e-7f80-1a2b-345678901bcd",
        "feeLabel": "PIX_TRANSFER_FEE"
      }
    ],
    "netAmount": "98.50",
    "totalAmount": "1.50"
  },
  "id": "019606a2-4c5d-7e8f-90a1-345678901bcd",
  "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": {
    "field": "field-example"
  },
  "paymentType": "PIX",
  "purpose": "IACT",
  "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"
    }
  },
  "status": "COMPLETED",
  "type": "OUTBOUND",
  "updatedAt": "2026-05-06T10:30:05Z",
  "urgency": "HIGH"
}

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

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

{
  "code": "ERR-0001",
  "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

Idempotency-Key

string

required

Client-generated key used to retry exactly the same request safely.

Required string length: 1 - 64

X-Account-Id

string

required

UUID of the account associated with the operation.

Example:

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

X-End-To-End-Id

string

Idempotency key — caller-supplied 32-char BCB endToEndId. Omit to let SPI generate 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

Error handling

Process and confirm a Pix transfer (step 2)

Authorizations

Headers

Body

Response