Decode a Pix EMV payload

Parses a Pix EMV payload and returns the structured payment details. Third-party payloads are accepted, so decoding is more permissive than BR Code creation: a payload without a Point of Initiation method is decoded as STATIC. keyType is inferred from the key value and omitted when no key type defined by the BCB both matches the value and passes validation. A dynamic payload is resolved at the provider, which supplies its key, amount and txId. amountChangeAllowed is true when the immediate charge lets the payer change the amount; the amount is then only a suggestion. hasRecurrence is true when the payload is a composed QR Code that also offers Pix Automático. type describes only the payment part, so a recurrence-only QR Code decodes as STATIC with no keyValue and no amount, and cannot be paid. To authorize the recurrence, send the same payload to Create authorization request from QR code. See the response schema for the rules that apply to each field.

POST /brcodes/decode

Decode a Pix EMV payload

cURL

curl --request POST \
  --url https://api.example.com/cob-hub/v1/brcodes/decode \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "emvPayload": "00020101021126580014br.gov.bcb.pix0136123e4567-e12b-12d1-a456-4266554400005204000053039865802BR5913Fulano de Tal6008BRASILIA62070503***630448CD",
  "budgetMs": 1500,
  "paymentDate": "2026-11-05"
}
'

200

recurrenceOnly

{
  "amountChangeAllowed": false,
  "hasRecurrence": true,
  "isReusable": true,
  "merchantCity": "BRASILIA",
  "merchantName": "Fulano de Tal",
  "recurrenceLocation": "pix.example.com/rec/2353c790eefb11eaadc10242ac120002",
  "type": "STATIC"
}

Autorizaciones

Authorization · string · header · requerido

JWT bearer token issued by the identity provider.

Cuerpo

application/json

emvPayload · string · requerido

EMV BR Code payload to decode

Ejemplo:

"00020101021126580014br.gov.bcb.pix0136123e4567-e12b-12d1-a456-4266554400005204000053039865802BR5913Fulano de Tal6008BRASILIA62070503***630448CD"

budgetMs · integer<int64>

Milliseconds (100 to 15000) the read of a dynamic QR's receiver may take in all; past them the answer is 502 PIX-0222. Omitted: no bound on the whole read

Ejemplo:

1500

paymentDate · string

Brasilia day (YYYY-MM-DD) a due-date charge is priced for; omitted: today

Ejemplo:

"2026-11-05"

Respuesta

200

application/json

OK

isReusable · boolean · requerido

Whether the BR Code may be paid more than once. True for every STATIC payload, including one whose Point of Initiation method is absent.

Ejemplo:

true

merchantCity · string · requerido

Ejemplo:

"Goiania"

merchantName · string · requerido

Ejemplo:

"Loja Teste"

type · enum<string> · requerido

Type embedded in the payload. A payload that names NO Point of Initiation method (EMV tag 01 absent) is reported as STATIC: EMVCo makes the element optional and defines its absence as static, and BACEN's own composed QR Code examples omit it.

Opciones disponibles: STATIC, DYNAMIC_IMMEDIATE, DYNAMIC_DUEDATE

Ejemplo:

"STATIC"

amountChangeAllowed · boolean · requerido

True only for an immediate charge (cob) whose receiver allows the payer to change the amount (BACEN valor.modalidadeAlteracao 1). The amount is then only a suggestion; zero means the payer types it. False for a static QR Code and for every due-date charge.

Ejemplo:

false

hasRecurrence · boolean · requerido

Whether the QR Code is a composed QR Code that also offers Pix Automático. It is independent of type, which describes only the payment part: a recurrence-only QR Code is reported as STATIC with no keyValue and no amount, and cannot be paid. To authorize the recurrence, send the same payload as qrCodePayload to the Pix Automático operation that creates an authorization request from a QR code.

Ejemplo:

true

amount · string

Ejemplo:

"100.50"

currency · enum<string>

Opciones disponibles: BRL

Ejemplo:

"BRL"

description · string

Ejemplo:

"Pagamento do pedido 12345"

expiresAt · string<date-time>

Ejemplo:

"2026-05-06T11:30:00Z"

keyType · enum<string>

Pix key type inferred from keyValue, ABSENT when no type both matches and validates. A CPF/CNPJ must satisfy its Modulo 11 check digits — a document that does not is unregistrable at DICT, so no type is reported. A masked document ("529.982.247-25") IS recognised. A phone is any E.164 number, not only "+55".

Opciones disponibles: CPF, CNPJ, PHONE, EMAIL, EVP

Ejemplo:

"EVP"

keyValue · string

Pix key exactly as the payload carries it, punctuation included. It is never normalized: this endpoint reports what was scanned.

Ejemplo:

"123e4567-e12b-12d1-a456-426655440000"

txId · string

Ejemplo:

"TX12345"

recurrenceLocation · string

Location of the recurrence-parameters payload, exactly as the payload carries it, without a protocol. Present only when hasRecurrence is true. It is informational: do not fetch it to authorize the recurrence. Send the payload to the Pix Automático API instead.

Ejemplo:

"pix.example.com/rec/2353c790eefb11eaadc10242ac120002"