Coinepay | How to Send Money to Pix from Abroad with Coinepay

Pix is Banco Central do Brasil's instant-payment scheme, used across Brazil to move Brazilian reais (BRL) between eligible accounts, normally in seconds, 24 hours a day including weekends and holidays. If you want to send money from abroad to someone in Brazil, Coinepay Global Remittance can convert your funds and deliver BRL to the recipient's Pix-enabled account. This guide walks through what you need, how the transfer works, and what to do if something goes wrong.

Before you start, make sure you have registered with Coinepay and completed identity verification (KYC). Cross-border transfers are subject to identity verification, sanctions screening and local regulations, so this step is required before you can send.

What Pix is and where it is used

Pix is a Brazil-only instant-payment system operated by the central bank. It settles in Brazilian reais (BRL). A few important points to keep in mind:

Pix is not a single wallet brand. A qualifying account at any Pix-participating institution can receive a Pix payment, whether that is a traditional bank or a digital wallet app.
A phone number or wallet app on its own does not guarantee the account can receive Pix \u2014 the recipient must hold an account at a Pix-participating institution.
Sending BRL to a Pix account is different from Pix por aproxima\u00e7\u00e3o (contactless Pix at an NFC terminal). This guide covers sending money to a recipient's account, not contactless payments.

What details you need from the recipient

The simplest way to send is with the recipient's registered Pix key (chave Pix). A Pix key can be any of the following, linked to the recipient's account:

Mobile number \u2014 stored in international E.164 format in the official directory.
Email address.
CPF \u2014 the recipient's 11-digit individual tax number, no punctuation.
CNPJ \u2014 a 14-character business tax number, no punctuation.
Random key \u2014 a hyphenated UUID generated by the recipient's app.

Ask the recipient for the full name exactly as registered on their Pix account so you can confirm it matches what Coinepay displays. A Pix key is not strictly mandatory to receive Pix \u2014 where the sending service permits, account details can be used instead \u2014 but a key is usually the quickest route. Coinepay's input field may show its own presentation requirements, so enter the key exactly as prompted.

Step by step: sending to Pix with Coinepay

Open the Coinepay app (iOS or Google Play) or sign in to the dashboard, and choose Global Remittance.
Choose the destination: select Brazil as the country and BRL as the payout currency.
Select the Pix payout method when prompted for how the recipient should receive the money.
Enter the recipient's Pix key (or account details, where offered) and the recipient's full registered name.
Enter the amount you want to send or the amount you want the recipient to receive.
Review the exchange rate and fees. Coinepay shows the rate, any fees and the estimated arrival time clearly before you confirm \u2014 read this screen carefully.
Check the displayed recipient. A Pix-key lookup identifies the linked account holder and institution. Confirm that the name and institution match your intended recipient before you authorize anything.
Confirm the transfer. You may be asked to supply the purpose of the payment or the source of funds; provide accurate information so the compliance check can proceed.

Tracking the transfer and how the recipient sees it

Every Coinepay transfer has status tracking. You can follow its progress from the app or dashboard, which are available 24/7, and you'll see status updates as the transfer moves from processing to paid out. Keep the recipient's details handy in case support needs to reference the transfer.

On the recipient's side, once Coinepay's partner delivers the BRL through Pix the credit normally lands in their account within seconds and they see it as an incoming Pix in their banking or wallet app. As with any remittance, the end-to-end time depends on the payout method and destination country; Coinepay transfers can arrive in as little as 10 minutes, and the estimate shown before you confirm is your best guide for a specific transfer.

Recipient account limits to be aware of

Pix has no scheme-wide minimum amount, but each participating institution sets its own maximums under Banco Central rules, so both the amount you can send and what the recipient can receive may be shaped by their account limits. A few general Pix rules worth knowing:

For an individual-to-individual payment, a nighttime limit of R$1,000 typically applies between 20:00 and 06:00 unless the customer has changed it; a customer can request a 22:00 start instead.
If a recipient needs their limit raised, an approved increase generally takes effect 24\u201348 hours after the request rather than immediately, while a reduction is immediate.

These are account-side settings managed by the recipient with their own institution. If a payment can't be received because of a limit, the recipient may need to adjust it on their end.

Troubleshooting

Pix key not found or won't validate

This usually means the key is unregistered or was entered incorrectly. Double-check the format \u2014 E.164 for a mobile number, 11 digits for CPF, 14 characters for CNPJ, or a hyphenated UUID for a random key \u2014 and ask the recipient to confirm the key is active. A key already registered elsewhere may require portability on the recipient's side.

Name mismatch

If the account holder shown after the key lookup doesn't match the name your recipient gave you, stop and verify before confirming. The displayed name comes from the account linked to that key; a mismatch may mean a wrong key or a shared/old key. Ask the recipient to resend their correct key and exact registered name.

Wrong number or wrong recipient

Always confirm the displayed recipient before authorizing. Under Pix rules, if money is sent to the wrong person because of the payer's own entry error, the fraud-return mechanism (MED) does not apply; recovery would depend on asking the recipient or their institution for help. Review every detail carefully at the confirmation step to avoid this.

Wallet limit reached or account unverified

If the recipient's account is unverified or has hit a limit, the credit may be blocked or delayed. The recipient should check their account status and limits with their institution. An increase they request may take 24\u201348 hours to apply.

Compliance review

Coinepay screens customers and counterparties against sanctions lists and applies local regulations, so a transfer may be held while checks complete. You may be asked for documents such as the purpose or source of funds \u2014 respond promptly to keep things moving. Coinepay sends to every country and region except those under comprehensive sanctions, and cannot send to sanctioned persons.

Payment refused or delayed on the Pix side

Institution-set limits and fraud checks can prevent or delay a Pix credit. If a transfer stalls after Coinepay has processed it, check the status in your dashboard and contact Coinepay support with the transfer reference.

Get started

Ready to send? Create your Coinepay account, complete verification, and set up your first Pix payout from the app. For help at any stage, reach the support team or the Coinepay community channel. You can also learn more at the Coinepay home page.

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FAQ

What details do I need to send money to a Pix account?

You need the recipient's registered Pix key \u2014 a mobile number, email, CPF, CNPJ or random key \u2014 and their full name exactly as registered. Where account details are accepted instead, you can use those. Always confirm the account holder shown before authorizing.

What currency does Pix use?

Pix settles in Brazilian reais (BRL) and is used in Brazil. When you send from abroad with Coinepay, your funds are converted to BRL and delivered to the recipient's Pix-enabled account. The exchange rate and fees are shown in the app before you confirm.

How fast does a Pix transfer from Coinepay arrive?

Coinepay transfers can arrive in as little as 10 minutes, though the actual time depends on the payout method and destination country. Pix itself normally credits accounts within seconds once delivered. The estimated arrival time is shown before you confirm.

I sent money to the wrong Pix key \u2014 can I get it back?

If the error was your own, Pix's fraud-return mechanism (MED) does not apply, and recovery depends on the recipient or their institution. Always check the recipient name shown after the key lookup before confirming. Contact Coinepay support for help with a transfer you have questions about.

Why is my Coinepay transfer to Brazil under review?

All transfers are subject to identity verification, sanctions screening and local regulations. Coinepay may ask for documents such as the purpose or source of funds. Provide accurate information promptly so the review can be completed and the Pix payout released.

How to Send Money to Pix from Abroad with Coinepay