Pay recipients in Brazil in reais from your USD account. Altitude converts the funds and delivers them through Pix, Brazil's instant payment network. The exchange rate, the fee and the exact amount your recipient will receive are shown before you send.
To send USD to a Brazilian account via SWIFT instead, see Send an international payment.
Send a BRL payment
Select Pay from the action bar.
Choose a recipient, or select Add recipient and pick Brazilian real as the destination currency. You'll need their Pix key, their CPF or CNPJ, and address. Double-check the details – they can't be edited after saving.
Choose the USD account to pay from and enter the amount – in USD, or in BRL if the recipient needs to receive an exact amount. The rate, fee and recipient amount update as you type.
Add a payment reference. It appears on the recipient's bank statement. Invoice number, due date, note and attachments are optional.
Review and select Send.
The payment goes to your Inbox for approval and execution.
Note: A Pix key is the email address, phone number, CPF/CNPJ or random key the recipient registered with their bank; random keys must be entered in lowercase. Use a payment reference your recipient will recognise – their bank statement shows our payment partner as the sender rather than your business name.
Exchange rate and fee
Fee: Altitude charges 0.4% above the mid-market exchange rate for BRL payments. This covers currency conversion and payment costs and is included in the rate shown. The fee is the same at any volume – there are no monthly allowances or volume tiers.
Your recipient receives exactly the amount quoted – nothing is deducted on the way.
The quote refreshes every 30 seconds while you enter the amount. Once you send, the rate and recipient amount are fixed for that payment, including while it waits for approval.
The rate and fee are saved with the payment and appear in its details and in the confirmation PDF you can download from Transactions.
See How payments work for how exchange rates are set.
Note: If a payment can't be delivered, the funds come back to your USD account at the exchange rate at the time of the return, so the USD amount can differ slightly from what you sent.
Timing and limits
Pix runs 24/7. Payments usually arrive within a few minutes of being executed, and within 30 minutes for large amounts; any compliance review of the payment adds to that.
Very large payments may be asked for supporting documents such as an invoice.
Minimum: BRL payments have a minimum of 20 BRL per transfer. There is no maximum.
Availability
BRL payments are enabled per workspace. If Pix shows as under review when you add a recipient, it isn't enabled for you yet – contact [email protected] to request access. Pix may require some additional business information before it can be enabled.
Paying an invoice? Bill Pay handles USD, EUR and stablecoin invoices today. For a BRL invoice, start from Pay and enter the invoice total as the amount the recipient receives.
Ready to send a BRL payment? Open Altitude and go to Pay.
New to Altitude? Open an account. Need help? Email [email protected].