Choose PIX key or bank transfer details
Payout setup must match how the business receives funds legally and how finance validates the account in Finance. The account holder should align with individual or company registration.
Choose the payout method before the first withdrawal attempt so finance does not discover validation problems under launch pressure.
Options
| Method | Use it when |
|---|---|
| PIX key | Payouts should go to a PIX key tied to the correct holder |
| Bank transfer details | Full bank account details are required for the payout setup |
The right choice depends on business configuration, finance validation rules, and which account the legal entity actually uses to receive funds.
What payout setup affects
| Area | Impact |
|---|---|
| Withdrawals | Default account is used for payout requests |
| Bank validation | Holder mismatch causes rejection |
| Finance onboarding | Incomplete payout setup blocks early withdrawals |
| Blocked withdrawals | Wrong or incomplete accounts stop payout requests |
| Team workflow | Finance users need to know which account is default |
| Multi-business accounts | Each workspace may have its own payout account |
Setup workflow
- Confirm business registration type and legal holder.
[Screenshot: Business registration — individual or company type and legal holder visible.]
- Open finance or bank account settings in the correct workspace.
[Screenshot: Finance bank accounts page — add account action in correct workspace.]
- Choose the payout method supported for the business.
[Screenshot: Payout method selector — PIX key or bank transfer chosen.]
- Enter PIX key or bank account details accurately.
[Screenshot: Payout details form — PIX key or bank fields completed.]
- Compare holder name and document with business registration.
[Screenshot: Holder fields — name and document match registration records.]
- Set the default payout account when prompted.
[Screenshot: Default account toggle — new account set as default.]
- Save and wait for validation if required.
[Screenshot: Account saved — validation pending or approved status shown.]
- Confirm finance users with the right permissions can view the setup.
[Screenshot: Team permissions — finance users can view bank account settings.]
- Request a withdrawal only when available balance and validation allow it.
[Screenshot: Withdrawal enabled — available balance and validated account ready.]
PIX vs bank transfer decision checklist
| Question | If yes |
|---|---|
| Does finance prefer receiving payouts through PIX? | Consider PIX key setup |
| Does the legal entity use a business account with full bank details required? | Use bank transfer details |
| Did a previous payout account get rejected? | Review rejected bank account troubleshooting before retrying |
| Are there multiple businesses in one login? | Configure each workspace separately |
| Is the holder different from the registered entity? | Stop and fix registration or account choice before proceeding |
What to verify before the first withdrawal
| Check | Why it matters |
|---|---|
| Account holder matches registered business or individual | Main rejection cause |
| Default account is correct | Prevents payout to the wrong destination |
| Bank account validation completed | Avoids blocked withdrawals |
| Available balance is understood | Pending balance is not withdrawable. See settlement timelines. |
| Finance team knows who can request payout | See finance permissions |
Best practices
- Set payout details during onboarding, not after the first sales week.
- Use one clearly named default account per business workspace.
- Fix rejected accounts before repeated withdrawal attempts.
- Document which legal entity owns each payout account in multi-brand operations.
- Review payout setup after assisted migration or entity changes.
Common mistakes
- Entering a personal PIX key for a company-registered business.
- Saving bank details without setting the default account.
- Typing an invalid or outdated PIX key.
- Configuring payout details in the wrong workspace.
- Requesting withdrawal before understanding fees and payout delay.
FAQ
Can I change payout details after setup?
Yes, but validation may delay the next withdrawal. Update details before requesting payout again.
What if the bank account is rejected?
Does PIX key choice affect buyer checkout PIX?
No. This article is about seller payout setup. Buyer payment methods are separate.