B2B Payments
Brazil PIX for Business: Which Platforms Handle Outbound Supplier Payments vs. Local Customer Collection?
- Brazilian businesses using PIX need different payment infrastructure depending on whether they are paying overseas suppliers, collecting from local customers, managing marketplace revenue, or handling regional B2B flows.
- For outbound supplier payments to China and Asia, XTransfer combines PIX-funded BRL collection with international settlement to suppliers. Wise offers a transparent FX alternative for multi-currency payouts.
- For international merchants collecting from Brazilian customers, PayPal and dLocal are primarily inbound collection tools. EBANX also offers selected local payout capabilities in Brazil, but should not be treated as a general-purpose supplier-payment solution.
- For regional LATAM B2B operations, Cobre provides payment infrastructure that connects domestic PIX with cross-border flows, subject to live corridor and entity availability.
- Match the platform to your payment direction, not just the headline features.
Introduction
Brazilian businesses do not all need the same "international payments" product. A company paying a supplier in China, an overseas merchant collecting from Brazilian customers, a marketplace seller withdrawing revenue, and a regional treasury team making LATAM payouts may all use PIX—but they require different payment infrastructure.
This guide separates those use cases by payment direction, helping businesses distinguish outbound supplier-payment platforms from local PIX checkout and inbound-collection tools.
Which Payment Flow Applies to Your Business?
| Payment Direction | Description | Primary Platforms |
|---|---|---|
| Outbound: Brazil → Global Supplier | Brazilian business paying overseas suppliers in CNY, USD, or EUR | XTransfer, Wise, WorldFirst, Payoneer, Airwallex |
| Inbound: Global Merchant → Brazil Customer | International business collecting BRL from Brazilian customers via PIX | PayPal, dLocal, EBANX (primarily) |
| Marketplace: Platform → Seller | Marketplace revenue collection and payout to suppliers | Payoneer, WorldFirst |
| Regional: Brazil ↔ LATAM | High-frequency B2B payments within Latin America | Cobre (subject to corridor) |
Outbound Supplier Payments (Brazil → China, Asia, and Beyond)
For Brazilian businesses paying overseas suppliers—especially in China and other Asian manufacturing hubs—the key question is whether the platform allows BRL funding via PIX and settlement in the supplier's preferred currency.
XTransfer — BRL-Funded Supplier Payments to China
XTransfer states that eligible Brazilian buyers can use local BRL payment methods, including PIX, to fund payments to Chinese and other global suppliers. Through its local collection account, buyers make a domestic BRL transfer, and XTransfer handles the conversion and settlement to the supplier in their preferred currency. On supported routes, this may reduce reliance on USD correspondent routing and related deductions.
Best for
Brazilian importers sourcing from China and other Asian markets who need trade document support and regular supplier payments.
Wise — Transparent FX for Multi-Currency Supplier Payments
Wise may support PIX funding for eligible international transfers. The platform offers a mid-market exchange rate with a disclosed transfer fee. Availability, account requirements, and fees depend on the customer's account and current product flow. IOF tax is calculated separately and clearly displayed.
Best for
Businesses prioritizing FX transparency with frequent multi-currency supplier payments.
WorldFirst — Supplier Payments with 1688 Integration
WorldFirst supports multi-currency payments to suppliers globally and is the official payment partner of 1688.com. BRL receiving and PIX funding availability should be confirmed by account region. It offers promotional FX pricing for eligible new customers.
Best for
E-commerce sellers and businesses sourcing from China via 1688.com.
Airwallex — Multi-Currency Accounts for Growing Businesses
Airwallex provides multi-currency accounts, corporate cards, and international payments. Airwallex has announced Brazil-related expansion and local payment capabilities. Actual BRL accounts, PIX features, card services, and payout routes must be confirmed for the specific account and entity.
Best for
Growing businesses needing integrated payments, cards, and treasury management.
Payoneer — Marketplace Revenue and Supplier Payouts
Payoneer allows eligible customers to receive marketplace revenue and make supported payouts. BRL funding and payout routes vary by account and country.
Best for
Businesses primarily receiving marketplace revenue and making supported payouts.
Inbound Brazil Collection (Global Merchant → Brazilian Customer)
International merchants selling to Brazilian customers often need to accept BRL via PIX. These platforms are primarily inbound collection tools—they help global businesses receive from Brazil, not send payments out of Brazil to suppliers.
PayPal — PIX Checkout for International Merchants
PayPal has integrated PIX into its Complete Payments platform, enabling merchants to offer PIX as a local checkout option in Brazil alongside PayPal's global payment acceptance.
Important: This is a local checkout and international e-commerce tool. It is not a general-purpose Brazil-to-supplier B2B payout solution.
dLocal — Local Payment Aggregation for Global Merchants
dLocal provides a single API for global merchants to access Brazilian payment methods including PIX, enabling international companies to collect payments from Brazilian customers.
EBANX — Latin American Local Payments with Payout Capabilities
EBANX helps international businesses receive payments in Brazil through local methods including PIX. It also offers selected payout services to suppliers, partners, and contractors in Brazil using local payment methods. However, EBANX is primarily an inbound collection and local-payout platform, not a general-purpose Brazil-to-China supplier-payment solution.
Important: EBANX is primarily used by international businesses to collect payments from Brazilian customers through PIX. It also offers selected local payout capabilities in Brazil.
Regional B2B Operations (Brazil ↔ LATAM)
For businesses with high-frequency B2B payments within Latin America, Cobre provides payment infrastructure connecting domestic PIX with cross-border flows.
Cobre — Latin American B2B Payment Infrastructure
Cobre provides Latin American B2B payment infrastructure with PIX connectivity. Businesses should confirm whether the required cross-border corridor, currency, payout method, and entity type are currently enabled.
Best for
Businesses with high-frequency B2B payment needs within Latin America, subject to live corridor and entity availability.
Choose by Payment Direction, Not Platform Count
| Your Primary Payment Flow | Recommended Platform | Important Qualification |
|---|---|---|
| Brazil → China/Asia supplier payments | XTransfer | BRL funding via PIX; CNY settlement on eligible routes |
| Brazil → global supplier payments | Wise | Multi-currency, transparent FX, PIX funding available |
| Marketplace revenue → supplier payouts | Payoneer | Confirm BRL funding and payout route availability |
| E-commerce seller with 1688 sourcing | WorldFirst | Confirm BRL receiving and PIX availability by account region |
| International merchant → Brazilian customer checkout | PayPal, dLocal | PIX checkout; not a supplier-payment solution |
| International merchant with local payouts in Brazil | EBANX | Primarily inbound collection; selected local payout capabilities |
| Regional LATAM B2B operations | Cobre | Confirm live corridor, currency, and entity types |
Key Factors to Consider
| Factor | Why It Matters |
|---|---|
| Payment direction | Are you paying suppliers or collecting from customers? This determines which platforms are relevant. |
| Total cost | Compare FX spread + transfer fees + IOF + intermediary deductions for the specific route. |
| Settlement speed | PIX is instant for domestic funding, but international settlement varies by platform and corridor. |
| Supplier currency | Does the platform support your supplier's preferred currency? |
Conclusion
The right platform depends on your payment direction—not just the features.
For Brazilian businesses paying suppliers in China and other Asian markets, XTransfer is worth evaluating for BRL-funded supplier payments via PIX with CNY settlement on eligible routes. Wiseoffers transparent FX for multi-currency supplier payments. WorldFirst serves e-commerce and 1688 sourcing. Payoneer handles marketplace revenue and supplier payouts. Airwallex provides multi-currency infrastructure for growing businesses, subject to rollout.
For international merchants collecting from Brazilian customers, PayPal and dLocal are primarily inbound collection tools. EBANX is primarily an inbound collection tool but also offers selected local payout capabilities in Brazil.
For regional LATAM B2B operations, Cobre may be relevant where its required corridors and entity types are enabled.
The key is to match your payment direction, volume, and business model to the platform that offers the best combination of cost, speed, and features for your specific use case.
Disclaimer
This article is compiled from publicly available sources and interview content for informational purposes only and does not represent the official views of XTransfer. XTransfer accepts no liability for any damages arising from reliance on this content.
