How it works

The five stages every Crossramp Checkout payment goes through.

Every Crossramp Checkout payment moves through five stages. Each stage transition triggers a webhook to your configured URL.

Stage 1 — Quote

When a customer opens a checkout link, a quote is calculated immediately. The quote locks in:

• The BRL amount the customer will pay
• The crypto amount you will receive
• The applicable fees
• An exchange rate valid for 10 minutes

If the link has no pre-set amount, the customer enters the BRL or crypto amount first and the quote is generated from their input. The rate is locked at this moment — not when payment arrives.

Stage 2 — Identity collection (CPF/CNPJ)

Before a PIX code is generated, the customer must provide their Brazilian tax ID. Individuals provide a CPF; businesses provide a CNPJ. The document is validated for correct format before proceeding.

This step can be skipped if you pre-fill the document via API when creating the checkout session.

Stage 3 — Identity verification

The provided document is checked against a Brazilian identity database. This step:

• Confirms the document is valid and registered
• Creates or retrieves the customer profile in Noxpay
• Blocks irregular documents before a PIX charge is generated

Business documents (CNPJ) go through an additional validation flow. Documents that fail verification block the payment and the customer sees an error page.

If the payer has transacted more than R$10,000 in the current month, an enhanced identity verification step may be triggered, requiring a document photo and selfie.

Stage 4 — PIX payment

Once identity is verified, a PIX QR code is generated for the quoted BRL amount. It is valid until the session expiration time set when the quote was created.

Titularity check: When the PIX payment arrives, Noxpay verifies that the CPF of the PIX sender matches the document collected in Stage 2. If they differ — for example, someone pays from a third party’s account — the transaction is marked UNCOMPLIANT and the payment is held for review.

This check protects against money-laundering patterns where the payer and the verified identity are different people. Most Brazilian banks enforce this at the sending side already; this is a fallback for cases where that enforcement does not apply.

A PIX that times out results in an Expired status.

Stage 5 — Conversion and credit

Once PIX is confirmed and the titularity check passes, Noxpay converts BRL to the target cryptocurrency at the locked quote rate. The resulting crypto is credited to your available balance immediately. The session status moves to Success.

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No integration required

You can start accepting payments without writing any code. Static links — created from the dashboard — work as permanent payment pages or physical QR codes. Each customer visit generates a fresh session automatically.

Set Up Your Store Without API

How to create static links, set up a physical point of sale, and run multiple counters — no code required.

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Fees

Fee	Who pays	Description
Noxpay fee	Merchant (deducted from crypto received)	Platform fee, percentage-based or flat per your tier

The customer sees the full fee breakdown on the quote screen before confirming.

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Tracking transactions

All crossramp checkouts appear in Receive → Incoming Payments. Each row shows the NOX... transaction ID, status, timestamp, BRL amount paid, and crypto amount credited.

Completed checkouts also appear as credit entries in Account → Statement, with the NOX... ID linking to the full transaction detail.