Documentation Index
Fetch the complete documentation index at: https://docs.noxpay.io/llms.txt
Use this file to discover all available pages before exploring further.
Getting started
Do I need to be in Brazil to use Noxpay?
No. Noxpay is designed precisely for businesses that are not in Brazil but want to receive Brazilian payments. You can open an account, receive PIX payments from Brazilian clients, and manage your money entirely from outside the country.Do I need a Brazilian company to open an account?
No. International businesses can apply. However, you do need to be a registered business — Noxpay does not offer individual/personal accounts. You will go through a verification process that reviews your business and its owners.How long does it take to get set up?
Once you submit your application with complete documentation, account approval typically takes 3 to 5 business days. You can read the full list of what is required in the KYC & Anti-Fraud section.Why can’t I just use the PIX QR code directly, without going through the full checkout or ramp flow?
The checkout is designed as one cohesive flow for regulatory and user-experience reasons. Noxpay does not expose a standalone PIX screen or a standalone quote screen as isolated components. All steps — identification, KYC when needed, payment, and settlement — are orchestrated inside the same flow to prevent broken journeys and ensure compliance.Currencies and crypto
What is a stablecoin? Is it safe?
A stablecoin is a type of cryptocurrency that is designed to always be worth exactly 1 US Dollar. Unlike Bitcoin, it does not go up and down in value — 1 USDT is always 1. USDC and USDT are the two most widely used stablecoins in the world, with billions of dollars in circulation. They are used daily by banks, fintechs, and major institutions for cross-border settlements.What is the difference between USDC and USDT?
Both are stablecoins worth 1 US Dollar. They are issued by different companies and run on slightly different infrastructure, but for most practical purposes they behave identically on Noxpay. You can hold both and convert between them freely.Why hold crypto instead of keeping money in a bank account?
A traditional bank account holds your money in the local currency (like Reais), which means your funds are tied to that country’s financial system, banking hours, and currency value. A Borderless Account holds your money in dollar-pegged stablecoins, which means it holds its value in dollar terms, can be sent anywhere in the world at any time, and is not subject to Brazilian exchange controls.Can I hold Bitcoin (BTC)?
Yes. In addition to USDC and USDT, you can hold BTC in your Borderless Account. Unlike stablecoins, Bitcoin’s value fluctuates with the market — you might gain or lose dollar value on your BTC holdings depending on price movements.Receiving payments
How does a Brazilian client pay me?
You generate a Checkout link in the dashboard and share it with your client. They open it, see a standard PIX QR code, and pay using their banking app as they would for any other PIX payment. They do not need to understand crypto or have any special setup.My client paid — why hasn’t my balance updated yet?
PIX transfers are usually detected within 1 to 2 minutes, and the full conversion and credit typically completes within 5 minutes. If it has been more than 10 minutes, check the Checkout session status in the dashboard. If the session shows “completed” but your balance did not update, contact support.Does my client need a Noxpay account?
No. Your client just needs a bank account with PIX enabled — which is virtually every bank account in Brazil. They pay exactly as they would any other PIX bill.What exchange rate do my clients get?
Your clients pay in Reais and never see an exchange rate — they just see the BRL amount. The conversion from BRL to crypto happens on Noxpay’s side after payment. The rate applied is the live market rate at the time of payment, with a spread.Sending money out
Can I send money to my regular bank account?
Yes. You can withdraw funds to a bank account by adding it to your whitelist and initiating a withdrawal. Bank withdrawals are sent as PIX (same-day) or wire transfer (1–2 business days) depending on your destination.Can I send crypto to an external wallet?
Yes. Add your wallet address to your whitelist and initiate a crypto withdrawal. Supported networks include Ethereum, Polygon, Tron, and BSC.Why do I need to whitelist destinations first?
The whitelist is a security control. It ensures that even if someone gained access to your account, they could not send money to an unknown destination. You pre-approve the places your money can go, and nothing else is allowed.Fees and rates
How does Noxpay charge fees?
Fees are agreed during your onboarding and detailed in your commercial agreement. For exchanges and ramp transactions, the fee is embedded in the rate shown — what you see is what you get, with no additional charges.Are there any fees for just holding a balance?
No. There are no custody or holding fees for maintaining a balance in your Borderless Account.Problems and support
Something is wrong with a transaction. What do I do?
Contact Noxpay support with the transaction reference number. You can find the reference in the dashboard by clicking on the transaction. Support can look up the full transaction history and help resolve any issue.My checkout link expired. Can I reuse it?
No. Expired links cannot be reactivated. Simply generate a new one from the dashboard — it takes a few seconds.A withdrawal failed. Did I lose the money?
No. Failed withdrawals always return the funds to your available balance. Nothing is lost. Check the failure reason in the transaction detail and, if the destination was correct, try again.Fiscal, tax & regulatory (Brazil)
Are transactions reported to Receita Federal?
Yes. All crypto-related operations are reported to Receita Federal by Noxpay under IN 1888/2019.Under whose name is the transaction reported?
Under the client’s CPF or CNPJ — not the merchant’s. The reported party is always the person who:- Pays via PIX (onramp flows), or
- Receives a PIX payout (offramp flows), or
- Sends or receives crypto in instant flows
What is the fiscal structure of a Crossramp Checkout or ramp transaction?
The model is:- Client pays Noxpay via PIX
- Noxpay credits a BRL balance to the client
- Noxpay converts that balance into crypto for the client
- Crypto is transferred from the client’s account to the merchant
Is there IOF on Noxpay operations?
No. Crypto conversion flows processed inside Noxpay do not currently incur IOF.Are there taxes on crypto during the transaction?
No. Crypto tax applies only when there is a capital gain. Because the customer buys crypto at price Y and pays at price Y, no gain exists and no tax event is triggered.How should merchants issue their Nota Fiscal?
Always use the BRL value of the transaction. Crypto is treated as the payment method only, not the taxable base.Does Noxpay issue a Nota Fiscal for its services?
Yes.- If the client pays Noxpay fees (possible configuration in ramps) — the NF is issued to the client.
- If the merchant pays — the NF goes to the merchant. This is the default for all accounts.