Acessar minha contaAbrir uma conta
POST/api/v2/baas/pix/payments/payload

Por payload (QR)

Produto BaaS (titular). Requer Bearer JWT do login da conta e assinatura HMAC obrigatória. Scope: baas.pix-payments.write. Guia: documentação técnica.

Parâmetros

AcceptObrigatório
header
Tipo:string
X-SignatureObrigatório
header

Assinatura HMAC-SHA256 da requisição (hex).

Tipo:string
X-TimestampObrigatório
header

Timestamp Unix (segundos, UTC) usado na assinatura.

Tipo:string
X-NonceObrigatório
header

Nonce único por requisição (anti-replay).

Tipo:string

Autenticação e headers

Requer Bearer token do login da conta e assinatura HMAC obrigatórios. Scope: baas.pix-payments.write.

HeaderObrigatórioDescrição
AuthorizationSimBearer {{access_token}}
AcceptSimapplication/json
X-SignatureSimAssinatura HMAC
X-TimestampSimTimestamp da assinatura
X-NonceSimNonce único por requisição

Corpo

CampoObrigatório HTTPDescrição
payloadSimString EMV do QR Code (copia e cola)
idempotency_keySimUUID v4, máx. 36 caracteres
valueNão (fluxo: sim)Centavos. Obrigatório no fluxo completo; essencial em QR estático sem valor
valorMaximoCondicionalTeto em reais quando o QR permite alterar valor
appointment_dateCondicionalY-m-d, após hoje, se agendar
descriptionNãoMáx. 60 caracteres

Não envie codMunIbge: o backend deriva de customer/company.

Erros comuns

CódigoCorpoCausa
422payload[] + messageCampo ausente ou QR para própria conta
400Insufficient balance.Saldo insuficiente
400invalid_userConta em análise
4xxmessage / errorsFalha no decode do QR

Notas

curl --request POST \
  --url 'https://api-h.nuvende.com.br/api/v2/baas/pix/payments/payload' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header 'Authorization: Bearer {{access_token}}' \
  --header 'X-Timestamp: {{timestamp}}' \
  --header 'X-Nonce: {{nonce}}' \
  --header 'X-Signature: {{signature}}' \
  --data '{
  "payload": "00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio5204000053039865802BR5925Joao Recebedor Exemplo6009SAO PAULO62070503***6304ABCD",
  "idempotency_key": "550e8400-e29b-41d4-a716-446655440001",
  "value": 10050,
  "valorMaximo": 150.0,
  "description": "Pagamento QR"
}'

const axios = require("axios");

const data = {
  payload:
    "00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio5204000053039865802BR5925Joao Recebedor Exemplo6009SAO PAULO62070503***6304ABCD",
  idempotency_key: "550e8400-e29b-41d4-a716-446655440001",
  value: 10050,
  valorMaximo: 150.0,
  description: "Pagamento QR",
};

axios({
  method: "post",
  url: "https://api-h.nuvende.com.br/api/v2/baas/pix/payments/payload",
  headers: {
    "Content-Type": "application/json",
    Accept: "application/json",
    Authorization: "Bearer {{access_token}}",
    "X-Timestamp": "{{timestamp}}",
    "X-Nonce": "{{nonce}}",
    "X-Signature": "{{signature}}",
  },
  data,
})
  .then((response) => console.log(JSON.stringify(response.data)))
  .catch((error) => console.log(error.response?.data || error.message));

import json
import requests

url = "https://api-h.nuvende.com.br/api/v2/baas/pix/payments/payload"
payload = {
    "payload": "00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio5204000053039865802BR5925Joao Recebedor Exemplo6009SAO PAULO62070503***6304ABCD",
    "idempotency_key": "550e8400-e29b-41d4-a716-446655440001",
    "value": 10050,
    "valorMaximo": 150.0,
    "description": "Pagamento QR",
}
headers = {
    "Content-Type": "application/json",
    "Accept": "application/json",
    "Authorization": "Bearer {{access_token}}",
    "X-Timestamp": "{{timestamp}}",
    "X-Nonce": "{{nonce}}",
    "X-Signature": "{{signature}}",
}
response = requests.post(url, headers=headers, data=json.dumps(payload))
print(response.text)

<?php
$curl = curl_init();
$opts = [
  CURLOPT_URL => 'https://api-h.nuvende.com.br/api/v2/baas/pix/payments/payload',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => '{
  "payload": "00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio5204000053039865802BR5925Joao Recebedor Exemplo6009SAO PAULO62070503***6304ABCD",
  "idempotency_key": "550e8400-e29b-41d4-a716-446655440001",
  "value": 10050,
  "valorMaximo": 150.0,
  "description": "Pagamento QR"
}',
  CURLOPT_HTTPHEADER => [
    'Content-Type: application/json',
    'Accept: application/json',
    'Authorization: Bearer {{access_token}}',
    'X-Timestamp: {{timestamp}}',
    'X-Nonce: {{nonce}}',
    'X-Signature: {{signature}}',
  ],
];
curl_setopt_array($curl, $opts);
$response = curl_exec($curl);
curl_close($curl);
echo $response;

{
  "id": 1268,
  "receiver_account_id": 84,
  "payer_account_id": 33,
  "movement_date": "15/07/2026 14:30:00",
  "value": "100.50",
  "type": 23,
  "status": 1,
  "status_details": "CONFIRMADO",
  "transaction_type": "pix",
  "end_to_end_id": "E3829737420260715173040123456789",
  "qr_code_payload": "00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio5204000053039865802BR5925Joao Recebedor Exemplo6009SAO PAULO62070503***6304ABCD",
  "end_to_end_devolution_id": null,
  "internal_id_request": "550e8400-e29b-41d4-a716-446655440001",
  "jd_id": "JDPI-20260715143000-001",
  "description": "Pagamento QR",
  "payment_description": "Pagamento QR",
  "receiver_account": {
    "id": 84,
    "name": "Joao Recebedor Exemplo",
    "document": "52998224725",
    "bank": {
      "id": 1,
      "name": "Instituicao Exemplo",
      "compe_code": "260",
      "ispb_code": "38297374"
    },
    "key": "[email protected]",
    "key_type": 2,
    "agency": "0001",
    "account": "00001252",
    "type": 0,
    "is_local": false
  },
  "payer_account": {
    "id": 33,
    "name": "Maria Pagadora Exemplo",
    "document": "11144477735",
    "bank": {
      "id": 1,
      "name": "Instituicao Exemplo",
      "compe_code": "260",
      "ispb_code": "38297374"
    },
    "agency": "0001",
    "account": "00000337",
    "type": 0,
    "is_local": true
  },
  "is_favorite": false,
  "is_local": true,
  "is_receiver": false,
  "appointment_date": null,
  "error_description": null,
  "created_at": "2026-07-15 14:30:00",
  "rec_status": null
}

curl --request POST \
  --url 'https://api-h.nuvende.com.br/api/v2/baas/pix/payments/payload' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header 'Authorization: Bearer {{access_token}}' \
  --header 'X-Timestamp: {{timestamp}}' \
  --header 'X-Nonce: {{nonce}}' \
  --header 'X-Signature: {{signature}}' \
  --data '{"payload":"00020126580014BR.GOV.BCB.PIX0136exemplo-payload-ficticio","idempotency_key":"550e8400-e29b-41d4-a716-446655440002","valorMaximo":152.50,"description":"Pagamento via QR Code exemplo"}'

{
  "payload": [
    "The payload field is required."
  ],
  "message": "You cannot transfer to your own account."
}

{
  "message": "Insufficient balance."
}