Pix on File Overview
Pix on File (Jornada Sem Redirecionamento, or "Journey Without Redirect" in English) is an advanced implementation of PIX that enables payments through Open Finance without requiring customer redirection to their bank app for each transaction. This integration leverages Open Finance's Payment Initiation specifications using FIDO2/WebAuthn authentication, allowing customers to pre-authorize payments through biometric or passkey authentication directly within the merchant's application.
Pix on File differs from the standard PIX Automático QR Code journey by eliminating the need for customers to scan QR codes or be redirected to their banking app. Instead, customers authenticate using FIDO2 credentials (biometrics or security keys) registered during a one-time enrollment process, providing a seamless in-app payment experience.
| Feature | Description |
|---|---|
| One-Tap Payments | Ideal for services with high customer returning rates, such as marketplaces, ride hailing, etc. |
| High-Security Transactions | Perfect for merchants requiring strong customer authentication. FIDO2/WebAuthn provides cryptographic proof of customer presence and consent. |
| Mobile-First Experiences | Optimized for mobile applications where biometric authentication (fingerprint, face recognition) provides a frictionless payment experience. |
| Risk Signals Collection | Device and behavioral data is collected during enrollment and payment to enhance fraud prevention. |
| Payment Authorization | Each payment requires authentication assertion, ensuring customer presence for every transaction. |
User Enrollment Flow
The enrollment process establishes the authorization between merchant and customer. Unlike the QR Code journey, Pix jsr requires the customer to complete FIDO2 credential registration after bank authorization.
- Merchant initiates enrollment with customer to elect a bank from authorized banks
- Customer elects the bank and authorize the enrollment
- Customer returns to the merchant app and completes FIDO2 credential registration
- Enrollment becomes active and ready for payments
Payment Flow
Once an active enrollment is in place, payment requests can be initiated. Each payment requires FIDO2 authentication to ensure customer presence and consent.
- Merchant initiates payment referencing the enrollment
- System returns a FIDO2 challenge
- Customer authenticates using their registered FIDO2 credentials
- Payment is authorized and funds are transferred
By following this basic integration guide, you will understand how you can create enrollments and accept Pix on File payments in your checkout using EBANX Direct API.