Gateway PIX
Enterprise-Grade

Infraestrutura completa para processar milhões de transações PIX com conformidade total ao Banco Central

System in Production
1.7K+
TPS Validated
<10ms
P95 Latency
99.99%
SLA Uptime
100%
BCB Compliant

System Architecture

Distributed infrastructure with multi-provider redundancy

🏪
Merchant UI
🖥️
Console Admin
🏦
Internet Banking
↓
⚡
Gateway V2 API
↓
📒
Ledger Service
💳
Account Service
🔄
Transaction Svc
⚙️
Worker Service
↓
🔗
DICTRA
→
🌐
RSFN
→
🇧🇷
BACEN / SPI

Validated Performance

Real production metrics - architecture ready for scale

1.7K+
TPS Validated
10ms
P95 Latency
0.31%
Error Rate
153M
Txns/Day Capacity
25M
Txns/Day Target
16.3%
Utilization
6x
Headroom
<5s
Failover Time

DICTRA Integration

PIX Booth via RSFN with RTM and Telmex Primesys connectivity

Integration Status

✓
mTLS Configured
✓
Certificates Generated
✓
API Connected
✓
DICT/SPI Operational
→
BCB Homologation

Capabilities

  • PIX In (Receiving)
  • PIX Out (Payments)
  • DICT Lookup (Key Lookup)
  • Dynamic QR Code
  • Real-Time Webhooks
  • Automatic Reconciliation
POST /api/v1/pix/payments
{
  "amount": 1500.00,
  "pixKey": "+5511999998888",
  "description": "PIX Payment"
}

BCB Compliance

100% compliant with Banco Central do Brasil regulations

✓
CCS (Customer Registry) - Resolution 179/2022
✓
COSIF (Chart of Accounts) - Implemented
✓
5-Year Data Retention (89 TB planned)
✓
ACCS001/002/003/005/006/009 (BCB Files)
✓
UTF-16BE Encoding (BCB standard)
✓
XSD Validation (BCB schemas v4.11)
✓
Complete Audit Trail (BigQuery 5 years)
✓
Multi-tenant (multiple institutions)
12,830
Lines of CCS Code
94%
Test Coverage
8
Compliance Tables
<10s
Batch Generation

Cloud Infrastructure

GCP southamerica-east1 (Sao Paulo) - Minimum latency for Brazil

⚡
Gateway V2
● LIVE
📒
Ledger Service
● LIVE
💳
Account Service
● LIVE
🔄
Transaction Svc
● LIVE
⚙️
Worker Service
● LIVE
🔗
DICTRA Provider
● LIVE
🏦
Internet Banking
● LIVE
📊
CCS Worker
● READY
PostgreSQL HA
8 vCPU, 32GB RAM, SSD, Point-in-time Recovery
Redis Memorystore
Standard HA, 10GB, Rate limiting & Cache
NATS JetStream
3-node cluster, Event sourcing, Durability

Cost Analysis

25 million transactions/day + 5-year BCB retention

R$ 57K
Monthly Cost

Complete infrastructure

Compute (Cloud Run) R$ 19K
Databases R$ 18K
Storage (5 years) R$ 8K
Network + Security R$ 6K
Contingency (15%) R$ 6K
R$ 0.00008
Cost per Transaction
89 TB
5-Year Storage
R$ 3.4M
5-Year Total
68%
Cheaper than Competitor A

Future Scalability

Architecture ready for exponential growth

Current Capacity

1.7K+
TPS Validated
  • Stable production
  • Cloud-native (GCP) or On-premises
  • Auto-scaling enabled

Scale Roadmap

10K+
TPS Target (Phase 2)
  • GKE infrastructure ready
  • Auto-scaling configured
  • On-premises option available
⚡
Strong Serializable
Financial consistency guaranteed via Viewstamped Replication
📊
Double-Entry Native
Built-in double-entry bookkeeping
🔒
Immutable Ledger
Immutable transactions for auditing

Integration Timeline

From contract signing to production in 30 days

1
Week 1
Environment setup
mTLS Certificates
2
Week 2
API Integration
Webhooks
3
Week 3
E2E Testing
BCB Homologation
✓
Week 4
Go-Live!
24/7 Monitoring
📚
Complete Documentation
200K+ words of docs, guides, runbooks
🧪
Sandbox Environment
DICTRA simulator for testing without BACEN
🎯
Dedicated Support
Technical team during integration

Why PixConnect?

🚀
High Performance
1.7K+ TPS validated, architecture ready for 10K+. Cloud or on-premises.
💰
68% Cheaper
R$ 0.00008/txn vs R$ 0.00024 from Competitor A.
✅
100% Compliant
CCS, COSIF, 5-year retention, ACCS files - all ready.
🔄
Flexible Connection
PSTI or PIX Booth as per classification. RSFN via RTM/Primesys.
🔐
A-Grade Security
mTLS, HMAC-SHA256, rate limiting, complete audit trail.
🇧🇷
Built for Brazil
GCP Sao Paulo, native BCB compliance, local support.

Ready for BCB homologation today

Next Steps

1
Pilot contract signing
2
Environment setup + mTLS certificates
3
API integration + sandbox testing
4
Joint BCB homologation

With your partnership, we can validate our system with Banco Central and scale to millions of transactions

📧 contact@pixconnect.com.br

🌐 pixconnect.com.br

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