Your digital operation collects money fast: PIX settles in seconds, cards in D+1, crypto in minutes. But money leaves slow — it lands in a traditional bank account, and friction begins. Per-TED fees, per-PIX fees, payroll typed one row at a time in the bank’s web interface, reconciliation done in a spreadsheet between the gateway dashboard and the bank statement. BSPay Banking removes that layer: the money stays inside the same platform that processes the incoming payments, with a full business digital account to move, pay, receive and reconcile — no intermediate bank required.
BSPay Banking is the native business digital account of the BSPay platform — where money received via PIX, card, boleto, crypto or LATAM rails is immediately available for use. It ships every function of a professional digital bank (zero-fee PIX outbound, zero-fee TED, batch payroll, invoice emission, corporate debit card, sub-accounts, CDI-linked yield) integrated into the payments hub. No need to wire money to an external bank before you can spend it.
In other words: banking is not a separate product — it’s the financial layer that closes the loop. Whoever uses the BSPay hub to collect already has the account active, with the same KYC, the same dashboard, the same support.
Typical flow for a digital operation: customer pays via PIX, the gateway processes, money lands directly in your BSPay Banking account. From there, the money is yours to operate — no settlement wait, no transfer to an external bank, no outbound fee.
| Aspect | Traditional bank account | BSPay Banking |
|---|---|---|
| Gateway settlement | D+1 to D+30, depends on method | Instant — lands directly in the account |
| PIX outbound | R$0.01 to R$5 per transaction | Zero fee, unlimited volume |
| TED | R$6 to R$15 per transfer | Zero fee |
| Batch payroll | Manual UI or expensive corporate product | Native CSV/API, no setup |
| Reconciliation with gateway | Manual via spreadsheet or ERP | Native automatic in the dashboard |
| Multi-CNPJ onboarding | 15 to 45 days per account | Minutes after KYC |
| Corporate card | Bureau check, restrictive limit | Instant issue, flexible limit |
| Balance yield | Zero or requires manual investment | 100% CDI automatic, daily liquidity |
| ERP API | Partial, varies per bank | Complete (statement, balance, payments, reconciliation) |
BSPay Banking is the financial layer of the payments hub. Whoever uses the hub to collect via PIX, card, boleto, crypto or LATAM rails already has the account active by default — no separate onboarding, no duplicate KYC, no extra integration. Zero fee on PIX outbound and TED, no maintenance monthly. 24/7 operation. Multi-CNPJ with instant opening. Corporate debit card included. Over 30 thousand active businesses already run daily finance inside BSPay.
BSPay’s monetization model is the hub’s MDR on incoming payments — banking is free in every plan. See the full platform or talk to a specialist to map how much your operation saves migrating from a traditional bank to integrated banking.
A standalone digital bank is an endpoint — money needs to arrive there via transfer from another institution. BSPay Banking is both origin and destination in the same platform — what comes in via the payments gateway lands directly in the account, with no interbank settlement delay and no transfer fee. On top of that, banking is natively integrated with the receivables dashboard, providing automatic reconciliation that external banks cannot offer.
Yes. BSPay Banking exists only as an extension of the hub — it’s the account where money received through the hub lives. This simplifies the operation: one onboarding, one dashboard, one support channel, one integration for the entire financial stack.
No. Outbound PIX (including batch), TED and account maintenance are zero-fee in every plan. BSPay’s monetization is the hub MDR on incoming payments — banking does not charge per financial operation.
Yes. The account ships with a branch number, account number, CNPJ-titled ownership and active PIX keys. Any bank can send TED or PIX into it. It’s a regulated bank account operated via a BaaS partner certified by Bacen.
It does. The available balance is automatically invested in CDI at the percentage contracted in your plan (up to 100% CDI in enterprise plans) with daily liquidity — withdrawals anytime without penalty. No manual investment step needed.
Yes. Mastercard debit cards, physical and virtual, issued per staff member, with configurable limits, allowed/blocked merchant categories (for example: automatic blocking of personal categories, allow-list by registered supplier) and a central dashboard for finance to monitor spending in real time.
Through the REST API (balance, statement, payment, reconciliation) and export in OFX, CSV and JSON. Native integrations with Omie, Conta Azul, Nibo, SAP Business One and Totvs. Webhooks fire per event (inbound, outbound, scheduled, paid, failed) for automatic sync with your accounting system — no polling required.
It does. Corporate groups with multiple legal entities get isolated accounts per CNPJ, with a master dashboard showing the consolidated view and drill-down per CNPJ. Opening a new account after KYC of the new entity takes minutes, not weeks.
Whoever already has a BSPay hub account gets Banking active automatically, with no separate opening. New signups: after CNPJ KYC approval (typically 24 to 72 hours), the account is live and ready to receive and move money.
