Pix in. ACH out. API optional.
BackChannel connects Brazil's instant payment rail (Pix) to the US ACH network through a single BRL→USD FX conversion. No SWIFT intermediary. No T+2 settlement lag. A REST API with HMAC-signed webhooks is available for finance teams who want payroll triggers integrated into their own ERP or treasury tooling.
Pix: instant BRL funding
Pix is Brazil's instant payment system operated by Banco Central do Brasil. Transactions settle 24/7, including weekends and holidays, within seconds. For corporate payroll, Pix is the most efficient inbound funding method available.
BackChannel provides a CNPJ-registered chave Pix. Your corporate BRL account sends Pix to this key. Settlement is confirmed on BackChannel's side in seconds, enabling same-day FX conversion and ACH payout.
Pix payment details provided at onboarding
bank: BackChannel Financial Ltda
type: CNPJ key
ACH: US USD delivery
After FX conversion, BackChannel routes USD via ACH to each contractor's US bank. ACH credits are compatible with any US bank using a standard ABA routing number.
Zelle-compatible banks receive same-day credits via the underlying ACH infrastructure. No separate Zelle setup required.
REST API overview
POST a payroll run from your finance tooling. BackChannel returns a Pix key, FX rate, IOF amount, and settlement cutoff. HMAC-SHA256 signed requests. Structured JSON throughout.
Initiate a payroll run
POST /v1/payroll/initiate
Authorization: HMAC-SHA256 <signature>
{
"cnpj": "12.345.678/0001-90",
"payroll_date": "2026-05-29",
"contractors": [
{
"id": "ctr_001",
"name": "Jane Smith",
"routing_aba": "021000021",
"account": "****4892",
"usd_amount": 2500.00
}
]
}Response
{
"payroll_id": "pr_9xKm2j",
"status": "initiated",
"brl_total": 12650.00,
"usd_total": 2500.00,
"fx_rate": 5.0600,
"iof_amount": 48.07,
"cutoff": "2026-05-29T14:00:00Z",
"pix_key": "12.345.678/0001-90"
}Full API documentation available on request. Contact [email protected] with your company's CNPJ to initiate access.
Payment event webhooks
Receive real-time notifications for every stage of the payroll corridor. Each webhook payload is HMAC-SHA256 signed.
-
payment.initiated
Payroll run confirmed. Pix key ready for BRL transfer. Payload includes
payroll_id, BRL total, contractor count. - payment.converted FX conversion executed. USD amount locked. Payload includes exchange rate, IOF amount, per-contractor USD breakdown.
- payment.settled ACH credits confirmed for all contractors. Settlement timestamp per contractor included. Audit-ready record.
-
payment.failed
Payment failed — includes failure reason (
pix_timeout,ach_routing_invalid,fx_unavailable). Retry instructions included.
Sample webhook payload
{
"event": "payment.settled",
"payroll_id": "pr_9xKm2j",
"timestamp": "2026-05-29T14:00:42Z",
"contractors": [
{
"id": "ctr_001",
"name": "Jane Smith",
"usd_settled": 2500.00,
"settled_at": "2026-05-29T13:58:11Z"
}
],
"signature": "sha256=abc123..."
}