How to Pay Contractors
in Brazil
Pay Brazil-based contractors via PIX, TED, DOC. Average settlement: < 10 seconds.
Brazil Payment Overview
Brazilian Real · BRL
How You Pay in Brazil
You fund in USD, stablecoin (USDC/USDT), or BTC. Your contractor in Brazil chooses how they receive it. Bitwage handles the conversion and routing.
Compliance screened
Optimal rail selected
Payment Rails Available in Brazil
Choose the right rail for each contractor. Click for full setup instructions.
PIX
Banco Central do Brasil's instant payment system — available 24/7, 365 days a year.
Fees: 0–0.5%
TED
Transferência Eletrônica DisponÃvel — same-day interbank transfer during banking hours.
Fees: 0.5–1%
DOC
Documento de Ordem de Crédito — next-day batch transfer for amounts up to BRL 4,999.99.
Fees: 0.5–1%
How Bitwage Works in Brazil
Bitwage connects your USD balance to Brazil's local payment infrastructure. You fund once, we route to each contractor via their preferred rail.
Fund Your Balance
Deposit USD into your Bitwage Balance. No need to pre-convert to BRL.
Add Contractors
Enter each contractor's payment details — CLABE, IBAN, wallet address, or local account number. Or upload a CSV.
Execute & Settle
Bitwage locks the FX rate, converts, and routes via PIX. You get a settlement confirmation for every payment.
Compliance Notes
Brazil requires foreign payments to be declared to Receita Federal. Contractors receiving foreign income must use a CPF for tax registration. Bitwage performs OFAC screening and collects W-8BEN for US reporting purposes.
FX Considerations
The BRL is managed by Banco Central do Brasil. Bitwage locks the USD/BRL rate at execution time, giving both parties certainty before funds move. BRL can be volatile around Brazilian political events.
Key Terms
Paying Contractors in Brazil FAQ
Common questions about BRL payments, local rails, compliance, and FX.
PIX settles in under 10 seconds, 24/7/365. It is the fastest rail available in Brazil. Learn more about how pix payment works and why it has largely replaced TED and DOC for day-to-day transfers.
For PIX, contractors provide their PIX key — which can be a CPF, phone number, email, or random alphanumeric key. For TED/DOC, they provide their bank account number (conta), branch (agência), and CPF. See contractor payments for the full onboarding flow.
Yes. masspay supports mixed-rail batch payment — you can include PIX, TED, and DOC payees in the same CSV upload. All USD/BRL rates are locked at execution.
Bitwage applies a fx rate lock at the moment you execute the payment run. The exact BRL amount shown in your preview is what the contractor receives — no exposure to intraday BRL movement.
Wise charges per-transfer fees that scale with volume. Bitwage's flat-rate pricing becomes significantly cheaper above 10 contractors. See our wise for a cost comparison at different contractor volumes.
Ready to Pay Contractors in Brazil?
Fund your Balance once. Pay via PIX in < 10 seconds.