Shopper pays with Pix
Pix QR or Pix copy-paste at your checkout. Confirmed in seconds, no international card required.
Brazil ⇄ China · Pix (BRL) → RMB (CNY)
Get paid in BRL
* 0.75% take rate is offered by subscription.
Get paid in BRL
Settle in CNY today
Beep lets Chinese merchants accept Pix across Latin America with up to zero take rate, 0.75% eFX spread, and same-day settlement. No hidden fees, no week-long waits.
- eFX spread
- 0.75%
- Take rate
- 0%*
- Settlement
- Same day
- Payout fee
- $0
* 0.75% take rate is offered by subscription.
One checkout, two currencies, zero waiting.
The loop in our mark is the product: BRL in on one side, RMB (CNY) out on the other, mirrored through Macao in real time.
Beep routes and converts
Our Rust routing core matches the BRL inflow against a pre-funded RMB pool at a fixed 0.75% spread, IOF itemised.
You receive RMB today
Payout to your Bank of China account the same business day, with webhooks and a reconciled multi-currency ledger.
What you pay today versus Beep.
Total accumulated cost includes take rate, FX markup and fixed fees. Brazilian IOF applies equally to every provider.
| Provider | Total cost | Settlement | Fixed payout fee |
|---|---|---|---|
| Card acquirers | ~6.0% to 9.0% | D+3 to D+7 | $0.30 |
| Cross-border PSPs | ~4.5% to 6.5% | D+1 to D+3 | $0.20 |
| Wise + gateway | ~2.0% to 4.5% | 1 to 3 days | Variable |
| Beep | 1.50% to 2.75% (0.75% on subscription) | Seconds | $0.00 |
Pricing that drops as you grow.
Every tier includes the same 0.75% eFX spread, $0 payout fee and same-day settlement. Rates are all-in.
Tier 1
Up to $1,500 / mo
2.75%
2.00% base + 0.75% eFX
Independent dropshippers testing LATAM.
Tier 2
$1,500 to $7,500 / mo
2.25%
1.50% base + 0.75% eFX
Fast-growing stores and regional platforms.
Tier 3
PopularOver $7,500 / mo
1.50%
0.75% base + 0.75% eFX
High-ticket cross-border brands.
Subscription
Over $15,000 / mo
0.75%
0% base + 0.75% eFX · ¥1,500 / mo or ¥14,400 / yr
Your brand on our rails. Same-day settlement.
Merchant at $30,000 / mo, traditional gateway
$1,050 / mo
Same merchant on Beep subscription (annual)
$395 / mo
Saved every year
$7,860
Questions
How fast do I receive funds?
Pix confirms in seconds. Beep pays your RMB (CNY) account the same business day from a pre-funded liquidity pool custodied at Bank of China (Macau), so you never wait on correspondent banking.
What is the 0.75% eFX spread?
A flat, pass-through spread on the BRL to RMB conversion. It is identical on every tier and itemised on every settlement statement, together with the statutory Brazilian IOF (0.38%).
Why Pix instead of cards?
About 60 million Brazilian adults have no credit card, while roughly 184 million use Pix. Pix checkout removes the card wall behind Brazil’s 82% cart abandonment rate.
Do you support instalments?
Yes, soon we will enable Pix Installments (Pix Parcelado) to be offered and lets shoppers split a purchase into instalments while you are still full settled upfront.
Is Beep regulated?
Yes. Phase 1 operates under a licensed BaaS partner in Brazil. Beep is filing its own Central Bank of Brazil Payment Institution application and follows LGPD in Brazil and PIPL in China.
Open your Beep account
Onboarding takes one business day. We will send your API keys and instructions.