BRL bank virtual account endorsement
Request brl_bank_v1 to unlock BRL PIX pay-ins, virtual accounts, and payouts, with requirements and payment rules by applicant residency.
Request the brl_bank_v1 endorsement to unlock BRL pay-ins, virtual accounts, and payouts on the PIX rail.
The endorsement is required for all three: no BRL channel is available until it is approved.
Prerequisites
- Complete the account’s standard KYC/KYB flow and confirm that
kyc.statusispassedbefore requesting the endorsement. - Store the Due account ID and use it in the
Due-Account-Idheader for account-scoped requests.
1. Request the endorsement
POST /v1/kyc/endorsements/brl_bank_v1Store the response. Its informationRequests[] and their submissions are not announced by webhook when they are created.
If information is missing, the response includes information requests and their submissions (forms listing the information you must collect). If nothing is missing, the endorsement can start at processing or approved without a new collection step.
2. Provide the required information
Use the returned submissions’ requirements to collect and submit the missing information.
Individual applicants
| Requirement | Type | Notes |
|---|---|---|
cpf | string | Required only when residenceCountry is BR. |
phone | E.164 | Provide the phone number in international E.164 format. |
address | object | Include country (ISO 3166-1 alpha-2), state (ISO 3166-2), town, street, and postCode. |
| Identity document | one of | Provide a passport, national ID card, or driving licence. |
Business applicants
| Requirement | Type | Notes |
|---|---|---|
address | object | Include country (ISO 3166-1 alpha-2), state (ISO 3166-2), town, street, and postCode. |
| Questionnaire | kybQuestionnaireBrV1 | Provide estimated annual revenue in USD and number of employees. |
Beneficial owners complete the same requirements as individual applicants, including the conditional cpf requirement.
Complete each open submission through the regular individual KYC or business KYB submission flow, or use the Due hosted submission flow.
3. Track the endorsement
Listen for endorsement.status_changed and confirm that the endorsement code is brl_bank_v1 and its status is approved before using BRL channels.
Handle subsequent information requests and resubmissions through information_request.updated. If an information request is rejected, the endorsement stays requested and BRL channels remain unavailable. For processing_error, contact Due with the account ID and endorsement code.
See Onboarding & compliance lifecycle for all statuses and how to handle them.
Virtual accounts, pay-ins and payouts
How BRL behaves depends on where the applicant is resident.
| BR residents | Non-BR residents | |
|---|---|---|
| Virtual account details | In the user's own name | In Due's name |
| Pay-ins | First party only | First and third party |
| Payouts | First party only | First and third party |
This applies to individual and business accounts alike.
First party means the sender of a pay-in, or the beneficiary of a payout, must be the account holder.
Limits
The limit is 1,200,000 BRL per transaction for pay-ins, virtual accounts, and payouts.
Updated 17 minutes ago