# Saq Processamento (Pix)

- [Saq](/docs/pix-processamento): API REST de alta performance para operações Pix em produção. Cobre cobranças, saques, transferências internas e callbacks, com processamento em tempo real, 24/7.
- [Autenticação](/docs/pix-processamento/authentication): Toda chamada à Saq usa Bearer token. Esta página mostra como enviar, onde guardar com segurança e o que fazer quando aparecer um 401 ou 403. Token é como senha, trata como tal.
- [Authentication](/docs/pix-processamento/authentication.en): Every call to Saq uses a Bearer token. This page shows how to send it, where to store it securely, and what to do when you see a 401 or 403. A token is like a password, treat it as such.
- [身份认证](/docs/pix-processamento/authentication.zh): 每次调用 Saq 都使用 Bearer token。本页介绍如何发送、如何安全存储,以及遇到 401 或 403 时该怎么处理。Token 等同于密码,请妥善对待。
- [Boas práticas](/docs/pix-processamento/best-practices): Padrões testados em produção que separam uma integração que dura uma semana de uma que aguenta produção. Idempotência, multi-tenant, callbacks, paginação, dinheiro, segurança, tratamento de erros e checklist final.
- [Lidando com callbacks](/docs/pix-processamento/best-practices/callbacks): Responda em menos de 5 segundos, enfileire o processamento pesado, deduplique por id + status e teste localmente com ngrok. O retry da Saq é robusto, mas só funciona se o seu handler se comportar bem.
- [Handling callbacks](/docs/pix-processamento/best-practices/callbacks.en): Respond in under 5 seconds, queue heavy processing, deduplicate by id + status, and test locally with ngrok. Saq's retry is robust, but only works if your handler behaves well.
- [处理回调](/docs/pix-processamento/best-practices/callbacks.zh): 在 5 秒内响应，将重处理任务入队，按 id + status 去重，并使用 ngrok 进行本地测试。Saq 的重试机制非常稳健，但只有当您的处理器表现良好时才会生效。
- [Checklist de produção](/docs/pix-processamento/best-practices/checklist): Lista verificável dos itens que sua integração precisa antes de receber tráfego real. Cobre idempotência, callbacks, dinheiro, segurança, conciliação e observabilidade.
- [Production checklist](/docs/pix-processamento/best-practices/checklist.en): Verifiable list of items your integration needs before receiving real traffic. Covers idempotency, callbacks, money, security, reconciliation and observability.
- [生产环境检查清单](/docs/pix-processamento/best-practices/checklist.zh): 集成上线接收真实流量前必须验证的项目清单。涵盖幂等性、回调、资金、安全、对账与可观测性。
- [Consulta DICT](/docs/pix-processamento/best-practices/dict): O DICT é o banco central do Bacen que guarda todas as chaves Pix registradas no Brasil. Consultar antes de pagar valida que a chave existe, mostra o titular para confirmação e reduz pagamentos para destinatários errados.
- [DICT Lookup](/docs/pix-processamento/best-practices/dict.en): DICT is the Bacen central registry that holds every Pix key registered in Brazil. Looking up before paying validates that the key exists, shows the account holder for confirmation, and reduces payments to wrong recipients.
- [DICT 查询](/docs/pix-processamento/best-practices/dict.zh): DICT 是 Bacen 的中央数据库，保存巴西所有已注册的 Pix 密钥。支付前查询可验证密钥是否存在、显示持有人信息以供确认，并减少向错误收款人付款的情况。
- [Tratamento de erros](/docs/pix-processamento/best-practices/errors): 4xx é erro seu (não retentar), 5xx é da Saq (retry com backoff), 429 é rate limit (aguardar) e timeout exige cuidado especial porque a operação pode ter sido aplicada. Esta página tem helper de retry e estratégia de logging.
- [Error handling](/docs/pix-processamento/best-practices/errors.en): 4xx is your error (do not retry), 5xx is Saq's (retry with backoff), 429 is rate limit (wait) and timeout requires special care because the operation may have been applied. This page has a retry helper and logging strategy.
- [错误处理](/docs/pix-processamento/best-practices/errors.zh): 4xx 是你的错误（不要重试），5xx 是 Saq 的错误（带退避重试），429 是 rate limit（等待），timeout 需要特别注意因为操作可能已经被应用。本页面包含 retry helper 和日志记录策略。
- [Idempotência](/docs/pix-processamento/best-practices/idempotency): clientReference é a sua chave de idempotência e callbacks chegam mais de uma vez. Como combinar os dois para que retries não viram cobranças duplicadas nem baixas em dobro.
- [Idempotency](/docs/pix-processamento/best-practices/idempotency.en): clientReference is your idempotency key and callbacks arrive more than once. How to combine the two so retries don't turn into duplicate charges or double settlements.
- [幂等性](/docs/pix-processamento/best-practices/idempotency.zh): clientReference 是您的幂等键,callback 会多次到达。如何将两者结合,使重试不会变成重复扣款或重复入账。
- [Best practices](/docs/pix-processamento/best-practices/index.en): Production-tested patterns that separate an integration that lasts a week from one that holds up in production. Idempotency, multi-tenant, callbacks, pagination, money, security, error handling, and final checklist.
- [最佳实践](/docs/pix-processamento/best-practices/index.zh): 经过生产环境验证的模式，将仅能运行一周的集成与可承受生产负载的集成区分开来。幂等性、多租户、callbacks、分页、金额、安全性、错误处理及最终检查清单。
- [Dinheiro e precisão](/docs/pix-processamento/best-practices/money): A Saq Pix API usa reais com casas decimais, não centavos. Como armazenar internamente sem perder precisão, converter na borda e respeitar os limites mínimos de cada operação.
- [Money and precision](/docs/pix-processamento/best-practices/money.en): The Saq Pix API uses reais with decimal places, not cents. How to store internally without losing precision, convert at the edge, and respect the minimum limits of each operation.
- [资金与精度](/docs/pix-processamento/best-practices/money.zh): Saq Pix API 使用带小数位的雷亚尔，而非分。如何在内部存储时不损失精度、在边界处转换，并遵守各操作的最低限额。
- [Multi-tenant com virtualAccount](/docs/pix-processamento/best-practices/multi-tenant): Uma só conta Saq pode atender N tenants (lojas, filiais, marketplaces) usando virtualAccount. Volta em todo callback, permite filtrar listagens e dispensa criar contas filhas.
- [Multi-tenant with virtualAccount](/docs/pix-processamento/best-practices/multi-tenant.en): A single Saq account can serve N tenants (stores, branches, marketplaces) using virtualAccount. Returned in every callback, allows filtering listings, and removes the need to create child accounts.
- [使用 virtualAccount 实现多租户](/docs/pix-processamento/best-practices/multi-tenant.zh): 一个 Saq 账户可通过 virtualAccount 服务 N 个租户（门店、分支、市场平台）。每个 callback 都会返回该字段，支持列表过滤，无需创建子账户。
- [Paginação](/docs/pix-processamento/best-practices/pagination): Endpoints de listagem (transações, callbacks, infrações) usam paginação clássica por page + limit com flag hasNextPage. Para janelas grandes prefira o relatório assíncrono em CSV.
- [Pagination](/docs/pix-processamento/best-practices/pagination.en): Listing endpoints (transactions, callbacks, infractions) use classic page + limit pagination with a hasNextPage flag. For large windows prefer the asynchronous CSV report.
- [分页](/docs/pix-processamento/best-practices/pagination.zh): 列表端点（交易、callbacks、违规处理）采用经典的 page + limit 分页方式，并带有 hasNextPage 标志。对于大数据量窗口，建议使用 CSV 异步报告。
- [Segurança](/docs/pix-processamento/best-practices/security): Token Bearer é a única credencial da Saq. Trate como senha. Esta página cobre armazenamento, rotação, mascaramento em log, proteção do webhook por IP e validação DICT antes de pagar.
- [Security](/docs/pix-processamento/best-practices/security.en): Bearer token is Saq's only credential. Treat it like a password. This page covers storage, rotation, log masking, webhook IP protection, and DICT validation before paying.
- [安全](/docs/pix-processamento/best-practices/security.zh): Bearer token 是 Saq 唯一的凭证。请像密码一样对待。本页涵盖存储、轮换、日志脱敏、通过 IP 保护 webhook 以及付款前的 DICT 校验。
- [Conceitos](/docs/pix-processamento/concepts): Antes de fazer a primeira chamada, vale entender o que a API cobre, como os endpoints são agrupados e o que representa uma transação na Saq. Esta página é o mapa mental que você vai usar em todas as outras.
- [Concepts](/docs/pix-processamento/concepts.en): Before making your first call, it's worth understanding what the API covers, how endpoints are grouped, and what a transaction represents at Saq. This page is the mental map you'll use across all the others.
- [概念](/docs/pix-processamento/concepts.zh): 在进行第一次调用之前,有必要了解 API 涵盖的范围、endpoint 如何分组以及 Saq 中的交易代表什么。本页是您将在所有其他页面中使用的思维导图。
- [Endpoints da API](/docs/pix-processamento/endpoints): 29 endpoints da Saq agrupados em 7 áreas funcionais. Cada endpoint tem schema completo, exemplos em curl/Node/Python/Go/PHP e try-it interativo.
- [Conta](/docs/pix-processamento/endpoints/account): Endpoints para consultar dados da conta autenticada e saldo disponível em tempo real.
- [Account Info](/docs/pix-processamento/endpoints/account/get_user): Account profile, permissions, limits and fee rules.
- [Account Balance](/docs/pix-processamento/endpoints/account/get_user_balance): Available and blocked balances.
- [Get balance](/docs/pix-processamento/endpoints/account/get_user_balance.en): Returns the available balance and the blocked balance of the authenticated account.
- [查询余额](/docs/pix-processamento/endpoints/account/get_user_balance.zh): 返回已认证账户的可用余额和冻结余额。
- [Account data](/docs/pix-processamento/endpoints/account/get_user.en): Returns the profile, permissions, limits and fee rules of the authenticated account.
- [账户数据](/docs/pix-processamento/endpoints/account/get_user.zh): 返回已认证账户的资料、权限、限额和费率规则。
- [Account](/docs/pix-processamento/endpoints/account/index.en): Endpoints to query authenticated account data and available balance in real time.
- [账户](/docs/pix-processamento/endpoints/account/index.zh): 用于查询已认证账户数据及实时可用余额的 endpoints。
- [Callbacks](/docs/pix-processamento/endpoints/callbacks): Inspecionar histórico de callbacks enviados, reenviar manualmente uma entrega individual ou em lote. Útil para auditoria, debug e reprocessamento de falhas.
- [Get Callback](/docs/pix-processamento/endpoints/callbacks/get_user_callback_by_id): Returns the details of a specific callback log.
- [Callback details](/docs/pix-processamento/endpoints/callbacks/get_user_callback_by_id.en): Returns the complete details of a specific callback, including the body sent, response received, and round-trip time.
- [回调详情](/docs/pix-processamento/endpoints/callbacks/get_user_callback_by_id.zh): 返回特定回调的完整详细信息,包括发送的 body、收到的响应和往返时间。
- [List Callbacks](/docs/pix-processamento/endpoints/callbacks/get_user_callbacks): Returns a paginated list of webhook callback logs for the user's transactions.
- [List callbacks](/docs/pix-processamento/endpoints/callbacks/get_user_callbacks.en): Returns the paginated list of callback (webhook) logs for the account's transactions.
- [列出回调](/docs/pix-processamento/endpoints/callbacks/get_user_callbacks.zh): 返回账户交易的回调（webhook）日志分页列表。
- [Callbacks](/docs/pix-processamento/endpoints/callbacks/index.en): Inspect history of sent callbacks, manually resend an individual delivery or in batch. Useful for auditing, debugging and reprocessing failures.
- [回调](/docs/pix-processamento/endpoints/callbacks/index.zh): 检查已发送回调的历史记录，手动重新发送单个或批量投递。用于审计、调试和失败重新处理。
- [Re-send callback (single)](/docs/pix-processamento/endpoints/callbacks/resend_user_callback_single): Resend the callback of a single transaction.
- [Resend callback](/docs/pix-processamento/endpoints/callbacks/resend_user_callback_single.en): Resends the callback of a specific transaction to the configured URL.
- [重新发送回调](/docs/pix-processamento/endpoints/callbacks/resend_user_callback_single.zh): 将特定交易的回调重新发送到已配置的 URL。
- [Re-send callbacks (bulk)](/docs/pix-processamento/endpoints/callbacks/resend_user_callbacks): Resend callbacks in bulk for transactions matching the given filters.
- [Resend callbacks in bulk](/docs/pix-processamento/endpoints/callbacks/resend_user_callbacks.en): Resends multiple callbacks at once, based on the provided filters.
- [批量重新发送 callbacks](/docs/pix-processamento/endpoints/callbacks/resend_user_callbacks.zh): 根据指定的筛选条件，一次性重新发送多个 callbacks。
- [API Endpoints](/docs/pix-processamento/endpoints/index.en): 29 Saq endpoints grouped into 7 functional areas. Each endpoint has complete schema, examples in curl/Node/Python/Go/PHP and interactive try-it.
- [API Endpoints](/docs/pix-processamento/endpoints/index.zh): Saq 的 29 个 endpoints 分为 7 个功能领域。每个 endpoint 包含完整 schema、curl/Node/Python/Go/PHP 示例和交互式 try-it。
- [Infrações (MED)](/docs/pix-processamento/endpoints/infractions): Endpoints para lidar com disputas Pix abertas via Mecanismo Especial de Devolução (MED) do Bacen. Listar infrações, ver detalhe, submeter defesa e acompanhar histórico de defesas.
- [List Infractions](/docs/pix-processamento/endpoints/infractions/get_infractions): List all infractions for the authenticated user with pagination and filters.
- [Get Infraction](/docs/pix-processamento/endpoints/infractions/get_infractions_by_id): Get a specific infraction by ID.
- [Infraction details](/docs/pix-processamento/endpoints/infractions/get_infractions_by_id.en): Returns the full details of an infraction: reason, disputed amount, defense deadline and related transaction.
- [违规详情](/docs/pix-processamento/endpoints/infractions/get_infractions_by_id.zh): 返回违规的完整详情：原因、争议金额、抗辩期限及相关交易。
- [Get Defense](/docs/pix-processamento/endpoints/infractions/get_infractions_defense_by_id): Get a specific defense for an infraction. **Requires support privileges**.
- [Defense detail](/docs/pix-processamento/endpoints/infractions/get_infractions_defense_by_id.en): Returns the detail of a specific defense.
- [防御详情](/docs/pix-processamento/endpoints/infractions/get_infractions_defense_by_id.zh): 返回特定防御的详情。
- [List Defenses](/docs/pix-processamento/endpoints/infractions/get_infractions_defenses): List all defenses for a specific infraction. **Requires support privileges**.
- [List defenses](/docs/pix-processamento/endpoints/infractions/get_infractions_defenses.en): Lists all defenses submitted for a specific infraction.
- [列出抗辩](/docs/pix-processamento/endpoints/infractions/get_infractions_defenses.zh): 列出针对特定 infraction 提交的所有抗辩。
- [List infractions](/docs/pix-processamento/endpoints/infractions/get_infractions.en): Lists all open infractions (MED) against the authenticated account, with pagination and filters.
- [查询违规记录](/docs/pix-processamento/endpoints/infractions/get_infractions.zh): 列出当前认证账户下所有已开立的违规记录（MED），支持分页和筛选。
- [Infractions (MED)](/docs/pix-processamento/endpoints/infractions/index.en): Endpoints to handle Pix disputes opened via Bacen's Special Refund Mechanism (MED). List infractions, view detail, submit defense and track defense history.
- [违规争议 (MED)](/docs/pix-processamento/endpoints/infractions/index.zh): 用于处理通过 Bacen 特殊退款机制 (MED) 发起的 Pix 争议的端点。列出违规、查看详情、提交辩护并跟踪辩护历史。
- [Create Defense](/docs/pix-processamento/endpoints/infractions/post_infractions_defense): Create a defense for a specific infraction.
- [Submit defense](/docs/pix-processamento/endpoints/infractions/post_infractions_defense.en): Submits the defense of an infraction, with justification and attachments (invoices, delivery receipts, etc).
- [提交申诉](/docs/pix-processamento/endpoints/infractions/post_infractions_defense.zh): 提交违规行为的申诉，附带理由和附件（发票、交付凭证等）。
- [Transferência interna](/docs/pix-processamento/endpoints/internal-transfer): Move saldo entre duas contas Saq sem passar pelo Pix tradicional. Liquidação instantânea, identificação por accountNumber. Ideal para repasses matriz/filial, marketplaces e payouts entre clientes Saq.
- [Get internal transfer](/docs/pix-processamento/endpoints/internal-transfer/get_internal_transfer): Retrieve an internal transfer by id or clientReference Use apenas um destes parâmetros: id, clientReference. Combinar mais de um retorna erro.
- [Get internal transfer](/docs/pix-processamento/endpoints/internal-transfer/get_internal_transfer.en): Returns the data of an internal transfer by `id` or `clientReference`.
- [查询内部转账](/docs/pix-processamento/endpoints/internal-transfer/get_internal_transfer.zh): 通过 `id` 或 `clientReference` 返回内部转账的数据。
- [Internal transfer](/docs/pix-processamento/endpoints/internal-transfer/index.en): Moves balance between two Saq accounts without going through traditional Pix. Instant settlement, identification by accountNumber. Ideal for headquarters/branch transfers, marketplaces, and payouts between Saq customers.
- [内部转账](/docs/pix-processamento/endpoints/internal-transfer/index.zh): 在两个 Saq 账户之间转移余额，无需经过传统 Pix。即时清算，通过 accountNumber 识别。适用于总部/分公司划拨、marketplace 以及 Saq 客户之间的 payout。
- [Create internal transfer](/docs/pix-processamento/endpoints/internal-transfer/post_internal_transfer): Send funds to another Saq account using its 6-digit accountNumber. Settles instantly within Saq.
- [Create internal transfer](/docs/pix-processamento/endpoints/internal-transfer/post_internal_transfer.en): Creates a transfer between Saq accounts with instant settlement.
- [创建内部转账](/docs/pix-processamento/endpoints/internal-transfer/post_internal_transfer.zh): 在 Saq 账户之间创建即时结算的转账。
- [Cobranças Pix](/docs/pix-processamento/endpoints/pix-operations): Endpoints para criar cobranças Pix dinâmicas (depósitos), consultar status, renderizar QR Code e baixar comprovante.
- [Retrieve Charge](/docs/pix-processamento/endpoints/pix-operations/get_pix): Get the latest status and details for a Pix **deposit (charge)**. Provide **one** of `id`, `clientReference`, or `endToEndId`. Use apenas um destes parâmetros: id, clientReference, endToEndId. Combinar mais de um retorna erro.
- [Render Pix QR code (PNG)](/docs/pix-processamento/endpoints/pix-operations/get_pix_qrcode): Render the Pix QR Code of a deposit as a binary PNG image
- [Render QR Code](/docs/pix-processamento/endpoints/pix-operations/get_pix_qrcode.en): Returns the QR Code of a Pix charge rendered as a binary PNG image.
- [渲染 QR Code](/docs/pix-processamento/endpoints/pix-operations/get_pix_qrcode.zh): 以二进制 PNG 图像格式返回 Pix 收款的 QR Code。
- [Get charge](/docs/pix-processamento/endpoints/pix-operations/get_pix.en): Returns the current data of a Pix charge. Accepts filter by `id`, `clientReference`, or `endToEndId`.
- [查询收款](/docs/pix-processamento/endpoints/pix-operations/get_pix.zh): 返回 Pix 收款的当前数据。支持按 `id`、`clientReference` 或 `endToEndId` 进行筛选。
- [Get Transaction Receipt](/docs/pix-processamento/endpoints/pix-operations/get_proof): Retorna o comprovante da transação como JSON com o campo `base64` (PDF codificado). Decodifique pra exibir ou salvar como `.pdf`.
- [Transaction Receipt](/docs/pix-processamento/endpoints/pix-operations/get_proof.en): Returns the receipt for a Pix transaction in PDF or Base64.
- [交易凭证](/docs/pix-processamento/endpoints/pix-operations/get_proof.zh): 返回 Pix 交易凭证，格式为 PDF 或 Base64。
- [Pix Charges](/docs/pix-processamento/endpoints/pix-operations/index.en): Endpoints to create dynamic Pix charges (deposits), check status, render QR Code and download proof of payment.
- [Pix 收款](/docs/pix-processamento/endpoints/pix-operations/index.zh): 用于创建动态 Pix 收款（存款）、查询状态、渲染 QR Code 和下载凭证的 endpoint。
- [Create Charge (Pix deposit)](/docs/pix-processamento/endpoints/pix-operations/post_pix): Create a new Pix **deposit** (charge). Returns QR Code and transaction details.
- [Create Pix charge](/docs/pix-processamento/endpoints/pix-operations/post_pix.en): Creates a dynamic Pix charge. Returns the `qrCodeText` (copy-and-paste), `qrCodeImageUrl` and the transaction `id` that you will use to check status and receive callbacks.
- [创建 Pix 收款](/docs/pix-processamento/endpoints/pix-operations/post_pix.zh): 创建动态 Pix 收款。返回 `qrCodeText`（复制粘贴码）、`qrCodeImageUrl` 以及用于查询状态和接收 callback 的交易 `id`。
- [Relatórios](/docs/pix-processamento/endpoints/reports): Histórico de transações, relatórios assíncronos em CSV e consulta individual. Use a listagem para tela e conciliação curta, o relatório assíncrono para janelas grandes e BI.
- [Download report](/docs/pix-processamento/endpoints/reports/download_user_report): Returns a short-lived signed URL to download the CSV file.
- [Download report](/docs/pix-processamento/endpoints/reports/download_user_report.en): Returns a signed URL (valid for a short period) to download the report CSV file.
- [下载报告](/docs/pix-processamento/endpoints/reports/download_user_report.zh): 返回一个签名 URL（短期有效），用于下载报告的 CSV 文件。
- [List report job status](/docs/pix-processamento/endpoints/reports/get_user_report): List report jobs created by the authenticated user.
- [Report status](/docs/pix-processamento/endpoints/reports/get_user_report.en): Returns the status of a report job (`PENDING`, `RUNNING`, `COMPLETED`, `FAILED`).
- [报告状态](/docs/pix-processamento/endpoints/reports/get_user_report.zh): 返回报告任务的状态（`PENDING`、`RUNNING`、`COMPLETED`、`FAILED`）。
- [List transaction details](/docs/pix-processamento/endpoints/reports/get_user_transaction_by_id): Retrieve a single transaction with its callback log and linked infractions.
- [Transaction Detail](/docs/pix-processamento/endpoints/reports/get_user_transaction_by_id.en): Returns a specific transaction with callback logs and linked infractions.
- [交易详情](/docs/pix-processamento/endpoints/reports/get_user_transaction_by_id.zh): 返回特定交易及其 callback 日志和关联的违规记录。
- [List Transactions](/docs/pix-processamento/endpoints/reports/get_user_transactions): Paginated list of account transactions with filters.
- [List transactions](/docs/pix-processamento/endpoints/reports/get_user_transactions.en): Paginated list of account transactions with filters by status, type, period and `clientReference`.
- [列出交易](/docs/pix-processamento/endpoints/reports/get_user_transactions.zh): 账户交易的分页列表，支持按状态、类型、时间段和 `clientReference` 进行筛选。
- [Reports](/docs/pix-processamento/endpoints/reports/index.en): Transaction history, asynchronous CSV reports, and individual lookup. Use listing for screen and short reconciliation, async report for large windows and BI.
- [报表](/docs/pix-processamento/endpoints/reports/index.zh): 交易历史记录、CSV 异步报表和单笔查询。列表用于界面和短期对账，异步报表用于大时间窗口和 BI。
- [List report jobs](/docs/pix-processamento/endpoints/reports/list_user_reports): List report jobs created by the authenticated user.
- [List reports](/docs/pix-processamento/endpoints/reports/list_user_reports.en): Lists the report jobs created by the authenticated account.
- [列出报告](/docs/pix-processamento/endpoints/reports/list_user_reports.zh): 列出由已认证账户创建的报告任务。
- [Generate transactions report](/docs/pix-processamento/endpoints/reports/post_user_report): Queue an asynchronous job that generates a CSV report of transactions for the given period and filters.
- [Generate report](/docs/pix-processamento/endpoints/reports/post_user_report.en): Creates an asynchronous job to generate a CSV transaction report. Use for large windows (month, year).
- [生成报告](/docs/pix-processamento/endpoints/reports/post_user_report.zh): 创建异步任务以生成 CSV 格式的交易报告。适用于大时间窗口（月、年）。
- [Saques](/docs/pix-processamento/endpoints/withdrawals): Endpoints para enviar Pix da conta Saq para destinatários externos, por chave Pix ou por leitura de QR Code. Inclui consulta DICT, leitura de QR e download de comprovante.
- [Dict Pix Key Lookup](/docs/pix-processamento/endpoints/withdrawals/get_pix_key): Query the DICT (Diretório de Identificadores de Contas Transacionais) to retrieve information about a Pix key before sending a payment. Returns the key owner's details and associated financial institution.
- [DICT Query](/docs/pix-processamento/endpoints/withdrawals/get_pix_key.en): Query the DICT (Transactional Accounts Identifiers Directory) to retrieve information about a Pix key before making a payment.
- [DICT 查询](/docs/pix-processamento/endpoints/withdrawals/get_pix_key.zh): 查询 DICT (Diretório de Identificadores de Contas Transacionais) 以在发起支付前获取 Pix 密钥的相关信息。
- [Retrieve Withdrawal](/docs/pix-processamento/endpoints/withdrawals/get_withdraw): Get the latest status and details for a **withdrawal**. You can provide any **one** of the following parameters: `id`, `clientReference`, or `endToEndId`. All three are optional and you can use any one of them to retrieve the withdrawal. Use apenas um destes parâmetros: id, clientReference, endToEndId. Combinar mais de um retorna erro.
- [Get Withdrawal Receipt](/docs/pix-processamento/endpoints/withdrawals/get_withdraw_proof): Retorna o comprovante da transação como JSON com o campo `base64` (PDF codificado). Decodifique pra exibir ou salvar como `.pdf`.
- [Withdrawal Receipt](/docs/pix-processamento/endpoints/withdrawals/get_withdraw_proof.en): Returns the receipt for a withdrawal in PDF or Base64.
- [提现凭证](/docs/pix-processamento/endpoints/withdrawals/get_withdraw_proof.zh): 返回提现的凭证，格式为 PDF 或 Base64。
- [Get withdrawal](/docs/pix-processamento/endpoints/withdrawals/get_withdraw.en): Returns the current data of a withdrawal. Accepts filter by `id`, `clientReference` or `endToEndId`.
- [查询提现](/docs/pix-processamento/endpoints/withdrawals/get_withdraw.zh): 返回提现的当前数据。支持通过 `id`、`clientReference` 或 `endToEndId` 进行筛选。
- [Withdrawals](/docs/pix-processamento/endpoints/withdrawals/index.en): Endpoints to send Pix from the Saq account to external recipients, by Pix key or by QR Code reading. Includes DICT lookup, QR reading and receipt download.
- [提现](/docs/pix-processamento/endpoints/withdrawals/index.zh): 用于从 Saq 账户向外部收款人发送 Pix 的 endpoints，支持通过 Pix key 或读取 QR Code。包含 DICT 查询、QR 读取和回单下载。
- [Read QR Code](/docs/pix-processamento/endpoints/withdrawals/post_pix_qrcode_read): Decode and extract information from a Pix QR Code (EMV format) before making a payment. Returns the parsed data including receiver details, amount (if present), and other QR Code metadata. No momento a Saq só suporta QR Code dinâmico. QR estático ainda não é processado.
- [Read QR Code](/docs/pix-processamento/endpoints/withdrawals/post_pix_qrcode_read.en): Decodes a Pix QR Code (EMV format) and returns the structured data: receiver, amount (when present) and metadata.
- [读取 QR Code](/docs/pix-processamento/endpoints/withdrawals/post_pix_qrcode_read.zh): 解码 Pix QR Code（EMV 格式）并返回结构化数据：收款方、金额（如存在）和元数据。
- [Create Withdrawal (Pix key)](/docs/pix-processamento/endpoints/withdrawals/post_withdraw): Send a Pix **cash out** to the specified Pix key.
- [Create Withdrawal using QR Code](/docs/pix-processamento/endpoints/withdrawals/post_withdraw_qrcode): Cash out using a **Pix QR Code** (static/dynamic). If `amount` is not provided, the QR Code's embedded value will be used. No momento a Saq só suporta QR Code dinâmico. QR estático ainda não é processado.
- [QR Code Withdrawal](/docs/pix-processamento/endpoints/withdrawals/post_withdraw_qrcode.en): Performs payment of a dynamic Pix QR Code. If the QR has an embedded value, `amount` can be omitted.
- [通过 QR Code 提现](/docs/pix-processamento/endpoints/withdrawals/post_withdraw_qrcode.zh): 执行动态 Pix QR Code 支付。如果 QR 中已嵌入金额，可省略 `amount`。
- [Withdrawal by Pix key](/docs/pix-processamento/endpoints/withdrawals/post_withdraw.en): Sends a Pix withdrawal (cash out) to the specified Pix key. Supports CPF, CNPJ, phone, email or EVP key types.
- [通过 Pix 密钥提现](/docs/pix-processamento/endpoints/withdrawals/post_withdraw.zh): 向指定的 Pix 密钥发送 Pix 提现（cash out）。支持 CPF、CNPJ、电话、邮箱或 EVP 类型的密钥。
- [Para IAs (LLMs)](/docs/pix-processamento/for-ai): Toda a documentação da Saq disponível em formato consumível por modelos de linguagem. Copie o conteúdo direto, baixe o dump completo, ou use as URLs específicas por página. Funciona com ChatGPT, Claude, Gemini, Cursor, Copilot, etc.
- [For AIs (LLMs)](/docs/pix-processamento/for-ai.en): All Saq documentation available in a format consumable by language models. Copy the content directly, download the full dump, or use the page-specific URLs. Works with ChatGPT, Claude, Gemini, Cursor, Copilot, etc.
- [面向 AI (LLMs)](/docs/pix-processamento/for-ai.zh): Saq 全部文档以语言模型可消费的格式提供。直接复制内容、下载完整 dump,或使用每页专属 URL。兼容 ChatGPT、Claude、Gemini、Cursor、Copilot 等。
- [Primeiros passos](/docs/pix-processamento/getting-started): Em menos de 10 minutos você cria conta, gera credenciais, faz a primeira chamada autenticada e recebe um callback de teste. Este é o caminho mais curto da Saq até a primeira transação Pix funcionando no seu sistema.
- [Getting started](/docs/pix-processamento/getting-started.en): In less than 10 minutes you create an account, generate credentials, make the first authenticated call and receive a test callback. This is the shortest path from Saq to the first Pix transaction working in your system.
- [快速开始](/docs/pix-processamento/getting-started.zh): 在不到 10 分钟内完成开户、生成凭证、发起首次认证调用并接收测试 callback。这是从 Saq 到首笔 Pix 交易在您系统中运行的最短路径。
- [Glossário](/docs/pix-processamento/glossary): Termos, siglas, status e campos que aparecem na Saq. Se você ficou travado em uma sigla do Bacen ou um campo da API, é aqui. Tudo em PT com o nome original quando relevante.
- [Glossary](/docs/pix-processamento/glossary.en): Terms, acronyms, statuses, and fields that appear in Saq. If you got stuck on a Bacen acronym or an API field, this is the place. All in English with the original name when relevant.
- [术语表](/docs/pix-processamento/glossary.zh): Saq 中出现的术语、缩写、状态和字段。如果你被某个 Bacen 缩写或 API 字段卡住,就来这里查。全部为中文,必要时保留原始名称。
- [Saq](/docs/pix-processamento/index.en): High-performance REST API for Pix operations in production. Covers charges, withdrawals, internal transfers and callbacks, with real-time processing, 24/7.
- [Saq 处理](/docs/pix-processamento/index.zh): 用于生产环境 Pix 操作的高性能 REST API。涵盖收款、提现、内部转账和 callbacks，实时处理，7x24 小时运行。
- [MED (Mecanismo Especial de Devolução)](/docs/pix-processamento/med): Procedimento do Bacen para proteger usuários Pix em casos de fraude, golpe ou transações não autorizadas. Quando uma atividade suspeita é identificada, a instituição do pagador abre um processo formal pedindo o estorno do valor.
- [MED (Special Refund Mechanism)](/docs/pix-processamento/med.en): Bacen procedure to protect Pix users in cases of fraud, scam, or unauthorized transactions. When suspicious activity is identified, the payer's institution opens a formal process requesting the refund.
- [MED (特殊退款机制)](/docs/pix-processamento/med.zh): Bacen 用于保护 Pix 用户在欺诈、骗局或未授权交易情况下的程序。当识别到可疑活动时,付款方机构发起正式流程请求退款。
- [Tipos de chave Pix](/docs/pix-processamento/pix-key-types): Tipos de chave Pix aceitos pela API Saq, formato esperado de cada um e regras de validação.
- [Pix key types](/docs/pix-processamento/pix-key-types.en): Pix key types accepted by the Saq API, expected format of each one and validation rules.
- [Pix 密钥类型](/docs/pix-processamento/pix-key-types.zh): Saq API 接受的 Pix 密钥类型、每种类型的预期格式和验证规则。
- [TrueHolder](/docs/pix-processamento/trueholder): Trava de segurança que valida a titularidade do documento (CPF/CNPJ) antes de processar a transação. Funciona tanto em cash-in (depósito) quanto em cash-out (saque), bloqueando movimentações fora do titular autorizado.
- [TrueHolder](/docs/pix-processamento/trueholder.en): Security lock that validates document ownership (CPF/CNPJ) before processing the transaction. Works for both cash-in (deposit) and cash-out (withdrawal), blocking movements outside the authorized holder.
- [TrueHolder](/docs/pix-processamento/trueholder.zh): 在处理交易前验证文件（CPF/CNPJ）持有人身份的安全锁。适用于 cash-in（充值）和 cash-out（提现），阻止授权持有人以外的资金流动。
- [Tutoriais](/docs/pix-processamento/tutoriais): Fluxos reais de produção combinando os endpoints da Saq, desde receber um Pix simples até lidar com uma disputa MED. Cada tutorial tem código pronto em curl, Node, Python, Go e PHP.
- [Tutorials](/docs/pix-processamento/tutoriais/index.en): Real production flows combining Saq endpoints, from receiving a simple Pix to handling a MED dispute. Each tutorial has ready-to-use code in curl, Node, Python, Go and PHP.
- [教程](/docs/pix-processamento/tutoriais/index.zh): 结合 Saq 端点的真实生产流程，从接收简单的 Pix 到处理 MED 争议。每个教程都包含 curl、Node、Python、Go 和 PHP 的现成代码。
- [Infrações (MED)](/docs/pix-processamento/tutoriais/infractions): O MED é o processo do Bacen para contestar Pix em casos de fraude ou erro do pagador. Quando uma cobrança recebida vira disputa, a Saq cria uma infração e você tem prazo curto para responder com defesa.
- [Infractions (MED)](/docs/pix-processamento/tutoriais/infractions.en): MED is the Bacen process for contesting Pix in cases of fraud or payer error. When a received charge becomes a dispute, Saq creates an infraction and you have a short deadline to respond with a defense.
- [违规处理 (MED)](/docs/pix-processamento/tutoriais/infractions.zh): MED 是 Bacen 针对付款人欺诈或错误情况下对 Pix 进行争议处理的流程。当收到的收款变成争议时，Saq 会创建违规记录，您需要在短时间内提交答辩。
- [Transferência interna](/docs/pix-processamento/tutoriais/internal-transfer): Quando origem e destino são contas Saq, você pode mover saldo entre elas sem passar pelo Pix tradicional. Liquidação instantânea, identificação por accountNumber. Ideal para repasses internos entre matriz/filial ou pagar parceiros Saq.
- [Internal transfer](/docs/pix-processamento/tutoriais/internal-transfer.en): When source and destination are Saq accounts, you can move balance between them without going through traditional Pix. Instant settlement, identification by accountNumber. Ideal for internal transfers between headquarters/branch or paying Saq partners.
- [内部转账](/docs/pix-processamento/tutoriais/internal-transfer.zh): 当付款方和收款方均为 Saq 账户时，您可以在它们之间直接划转余额，无需经过传统 Pix。即时清算，通过 accountNumber 识别。适用于总部/分部间的内部划转或向 Saq 合作伙伴付款。
- [Receber pagamento Pix](/docs/pix-processamento/tutoriais/receive-pix): Fluxo completo para receber dinheiro de um cliente via Pix. Você cria a cobrança, exibe o QR Code, processa o callback de COMPLETED e implementa polling como fallback. Código pronto em curl, Node, Python, Go e PHP.
- [Receive Pix payment](/docs/pix-processamento/tutoriais/receive-pix.en): Complete flow to receive money from a customer via Pix. You create the charge, display the QR Code, process the COMPLETED callback and implement polling as a fallback. Ready-to-use code in curl, Node, Python, Go and PHP.
- [接收 Pix 付款](/docs/pix-processamento/tutoriais/receive-pix.zh): 通过 Pix 从客户接收资金的完整流程。您创建收款单、展示 QR Code、处理 COMPLETED callback，并实现 polling 作为后备方案。提供 curl、Node、Python、Go 和 PHP 的现成代码。
- [Conciliação](/docs/pix-processamento/tutoriais/reconciliation): Mesmo com callbacks confiáveis, todo sistema sério bate as transações da Saq com o banco interno diariamente. Aqui você aprende a listar transações em tempo real, gerar relatórios assíncronos para janelas grandes e usar clientReference para fechar o ciclo.
- [Reconciliation](/docs/pix-processamento/tutoriais/reconciliation.en): Even with reliable callbacks, every serious system reconciles Saq transactions against the internal bank daily. Here you learn how to list transactions in real time, generate asynchronous reports for large windows, and use clientReference to close the loop.
- [对账](/docs/pix-processamento/tutoriais/reconciliation.zh): 即使有可靠的 callbacks，所有正规系统都会每日将 Saq 的交易与内部银行进行核对。本文教你如何实时列出交易、为大时间窗口生成异步报表，并使用 clientReference 闭合循环。
- [Enviar Pix](/docs/pix-processamento/tutoriais/send-pix): Dois caminhos para enviar Pix da sua conta Saq para um destinatário externo. Saque por chave Pix (com validação DICT) ou pagar QR Code. Inclui acompanhamento de status e download de comprovante.
- [Send Pix](/docs/pix-processamento/tutoriais/send-pix.en): Two paths to send Pix from your Saq account to an external recipient. Withdraw by Pix key (with DICT validation) or pay QR Code. Includes status tracking and receipt download.
- [发送 Pix](/docs/pix-processamento/tutoriais/send-pix.zh): 从您的 Saq 账户向外部收款人发送 Pix 的两种方式。通过 Pix 密钥提现（含 DICT 校验）或支付 QR Code。包含状态跟踪和凭证下载。
- [2FA (Autenticação em dois fatores)](/docs/pix-processamento/two-factor): A 2FA é obrigatória para criar tokens de API e processar saques pelo dashboard. Use qualquer app autenticador TOTP (Google Authenticator, Microsoft Authenticator, 1Password, Authy ou similar) para gerar os códigos de 6 dígitos.
- [2FA (Two-Factor Authentication)](/docs/pix-processamento/two-factor.en): 2FA is required to create API tokens and process withdrawals through the dashboard. Use any TOTP authenticator app (Google Authenticator, Microsoft Authenticator, 1Password, Authy or similar) to generate the 6-digit codes.
- [2FA（双因素认证）](/docs/pix-processamento/two-factor.zh): 创建 API token 和通过 dashboard 处理提现时必须启用 2FA。可使用任何 TOTP 认证 app（Google Authenticator、Microsoft Authenticator、1Password、Authy 或类似产品）生成 6 位数字验证码。
- [Webhooks](/docs/pix-processamento/webhooks): O sistema de webhooks da Saq envia notificações em tempo real sobre mudanças de status de transações. Ao criar uma transação e fornecer um callbackUrl, atualizamos automaticamente sua aplicação a cada mudança. Inclui retry com backoff exponencial de até 72 tentativas.
- [Webhooks](/docs/pix-processamento/webhooks.en): Saq's webhook system sends real-time notifications about transaction status changes. When you create a transaction and provide a callbackUrl, we automatically update your application on every change. Includes retry with exponential backoff for up to 72 attempts.
- [Webhooks](/docs/pix-processamento/webhooks.zh): Saq 的 webhook 系统实时发送交易状态变更通知。创建交易并提供 callbackUrl 后,我们会在每次状态变更时自动更新您的应用。包含最多 72 次指数退避重试机制。