Receive PIX without a business account — see how PixGo helps your business

You bake, fix things, sew, sell clothes, or provide a service — and you want to get paid via PIX to sell more. The problem is that, to receive "as a business," they usually ask for a bank account, sometimes a tax ID, paperwork, and even proof of income. And you just want to sell. This article is for you, even if you've never heard of PixGo and know nothing about crypto: we'll explain, with no jargon, how it gets you receiving PIX in a few steps, without opening a business account.

Why getting paid via PIX "as a business" usually stalls

PIX itself is easy: the customer pays and it lands instantly. The annoying part is the path to receiving in an organized, professional way. Anyone who's tried knows:

• They ask you to open a business account, with a tax ID, fees, and a monthly charge.
• There's paperwork and proof of income to unlock higher limits.
• The process takes days — and you want to sell today.
• People just starting out, informal, or MEI often can't even get through that bureaucracy.

That annoying part is exactly what PixGo solves. And to be clear: PixGo doesn't compete with your card machine — we don't even handle cards, only PIX. Our edge is removing the bureaucracy between you and your first payment received.

The PixGo trick: we process the PIX for you

Here's how it works: PixGo, together with its banking partners, processes the PIX for you. That means you don't have to set up a structure at a bank or open a business account. You sign up with email and password and link your PixGo wallet; once your account is validated, you can start generating charges.

In practice: the customer pays a normal PIX from their bank, and the amount arrives for you as DePix — think of it as a Brazilian real stablecoin (1 DePix = R$ 1), stored in your PixGo wallet. You don't need to understand crypto to use it: open, receive, and use it, like any app.

Maria's story, from the bakery

Maria bakes cakes and sweets to order from home. She wanted to receive from customers in a more professional way, but she had no business tax ID and got stuck in the bureaucracy: the bank asked for documents, proof, opening a company account. The result: she kept receiving PIX in her personal account, disorganized and afraid of running into trouble.

With PixGo it was different. She signed up with email and password, created the wallet and, once her account was validated, generated her first charge. The system generates a QR Code and a Pix Copy and Paste code: she sends it on WhatsApp or shows it at delivery, the customer pays a normal PIX, and the amount reaches her wallet as DePix by the end of the next day. No company and no business account. All she had to do was want to sell.

Marcos's story, the carpenter

Marcos makes custom furniture and receives high amounts at once — a fitted wardrobe, a whole kitchen. For him, what changed the game was something else: besides receiving PIX in a simple way, without opening a business account, he discovered his balance is already crypto.

Since he buys wood and hardware that go up in price along with the dollar, he keeps part of what he receives in digital dollars inside his own PixGo wallet, to protect himself when the real loses value. It was the simplest way he found to take his first step into the crypto world — no broker, no hassle, starting from something he already understands: the PIX he receives from sales. When he needs to, he swaps back to real and cashes out.

How it works in practice (4 steps)

It's simpler than it sounds, and you don't need to know anything about technology:

• 1. Sign up with email and password.
• 2. Link your wallet: create the PixGo Wallet at wallet.pixgo.org (or use another Liquid network wallet) and save and validate the address in My Profile.
• 3. Account validated: after sign-up, PixGo validates your account, like any payment platform does.
• 4. Generate a charge with the amount (minimum R$ 10) and the CPF or CNPJ of who will pay: the system generates a QR Code and a Pix Copy and Paste code — send it on WhatsApp or show it at the counter. The customer pays from the account of that same document, the PIX is confirmed on the spot, and the DePix reaches your wallet by the end of the next day.

The tools you get to sell

Receiving is just the start. Inside PixGo you get a kit to sell in many ways, paying nothing extra for it:

• Payment link — generate a link and send it on WhatsApp, a story, or your bio; the customer opens it and pays via PIX. See how to create a checkout link.
• Free online store (My Store) — build a storefront with your products, shipping, and coupons, with no monthly fee. Step by step in setting up My Store.
• QR Code — show it at the counter or on delivery so the customer pays right there; you can even have a fixed QR Code.
• Recurring billing — for monthly or subscription customers, the charge arrives on its own every month. Learn more in automatic recurring PIX.
• API and integration — if you (or your dev) want to plug it into your system, there's an API for developers.

All of it falls under the same per-sale fee table — no paid module, no premium plan, no catch.

Your gateway into the crypto market (no scare)

There's an advantage beyond just receiving: since your money already arrives as DePix (the real-backed stablecoin), PixGo becomes the simplest way to take your first step into the crypto world. You start from something familiar — the PIX from your sale — and, if you want, you dollarize, save, or explore other options, all in the same wallet. No need to open a brokerage account, no complicated terms. Anyone who just wants to receive and cash out in real can do that too. The pace is yours.

What about taxes? Relax

To be clear, because it's an honest question every seller has: PixGo is not a trick to dodge taxes. A sale is a sale, and you declare what you receive as you normally would — including staying an MEI, if that's your case. What PixGo gives you isn't less tax: it's simplicity to start receiving, without setting up a structure at a bank.

Less fees, more money left at month-end

Here it's honest and simple: PixGo charges 2% per sale (on sales from R$ 10 to R$ 49.99, 2% + R$ 1), plus R$ 0.50 per transfer to your wallet, which is PixGo's fee for the next-day transfer. That's it. No monthly fee, no rental of anything, no contract, and no lock-in. You sold, you pay the fee on that sale. No sales this month? You pay nothing.

That's where more money stays in your pocket. Many payment solutions charge a fixed monthly fee that hits whether you sell or not. Swapping that for a fee only when money comes in makes the month add up better:

• Made R$ 10,000 in the month from 50 sales of R$ 200? On PixGo that's 2% = R$ 200, plus R$ 0.50 per daily transfer (one per day with sales, covering all of that day's sales), with no monthly fee on top.
• No movement one week? Zero cost waiting — you don't pay to keep an idle tool.
• The PIX is confirmed on the spot and the DePix reaches your wallet by the end of the next day, every day, including weekends and holidays.

It's not magic and it's not "dodging taxes" (you declare that normally) — it's simply cutting fees and fixed costs, and what's left stays with you.

PixGo vs setting up a structure at the bank

To make it visual, on one side the traditional path to receive "as a business" (the bank structure), on the other PixGo:

The real saving here is cutting the fixed cost and bureaucracy of building a structure just to be able to receive — you swap a pile of maintenance fees for a fee only when you sell. On taxes: you declare your income normally on both sides — PixGo lets you start light, it doesn't exempt you from declaring.

Frequently asked questions

Do I need a bank or a tax ID to start?

No business tax ID needed: you can start with your personal CPF. You sign up with email and password, link your PixGo wallet and, after sign-up, PixGo validates your account. PixGo, with its banking partners, processes the PIX for you — so you don't need to open a business account or set up a structure at a bank. If you're an MEI, you stay an MEI normally.

Do I need to understand crypto to use it?

No. You use it like an ordinary app: open, receive, use, and cash out. DePix (a Brazilian real stablecoin) is always worth 1 real — you don't need to track any exchange rate.

Does my customer need to download anything?

No. Nothing changes for them: they pay a normal PIX, from the bank they already use — they just need to pay from the account of the same CPF or CNPJ entered on the charge. The change is only on your side.

How long until I start receiving?

After signing up, you link your wallet and PixGo validates your account. Once the account is validated, you can generate charges, and each sale reaches your wallet by the end of the next day.

How do I turn it into cash in my account?

Once the DePix reaches your wallet, you cash out via PIX back to your account whenever you want, from the wallet's own button.

You already do the hard part: you sell and you deliver. PixGo takes care of just one thing — getting you to receive PIX in a simple way, with no business account, and opening the door to the crypto market too. Create your free account and, once it is validated, generate your first charge.