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How to Create a QR Code to Receive Pix Payments Through Banco do Brasil

Create a reusable or charge-specific Pix QR Code with Banco do Brasil, share it with customers, and confirm the money reached your account.
From TheFinanceBase Team8 min to read
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To receive Pix through Banco do Brasil, register a Pix key, then create a code in the App BB or an eligible business channel. Choose a reusable static QR Code for repeat payments, or a charge-specific dynamic QR Code or BB Pay collection when you need payment details or tracking. Share or display the code, then confirm the credit in your account—not from a customer’s screenshot.

Before you start

You need an active Banco do Brasil account, access to the current App BB or the appropriate business channel, internet access, and app authentication. To create a QR Code from a Pix key, you also need a registered key linked to the account that should receive the money. Pix keys can be a CPF/CNPJ, email address, cellphone number, or randomly generated key, according to the Banco Central’s Pix key FAQ, updated March 3, 2026. That FAQ says individuals may register up to five keys per account and legal entities up to 20.

Have a way to display or send the code: for example, show it on your phone, print it, or share the image or payment link. Features and menu labels vary between Pessoa Física, eligible entrepreneurial customers, MEI/EI, and Pessoa Jurídica profiles. BB confirms QR Code generation through the App BB and, for business customers, BB Digital PJ, but does not publish one stable menu sequence for every profile.

Choose the right Pix option

A QR Code is not a separate wallet or payment account. It carries payment information that directs the payer’s Pix to the account associated with the selected key or collection setup. BB and the Banco Central distinguish reusable static codes from charge-specific dynamic codes; Pix Cobrança can also use a Pix Copia e Cola string.

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Option Reuse and amount Useful for What to keep in mind
Static QR Code Designed for reuse. Depending on how it is created, it can contain a fixed amount or let the payer enter one. Personal transfers, donations, tips, informal sales, and a reusable payment sign. It is less suited to tracking each customer’s individual charge.
Dynamic QR Code / Pix Cobrança Normally represents a specific charge rather than a permanent reusable code. It can carry details such as a due date, interest, fine, discount, or abatement where supported. Individual sales, formal collections, and charges that need terms or transaction-level control. Do not assume a charge-specific code can be reused like a static one. Features may depend on the service and account.
BB Pay payment link Creates a charge page and a link to share; the page can present a Pix QR Code. Sharing a charge through WhatsApp or another channel and monitoring its status. It is a collection workflow, not simply a permanent QR image. Access depends on eligibility.

The Banco do Brasil Pix page explains static and dynamic codes. The Banco Central’s Pix Cobrança guidance describes QR Code and Pix Copia e Cola collections for immediate payments and, where supported, future-dated payments with charge terms. Participating institutions must provide static-code generation for natural persons, including individuals, empresários individuais, and MEIs; dynamic-code and broader collection-management features may be optional.

Create a reusable QR Code in the App BB

Use this as a general flow, not a guaranteed tap-by-tap path: BB’s public individual page confirms the feature but does not document a universal sequence of current button labels. Menu wording and location can change by app version and account profile.

  1. Open the official App BB and sign in.
  2. Open Pix.
  3. Look for the receiving, charging, or QR Code generation option.
  4. Select the registered Pix key and receiving account if the app asks you to choose them.
  5. Choose a static QR Code for a reusable code.
  6. Enter a fixed amount if appropriate, or leave the amount open for the payer if the app offers that choice.
  7. Review the destination and amount, then generate the code.
  8. Save or display the image, print it, or share it with the payer.

If no receiving-code option appears, first check whether you have a Pix key registered. Update the official app and look again under Pix, payments, or receivables. Business customers can also check BB Digital PJ; BB Pay or Área do Vendedor may not be enabled for every customer. BB advises keeping the App BB updated for Pix transactions. Do not enter bank details into an unofficial QR generator unless the resulting payment destination can be independently verified.

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Create a charge with BB Pay

For eligible customers, BB documents the path as App BB → Pagamentos → BB Pay → Criar cobrança. BB Pay creates a charge, payment page, shareable link, and tracking view; it is useful when a separate collection record matters more than keeping one permanent code.

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  1. In the App BB, go to Pagamentos, open BB Pay, and select Criar cobrança.
  2. Optionally select or add the customer.
  3. Enter the amount and any other requested charge details.
  4. Add a due date, interest, or discount if needed and available.
  5. Review and confirm the charge.
  6. Share the generated payment link. The payment page can show a Pix QR Code, including for a payer who is not a BB customer.
  7. Track the charge under BB Pay → Minhas cobranças.

BB says the funds are credited immediately after payment is completed, to the account linked to the Pix key selected during BB Pay registration. Still check the account or charge status before handing over goods or services. See Banco do Brasil’s BB Pay information for the service details.

Business collections: BB Digital PJ and Área do Vendedor

BB says business customers can generate static and dynamic QR Codes in the App BB and BB Digital PJ. Use a simple static code for a reusable display, a dynamic Pix Cobrança for a particular charge with additional terms, or BB Pay when a shareable link and charge tracking are useful. Businesses that need point-of-sale or system integration should review BB’s business Pix options rather than treating a permanent code as a full reconciliation system; see Banco do Brasil’s Pix for businesses page.

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Use Área do Vendedor when available

BB’s Venda Sem Maquininha guide describes a logged-in App BB flow for authorized business users:

  1. Open Área do Vendedor.
  2. Choose the option to create a charge.
  3. Optionally enter a charge name, then enter the amount.
  4. Review and confirm the charge.
  5. Show the generated Pix QR Code to the customer.
  6. Use Verificar Pagamento to check whether the charge was paid.

Área do Vendedor is not necessarily available to personal-account customers or to every business profile.

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How the customer pays

The payer can use BB or another participating financial institution; they do not need to open a Banco do Brasil account. The Banco Central explains receiving Pix by QR Code in its Pix receiving FAQ. A typical payment works as follows:

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  1. The payer opens their bank or payment institution’s app, chooses Pix, and selects the QR Code reader.
  2. They scan the code on your screen or printed display. If their app supports it, they may upload a saved QR image instead.
  3. They review the recipient’s name, institution, amount, and any description before proceeding.
  4. They confirm and authenticate the payment in their own app.

For a payer using the App BB, the bank documents Pix → Ler um QR Code → scan the code → review details → Avançar → confirm and enter the password in its Pix and transfer help center.

Use Pix Copia e Cola if scanning fails

If the receiving workflow provides a Pix Copia e Cola code, the payer can select that option in their bank app and paste the code instead of scanning. Do not edit the text manually: a changed character can invalidate the payment or alter its destination. The Banco Central covers Pix payment methods in its FAQ on how to make a Pix.

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Fix common QR Code problems

The QR Code option is missing

  • Confirm that a Pix key is registered in the account.
  • Update the official App BB, sign in again, and look under Pix, payments, or receivables.
  • If you have a business account, check BB Digital PJ or ask your BB relationship manager about the relevant collection feature.
  • Remember that BB Pay and Área do Vendedor can be eligibility-dependent.

The code will not scan

  • Turn up screen brightness and remove glare from glossy or laminated paper.
  • Show the entire code without cropping and hold the camera at a reasonable distance.
  • Try the payer’s gallery-upload option if available, or use Pix Copia e Cola.
  • If a dynamic code looks damaged or its charge is no longer valid, generate a new charge rather than reusing it.

The payment appears to go to the wrong recipient

Stop before confirming if the name, institution, or amount shown in the payer’s app does not match the intended transaction. A displayed code can be replaced or tampered with. Generate codes within BB or a trusted business workflow, and replace printed material if the receiving key or account changes: an old static code may continue pointing to the key encoded when it was created.

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Confirm the payment before delivering

Do not release goods or services solely because a customer shows a payment receipt image. Check the account balance and Pix transaction history directly in the App BB, or use the payment-status view in BB Pay or Verificar Pagamento in Área do Vendedor when applicable.

  • Match the amount, date, and sender details against the sale.
  • Check the transaction status: scheduled, pending, canceled, or failed is not the same as completed.
  • Where available, retain the transaction’s end-to-end ID for follow-up.
  • If the payer says their account was debited but the credit is missing, confirm the destination and code used, then contact BB through official support.

Does Banco do Brasil charge to receive Pix by QR Code?

Do not assume every BB QR Code receipt is free. The applicable treatment depends on customer type, account terms, and whether the money arrives through a QR Code or a Pix key.

  • Individuals: The Banco Central generally says individuals are not charged to send or receive Pix, but permits receiving charges in certain commercial-indicator cases, including more than 30 Pix transactions in a month, dynamic QR Code receipts, or receipts from a business payer.
  • MEI and empresário individual: For this fee rule, the Banco Central says they follow the individual rules. BB’s published PJ tariff table also states that MEI and EI PJ customers are not charged for QR Code Pix receipt.
  • Other PJ customers: BB’s PJ tariff table, published September 23, 2025 and effective October 23, 2025, lists QR Code Pix receipt at 0.99% per event, capped at R$140; receipt through a Pix key is listed at R$0.00. These figures apply to the tariff-table category, not automatically to every BB customer or package.

Check your current account category, service package, and tariff table before choosing a collection method. Sources: the Banco Central’s Pix fee FAQ and BB’s PJ tariff table.

A payer may also encounter a bank-set transaction limit. The Banco Central says there is no minimum amount for a receiver to generate a Pix Cobrança, while institutions can set maximum limits for payers. Its limits FAQ, updated January 2, 2026, says institutions define daytime limits for payments to individuals based on risk and behavior; the standard overnight limit for payments to individuals is R$1,000, subject to the stated adjustment rules. That is a payer-side limit, not a guaranteed cap on what a receiver can accept.

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