4 innovative flows to collect and pay with Pix

If it’s up to Trio, payment technology fans won’t be disappointed.

Our Product and Engineering team recently launched a new plugin that cuts the time and friction consumers face when paying with Pix, Brazil’s instant payment system.

While building this exclusive interface, we didn’t consider only the collection process (or pay-in). Every step of customer onboarding, data collection, experience improvement and payout (or cash-out) was treated as equally important. The benefits are many:

• Friction for the consumer drops drastically;
• Higher conversion, by offering three ways to pay with Pix;
• Low-code integration through an SDK embedded directly in your code;
• The cost of the solution is built into the price of the Pix service;
• Bank-grade security: zero fraud.

In the next paragraphs, we show how a simple feature can help eliminate fraud risk, even in high-risk operations such as iGaming and gambling, which make up most of the clients using Trio’s technology. To see how it works in practice, follow the flows we developed below, from onboarding to cash-out.

Collection (pay-in)

Collect with Pix while offering the best user experience (UX).

In just 4 steps, Pay with App is completed without leaving the website, which cuts payment time by up to 70% and reduces cart abandonment. The new feature also significantly increases security, because it establishes a direct connection between the banks (the payer’s and the payee’s) through Open Finance via the Central Bank of Brazil.

Pay with App is an evolution of Trio Checkout, a tool that lets you set up Pix collection simply and with end-to-end traceability. By plugging this SDK into your website’s payment checkout, you can offer your customers both Payment Initiation (Open Banking / Open Finance) and the standard Pix payment process.

Here’s how it works:

1- When the consumer goes to pay, they are directed to Trio’s exclusive payment screen;

2- If the consumer chooses Open Finance, three more steps connect to their bank app and complete the purchase, without leaving the seller’s website. They are:

a) choosing the bank;

b) accepting the payment (confirming the Open Finance Terms of Use);

c) confirming in the bank app

User onboarding

Onboarding through payment data: verified and faster.

The user onboarding flow is recommended when you want to convert the purchase but are dealing with a new customer. It’s the ideal option for e-commerce or betting sites that don’t want to lose the “punch” of the ad by putting too many hurdles before payment, for example, asking for a phone number or ZIP code (CEP) to buy a digital product, as happens when paying by credit card.

This option is available whenever you onboard a user by offering the payment first, so the customer can complete the data entry process afterward, with details such as full address, ZIP code, date of birth, phone number, etc.

Here’s how it works:

1- The consumer enters their CPF (individual taxpayer ID) and the purchase amount (not tied to the product);

2- The consumer is directed to Trio’s exclusive payment screen, with 3 options to complete the Pix;

3- If the consumer chooses Open Finance, three more steps connect to their bank app and complete the purchase, without leaving the seller’s website.

Guest onboarding

Offer payment first, and let Trio’s technology fill in the customer’s data.

Now get ready, because this is big news.

The guest onboarding flow is recommended when you have no data at all about your customer but want to convert the purchase or bet while creating a basic profile for that customer. With the security of Pix, you can now cut all of those steps and still keep the purchase 100% secure.

This option is available whenever you want to onboard a user through the payment, but in this option the consumer is not asked to enter their tax ID, or CPF.

Here’s how it works:

1- The consumer chooses the amount to top up their new account, which is created next, getting ready to pay for the product with Pix;

2- The consumer is directed to Trio’s exclusive payment screen;

3- At the moment of payment, Trio retrieves the Pix payer’s data (CPF) and delivers it only to the client company;

4- If the consumer chooses Open Finance, three more steps connect to their bank app and complete the purchase, without leaving the seller’s website.

Payout

A technology layer to guarantee fraud-free withdrawals.

Developed especially for betting sites, Trio’s Cashout offers unique security mechanisms that add credibility to our clients’ brands. The result is a significant improvement in the sites’ reputation, as they take an average of 6 seconds to complete the payment, with every anti-fraud check already done.

How it works:

1. On the same screen, the player chooses the amount they want to withdraw and confirms their CPF;
2. Trio works behind the scenes with anti-fraud and double identity confirmation;
3. If everything checks out with the request, the transaction confirmation screen opens so it can be completed.

Customization

Your brand, your look. With the best technology.

Last but not least, a bonus! You can have every flow inside your Pix payment checkout as a white-label product: have your brand deliver reliable payments with an integration as simple as a plugin. Example:

If your goal is to improve the way your customers pay, from their first contact with the payment checkout to everyday use of the system, you’ve found the right partner. Talk to our specialists and come join Trio!