# Digital Account (/en/docs/conta-digital)

Each credential operates a single account: no route takes `accountId`. To operate two accounts, use two credentials.

<QuickLinks>
  <QuickLink href="/docs/conta-digital/getting-started" title="Getting started" />

  <QuickLink href="/docs/conta-digital/authentication" title="Authentication" />

  <QuickLink href="/docs/conta-digital/endpoints" title="API reference" />

  <QuickLink href="/docs/conta-digital/webhooks" title="Webhooks" />

  <QuickLink href="/docs/conta-digital/error-codes" title="Error codes" />

  <QuickLink href="/docs/conta-digital/for-ai" title="For AIs" />
</QuickLinks>

<Mermaid
  chart="`
flowchart LR
  Loja[&#x22;Your application&#x22;] -->|&#x22;credential&#x22;| API[&#x22;Digital Account API&#x22;]
  API --> CB[&#x22;Pix charges&#x22;]
  API --> SQ[&#x22;Withdrawals and Pix copy-and-paste payments&#x22;]
  API --> TR[&#x22;Transfers between accounts&#x22;]
  API --> EX[&#x22;Balance and statement&#x22;]
  API -.->|&#x22;webhooks&#x22;| Loja

  click CB &#x22;/docs/conta-digital/charges&#x22; &#x22;Charges&#x22;
  click SQ &#x22;/docs/conta-digital/withdrawals&#x22; &#x22;Withdrawals&#x22;
  click TR &#x22;/docs/conta-digital/internal-transfers&#x22; &#x22;Transfers&#x22;
  click EX &#x22;/docs/conta-digital/statement&#x22; &#x22;Statement&#x22;

  style API fill:#14ce71,stroke:#0eb464,color:#ffffff
`"
/>

## Where to start [#where-to-start]

| If you want to                  | Start with                                                                                                             |
| ------------------------------- | ---------------------------------------------------------------------------------------------------------------------- |
| **Make the first call**         | [Getting started](/docs/conta-digital/getting-started) → [Authentication](/docs/conta-digital/authentication)          |
| **Receive by Pix**              | [Pix charges](/docs/conta-digital/charges)                                                                             |
| **Pay someone**                 | [Pix withdrawals](/docs/conta-digital/withdrawals) or [Pay a Pix copy-and-paste code](/docs/conta-digital/qr-payments) |
| **Move balance between stores** | [Transfers between accounts](/docs/conta-digital/internal-transfers)                                                   |
| **Reconcile**                   | [Balance, statement and limits](/docs/conta-digital/statement)                                                         |
| **Follow every change**         | [Webhooks](/docs/conta-digital/webhooks)                                                                               |
| **Go straight to the routes**   | [API reference](/docs/conta-digital/endpoints)                                                                         |

## Conventions [#conventions]

| Item        | Rule                                                                                                                                        |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| Base URL    | `https://api.hub.payzu.com.br/api/v1`                                                                                                       |
| Amounts     | Integers, in cents: `1500` is R$ 15.00.                                                                                                     |
| Percentages | In basis points: `150` is 1.5%.                                                                                                             |
| Dates       | ISO 8601 in UTC, such as `2026-10-05T14:32:05.123Z`.                                                                                        |
| Lists       | Paginated by cursor: send the `nextCursor` from the response in the `cursor` parameter of the next call. It does not come on the last page. |
| Errors      | `{ "message", "code", "details" }`. Handle them by `code`; `message` is text for display.                                                   |

## When the balance changes [#when-the-balance-changes]

| Operation                                 | The balance changes                                                                                                     |
| ----------------------------------------- | ----------------------------------------------------------------------------------------------------------------------- |
| Charge                                    | When the customer pays. The `PAYMENT_PAID` webhook arrives.                                                             |
| Withdrawal and Pix copy-and-paste payment | At the time of the request: the amount and the fee leave the available balance. If the operation fails, they come back. |
| Transfer between accounts                 | Right away: the response already carries the result.                                                                    |
| Pix received without a charge             | When the Pix lands in the account. The `DEPOSIT_RECEIVED` webhook arrives.                                              |
| Refund and deposit return                 | At the time of the request: the amount and the fee leave the available balance. If the refund fails, they come back.    |

## What the API does not do [#what-the-api-does-not-do]

* **Boleto and card.** The API does not issue boletos or charge cards. For cards, see the [Cards API](/docs/cartao).
* **Respond to a MED dispute.** The API shows the dispute; the response is given in the dashboard.
* **Create or change a credential.** Done by the account holder, in the dashboard at [hub.payzu.com.br](https://hub.payzu.com.br).

## Help [#help]

<QuickLinks>
  <QuickLink href="https://suporte.payzu.com.br/portal/pt-br/newticket?departmentId=1103699000000006907&layoutId=1103699000000074011" title="Open a ticket" />

  <QuickLink href="/" title="All products" />
</QuickLinks>