Subaccount per client

Automatic split

Custom fee per client

Multi-chain

XGate subaccounts with automatic split on every Pix transaction

Does your company provide services or Pix API to other businesses? Create an exclusive subaccount for each of your clients, set the fee you charge them and receive an automatic split on every transaction processed by XGate. No spreadsheet, no manual reconciliation, no workaround.

Dynamic QR Code

Pix

R$ 4.500,00

Awaiting payment ⬢ 04:58

Pix Copy and Paste

00020126580014BR.GOV.BCB.PIX0136a3f5e1c2-7b4d-4e8f-9c1a-5f6e8d3b2a4f5204000053039865406450.005802BR5919XGate PAGAMENTOS6011SAO PAULO62070503***6304A1B2

XGate Subaccounts with Split

Your platform creates an exclusive subaccount for each client, sets the fee you charge them and receives an automatic split on every Pix transaction processed — your fee goes to your master account and the end customer keeps the rest in their subaccount. Isolated balances, instant transfer, no manual reconciliation.

You set

Fee per client
Exclusive subaccount

You receive

Automatic split
On every Pix

Exclusive subaccount per client + automatic split on every Pix transaction

Subaccounts

An exclusive subaccount for each of your clients

Your platform creates a subaccount inside XGate for each client, with an individual balance, its own tax ID and an exclusive Pix key. Each of your clients is isolated from the others — nothing mixes, reconciliation is automatic, full control via dashboard or API.

Flow:

01 Your platform creates a subaccount via API for each new client
02 Subaccount gets its own Pix key, isolated balance, client tax ID
03 Your client's customer pays via Pix straight to their subaccount
04 Balance lands in the right subaccount in ~200ms, no manual reconciliation
05 Webhook notifies your platform in real time of every inflow

Subaccount created Client XYZ Ltd

Ready

Fee configured You set

2.5%

Pix received Client subaccount

R$ 1,000

Split applied You + client

R$ 25 + R$ 975

Automatic Split

Automatic split on every Pix — you set the fee

You configure the fee you charge each client (flat, percentage, volume tier — however you want). On every Pix received in the client's subaccount, XGate applies the split instantly: your fee lands in your master account, the end customer keeps the rest. No spreadsheet, no manual transfer, no end of month.

Flow:

01 You define the split rule per client (percentage, flat or tier)
02 Your client's customer pays via Pix in the subaccount
03 XGate applies the automatic split in ~200ms
04 Your fee lands in the master account, the rest in the client subaccount
05 Webhook notifies your platform — balances updated in real time

Split in ~200ms

Isolated balances

Custom fee per client

No manual reconciliation

Full Control

You in control: dashboard, API and real-time webhooks

You track everything in real time: subaccount balances, transactions, applied splits, configured fees. All via the XGate dashboard (for you to operate) or via REST API (for your platform to consume). Webhooks notify your platform of every movement.

When you use XGate subaccounts:

Each client gets an exclusive subaccount — balances never mix
You freely set each client's fee (flat, %, tier)
Split applied in real time on every Pix — no end-of-month closing
Automatic reconciliation + webhook per subaccount (audit-ready)

Everything in real time Dashboard · API · Webhook

Subaccount created

Each of your clients gets an exclusive subaccount

Fee configured

You freely set the fee you charge each client

Split applied

On every Pix, your fee lands automatically in the master account

Integration

REST API ready for your platform to plug in

Your platform creates, manages and moves subaccounts via REST API: subaccount creation, split configuration, balance lookups, transactions and event webhooks. Full documentation, sandbox to test and integration support.

If you prefer to operate from the dashboard, everything is there too: list of subaccounts per client, configured fee, transaction history, applied splits and financial report export — ready for accounting and audit.

Client onboarded on platform Onboarding

Create subaccount via API Setup

Configure split fee Config

Pix received in subaccount Payin

Automatic split applied Split

Balances updated + webhook Realtime

Who it's for

Built for platforms that serve other businesses

SaaS, gateways, marketplaces, ERPs, billing platforms, B2B infrastructure — any company providing Pix (or Pix API) to other businesses that needs to create an exclusive subaccount per client, set a custom fee per client and receive an automatic split on every transaction processed.

SaaS and B2B platforms

Software that charges clients via Pix and wants to receive its fee automatically on every transaction, without invoicing separately.

Gateways and PSPs

Companies that resell Pix API to other businesses and need a white-label subaccount + split infrastructure.

Multi-vendor marketplaces

Platforms where multiple sellers get paid — each in their own subaccount, with the marketplace fee deducted on the spot.

Vertical ERPs and platforms

Systems for a specific sector (healthcare, education, legal, real estate) that bill end clients and want their fee automatically.

Billing / invoice platforms

Companies offering Pix billing to third parties (associations, clubs, service providers) charging a fee per invoice/transaction.

White-label financial infrastructure

Fintechs and BaaS that need to offer subaccounts + split as their own product to their clients, all under their own brand.

Ready to create subaccounts and receive automatic split on every Pix?

Exclusive subaccount per client, custom fee per client and automatic split in real time on every Pix transaction — no manual reconciliation, no end-of-month spreadsheet, no delayed transfer. Your platform earns on every transaction processed.

Talk to our team