BEbelvo
Payment Authorizations (Brazil)

Change a Payment Authorization's beneficiary

Changed on

Change the beneficiary bank account of a Smart Transfers (PIX_OF_SMART_TRANSFERS) Payment Authorization. Charges that you create after the change are paid to the new bank account. The response is the complete, updated Payment Authorization.

You can only edit a Payment Authorization while its status is AUTHORIZED. Otherwise, you receive a 400 error (The Payment Authorization is not authorized. It cannot be edited.). Payment Authorizations with the PIX_OF_IMMEDIATE or PIX_OF_SCHEDULED payment method cannot be edited.

If the holder name of the new bank account is different from the current one, Belvo also updates the authorization at the payer's institution.

{% admonition type="warning" name="Same holder only" %} The new beneficiary bank account must have the same holder (holder.identifier) as the current beneficiary bank account. Otherwise, the request fails with a 500 error (unexpected_error) and the beneficiary is not changed. You also receive a 500 error if the institution does not accept the update. {% /admonition %}

patch/payments/br/payment-authorizations/{payment_authorization_id}/

Request

Path parameters

payment_authorization_idstring uuid required
Example:9fc68b84-f2d6-4142-b2ad-9d2d1ad70432

The payment-authorization.id you want to edit.

Headers

X-Belvo-API-Resource-Version'Payments-BR.V2'
Example:Payments-BR.V2

Header indicating which version of the Payment API you want to use. Currently this is only applicable for Bank Accounts, Customers, and Payment Authorizations in Brazil. In the case that you are using our Payment Authorizations product (including Smart Transfers authorizations and their Charges), then you must send through this header set to Payments-BR.V2.

Request body

Example request

{
  "beneficiary": {
    "type": "BANK_ACCOUNT",
    "target": "2c8e4a1f-7b3d-4e9a-9f6c-0d1e2f3a4b5c"
  }
}

Response

OK - Payment Authorization updated

idstring uuid required

The Belvo ID for the Payment Authorization.

created_atstring date-time required

The ISO-8601 timestamp of when the Payment Authorization was created.

updated_atstring date-time required

The ISO-8601 timestamp of when the Payment Authorization was last updated.

status'AWAITING_AUTHORIZATION' | 'PARTIALLY_ACCEPTED' | 'AUTHORIZED' | 'FAILED' | 'CONSUMED' | 'REVOKED' required

The current status of the Payment Authorization. Can be one of:

  • AWAITING_AUTHORIZATION: the authorization was created and is waiting for your user to approve it at their institution (using the payment_method_configuration.authorization_url).
  • PARTIALLY_ACCEPTED: your user approved the authorization, but the account requires approval from additional account holders before it becomes AUTHORIZED.
  • AUTHORIZED: the authorization was approved. For Smart Transfers, you can now create Charges.
  • FAILED: the authorization was rejected by the user or the institution, or could not be created. See status_reason_code for the reason.
  • CONSUMED: the authorization was fully used and cannot be used for further payments. For Smart Transfers, this happens when the total_allowed_amount is used up, or when the authorization expires. Reaching a periodic_limits cap (day, week, month or year) does not consume the authorization: it only blocks new Charges until that window resets.
  • REVOKED: the authorization was revoked by the payer, by the beneficiary, or by you using the Cancel a Payment Authorization endpoint. See status_reason_code for details.
status_reason_codestring nullable required

A code indicating the reason for the current status, when the status is FAILED or REVOKED. null for other statuses.

For PIX_OF_SMART_TRANSFERS authorizations, the possible codes are:

  • USER_REJECTED: the payer rejected the authorization at their institution.
  • AUTHORIZATION_EXPIRED: the payer did not approve the authorization within the allowed time.
  • BANK_USER_MISMATCH: the user who logged in to the institution is not the payer of the authorization.
  • IDENTIFIER_MISMATCH: the payer's CPF or CNPJ does not match the holder of the account at the institution.
  • FEATURE_NOT_ENABLED_BY_INSTITUTION: the institution does not support Smart Transfers.
  • INSUFFICIENT_PERMISSION: the payer does not have enough permissions on the account to approve the authorization.
  • SAME_ORIGIN_DESTINATION_ACCOUNTS: the payer account and the beneficiary account are the same account.
  • ACCOUNT_NOT_ALLOWED: the payer account does not allow payments.
  • INSUFFICIENT_FUNDS: the institution rejected the authorization because the payer account has insufficient funds.
  • AMOUNT_OVER_LIMIT: the requested limits exceed the limits set by the institution.
  • OPEN_FINANCE_NETWORK_FAILURE: an infrastructure failure in the Open Finance network prevented the authorization.
  • NO_REASON_PROVIDED: the institution rejected or revoked the authorization without giving a reason.
  • REJECTED_UNKNOWN: the institution rejected the authorization for a reason not covered by the other codes.
  • PAYER_REVOKED_AUTHORIZATION: the payer revoked the authorization (status REVOKED).
  • BENEFICIARY_REVOKED_AUTHORIZATION: the beneficiary revoked the authorization (status REVOKED).
  • REVOKED_UNKNOWN: the authorization was revoked for a reason not covered by the other codes (status REVOKED).
  • UNEXPECTED_ERROR: Belvo could not create the authorization at the institution. Contact support with the request ID.
status_reason_messagestring nullable required

A human-readable message explaining the reason for the current status (when applicable).

status_updated_atstring date-time required

The ISO-8601 timestamp of when the status was last updated.

authorized_atstring date-time nullable required

The ISO-8601 timestamp of when the Payment Authorization was authorized by the user.

external_idstring uuid nullable required

The merchant's internal ID for the authorization.

descriptionstring required

An internal description used by the merchant only.

return_urlstring uri required

The URL where the user will be redirected after authorization.

expiration_date_timestring date-time nullable

The ISO-8601 timestamp after which the authorization can no longer be used. null if no expiration date was set.

payment_method'PIX_OF_IMMEDIATE' | 'PIX_OF_SCHEDULED' | 'PIX_OF_SMART_TRANSFERS' required

The payment method that was authorized. Can be one of:

  • PIX_OF_IMMEDIATE: a single Pix payment, made immediately.
  • PIX_OF_SCHEDULED: a single Pix payment, scheduled for a future date.
  • PIX_OF_SMART_TRANSFERS: Smart Transfers, on-demand transfers between accounts held by the same person or business. You create each transfer as a Charge.
chargesstring[] required

A list of Charge IDs associated with the Payment Authorization.

metadataMetadataPayments

Optional and customizable object where you can provide any additional key-value pairs for your internal purposes. For example, an internal reference number for the payment intent.

{% admonition type="info" name="Metadata Limitations" %} You can only provide up to 50 keys (keys can have up to 50 characters each and each value can be up to 500 characters). We do not support nested objects, only ASCII values. {% /admonition %}

Example response

{
  "id": "9fc68b84-f2d6-4142-b2ad-9d2d1ad70432",
  "created_at": "2025-05-20T09:55:02Z",
  "updated_at": "2025-05-20T09:55:02Z",
  "status": "AWAITING_AUTHORIZATION",
  "status_updated_at": "2025-05-20T09:55:02Z",
  "authorized_at": "2025-05-20T09:55:02Z",
  "external_id": "c169a8a9-e9f5-48db-9f4a-818caef9356b",
  "description": "Internal description used by the merchant only",
  "return_url": "https://merchant.com/return",
  "expiration_date_time": "2027-10-31T23:59:59Z",
  "payment_method": "PIX_OF_IMMEDIATE",
  "payer": {
    "customer": "533e7a9b-e6c7-4bd4-be79-3a3c3bd78044",
    "institution": "770932b4-8f1f-4b0f-8470-1c605903fdb2",
    "representative_identifier": "12345678901122",
    "bank_account": {
      "holder": {
        "identifier": "***456789**"
      },
      "details": {
        "account_type": "CHECKINGS",
        "agency": "0001",
        "code": "12345678",
        "number": "***4567"
      }
    }
  },
  "beneficiary": {
    "type": "BANK_ACCOUNT",
    "target": "b6278377-f710-4d1a-a026-7bab757256d0"
  },
  "payment_method_configuration": {
    "amount": "10000.05",
    "statement_description": "Blue Suede Shoes - Premium",
    "authorization_url": "https://auth.belvo.com/authorize?token=abc123def456"
  },
  "charges": [
    "7d159b21-9f25-4365-9fa2-734d20797819"
  ],
  "metadata": {
    "internal_reference_id": "GGq73487w2"
  }
}

Changes