Dedicated Team · U.S.

Bringing PIX Across Borders
for a Payments Processor

A U.S. company is a payment processor specializing in cross-border financial solutions. Facing a new market opportunity, the company sought to develop a global payment gateway that could integrate PIX — Brazil's instant payment system — into international transactions. Luby was chosen to co-create this innovation from the ground up, leading architecture, design, and development to deliver a secure, scalable gateway ready for global deployment.

PIX Cross-Border Gateway

Fintech Specialists

Multi-Bank Integrations

Challenge

PIX, cross-border, and compliance at once

The client needed an instant payment gateway for PIX internationally — with real-time bank integrations, secure U.S.–Latin America communication, and high availability for cross-border volume.

Real-time integrations with Brazilian banks and processors
Secure, compliant communication between U.S. and LatAm financial systems
High availability and scalability for cross-border operations
Regulatory and architectural alignment from day one

Solution

Discovery, architecture, and delivery

Luby led discovery, architecture, and development — two squads totaling 15 specialists (architects, full-stack, QA, UX).

Discovery & ideation

Desk research and workshops with stakeholders — journeys, flows, integration needs, regulatory alignment.

Architecture & design

Modular, scalable architecture for multiple banks and providers; security, performance, and BACEN-aligned controls.

Development & implementation

Secure APIs, load balancing, and protocols for high volume with low latency.

Results

Key outcomes

A ready-to-launch global gateway connecting banks and processors to PIX — aligned with business strategy and operational performance.

First PIX cross-border gateway positioning

15 dedicated fintech specialists

Multi-bank integrations and real-time settlements

Production-ready, compliant infrastructure

Security & control

Secret breaker

Dynamic secret rotation for sensitive credentials.

Velocity controls

Detection and mitigation of abnormal transaction behavior.

Logging & monitoring

Full observability across transactions.

Stack

Skills and technologies

Skills

Software ArchitectureFull-Stack DevelopmentAPI EngineeringQA AutomationUX/UI Design

Technologies

Microservices ArchitectureSecure REST APIsLoad BalancingSecret BreakerVelocity ControlsCloud Infrastructure

Testimonial

Luby turned our vision of a cross-border PIX system into a real product. Their combination of fintech expertise, security mindset, and delivery speed made it possible to bring innovation to one of the most complex payment environments in the world.

Leadership team, U.S. payments processor

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