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Caratuva is the payment infrastructure that lets Brazilian exporters collect from foreign buyers and settle in BRL — without operating their own treasury, FX desk, or compliance team. You bring the customer relationship and the trade. Caratuva runs the payment, the cross-border transfer, the FX, the regulatory checks, and the BRL payout via PIX.

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Who Caratuva is for

  • Exporters of coffee, sugar, soy, beef, citrus, ethanol, and other Brazilian commodities — selling to buyers in the US, EU, UK, Latin America, and beyond.
  • Importers and trading houses paying Brazilian suppliers in their own currency (USD, EUR, GBP, MXN), without managing a Brazilian bank account.
  • Platforms and ERPs that already issue invoices and want a single API to add cross-border collection on top.

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What you get

Hosted payment links

Send a buyer a link. They sign in by email, complete KYC once, and pay by bank transfer. No wallet, no app to install.

Settled in BRL

We transfer the funds across borders, run FX, and pay out to your registered PIX key in your Brazilian bank account.

Compliance built in

Buyer identity verification, sanctions and source-of-funds screening, FX-rule compliance, and an audit trail per transaction.

Real-time signals

In-product notifications on the dashboard, plus signed outbound webhooks so your ERP stays in lockstep with payment status.

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Three surfaces

Dashboard

dashboard.caratuva.com — your operating cockpit. Onboard your organization, create invoices, approve disbursements, manage payouts, watch settlement.

Payment link

pay.caratuva.com — the page your buyers see. Email sign-in, KYC, FX confirmation, and payment. No account creation, no wallet.

REST API

api.caratuva.com/v1 — one API surface for ERP and platform integrations. OpenAPI 3.0, idempotent writes, signed webhooks.

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Where to start

  • Don’t have an account yet? Sign up — it’s self-service, and you’ll land straight in test mode.
  • First time here? Read the Quickstart — you’ll have your first paid invoice in under ten minutes.
  • Operating from the dashboard? Start with Onboarding and then Invoicing.
  • Embedding Caratuva in your own product? Jump to the B2B integration quickstart.

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Test & live modes

Every account ships with both test and live modes, fully isolated from each other, and new accounts start in test. Test mode runs the full happy path end to end — onboarding, KYC, invoice, payment, webhook delivery — against a sandbox payment instance: KYB and buyer KYC auto-approve and no real money moves. Use it for development, staging, CI, and demos. Test-mode credentials are recognizable by their pk_test_ prefix. Live mode runs on real rails. To go live, request Caratuva-approved production access, switch to Live mode, then complete live KYB on the Payout page. See Test & live modes for the full picture.