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This guide walks through the fastest path to settling your first cross-border payment. We’ll use the dashboard end to end. If you’re integrating Caratuva into your own ERP or platform, see the B2B integration quickstart instead.

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What you’ll need

  • A working email address you control (used for sign-in and approvals).
  • Your organization’s legal documents (CNPJ, articles of incorporation, beneficial owners) — the onboarding guide lists exactly what we ask for.
  • A Brazilian bank account in your organization’s name and the PIX key registered to it.
  • A buyer to invoice (a real one, or a colleague’s email if you’re testing).

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1. Create your account

Visit dashboard.caratuva.com and enter your work email. We send a magic-link sign-in — no password to manage. Click the link and you’re in. The first user in an organization is automatically an admin. (Inviting additional teammates isn’t yet self-service in the dashboard — contact support if you need more users.)

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2. Onboard your organization (KYB)

Before you can collect a real payment, your organization needs to clear Know-Your-Business verification. From the dashboard, go to the Payout page and work through its steps: first accept our settlement partner’s terms of service (Step 1), then verify your business (Step 2, KYB) by submitting:
  • Legal name, CNPJ, country of incorporation, address.
  • Beneficial owners (anyone with 25%+ control).
  • Proof of incorporation and ID for each owner.
Most submissions clear within a few hours; the status updates live on the Payout page. See Onboarding for the full checklist. Meanwhile you’re already in test mode — run the entire flow end-to-end with no real money (KYB auto-approves in test). See Test & live modes. To collect real (live) payments you additionally submit a Production Access Request on the Enable production page and wait for Caratuva to approve it; only then can you switch to Live and complete live KYB.

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3. Configure your payout destination

On the Payout page (Step 3), register a single PIX key for your Brazilian bank account — our settlement partner auto-detects the type (CPF/CNPJ, email, phone, or random). It must be in the same legal name as the verified organization. Details: Payouts.

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4. Create your first invoice

Go to Invoices and click New, then fill in:
  • Buyer — name, email, country.
  • Amount and currency — what your buyer pays you (USD, EUR, or BRL).
  • Description and line items — rendered on the buyer’s payment page.
  • Due date — optional; the link expires if unpaid by then.
Save as draft, review, then click Submit for approval. If your organization sets an approval threshold, invoices at or above it need a second teammate to approve before the buyer can be invited — you can’t approve your own. Smaller invoices (or any invoice if no threshold is set) you can approve yourself. Details: Invoicing. After approval, click Invite buyer. We email the buyer a link to a hosted payment page on pay.caratuva.com. You can also copy the link and send it via your own channel — your CRM, your ERP, WhatsApp, whatever you use. The buyer never has to install anything or create an account. They:
  1. Enter their email; click the magic-link sign-in.
  2. Complete KYC if it’s their first payment with you (or any Caratuva seller).
  3. Confirm the locked FX quote.
  4. Pay by bank transfer (ACH, wire, or SEPA), following the transfer instructions shown.
Details: Payment links.

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6. Watch settlement

The invoice’s timeline on the dashboard updates live as the payment moves through buyer KYC, fund collection, cross-border transfer, and finally the BRL payout to your PIX key. Each transition also fires a signed webhook to any URL you’ve registered, so your ERP can mirror the state in real time. See Notifications. The whole flow — buyer click to BRL in your account — typically completes the same day.

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Next steps