Bringing PIX Across Borders with Online IPS
Online IPS is an American 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.
The Challenge
Online IPS wanted to create an instant payment gateway capable of handling PIX transactions internationally — allowing users outside Brazil to send and receive payments through the Brazilian instant system.
The challenge was not only technical, but also regulatory and architectural, as the solution required:
- Real-time integrations with Brazilian banks
- Secure communication between U.S. and Latin American financial systems
- High availability and scalability for cross-border operations
Luby's mission was to transform the initial concept into a production-ready financial product.
Our Approach
Luby's work began from scratch — leading the entire creation process through three key phases: Discovery, Architecture, and Development.
Discovery & Ideation
Luby conducted Desk Research and Discovery Workshops with Online IPS stakeholders to map user journeys, define system flows, and identify integration needs. This phase ensured regulatory alignment and technical feasibility from the start.
Architecture & Design
We designed a highly modular and scalable architecture, capable of connecting multiple banks and payment providers simultaneously. Special focus was given to security, performance, and resilience, ensuring compliance with Brazilian Central Bank standards and international data protection regulations.
Development & Implementation
Luby assembled two dedicated squads totaling 15 specialists, including software architects, full-stack developers, QA engineers, and UX designers. We implemented secure APIs, load balancing, and integration protocols to manage high transaction volumes while maintaining low latency.
Security & Control
To ensure security and reliability in the gateway's financial operations, Luby implemented a layered control strategy, including:
Secret Breaker
A dynamic secret rotation system to protect sensitive credentials
Velocity Controls
Mechanisms to detect and mitigate abnormal transaction behavior
Advanced Logging & Monitoring
Providing full observability across all transactions
This approach guarantees both compliance and resilience — key factors for international payment systems.
Outcomes
The collaboration resulted in a ready-to-launch global gateway, capable of connecting multiple banks and processors to PIX, providing Online IPS with a unique competitive edge in the international remittance market.
Luby's multidisciplinary team ensured that the platform's architecture, UX, and integrations were aligned with both business strategy and operational performance.
Results
Key Achievements:
First PIX Cross-Border Gateway
Creation of the first PIX gateway designed for cross-border use
15 Fintech Specialists
Dedicated team for design, engineering, and QA
Multi-Bank Integrations
Real-time settlements with multiple banking partners
Production-Ready Platform
Scalable, secure, and compliant infrastructure
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.
Online IPS Leadership Team