Worth mentioning Brazil has new transfer method called Pix that takes mostly 10 seconds to exchange money to another bank account and you only need the other person/company ID or email or phone number or a random key (the account owner choose which ones they want to allow). It came just a few years ago but basically everyone has it now since it's a payment method directly coming from the Central Bank and all banks implemented it by now. It's pretty easy to generate a QR code and bill someone but you can also set it up on your website in a way that you can check when it's paid programatically. Worth mentioning: it's free of costs except if you're a company that want to use the REST API. By the way, they even use GitHub to discuss things and document their API, really nice