LyTex

LyTex: Payment Acceptance And Billing Tools For Merchants

LyTex is a Brazilian payments and billing platform designed for merchants that need to collect one-off or recurring charges and manage receivables in one system. The product set emphasizes local payment rails such as Pix and boleto, plus credit card payments, and it includes operational tooling like customer management, automated reminders, dashboards, and developer integrations.

LyTex Overview For Merchants

LyTex combines payment collection with billing automation features used by service businesses and subscription models. The platform highlights recurring billing, payment links, transparent checkout for ecommerce, and split payments for partner-based models. LyTex publishes indicators including more than 10,000 companies served and more than R$ 300 million processed.

LyTex is presented across segments such as education providers, ISPs, real estate administrators and condominiums, clinics and gyms, professional services, SaaS, and software houses.

Payment Methods Supported

LyTex supports several payment types used in Brazil:

• Pix: Pix collection via keys and QR codes, including “avulso” and “permanente” flows, plus Pix “copia e cola”.
• Boleto: registered boleto issuance for one-off and recurring charges, with options such as installments and “carnê”, and configuration of interest and late fees.
• Credit Cards: credit card payments, including installment options up to 12x.

LyTex also references hybrid flows where Pix is attached to boleto (Pix integrated with “Boleto Turbinado”).

Checkout, Payment Links, And WooCommerce

LyTex offers merchant-facing ways to collect payments without building a custom checkout:

• Payment links for one-off or recurring payments, with link organization, customizable checkout branding, and a personalized URL option.
• WooCommerce plugin for WordPress stores, with Pix and boleto charges, payment inside the merchant’s site, and an automatic cancellation behavior after due date.

Recurring Billing, Subscriptions, And Invoicing

Recurring collections are a central use case:

• Subscription plan creation and management, including editing, cancellation, and status tracking
• Recurring payment configuration for services billed monthly or on other cycles
• Automated collections communications via email, SMS, and WhatsApp, configured around the due date
• Customized invoices, including a payer-facing invoice with the merchant’s logo

For SaaS-oriented billing, LyTex describes automatic issuance of invoices (nota fiscal) tied to the charge lifecycle, with configurable triggers such as issuing at charge creation, after payment, or after due date.

Split Payments And Sub-Accounts

LyTex offers split payments to distribute receivables to multiple beneficiaries based on predefined rules, including handling of commissions or shares. The platform also references sub-accounts (“subcontas”) for multi-entity management and embedded billing flows.

Settlement, Payouts, And Anticipation

LyTex describes different settlement dynamics by method:

• Pix is positioned as instant collection, with immediate transaction updates.
• Boleto is described with “baixa automática” in minutes and repasse of values within 24 hours.
• Cards are described as paid out on an installment schedule (for example, every 31 days per installment), with an optional D+2 anticipation flow subject to approval and an additional fee.

LyTex also states that merchants can transfer funds from the platform to the bank of their choice and register multiple bank accounts for withdrawal requests.

Security, Risk, And Compliance Controls

LyTex states that it follows PCI-DSS security standards and references encryption of customer and partner data, secure transmission and storage of sensitive information, and access controls. LyTex also describes antifraud capabilities using AI mechanisms and a risk and compliance team to analyze purchases and block suspected fraud attempts.

LyTex references onboarding controls including KYC, tokenization, and antifraud, and it publishes an anti-money laundering and counter-terrorism financing policy (PLDFT).

Integrations: API, Webhooks, And App

LyTex positions itself as an API-driven platform and references a REST API plus webhook support for event-driven automation, including one-off and recurring invoices. For merchants that prefer an off-the-shelf integration, the WooCommerce plugin is the primary packaged option mentioned.

LyTex also provides a mobile app intended for document submission for identity confirmation and day-to-day operations such as issuing charges and managing finances.

Pricing Approach And Plans

LyTex publishes plan-based pricing and method-based fees. The plan model includes:

• Essencial: advertised as a free monthly plan with basic issuance, reminders, a basic API, and dashboards.
• Empresarial: advertised as a paid plan with split payments, sub-accounts, unlimited users, and an advanced API with technical support.
• Prime: advertised as a custom plan with negotiated rates, a dedicated account manager, and a priority support SLA.

LyTex publishes fee examples by method, and some pages also show installment-based card pricing tables and a fixed per-transaction component, so card pricing depends on installment structure and the applicable commercial plan or offer. LyTex indicates that enrollment in certain plans requires an active CNPJ.

Operational Tooling: Reporting And Collections Automation

LyTex emphasizes dashboards and a collections workflow with automated reminders by email, SMS, and WhatsApp around due dates. It also highlights KPI-style views and subscription administration tools such as customer records, plan status, and payment history to support routine billing operations in the same platform.

Conclusion

LyTex is a payments and billing platform oriented to recurring collections, payment links, ecommerce checkout, and split payments, with supporting automation such as reminders, dashboards, and API and webhook integration. For merchants operating in Brazil and relying on Pix, boleto, and card payments, LyTex provides tooling to issue charges, automate follow-up, and manage receivables across one-off and subscription models.