@12-apps/payments-frontend 3.39.0 → 3.40.0

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@12-apps/payments-frontend",
-  "version": "3.39.0",
+  "version": "3.40.0",
   "type": "module",
   "sideEffects": false,
   "description": "Browser half of the vendor-agnostic payments platform: plug-and-play MUI components for the per-provider settings page (credential form from each provider's schema, masked hints, verify/enable) and the checkout page (PIX QR + polling, card tokenization, hosted-checkout redirect), plus the headless hooks and fetch clients they build on. Talks only to the host's payments HTTP surface — never to a provider directly. Microfrontend-ready: no app coupling, host injects theme and auth.",

package/src/components/checkout/list/bank-apps.ts

@@ -0,0 +1,113 @@
+/**
+ * Opening the buyer's bank app from the Pix face (FUT-3612).
+ *
+ * There is no standard Pix link that pays a copia-e-cola code, so this only
+ * OPENS the app; the buyer pastes the code the button already copied. Android
+ * opens an app through an `intent:` URL naming its package; iOS only through a
+ * URL scheme the bank's app registers. Neither tells the page whether it
+ * worked, so {@link openBankApp} watches the page: an app that opened takes
+ * the screen within a moment, and a page still visible after
+ * {@link OPEN_WAIT_MS} is a bank that did not open — not installed, or a link
+ * this phone does not know.
+ */
+import type { PixBankId } from "./types";
+
+/** How long a page may stay visible before the bank counts as not opened. */
+const OPEN_WAIT_MS = 1500;
+
+interface BankApp {
+  /** The Play Store package of the bank's personal app — each one checked on its Play listing (2026-10-16). */
+  android: string;
+  /**
+   * The URL scheme its app answers on iOS (without "://"). Only Nubank's
+   * (`nuapp`) is documented — in Nubank's own deep links. The other five
+   * publish no scheme we could find: theirs are the likeliest name, and a
+   * phone that does not know one is a bank that "did not open", which the face
+   * says (owner, 2026-10-16: Android and iOS, and say so when it does not open).
+   */
+  ios: string;
+  /** A scheme Android opens the app with, when one is known; else the app's launcher, by package. */
+  scheme?: string;
+}
+
+/** The six, in the prototype's order. */
+export const PIX_BANKS: readonly PixBankId[] = ["nubank", "itau", "bradesco", "bb", "caixa", "santander"];
+
+const APPS: Record<PixBankId, BankApp> = {
+  nubank: { android: "com.nu.production", ios: "nuapp", scheme: "nuapp" },
+  itau: { android: "com.itau", ios: "itau" },
+  bradesco: { android: "com.bradesco", ios: "bradesco" },
+  bb: { android: "br.com.bb.android", ios: "bbapp" },
+  caixa: { android: "br.gov.caixa.CAIXA", ios: "caixa" },
+  santander: { android: "com.santander.app", ios: "santanderpf" },
+};
+
+export type PhoneOs = "android" | "ios";
+
+/** The phone this page runs on, or `null` for a computer (or no browser at all). */
+export function phoneOs(nav: Pick<Navigator, "userAgent" | "maxTouchPoints"> | undefined = typeof navigator === "undefined" ? undefined : navigator): PhoneOs | null {
+  if (!nav) return null;
+  const ua = nav.userAgent;
+  if (/Android/i.test(ua)) return "android";
+  if (/iPhone|iPad|iPod/i.test(ua)) return "ios";
+  // iPadOS asks for the desktop site: a "Macintosh" with a touch screen.
+  if (/Macintosh/i.test(ua) && nav.maxTouchPoints > 1) return "ios";
+  return null;
+}
+
+/**
+ * The phone the host's bank flow runs on: its own word when it gave one
+ * (`phone`), else the browser's. `null` ⇒ a computer: no banks.
+ */
+export function bankFlowOs(phone: boolean | undefined): PhoneOs | null {
+  if (phone === false) return null;
+  if (phone === true) return phoneOs() ?? "android";
+  return phoneOs();
+}
+
+/**
+ * The URL that opens `bank`'s app on `os`. Android: an `intent:` URL naming the
+ * package — through the app's scheme when one is known, else its launcher; a
+ * phone without the app gets the bank's Play Store page from the browser.
+ */
+export function bankAppUrl(bank: PixBankId, os: PhoneOs): string {
+  const app = APPS[bank];
+  if (os === "ios") return `${app.ios}://`;
+  if (app.scheme) return `intent://#Intent;scheme=${app.scheme};package=${app.android};end`;
+  return `intent:#Intent;action=android.intent.action.MAIN;category=android.intent.category.LAUNCHER;package=${app.android};end`;
+}
+
+/**
+ * Open `bank`'s app, and say whether it opened: `true` when the page lost the
+ * screen (hidden, or left) within {@link OPEN_WAIT_MS}.
+ */
+export function openBankApp(
+  bank: PixBankId,
+  os: PhoneOs,
+  env: { win: Window; doc: Document; waitMs?: number } = { win: window, doc: document },
+): Promise<boolean> {
+  const { win, doc } = env;
+  return new Promise((resolve) => {
+    let left = false;
+    const onVisibility = (): void => {
+      if (doc.visibilityState === "hidden") left = true;
+    };
+    const onLeave = (): void => {
+      left = true;
+    };
+    doc.addEventListener("visibilitychange", onVisibility);
+    win.addEventListener("pagehide", onLeave);
+    win.addEventListener("blur", onLeave);
+    win.setTimeout(() => {
+      doc.removeEventListener("visibilitychange", onVisibility);
+      win.removeEventListener("pagehide", onLeave);
+      win.removeEventListener("blur", onLeave);
+      resolve(left);
+    }, env.waitMs ?? OPEN_WAIT_MS);
+    try {
+      win.location.href = bankAppUrl(bank, os);
+    } catch {
+      // A scheme the browser refuses outright is a bank that did not open.
+    }
+  });
+}

package/src/components/checkout/list/bank-en-US.ts

@@ -0,0 +1,26 @@
+import type { PixBankCopy } from "./types";
+
+/** The Pix-to-bank flow's words, en-US (FUT-3612). */
+export const EN_US_PIX_BANK_COPY: PixBankCopy = {
+  names: {
+    nubank: { name: "Nubank", the: "" },
+    itau: { name: "Itaú", the: "" },
+    bradesco: { name: "Bradesco", the: "" },
+    bb: { name: "Banco do Brasil", the: "" },
+    caixa: { name: "Caixa", the: "" },
+    santander: { name: "Santander", the: "" },
+  },
+  generateAndCopy: "Create and copy the Pix",
+  generateCopyAndOpen: (bank) => `Create, copy and open ${bank.name}`,
+  copyAndOpen: (bank) => `Copy and open ${bank.name}`,
+  openOther: "Open another bank",
+  listTitle: "Open your bank and paste in Pix copia e cola",
+  open: (bank) => `Open ${bank.name}`,
+  opening: (bank) => `Opening **${bank.name}**…`,
+  other: "Another bank",
+  notOpened: (bank) => `We couldn't open ${bank.name}. Is the app installed on this phone?`,
+  retry: "Try again",
+  copied: "Pix code copied",
+  copiedPick: "Pix code copied. Choose your bank.",
+  copiedOpening: (bank) => `Pix code copied. Opening ${bank.name}…`,
+};

package/src/components/checkout/list/bank-logos.tsx

@@ -0,0 +1,35 @@
+import { Box } from "@mui/material";
+import type { JSX } from "react";
+
+import type { PixBankId } from "./types";
+
+/**
+ * The six banks' own marks (FUT-3612, owner 2026-10-15: "coloca as logos dos
+ * bancos"), drawn at 32px beside each name so a buyer finds their bank by its
+ * mark. Inline as data URIs — no remote asset (ADR 0074's sibling rule, §5.1
+ * item 5) — and only to identify the bank. Sources: Nubank and Itaú from
+ * Wikimedia Commons (PD-textlogo, trademarked); Bradesco, Banco do Brasil,
+ * Caixa and Santander from the Bancos-em-SVG collection (the banks' symbols).
+ * Each is the bank's trademark.
+ */
+const LOGOS: Record<PixBankId, string> = {
+  nubank: "data:image/svg+xml;base64,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+  bradesco: "data:image/svg+xml;base64,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",
+  bb: "data:image/svg+xml;base64,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",
+  caixa: "data:image/svg+xml;base64,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",
+  santander: "data:image/svg+xml;base64,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",
+};
+
+export function BankLogo({ bank }: { bank: PixBankId }): JSX.Element {
+  return (
+    <Box
+      component="img"
+      src={LOGOS[bank]}
+      alt=""
+      aria-hidden="true"
+      data-bank={bank}
+      sx={{ width: 32, height: 32, flex: "none", objectFit: "contain", borderRadius: 1 }}
+    />
+  );
+}

package/src/components/checkout/list/bank-pt-BR.ts

@@ -0,0 +1,26 @@
+import type { PixBankCopy } from "./types";
+
+/** The Pix-to-bank flow's words, pt-BR (FUT-3612). */
+export const PT_BR_PIX_BANK_COPY: PixBankCopy = {
+  names: {
+    nubank: { name: "Nubank", the: "o " },
+    itau: { name: "Itaú", the: "o " },
+    bradesco: { name: "Bradesco", the: "o " },
+    bb: { name: "Banco do Brasil", the: "o " },
+    caixa: { name: "Caixa", the: "a " },
+    santander: { name: "Santander", the: "o " },
+  },
+  generateAndCopy: "Gerar e copiar o Pix",
+  generateCopyAndOpen: (bank) => `Gerar, copiar e abrir ${bank.the}${bank.name}`,
+  copyAndOpen: (bank) => `Copiar e abrir ${bank.the}${bank.name}`,
+  openOther: "Abrir outro banco",
+  listTitle: "Abra seu banco e cole em Pix copia e cola",
+  open: (bank) => `Abrir ${bank.name}`,
+  opening: (bank) => `Abrindo ${bank.the}**${bank.name}**…`,
+  other: "Outro banco",
+  notOpened: (bank) => `Não conseguimos abrir ${bank.the}${bank.name}. O app está instalado neste celular?`,
+  retry: "Tentar de novo",
+  copied: "Código Pix copiado",
+  copiedPick: "Código Pix copiado. Escolha o banco.",
+  copiedOpening: (bank) => `Código Pix copiado. Abrindo ${bank.the}${bank.name}…`,
+};

package/src/components/checkout/list/choice.ts

@@ -84,9 +84,11 @@ export function lastUsedCard(saved: readonly SavedCard[]): SavedCard | undefined
 /**
  * What is chosen before the buyer touches anything (M7, owner 2026-10-15): a
  * saved card makes "Cartão de crédito" the choice with that card selected —
- * the one used last ({@link lastUsedCard}). Nothing else is ever
- * preselected: never Pix, never a door tender (FUT-1478), and not a store's
- * only method either (that pick used to raise an order with no tap at all).
+ * the one used last ({@link lastUsedCard}). The buyer's LAST online method
+ * (`lastMethod`, FUT-3611) wins when the store offers it: Pix as Pix, since
+ * choosing creates nothing any more. Never a door tender (FUT-1478), and not
+ * a store's only method by itself either (that pick used to raise an order
+ * with no tap at all).
  *
  * A buyer back here because a card was REFUSED (`fresh`) keeps the card
  * chosen, with no saved card selected for them — the one this would pick is
@@ -96,7 +98,10 @@ export function preselection(
   rows: readonly OnlineRow[],
   saved: readonly SavedCard[],
   fresh: boolean,
+  lastMethod: "PIX" | "CARD" | null = null,
 ): { choice: CheckoutListChoice; selection: string | null } | null {
+  const pixOffered = rows.some((row) => row.method === "PIX" && !row.disabled);
+  if (lastMethod === "PIX" && pixOffered && !fresh) return { choice: { kind: "online", method: "PIX" }, selection: null };
   const card = rows.find((row) => row.method === "CARD" && !row.disabled);
   if (!card) return null;
   if (fresh) return { choice: { kind: "online", method: "CARD" }, selection: saved.length > 0 ? null : NEW_CARD };

package/src/components/checkout/list/context.tsx

@@ -1,6 +1,19 @@
-import { createContext, useContext, useMemo, useState, type JSX, type ReactNode } from "react";
+import { createContext, useContext, useMemo, useRef, useState, type JSX, type MutableRefObject, type ReactNode } from "react";
 
-import type { CheckoutPaymentList } from "./types";
+import type { DeferredCopy } from "../pix-parts";
+
+import type { CheckoutPaymentList, PixBankId } from "./types";
+
+/**
+ * What the bar's Pix press asked of the code it is raising (FUT-3612): copy it
+ * the moment it arrives (the clipboard was opened inside the tap), then open
+ * `bank` — or show the six banks when `pick`. Consumed once by the Pix face.
+ */
+export interface PixIntent {
+  copy: DeferredCopy;
+  bank: PixBankId | null;
+  pick: boolean;
+}
 
 /**
  * What the one list shares with the panes it mounts (FUT-3591/3592): its
@@ -23,6 +36,15 @@ export interface PaymentListMode {
    * default — because the list skips that step.
    */
   consent: ListConsent;
+  /** The Pix press's intent, waiting for its code — see {@link PixIntent}. */
+  pixIntent: MutableRefObject<PixIntent | null>;
+  /**
+   * The armed charge (`armedCharge`) for this step: when it was armed and
+   * whether it was spent. Held HERE, above the faces, so a list face that
+   * remounts (after a Pix, "Prefere pagar com cartão?") can never fire it
+   * again — the 1-tap tap consented to ONE charge, right away.
+   */
+  armed: MutableRefObject<{ since: number; spent: boolean }>;
 }
 
 export interface ListConsent {
@@ -45,7 +67,9 @@ export function PaymentListProvider({
   children: ReactNode;
 }): JSX.Element {
   const [qrOpen, setQrOpen] = useState(false);
-  const value = useMemo(() => ({ list, qrOpen, setQrOpen, onLeavePix, consent }), [list, qrOpen, onLeavePix, consent]);
+  const pixIntent = useRef<PixIntent | null>(null);
+  const armed = useRef({ since: Date.now(), spent: false });
+  const value = useMemo(() => ({ list, qrOpen, setQrOpen, onLeavePix, consent, pixIntent, armed }), [list, qrOpen, onLeavePix, consent]);
   return <PaymentListContext.Provider value={value}>{children}</PaymentListContext.Provider>;
 }
 

package/src/components/checkout/list/list-face.tsx

@@ -10,7 +10,11 @@ import type { BuyerContact, CheckoutProviderConfig } from "../types";
 import type { useCheckoutController } from "../use-checkout-controller";
 import { useCheckoutComponents } from "../ui";
 
+
 import { actionLabel, blockedReason, cardName } from "./choice";
+import { usePaymentListMode, type PaymentListMode } from "./context";
+import { armPixCopy, armedReady, otherBankShown, pixBankLabel, useArmedCharge, useDropRefusedCopy } from "./list-memory";
+import { OtherBankLink } from "./list-pix";
 import { ChoiceList } from "./choice-list";
 import { CardRun, WalletRun, type ListChargeFailure } from "./charge-runners";
 import { ActionButton, ChargeBar, GooglePayAction, ListBar } from "./list-bar";
@@ -75,9 +79,10 @@ function onlineTotal(props: ListFaceProps): string {
 }
 
 /** An online choice's press: the card goes through the bar, Pix and the hand-off raise at once. */
-function actOnline(props: ListFaceProps, method: CheckoutOnlineChoice): void {
+function actOnline(props: ListFaceProps, method: CheckoutOnlineChoice, mode: PaymentListMode | null, pick = false): void {
   const { c, charge, cap } = props;
   saveAsked(props);
+  if (method === "PIX" && mode) armPixCopy(props.list, mode, pick);
   if (method === "CARD") return charge.start("CARD", onlineTotal(props));
   const raised = method === "PIX" ? "PIX" : handOffMethod(cap.offered);
   if (method === "HAND_OFF") props.onHandOff();
@@ -90,13 +95,14 @@ function actOnline(props: ListFaceProps, method: CheckoutOnlineChoice): void {
  * or a charge. A door option hands the press to the host; the card counts five
  * seconds first; everything else raises at once.
  */
-function useAct(props: ListFaceProps, clearFailure: () => void): () => void {
-  return () => {
+function useAct(props: ListFaceProps, clearFailure: () => void): (pick?: boolean) => void {
+  const mode = usePaymentListMode();
+  return (pick = false) => {
     const { choice } = props.state;
     if (!choice || inFlight(props)) return;
     if (choice.kind === "door") return chosenDoor(props)?.onSend();
     clearFailure();
-    actOnline(props, choice.method);
+    actOnline(props, choice.method, mode, pick);
   };
 }
 
@@ -176,7 +182,7 @@ function buttonFacts(props: ListFaceProps): { label: string; total: string; busy
   const door = chosenDoor(props);
   const online = state.choice?.kind === "online";
   return {
-    label: list.hold ? list.hold.action : actionLabel(list.copy, state.choice, door, props.provider),
+    label: list.hold ? list.hold.action : pixBankLabel(list, state) ?? actionLabel(list.copy, state.choice, door, props.provider),
     total: door ? (door.totalLabel ?? props.total) : online ? onlineTotal(props) : props.total,
     busy: inFlight(props),
   };
@@ -198,27 +204,58 @@ function googlePayLive(props: ListFaceProps, reason: string | null, busy: boolea
   return choice?.kind === "online" && choice.method === "GOOGLE_PAY" && props.cap.googlePay !== null && reason === null && !busy;
 }
 
+/** The 5-second bar (or the charge going out), and the host's footer while it counts. */
+function ChargingBar({ props, onCancel }: { props: ListFaceProps; onCancel: () => void }): JSX.Element {
+  const { charge, list } = props;
+  const counting = charge.phase === "counting";
+  const footer = counting ? list.chargeFooter?.(charge.cancel) : null;
+  return (
+    <>
+      <ChargeBar text={chargingText(props)} full={!counting} cancelLabel={list.copy.cancel} onCancel={onCancel} />
+      {footer ? <Box data-testid="list-charge-footer">{footer}</Box> : null}
+    </>
+  );
+}
+
+/** The button, and "Abrir outro banco" under it when a remembered bank would open. */
+function PressButton({ props, act, reason, returnFocus }: {
+  props: ListFaceProps;
+  act: (pick?: boolean) => void;
+  reason: string | null;
+  returnFocus: boolean;
+}): JSX.Element {
+  const { list, state } = props;
+  const { label, total, busy } = buttonFacts(props);
+  const other = list.pixBank && otherBankShown(list, state, reason === null && !busy) ? list.pixBank.copy.openOther : null;
+  return (
+    <>
+      <ActionButton label={label} total={total} disabled={reason !== null || busy} loading={busy} onClick={() => act()} focusOnMount={returnFocus} />
+      {other ? <OtherBankLink label={other} onClick={() => act(true)} /> : null}
+    </>
+  );
+}
+
 /** The button, the 5-second bar, Google's own button, or nothing for a charge nobody can confirm yet. */
 function BarAction({ props, failure, act, onGooglePay, onCancel, reason, returnFocus }: {
   props: ListFaceProps;
   failure: ListChargeFailure | null;
-  act: () => void;
+  act: (pick?: boolean) => void;
   onGooglePay: () => void;
   onCancel: () => void;
   reason: string | null;
   returnFocus: boolean;
 }): JSX.Element | null {
-  const { charge, list, cap } = props;
-  if (cardCharging(charge)) {
-    return <ChargeBar text={chargingText(props)} full={charge.phase !== "counting"} cancelLabel={list.copy.cancel} onCancel={onCancel} />;
-  }
+  const { charge, cap } = props;
+  if (cardCharging(charge)) return <ChargingBar props={props} onCancel={onCancel} />;
   // An UNRESOLVED charge may be holding the buyer's money: no pay control at
   // all under "não pague de novo" (FUT-563), as the card pane does today.
   if (failure?.code === UNRESOLVED_CODE) return null;
-  const { label, total, busy } = buttonFacts(props);
-  if (googlePayUnpriced(props)) return <ActionButton label={label} total={total} disabled loading={false} onClick={act} />;
-  if (googlePayLive(props, reason, busy) && cap.googlePay) return <GooglePayAction client={cap.googlePay.client} onPress={onGooglePay} />;
-  return <ActionButton label={label} total={total} disabled={reason !== null || busy} loading={busy} onClick={act} focusOnMount={returnFocus} />;
+  if (googlePayUnpriced(props)) {
+    const { label, total } = buttonFacts(props);
+    return <ActionButton label={label} total={total} disabled loading={false} onClick={() => act()} />;
+  }
+  if (googlePayLive(props, reason, inFlight(props)) && cap.googlePay) return <GooglePayAction client={cap.googlePay.client} onPress={onGooglePay} />;
+  return <PressButton props={props} act={act} reason={reason} returnFocus={returnFocus} />;
 }
 
 /** The charge under way, once there is an order to run it against. */
@@ -318,6 +355,9 @@ export function ListFace(props: ListFaceProps): JSX.Element {
   const door = chosenDoor(props);
   const reason = reasonOf(props, door);
   useChargeGuard(props, reason);
+  const free = reason === null && props.charge.phase === "idle" && !c.creating;
+  useArmedCharge(armedReady(list, state, free), act);
+  useDropRefusedCopy(c.createError);
   const { returnFocus, onCancel } = useCancelWithFocus(charge);
   const shown = charge.phase !== "waiting";
   const facts = barFacts(props, door, reason);
@@ -327,7 +367,7 @@ export function ListFace(props: ListFaceProps): JSX.Element {
         <ChoiceList copy={list.copy} state={state} door={list.door ?? []} buyer={c.buyer} onBuyerChange={c.setBuyer} provider={props.provider} failure={failure} locked={facts.locked} covered={coveredByHost(list)} />
       ) : null}
       <Runners props={props} sheet={sheet.current} onFailed={onFailed} />
-      <RaiseError c={c} onRetry={act} />
+      <RaiseError c={c} onRetry={() => act()} />
       {shown ? (
         <ListBar summary={list.summary} extras={facts.extras} payer={facts.charging ? null : <PayerLine props={props} />} reason={facts.underButton} live={facts.live}>
           <BarAction props={props} failure={failure} act={act} onGooglePay={onGooglePay} onCancel={onCancel} reason={reason} returnFocus={returnFocus} />

package/src/components/checkout/list/list-memory.ts

@@ -0,0 +1,96 @@
+import { useEffect } from "react";
+
+import { NEW_CARD } from "../../../card";
+import { deferredCopy } from "../pix-parts";
+
+import { bankFlowOs } from "./bank-apps";
+import { usePaymentListMode, type PaymentListMode } from "./context";
+import type { ListState } from "./use-list-state";
+import type { CheckoutPaymentList, PixBankId } from "./types";
+
+/**
+ * What the list does with the host's memory of the buyer (FUT-3611, FUT-3612):
+ * the bank a Pix opens in, and the charge "Pedir em 1 toque" armed.
+ */
+
+/** How long after the step opens an armed charge may still start by itself. */
+export const ARMED_WINDOW_MS = 15_000;
+
+/** The bank flow's remembered bank, on a phone — what the Pix button opens. */
+function rememberedBank(list: CheckoutPaymentList): PixBankId | null {
+  const bank = list.pixBank;
+  if (!bank?.remembered || !bankFlowOs(bank.phone)) return null;
+  return bank.remembered;
+}
+
+/**
+ * Pix with the host's bank flow (FUT-3612): the clipboard is opened HERE,
+ * inside the tap, for a code the server has not answered yet — the Pix face
+ * writes it the moment it arrives, then opens the remembered bank (or, for
+ * "Abrir outro banco", shows the six).
+ */
+export function armPixCopy(list: CheckoutPaymentList, mode: PaymentListMode, pick: boolean): void {
+  if (!list.pixBank) return;
+  mode.pixIntent.current?.copy.fail();
+  const os = bankFlowOs(list.pixBank.phone);
+  mode.pixIntent.current = { copy: deferredCopy(), bank: os && !pick ? list.pixBank.remembered : null, pick };
+}
+
+function pixChosen(state: ListState): boolean {
+  return state.choice?.kind === "online" && state.choice.method === "PIX";
+}
+
+/** Pix with the bank flow: "Gerar e copiar o Pix", or "Gerar, copiar e abrir o Nubank". */
+export function pixBankLabel(list: CheckoutPaymentList, state: ListState): string | null {
+  const bank = list.pixBank;
+  if (!bank || !pixChosen(state)) return null;
+  const remembered = rememberedBank(list);
+  return remembered ? bank.copy.generateCopyAndOpen(bank.copy.names[remembered]) : bank.copy.generateAndCopy;
+}
+
+/** "Abrir outro banco" under the button: Pix chosen, a bank remembered, a phone, and the button free to act. */
+export function otherBankShown(list: CheckoutPaymentList, state: ListState, free: boolean): boolean {
+  return free && pixChosen(state) && rememberedBank(list) !== null;
+}
+
+/** A saved card — not the fields — is what the card choice will charge. */
+function savedCardChosen(state: ListState): boolean {
+  const { choice, card } = state;
+  if (choice?.kind !== "online" || choice.method !== "CARD") return false;
+  return card.selection !== null && card.selection !== NEW_CARD;
+}
+
+/**
+ * The armed charge may start now: the host armed it, the saved card the
+ * consent named is the one chosen, and nothing (`free`) holds the button.
+ */
+export function armedReady(list: CheckoutPaymentList, state: ListState, free: boolean): boolean {
+  if (!list.armedCharge || !free || !savedCardChosen(state)) return false;
+  return list.armedCardId === undefined || state.card.selection === list.armedCardId;
+}
+
+/**
+ * "Pedir em 1 toque" opened this checkout (FUT-3611): start the card's bar by
+ * itself, ONCE per step — as soon as {@link armedReady} holds, within
+ * {@link ARMED_WINDOW_MS}. Anything after Cancelar never charges by itself.
+ */
+export function useArmedCharge(ready: boolean, act: () => void): void {
+  const mode = usePaymentListMode();
+  useEffect(() => {
+    const armed = mode?.armed.current;
+    if (!ready || !armed || armed.spent) return;
+    // Spent either way: fired now, or too late to be the tap's own charge.
+    armed.spent = true;
+    if (Date.now() - armed.since <= ARMED_WINDOW_MS) act();
+  }, [ready, act, mode]);
+}
+
+/** A Pix press whose code never came (the raise was refused) gives the clipboard up. */
+export function useDropRefusedCopy(createError: unknown): void {
+  const mode = usePaymentListMode();
+  useEffect(() => {
+    if (!createError || !mode?.pixIntent.current) return;
+    mode.pixIntent.current.copy.fail();
+    mode.pixIntent.current = null;
+  }, [createError, mode]);
+}

package/src/components/checkout/list/list-pix.tsx

@@ -1,5 +1,5 @@
 import { Box, useTheme } from "@mui/material";
-import type { JSX, KeyboardEvent, MouseEvent, ReactNode } from "react";
+import { useEffect, useRef, useState, type JSX, type KeyboardEvent, type MouseEvent, type ReactNode } from "react";
 
 import { usePaymentRefresh, usePaymentStale } from "../cart-changed";
 import { useCheckoutCopy } from "../copy-context";
@@ -9,8 +9,11 @@ import type { PixAfterCopyCopy } from "../screens-copy";
 import type { CheckoutOrder, PixCharge } from "../types";
 import { useCheckoutComponents } from "../ui";
 
+import { bankFlowOs, type PhoneOs } from "./bank-apps";
 import type { PaymentListMode } from "./context";
 import { ListBar, ActionButton, WaitingLine } from "./list-bar";
+import { PixBanks, usePixBankState, type PixBankState } from "./pix-banks";
+import type { CheckoutPixBank, PixBankId } from "./types";
 
 /**
  * The Pix, in the one list (FUT-3592 #3): "Gerar Pix" already created the
@@ -146,6 +149,42 @@ interface ListPixFaceProps {
   onPreferCard?: () => void;
   /** The poll's stalled panel, when it has one. */
   footer: ReactNode;
+  /** The clipboard alone, saying whether it took the code — the bank flow's copy. */
+  writeClipboard: () => Promise<boolean>;
+  setAfterCopy: (afterCopy: boolean) => void;
+}
+
+/** A phone with a bank remembered: the copy opens it too, and keeps the way to another (FUT-3612). */
+function rememberedOnPhone(flow: BankFlow | null): PixBankId | null {
+  return flow?.os ? flow.state.chosen : null;
+}
+
+/** "Copiar e abrir no Nubank" with a remembered bank on a phone, else the plain copy. */
+function copyLabel(plain: string, flow: BankFlow | null): string {
+  const remembered = rememberedOnPhone(flow);
+  return remembered && flow ? flow.bank.copy.copyAndOpen(flow.bank.copy.names[remembered]) : plain;
+}
+
+/** "Abrir outro banco", when a remembered bank on a phone is what the copy opens. */
+function otherBankLabel(flow: BankFlow | null): string | null {
+  return flow && rememberedOnPhone(flow) ? flow.bank.copy.openOther : null;
+}
+
+/** The bar's one control: held, "Atualizar pagamento", the wait after the copy, or the copy. */
+function PixBarAction({ mode, afterCopy, onCopy, copyLabel }: {
+  mode: PaymentListMode;
+  afterCopy: boolean;
+  onCopy: () => void;
+  copyLabel: string;
+}): JSX.Element {
+  const stale = usePaymentStale();
+  const refresh = usePaymentRefresh();
+  const refreshLabel = useCheckoutCopy().screens.cartChanged.refreshAction;
+  const { hold } = mode.list;
+  if (hold) return <ActionButton label={hold.action} total={null} disabled onClick={() => undefined} />;
+  if (stale && refresh) return <ActionButton label={refreshLabel} total={null} disabled={false} onClick={refresh} />;
+  if (afterCopy) return <WaitingLine text={mode.list.copy.pixFace.waiting} />;
+  return <ActionButton label={copyLabel} total={null} disabled={stale} onClick={onCopy} />;
 }
 
 /**
@@ -153,30 +192,126 @@ interface ListPixFaceProps {
  * code the cart has outgrown — "Atualizar pagamento" (FUT-3535, E20), then
  * the copy before it and the wait after it.
  */
-function ListPixBar({ mode, afterCopy, onCopy }: { mode: PaymentListMode; afterCopy: boolean; onCopy: () => void }): JSX.Element {
+function ListPixBar({ mode, afterCopy, onCopy, bankFlow, onOtherBank }: {
+  mode: PaymentListMode;
+  afterCopy: boolean;
+  onCopy: () => void;
+  bankFlow: BankFlow | null;
+  onOtherBank: () => void;
+}): JSX.Element {
   const copy = mode.list.copy.pixFace;
   const stale = usePaymentStale();
-  const refresh = usePaymentRefresh();
-  const refreshLabel = useCheckoutCopy().screens.cartChanged.refreshAction;
   const { hold } = mode.list;
-  const action = (): JSX.Element => {
-    if (hold) return <ActionButton label={hold.action} total={null} disabled onClick={() => undefined} />;
-    if (stale && refresh) return <ActionButton label={refreshLabel} total={null} disabled={false} onClick={refresh} />;
-    if (afterCopy) return <WaitingLine text={copy.waiting} />;
-    return <ActionButton label={copy.copyCode} total={null} disabled={stale} onClick={onCopy} />;
-  };
+  const settled = !hold && !stale;
+  const other = settled && !afterCopy ? otherBankLabel(bankFlow) : null;
   return (
-    <ListBar summary={mode.list.summary} reason={hold?.reason ?? null} live={afterCopy && !hold && !stale ? copy.waiting : null}>
-      {action()}
+    <ListBar summary={mode.list.summary} reason={hold?.reason ?? null} live={afterCopy && settled ? copy.waiting : null}>
+      <PixBarAction mode={mode} afterCopy={afterCopy} onCopy={onCopy} copyLabel={copyLabel(copy.copyCode, bankFlow)} />
+      {other ? <OtherBankLink label={other} onClick={onOtherBank} /> : null}
     </ListBar>
   );
 }
 
+/** "Abrir outro banco" — a centred text link under the bar's button (FUT-3612). */
+export function OtherBankLink({ label, onClick }: { label: string; onClick: () => void }): JSX.Element {
+  const { Button } = useCheckoutComponents();
+  return (
+    <Box sx={{ display: "flex", justifyContent: "center", "& button": { textDecoration: "underline", minHeight: (t) => t.spacing(5.5) } }}>
+      <Button variant="text" color="primary" size="sm" onClick={onClick} dataTestId="pix-open-other-bank">
+        {label}
+      </Button>
+    </Box>
+  );
+}
+
+/** The Pix-to-bank flow, when the host offers it (FUT-3612). */
+interface BankFlow {
+  bank: CheckoutPixBank;
+  /** `null` on a computer: copy-and-say, no banks. */
+  os: PhoneOs | null;
+  state: PixBankState;
+}
+
+/** The toast after a copy: which bank opens, or that one is to be chosen. */
+function copiedSentence(flow: BankFlow, opening: PixBankId | null): string {
+  const { copy } = flow.bank;
+  if (!flow.os) return copy.copied;
+  return opening ? copy.copiedOpening(copy.names[opening]) : copy.copiedPick;
+}
+
+/** A copy the clipboard took: the after-copy face, the grid when asked for, the toast, and the bank opened. */
+function landCopy(at: { mode: PaymentListMode; flow: BankFlow; ports: CopyPorts; stale: boolean }, opening: PixBankId | null, grid: boolean): void {
+  const { mode, flow, ports } = at;
+  ports.setAfterCopy(true);
+  if (grid) flow.state.showGrid();
+  const target = flow.os ? opening : null;
+  mode.list.notify?.(copiedSentence(flow, target));
+  if (target && !at.stale) flow.state.open(target, false);
+}
+
+/**
+ * Every copy on the bank flow ends the same way: the after-copy face, the
+ * toast, and the bank opened — the one chosen, or none when the grid is asked
+ * for. A copy the clipboard refused does none of it (the code stays to copy by
+ * hand).
+ */
+function useBankCopies(mode: PaymentListMode, flow: BankFlow | null, pix: PixCharge, ports: CopyPorts) {
+  const stale = usePaymentStale();
+  const live = useRef(true);
+  useEffect(() => {
+    live.current = true;
+    return () => {
+      live.current = false;
+    };
+  }, []);
+  const land = (ok: boolean, grid: boolean, target: PixBankId | null): void => {
+    if (ok && live.current && flow) landCopy({ mode, flow, ports, stale }, grid ? null : target, grid);
+  };
+  // The bar's press already opened the clipboard, waiting for this code.
+  useEffect(() => {
+    const intent = mode.pixIntent.current;
+    if (!intent) return;
+    mode.pixIntent.current = null;
+    intent.copy.resolve(pix.copyPaste);
+    void intent.copy.done.then((ok) => land(ok, intent.pick, intent.pick ? null : intent.bank));
+    // Once, as the code arrives.
+  }, []);
+  const copyThen = (grid: boolean) => () =>
+    void ports.writeClipboard().then((ok) => land(ok, grid, flow?.state.chosen ?? null));
+  return { copy: copyThen(false), other: copyThen(true) };
+}
+
+interface CopyPorts {
+  writeClipboard: () => Promise<boolean>;
+  setAfterCopy: (afterCopy: boolean) => void;
+}
+
+/** The bank flow's state, or `null` when the host does not offer it. */
+function useBankFlow(mode: PaymentListMode): BankFlow | null {
+  const bank = mode.list.pixBank;
+  const [os] = useState(() => bankFlowOs(bank?.phone));
+  const stale = usePaymentStale();
+  const startOnGrid = mode.pixIntent.current?.pick ?? false;
+  const state = usePixBankState(bank?.remembered ?? null, bank?.onPick ?? noPick, os, stale, startOnGrid);
+  return bank ? { bank, os, state } : null;
+}
+
+function noPick(): void {
+  // No bank flow: nothing to remember.
+}
+
 /** Both faces of the list's Pix, and the bar under them. */
 export function ListPixFace(props: ListPixFaceProps & { mode: PaymentListMode }): JSX.Element {
   const { Text } = useCheckoutComponents();
   const { mode, order, pix, afterCopy } = props;
   const copy = mode.list.copy.pixFace;
+  const flow = useBankFlow(mode);
+  const copies = useBankCopies(mode, flow, pix, props);
+  const stale = usePaymentStale();
+  // On a phone the bank flow takes the copy: "Copiar e abrir o Nubank", the
+  // toast, the app. Without it — or on a computer — the copy is today's.
+  const onCopy = flow ? copies.copy : props.onCopy;
+  const banks = flow?.os ? { node: <PixBanks bank={flow.bank} state={flow.state} stale={stale} />, replacesChecklist: flow.state.chosen === null } : undefined;
   return (
     <Box data-testid="list-pix" sx={{ display: "flex", flexDirection: "column", gap: 1.5 }}>
       <Text variant="body" size="md" weight="bold" as="p" style={{ margin: 0 }} data-testid="list-pix-title">
@@ -189,18 +324,19 @@ export function ListPixFace(props: ListPixFaceProps & { mode: PaymentListMode })
           totalLabel={mode.list.amountDueLabel ?? order.totalLabel}
           deadline={props.time}
           justCopied={props.justCopied}
-          onCopyAgain={props.onCopyAgain}
+          onCopyAgain={flow ? copies.copy : props.onCopyAgain}
           onShowQr={() => {
             mode.setQrOpen(true);
             props.onShowQr();
           }}
           onPreferCard={props.onPreferCard}
           footer={props.footer}
+          banks={banks}
         />
       ) : (
-        <BeforeCopy mode={mode} pix={pix} time={props.time} onCopy={props.onCopy} onChangeMethod={mode.onLeavePix} footer={props.footer} />
+        <BeforeCopy mode={mode} pix={pix} time={props.time} onCopy={onCopy} onChangeMethod={mode.onLeavePix} footer={props.footer} />
       )}
-      <ListPixBar mode={mode} afterCopy={afterCopy} onCopy={props.onCopy} />
+      <ListPixBar mode={mode} afterCopy={afterCopy} onCopy={onCopy} bankFlow={flow} onOtherBank={copies.other} />
     </Box>
   );
 }

package/src/components/checkout/list/payment-list-step.tsx

@@ -130,6 +130,7 @@ export function PaymentListStep(props: PaymentListStepProps): JSX.Element {
     fresh: c.freshInstrument,
     arrivedWith: props.defaultBuyer,
     taxIdOnFile: props.taxIdOnFile,
+    lastMethod: list.lastMethod,
     onChoiceChange: list.onChoiceChange,
   });
   const charge = useListCharge({ ...c, cartTotal: displayTotals(props.totalOverride, props.cart).label, dueCents: list.totalCents });

package/src/components/checkout/list/pix-banks.tsx

@@ -0,0 +1,178 @@
+import { Box } from "@mui/material";
+import { useCallback, useEffect, useRef, useState, type JSX } from "react";
+
+import { Emphasized } from "../pix-parts";
+import { useCheckoutComponents } from "../ui";
+
+import { BankLogo } from "./bank-logos";
+import { openBankApp, PIX_BANKS, type PhoneOs } from "./bank-apps";
+import type { CheckoutPixBank, PixBankId } from "./types";
+
+/**
+ * The after-copy face's way to the bank app (FUT-3612), on a phone: with no
+ * bank chosen, the six as a 2×3 grid of large buttons under "Abra seu banco e
+ * cole em Pix copia e cola"; with one, "Abrindo o **Nubank**…" and "Outro
+ * banco" in one row — or, when the app did not open, the sentence that says so
+ * with "Tentar de novo".
+ */
+
+export type BankStatus = "opening" | "failed";
+
+export interface PixBankState {
+  /** The bank this face opens, or `null` while the grid is shown. */
+  chosen: PixBankId | null;
+  status: BankStatus | null;
+  /** Open `bank` (a pick from the grid remembers it). */
+  open: (bank: PixBankId, remember: boolean) => void;
+  /** "Outro banco": the grid again. The stored bank is replaced only by the next pick. */
+  showGrid: () => void;
+}
+
+/**
+ * The bank face's state. It starts on the remembered bank — unless the press
+ * asked for the grid ("Abrir outro banco") — and never opens anything while
+ * the code is veiled (FUT-3535: an app opened then would paste the old amount).
+ */
+export function usePixBankState(
+  remembered: PixBankId | null,
+  onPick: (bank: PixBankId) => void,
+  os: PhoneOs | null,
+  stale: boolean,
+  startOnGrid: boolean,
+): PixBankState {
+  const [chosen, setChosen] = useState<PixBankId | null>(startOnGrid ? null : remembered);
+  const [status, setStatus] = useState<BankStatus | null>(null);
+  const live = useRef(true);
+  useEffect(() => {
+    // Set in the body too: a remount (StrictMode's, or a parent's) runs the
+    // cleanup first, and a flag left false would swallow every "não abriu".
+    live.current = true;
+    return () => {
+      live.current = false;
+    };
+  }, []);
+  const open = useCallback(
+    (next: PixBankId, remember: boolean) => {
+      if (stale || !os) return;
+      setChosen(next);
+      setStatus("opening");
+      if (remember) onPick(next);
+      void openBankApp(next, os).then((opened) => {
+        if (live.current && !opened) setStatus("failed");
+      });
+    },
+    [os, onPick, stale],
+  );
+  const showGrid = useCallback(() => {
+    setChosen(null);
+    setStatus(null);
+  }, []);
+  return { chosen, status, open, showGrid };
+}
+
+function OtherLink({ label, onClick, testId }: { label: string; onClick: () => void; testId: string }): JSX.Element {
+  const { Button } = useCheckoutComponents();
+  return (
+    <Box sx={{ ml: "auto", flex: "none", "& button": { textDecoration: "underline", minHeight: (t) => t.spacing(5.5), px: 0.5 } }}>
+      <Button variant="text" color="primary" size="sm" onClick={onClick} dataTestId={testId}>
+        {label}
+      </Button>
+    </Box>
+  );
+}
+
+/** "Abrindo o **Nubank**…" · "Outro banco" — or "Não conseguimos abrir…" · "Tentar de novo" · "Outro banco". */
+function Opening({ bank, state, chosen }: { bank: CheckoutPixBank; state: PixBankState; chosen: PixBankId }): JSX.Element {
+  const { Button, Text } = useCheckoutComponents();
+  const name = bank.copy.names[chosen];
+  const failed = state.status === "failed";
+  return (
+    <Box data-testid="pix-bank-opening" data-status={state.status ?? "opening"} sx={{ display: "flex", alignItems: "center", flexWrap: "wrap", gap: 1 }}>
+      <Box component="span" role={failed ? "alert" : "status"} sx={{ minWidth: 0 }}>
+        <Text variant="body" size="sm" as="span">
+          {failed ? bank.copy.notOpened(name) : <Emphasized text={bank.copy.opening(name)} />}
+        </Text>
+      </Box>
+      {failed ? (
+        <Box sx={{ "& button": { minHeight: (t) => t.spacing(5.5) } }}>
+          <Button variant="outline" color="primary" size="sm" onClick={() => state.open(chosen, false)} dataTestId="pix-bank-retry">
+            {bank.copy.retry}
+          </Button>
+        </Box>
+      ) : null}
+      <OtherLink label={bank.copy.other} onClick={state.showGrid} testId="pix-bank-other" />
+    </Box>
+  );
+}
+
+/** One of the six: the bank's logo at 32px and its name, ≈56px tall. */
+/** The grid's own width, never the window's: under it, a cell is too narrow for logo and name side by side. */
+const NARROW_GRID = "@container pixbanks (max-width: 289.95px)";
+
+function BankButton({ bank, id, onPick, disabled }: { bank: CheckoutPixBank; id: PixBankId; onPick: () => void; disabled: boolean }): JSX.Element {
+  const { Button } = useCheckoutComponents();
+  const name = bank.copy.names[id];
+  const label = bank.copy.open(name);
+  const lead = label.slice(0, label.lastIndexOf(name.name));
+  return (
+    <Box
+      sx={{
+        minWidth: 0,
+        "& button": {
+          width: "100%",
+          minHeight: (t) => t.spacing(7),
+          borderRadius: 1.5,
+          justifyContent: "flex-start",
+          textAlign: "left",
+          gap: 1.25,
+          px: 1.5,
+          color: "text.primary",
+          borderColor: "divider",
+          // A 320px phone gives the grid ~254px (each half ~123px): logo
+          // beside "Santander" no longer fits, so the logo goes above the name.
+          [NARROW_GRID]: {
+            flexDirection: "column",
+            justifyContent: "center",
+            textAlign: "center",
+            gap: 0.5,
+            px: 1,
+            py: 1,
+            "& .MuiButton-startIcon, & .MuiButton-start": { m: 0 },
+          },
+        },
+        "& button, & button *": { fontWeight: 600 },
+      }}
+    >
+      <Button variant="outline" color="neutral" size="md" fullWidth disabled={disabled} icon={<BankLogo bank={id} />} onClick={onPick} dataTestId={`pix-bank-${id}`}>
+        {/* The accessible name is "Abrir Nubank"; the eye reads the logo and "Nubank". */}
+        <Box component="span" sx={{ position: "absolute", width: "1px", height: "1px", overflow: "hidden", clip: "rect(0 0 0 0)", whiteSpace: "nowrap" }}>
+          {lead}
+        </Box>
+        {name.name}
+      </Button>
+    </Box>
+  );
+}
+
+function Grid({ bank, state, stale }: { bank: CheckoutPixBank; state: PixBankState; stale: boolean }): JSX.Element {
+  const { Text } = useCheckoutComponents();
+  return (
+    <Box data-testid="pix-bank-grid" sx={{ display: "flex", flexDirection: "column", gap: 1 }}>
+      <Text variant="body" size="md" weight="semibold" as="p" style={{ margin: 0 }}>
+        {bank.copy.listTitle}
+      </Text>
+      <Box sx={{ containerType: "inline-size", containerName: "pixbanks" }}>
+        <Box sx={{ display: "grid", gridTemplateColumns: "repeat(2, minmax(0, 1fr))", gap: 1 }}>
+          {PIX_BANKS.map((id) => (
+            <BankButton key={id} bank={bank} id={id} disabled={stale} onPick={() => state.open(id, true)} />
+          ))}
+        </Box>
+      </Box>
+    </Box>
+  );
+}
+
+/** The grid, or the bank being opened. */
+export function PixBanks({ bank, state, stale }: { bank: CheckoutPixBank; state: PixBankState; stale: boolean }): JSX.Element {
+  return state.chosen ? <Opening bank={bank} state={state} chosen={state.chosen} /> : <Grid bank={bank} state={state} stale={stale} />;
+}

package/src/components/checkout/list/types.ts

@@ -131,6 +131,97 @@ export interface CheckoutPaymentList {
    * the list returns to its rows.
    */
   amountDueLabel?: string;
+  /**
+   * The buyer's last ONLINE way to pay, as the host remembers it (FUT-3611) —
+   * chosen for them before they touch anything, when the store offers it: Pix
+   * as Pix; a card as the saved card used last. Absent or `null` ⇒ the saved
+   * card rule alone. A door tender is never chosen for the buyer.
+   */
+  lastMethod?: "PIX" | "CARD" | null;
+  /**
+   * "Pedir em 1 toque" opened this checkout (FUT-3611): the tap on the
+   * cardápio was the buyer's consent, so the card's 5-second bar starts by
+   * itself once the saved card is chosen and nothing holds the button — ONCE
+   * per step, and only within {@link ARMED_WINDOW_MS} of the step opening: a
+   * checkout that lands held (a field to fill) never charges by itself minutes
+   * later. Without a saved card it does nothing.
+   */
+  armedCharge?: boolean;
+  /**
+   * The saved card the host's consent named (the 1-tap offer's). Given, the
+   * armed charge fires only on THAT card; a different selection never charges
+   * by itself.
+   */
+  armedCardId?: string;
+  /**
+   * Host content under the 5-second bar's Cancelar while it counts — the
+   * storefront's "Cancelar e desativar a compra em 1 toque". It is handed the
+   * bar's own cancel, so a link there stops the charge before doing its own.
+   */
+  chargeFooter?: (cancel: () => void) => ReactNode;
+  /**
+   * Pix straight to the buyer's bank app (FUT-3612) — on a phone only: the
+   * button generates AND copies the code, a short message says so through
+   * `notify`, and the after-copy face offers the six banks (or opens the one
+   * remembered). Absent ⇒ today's Pix: "Gerar Pix", then a tap to copy.
+   */
+  pixBank?: CheckoutPixBank;
+  /** Says a short sentence in the host's own toast — "Código Pix copiado". */
+  notify?: (message: string) => void;
+}
+
+/** The six banks the Pix face offers to open, in the prototype's order. */
+export type PixBankId = "nubank" | "itau" | "bradesco" | "bb" | "caixa" | "santander";
+
+/** `CheckoutPaymentList.pixBank`. */
+export interface CheckoutPixBank {
+  /** The bank the buyer picked last time, as the host stored it — or `null`. */
+  remembered: PixBankId | null;
+  /** A bank was picked: the host remembers it for next time (a new pick replaces it). */
+  onPick: (bank: PixBankId) => void;
+  /** The words; ship with the list's pack (`PIX_BANK_COPY`). */
+  copy: PixBankCopy;
+  /**
+   * Whether this device can open a bank app — a phone. Absent ⇒ read from the
+   * browser (Android or iOS). A computer keeps today's face and gets only the
+   * generate-and-copy.
+   */
+  phone?: boolean;
+}
+
+/** A bank's name and the article pt-BR puts before it ("o Nubank", "a Caixa"). */
+export interface PixBankName {
+  name: string;
+  /** "Abrir o Nubank" / "Abrir a Caixa" — the article with its trailing space, or "" for none. */
+  the: string;
+}
+
+export interface PixBankCopy {
+  names: Record<PixBankId, PixBankName>;
+  /** The bar's button with no bank remembered — "Gerar e copiar o Pix". */
+  generateAndCopy: string;
+  /** With one remembered — "Gerar, copiar e abrir o Nubank". */
+  generateCopyAndOpen: (bank: PixBankName) => string;
+  /** The before-copy face's button with one remembered — "Copiar e abrir o Nubank". */
+  copyAndOpen: (bank: PixBankName) => string;
+  /** The link under the button — "Abrir outro banco". */
+  openOther: string;
+  /** Over the grid — "Abra seu banco e cole em Pix copia e cola". */
+  listTitle: string;
+  /** A bank button's accessible name — "Abrir Nubank". */
+  open: (bank: PixBankName) => string;
+  /** "Abrindo o **Nubank**…" — `**` marks the bold span. */
+  opening: (bank: PixBankName) => string;
+  /** "Outro banco". */
+  other: string;
+  /** "Não conseguimos abrir o Nubank. O app está instalado neste celular?" */
+  notOpened: (bank: PixBankName) => string;
+  /** "Tentar de novo". */
+  retry: string;
+  /** The toasts. */
+  copied: string;
+  copiedPick: string;
+  copiedOpening: (bank: PixBankName) => string;
 }
 
 /** The list's words — a pack per locale ships at `@12-apps/payments-frontend/locales`. */

package/src/components/checkout/list/use-list-state.ts

@@ -59,6 +59,7 @@ function usePreselect(
   rows: readonly OnlineRow[],
   saved: readonly SavedCard[],
   fresh: boolean,
+  lastMethod: "PIX" | "CARD" | null,
   apply: (choice: CheckoutListChoice, selection: string | null) => void,
   touched: { current: boolean },
 ): void {
@@ -66,9 +67,9 @@ function usePreselect(
   useEffect(() => {
     if (done.current || touched.current || !loaded) return;
     done.current = true;
-    const pick = preselection(rows, saved, fresh);
+    const pick = preselection(rows, saved, fresh, lastMethod);
     if (pick) apply(pick.choice, pick.selection);
-  }, [loaded, rows, saved, fresh, apply, touched]);
+  }, [loaded, rows, saved, fresh, lastMethod, apply, touched]);
 }
 
 /**
@@ -96,6 +97,8 @@ export function useListState(input: {
   fresh: boolean;
   arrivedWith: BuyerInfo | undefined;
   taxIdOnFile: boolean;
+  /** The buyer's last online method, from the host (FUT-3611). */
+  lastMethod?: "PIX" | "CARD" | null;
   onChoiceChange?: (choice: CheckoutListChoice | null) => void;
 }): ListState {
   const { capability } = input;
@@ -112,7 +115,7 @@ export function useListState(input: {
     },
     [setSelection],
   );
-  usePreselect(loaded, rows, cards, input.fresh, apply, touched);
+  usePreselect(loaded, rows, cards, input.fresh, input.lastMethod ?? null, apply, touched);
   const choose = useCallback(
     (next: CheckoutListChoice) => {
       touched.current = true;

package/src/components/checkout/pix-after-copy.tsx

@@ -123,6 +123,12 @@ interface PixAfterCopyProps {
   onPreferCard?: () => void;
   /** The poll's line ("Verificando…", or the stalled panel that replaces it). */
   footer: ReactNode;
+  /**
+   * The way to the bank app, on a phone (FUT-3612): drawn where the heading
+   * was — the toast already said the code was copied and the bar says what it
+   * waits for — and, while it is the six banks, in place of the checklist.
+   */
+  banks?: { node: ReactNode; replacesChecklist: boolean };
 }
 
 /** The narrow layout's two secondaries side by side; wide, the card link joins the row. */
@@ -164,8 +170,8 @@ export function PixAfterCopy(props: PixAfterCopyProps): JSX.Element {
   return (
     <Box data-testid="pix-after-copy" sx={{ display: "flex", flexWrap: "wrap", gap: 4, alignItems: "flex-start" }}>
       <Box sx={{ flex: "999 1 420px", minWidth: 0, display: "flex", flexDirection: "column", gap: 2.5 }}>
-        <Heading words={words} totalLabel={totalLabel} />
-        <Checklist words={words} deadline={deadline} />
+        {props.banks ? props.banks.node : <Heading words={words} totalLabel={totalLabel} />}
+        {props.banks?.replacesChecklist ? null : <Checklist words={words} deadline={deadline} />}
         <Actions {...props} />
         {footer}
         {onPreferCard ? (

package/src/components/checkout/pix-parts.tsx

@@ -82,6 +82,62 @@ export function useClipboardCopy(text: string): { copy: () => Promise<boolean>;
   return { copy, justCopied };
 }
 
+/** A copy opened inside a tap whose text arrives later (FUT-3612) — see {@link deferredCopy}. */
+export interface DeferredCopy {
+  /** The text has arrived: write it. */
+  resolve: (text: string) => void;
+  /** There will be no text (the raise was refused): give the clipboard up. */
+  fail: () => void;
+  /** `true` once the clipboard holds the text; `false` when it refused or there was none. */
+  done: Promise<boolean>;
+}
+
+/**
+ * Open the clipboard NOW, inside the buyer's tap, for a text the server has
+ * not answered yet. Safari lets a page write to the clipboard only inside the
+ * gesture, so the write is started here with a promise of the text
+ * (`ClipboardItem`); where that is missing or refused, the plain write is
+ * tried once the text arrives — Chrome takes it from a focused page.
+ */
+export function deferredCopy(): DeferredCopy {
+  let give: (text: string | null) => void = () => undefined;
+  const text = new Promise<string | null>((resolve) => {
+    give = resolve;
+  });
+  const plain = async (): Promise<boolean> => {
+    const value = await text;
+    if (value === null || !navigator.clipboard) return false;
+    try {
+      await navigator.clipboard.writeText(value);
+      return true;
+    } catch {
+      return false;
+    }
+  };
+  const Item = typeof window === "undefined" ? undefined : (window as { ClipboardItem?: typeof ClipboardItem }).ClipboardItem;
+  let done: Promise<boolean> = Promise.resolve(false);
+  let opened = false;
+  if (Item && navigator.clipboard && typeof navigator.clipboard.write === "function") {
+    const blob = text.then((value) => {
+      if (value === null) throw new Error("no text");
+      return new Blob([value], { type: "text/plain" });
+    });
+    // An unanswered blob must not surface as an unhandled rejection.
+    blob.catch(() => undefined);
+    try {
+      done = navigator.clipboard.write([new Item({ "text/plain": blob })]).then(
+        () => true,
+        async () => (await text) !== null && plain(),
+      );
+      opened = true;
+    } catch {
+      // A browser whose ClipboardItem takes no promise throws here, in the tap.
+    }
+  }
+  if (!opened) done = plain();
+  return { resolve: (value) => give(value), fail: () => give(null), done };
+}
+
 /**
  * A PIX's QR or code, veiled while the cart has changed under it (FUT-3535):
  * blurred past reading, out of reach of a pointer, a selection and a screen

package/src/components/checkout/pix-view.tsx

@@ -287,6 +287,8 @@ function PixBody({ order, pix, poll }: { order: CheckoutOrder; pix: PixCharge; p
         onShowQr={() => setAfterCopy(false)}
         onPreferCard={stage.preferCard}
         footer={poll.error || poll.timedOut ? footerLine(copy.verifying) : null}
+        writeClipboard={writeClipboard}
+        setAfterCopy={setAfterCopy}
       />
     );
   }

package/src/index.ts

@@ -56,7 +56,7 @@ export { PT_BR_CHECKOUT_PAYMENT_COPY } from './components/checkout-payment-pt-BR
 // ---------------------------------------------------------------------------
 export { CheckoutFlow, type CheckoutCartView, type CheckoutFlowProps } from './components/checkout/checkout-flow';
 // The Pagamento step as ONE list (FUT-3591/3592) — opt-in via `CheckoutFlowProps.paymentList`.
-export type { CheckoutDoorOption, CheckoutListChoice, CheckoutListHold, CheckoutOnlineChoice, CheckoutPaymentList, PaymentListCopy } from './components/checkout/list/types';
+export type { CheckoutDoorOption, CheckoutListChoice, CheckoutListHold, CheckoutOnlineChoice, CheckoutPaymentList, CheckoutPixBank, PaymentListCopy, PixBankCopy, PixBankId, PixBankName } from './components/checkout/list/types';
 export { PT_BR_PAYMENT_LIST_COPY } from './components/checkout/list/pt-BR';
 export type { BackActionEmphasis } from './components/checkout/payment-status-parts';
 export type { CheckoutDeliverySummary, CheckoutSummaryLine } from './components/checkout/payment-summary';

package/src/locales.ts

@@ -22,7 +22,9 @@ import type { CheckoutScreensCopy } from './components/checkout/screens-copy';
 import { PT_BR_CHECKOUT_SCREENS_COPY } from './components/checkout/screens-pt-BR';
 import { EN_US_PAYMENT_LIST_COPY } from './components/checkout/list/en-US';
 import { PT_BR_PAYMENT_LIST_COPY } from './components/checkout/list/pt-BR';
-import type { PaymentListCopy } from './components/checkout/list/types';
+import { EN_US_PIX_BANK_COPY } from './components/checkout/list/bank-en-US';
+import { PT_BR_PIX_BANK_COPY } from './components/checkout/list/bank-pt-BR';
+import type { PaymentListCopy, PixBankCopy } from './components/checkout/list/types';
 import type { CheckoutViewCopy, PaymentStatusCopy } from './components/checkout/view-copy';
 import type { PlatformHomologacaoCopy } from './components/platform/copy';
 import { EN_US_PLATFORM_HOMOLOGACAO_COPY } from './components/platform/en-US';
@@ -88,6 +90,15 @@ export const PAYMENT_LIST_COPY = {
   'en-US': EN_US_PAYMENT_LIST_COPY,
 } as const satisfies LocalePack<PaymentListCopy>;
 
+/**
+ * The Pix-to-bank flow's words (FUT-3612) — `CheckoutFlowProps.paymentList.pixBank.copy`.
+ * Read by the SHOPPER.
+ */
+export const PIX_BANK_COPY = {
+  'pt-BR': PT_BR_PIX_BANK_COPY,
+  'en-US': EN_US_PIX_BANK_COPY,
+} as const satisfies LocalePack<PixBankCopy>;
+
 export const CHECKOUT_COPY = {
   'pt-BR': PT_BR_CHECKOUT_COPY,
   'en-US': EN_US_CHECKOUT_COPY,