Brazil
With over 215 million people, Brazil is the biggest market in Latin America. It boasts one of the most promising e-commerce sectors worldwide.
groups
213 million
Population
shopping_cart
108.9 million
Percentage of Online Shoppers
payments
274.5 billion
Consumer Spending
Best Payment Gateways That You Should Choose in Brazil
We've reviewed the most popular and reliable payment gateway in Brazil, but not everyone has time to read all of them. That's why we've summarized the most important things in a table.
Brazil Payment Gateway Options: A Comprehensive Guide
With over 215 million people, Brazil is the biggest market in Latin America. It boasts one of the most promising e-commerce sectors worldwide. Here is what makes market of Brazil payments so special:
- Digital transformation. In 2020, Pix-an instant 24/7 payout system-was introduced by Brazil. It has transformed the way Brazilians make and receive payments. In 2023, Pix accounted for 30% of all electronic payments.
- E-commerce on the rise. Domestic electronic commerce in Brazil would grow in 2024 by 39%. Cross-border e-commerce would expand by 24%.
- Smartphone penetration. Over 70% of banking transactions are now made through smartphones. Mobile purses are major cornerstones regarding such financial landscape in Brazilian country.
- Financial inclusion. Pix allowed millions of unbanked Brazilians to join the digital economy, transforming the system into one of the main drivers of financial inclusion.
E.g., offering locality-based payment options like Pix, Boleto Bancário, and the installment of credit cards is basically elemental to success in the highly successful e-commerce and digital payments environment that is Brazil.
The best gateways
BR payment ecosystem features various payment gateways catering to different business needs. Below is major gateways list, each with unique features tailored to Brazilian market.
Paykassma
Paykassma
Interkassa
Interkassa
PagarMe
PagarMe
Monetix
Monetix
Flexify
Flexify
Paykassma
Paykassma has been a leading payment processing solution since 2019, serving India, Bangladesh, Indonesia, Vietnam, South Africa, Brazil, and many other countries. Specializing in high-risk payments, Paykassma offers reliable and secure solutions tailored to industries with elevated financial risks.
| Feature | Details |
|---|---|
| Payment Methods | Bank transfers, cryptocurrency options like BTC and USDT, PIX |
| Registration Documents | Verification of business and bank accounts |
| Settlement Period | T+0, instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime |
| Mobile App Integration | Compatible with both iOS and Android devices |
| Onboarding Time | ypically fast, with account setup and verification finalized in a few days |
| Customer Support | 24/7/365 support via phone, email, and chat |
| E-commerce Platforms Supported | Compatible with customizable Payment Page |
| Other Integrations | Easy integration via API |
| Dashboard | Intuitive interface offering transaction history, analytics, and account management tools |
| Payment MethodsBank transfers, cryptocurrency options like BTC and USDT, PIX | |
| Registration DocumentsVerification of business and bank accounts | |
| Settlement PeriodT+0, instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime | |
| Mobile App IntegrationCompatible with both iOS and Android devices | |
| Onboarding Timeypically fast, with account setup and verification finalized in a few days | |
| Customer Support24/7/365 support via phone, email, and chat | |
| E-commerce Platforms SupportedCompatible with customizable Payment Page | |
| Other IntegrationsEasy integration via API | |
| DashboardIntuitive interface offering transaction history, analytics, and account management tools |
Pros
- Conversion growth: +20%
- Turnover increase: x100 in a week
- 99.9%+ successful transactions
- No rolling reserves
- No holds
- Settlement period: T+0
- 24/7/365 support
Cons
- Restricted to certain payment methods.
- Internet connection required for online transactions.
AstroPay
AstroPay is a global digital payment solution that operates across Latin America, Africa, Asia. It supports Brazil payment processors plus offers virtual/physical cards.
| Feature | Details |
|---|---|
| Payment Methods | Payment Methods Virtual/physical debit cards, bank transfers, e-wallets, Pix |
| Registration Documents | Business registration required for merchants |
| Settlement Period | Instant for users; varies for merchants |
| Mobile App Integration | SDKs and APIs available |
| Onboarding Time | Quick for users; varies for merchants |
| Customer Support | Available; slower response for non-Latin American users |
| E-commerce Platforms Supported | Supports integration with various e-commerce platforms |
| Other Integrations | APIs and plugins for multiple platforms |
| Dashboard | Real-time transaction management |
| Payment MethodsPayment Methods Virtual/physical debit cards, bank transfers, e-wallets, Pix | |
| Registration DocumentsBusiness registration required for merchants | |
| Settlement PeriodInstant for users; varies for merchants | |
| Mobile App IntegrationSDKs and APIs available | |
| Onboarding TimeQuick for users; varies for merchants | |
| Customer SupportAvailable; slower response for non-Latin American users | |
| E-commerce Platforms SupportedSupports integration with various e-commerce platforms | |
| Other IntegrationsAPIs and plugins for multiple platforms | |
| DashboardReal-time transaction management |
Pros
- Instant payments and no fees with regard to users.
- Multiple payout methods globally and locally.
Cons
- Limited global availability outside select regions.
- Customer support regarding non-Latin American users can be slow.
Cielo
Cielo is a large payment gateway Brazil, offering in-store/online payout solutions. It supports local methods like Pix or Boleto Bancário, as well as international credit cards, making it a go-to payout provider for Brazilian businesses.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto Bancário, international credit cards, debit cards, installment payments (parcelado) |
| Registration Documents | Business registration in Brazil |
| Settlement Period | Varies based on payment method; typically 2 business days for credit cards |
| Mobile App Integration | Offers mobile app integration for payment processing |
| Onboarding Time | Setup process can be complex; specific duration not specified |
| Customer Support | Provides customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Offers APIs and plugins for various platforms |
| Dashboard | Provides a comprehensive dashboard for transaction management |
| Payment MethodsPix, Boleto Bancário, international credit cards, debit cards, installment payments (parcelado) | |
| Registration DocumentsBusiness registration in Brazil | |
| Settlement PeriodVaries based on payment method; typically 2 business days for credit cards | |
| Mobile App IntegrationOffers mobile app integration for payment processing | |
| Onboarding TimeSetup process can be complex; specific duration not specified | |
| Customer SupportProvides customer support; specific details not provided | |
| E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed | |
| Other IntegrationsOffers APIs and plugins for various platforms | |
| DashboardProvides a comprehensive dashboard for transaction management |
Pros
- Extensive merchant network and support regarding various payment options.
- Trusted brand plus a strong local presence.
Cons
- Higher transaction fees regarding smaller businesses.
- Setup process can be complex.
EBANX
EBANX is a cross-border payout solution that enables international companies to accept local payments in Brazilian country, including Pix with Boleto. It provides a simple way for global businesses to operate in BR with high approval rates and comprehensive fraud prevention.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto Bancário, credit/debit cards, digital wallets, and other local payment methods |
| Registration Documents | Business registration and compliance documentation required |
| Settlement Period | Varies based on payment method and country; typically ranges from 2 to 7 business days |
| Mobile App Integration | Offers APIs and SDKs for seamless integration with mobile applications |
| Onboarding Time | Efficient onboarding process; specific duration depends on business requirements |
| Customer Support | Provides dedicated support with local expertise in multiple languages |
| E-commerce Platforms Supported | Integrates with major e-commerce platforms such as Shopify, WooCommerce, Magento, and custom platforms via APIs |
| Other Integrations | Supports integration with various ERP systems, CRM platforms, and other business tools |
| Dashboard | Offers a comprehensive dashboard for transaction monitoring, reporting, and analytics |
| Payment MethodsPix, Boleto Bancário, credit/debit cards, digital wallets, and other local payment methods | |
| Registration DocumentsBusiness registration and compliance documentation required | |
| Settlement PeriodVaries based on payment method and country; typically ranges from 2 to 7 business days | |
| Mobile App IntegrationOffers APIs and SDKs for seamless integration with mobile applications | |
| Onboarding TimeEfficient onboarding process; specific duration depends on business requirements | |
| Customer SupportProvides dedicated support with local expertise in multiple languages | |
| E-commerce Platforms SupportedIntegrates with major e-commerce platforms such as Shopify, WooCommerce, Magento, and custom platforms via APIs | |
| Other IntegrationsSupports integration with various ERP systems, CRM platforms, and other business tools | |
| DashboardOffers a comprehensive dashboard for transaction monitoring, reporting, and analytics |
Pros
- Strong support for international businesses targeting BR.
- Local payout options plus high market penetration.
Cons
- Can be costly regarding smaller merchants.
- Limited support regarding certain smaller currencies outside BRL or USD.
Mercado Pago
Mercado Pago is a major payment solution in Latin America, closely linked to Mercado Libre. Such a gateway to Brazil allows businesses to accept payout methods, including Boleto and installment credit options.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, Boleto Bancário, Pix, installment payments, QR code transactions |
| Registration Documents | Merchant account required; specific documentation depends on the country and business type |
| Settlement Period | Varies based on payment method and country; typically ranges from immediate to a few business days |
| Mobile App Integration | Offers mobile app integration for payment processing |
| Onboarding Time | Quick setup process; specific duration may vary based on business verification |
| Customer Support | Provides customer support; response times may vary, with potential delays for international clients |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Offers APIs and plugins for various platforms |
| Dashboard | Provides a comprehensive dashboard for transaction management |
| Payment MethodsCredit/debit cards, Boleto Bancário, Pix, installment payments, QR code transactions | |
| Registration DocumentsMerchant account required; specific documentation depends on the country and business type | |
| Settlement PeriodVaries based on payment method and country; typically ranges from immediate to a few business days | |
| Mobile App IntegrationOffers mobile app integration for payment processing | |
| Onboarding TimeQuick setup process; specific duration may vary based on business verification | |
| Customer SupportProvides customer support; response times may vary, with potential delays for international clients | |
| E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed | |
| Other IntegrationsOffers APIs and plugins for various platforms | |
| DashboardProvides a comprehensive dashboard for transaction management |
Pros
- Wide adoption across Latin America with a trusted brand.
- Offers different payout options, including Pix.
Cons
- Higher transaction fees regarding smaller merchants.
- Customer support can be slow regarding international clients.
Monetix
Monetix is a digital payment gateway Brazil tailored for small and medium-sized businesses. Monetix is designed for e-commerce businesses looking for cost-effective payout processing.
| Feature | Details |
|---|---|
| Payment Methods | Pix, credit/debit cards |
| Registration Documents | Business registration required |
| Settlement Period | Ranges from 2 to 5 business days |
| Mobile App Integration | Simple API integration for fast onboarding |
| Onboarding Time | Quick integration process |
| Customer Support | Available in multiple languages |
| E-commerce Platforms Supported | Integrates with Magento, Shopify, WooCommerce |
| Other Integrations | Integrated with ERP systems |
| Dashboard | Comprehensive dashboard for analytics |
| Payment MethodsPix, credit/debit cards | |
| Registration DocumentsBusiness registration required | |
| Settlement PeriodRanges from 2 to 5 business days | |
| Mobile App IntegrationSimple API integration for fast onboarding | |
| Onboarding TimeQuick integration process | |
| Customer SupportAvailable in multiple languages | |
| E-commerce Platforms SupportedIntegrates with Magento, Shopify, WooCommerce | |
| Other IntegrationsIntegrated with ERP systems | |
| DashboardComprehensive dashboard for analytics |
Pros
- Designed for SMEs with affordable pricing.
- Simple and quick integration process.
Cons
- Limited support for physical POS systems.
- Fewer advanced features compared to larger payment platforms
Pagar.me
Pagar.me is a leading payment processor Brazil, offering businesses an easy way to accept payments online & in-store. It’s well-known for its user-friendly integration and customizable solutions for different merchants.
| Feature | Details |
|---|---|
| Payment Methods | Pix, credit/debit cards, Boleto Bancário, voucher, and multimeios |
| Registration Documents | Merchant registration required |
| Settlement Period | Varies based on payment method; specific details not provided |
| Mobile App Integration | Offers SDKs and APIs for seamless integration with mobile applications |
| Onboarding Time | Setup can be complex for non-technical users; specific duration not specified |
| Customer Support | Provides customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms like WooCommerce and Magento |
| Other Integrations | Offers APIs and plugins for various platforms |
| Dashboard | Provides a comprehensive dashboard for transaction management |
| Payment MethodsPix, credit/debit cards, Boleto Bancário, voucher, and multimeios | |
| Registration DocumentsMerchant registration required | |
| Settlement PeriodVaries based on payment method; specific details not provided | |
| Mobile App IntegrationOffers SDKs and APIs for seamless integration with mobile applications | |
| Onboarding TimeSetup can be complex for non-technical users; specific duration not specified | |
| Customer SupportProvides customer support; specific details not provided | |
| E-commerce Platforms SupportedSupports integration with major e-commerce platforms like WooCommerce and Magento | |
| Other IntegrationsOffers APIs and plugins for various platforms | |
| DashboardProvides a comprehensive dashboard for transaction management |
Pros
- Highly customizable with advanced API integrations.
- Excellent support for recurring billing.
Cons
- Higher fees regarding smaller businesses.
- Setup can be complex regarding non-technical users.
PagBrasil
PagBrasil is an all-round payout gateway for Brazilian businesses, especially those involved in cross-border e-commerce. It boasts a long list of supported local payout methods, from Pix to Boleto Bancário, to installment payments.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto Bancário, credit/debit cards, installments, bank transfers, wallets |
| Registration Documents | Merchant account required |
| Settlement Period | Varies; Pix is instant, others may take longer |
| Mobile App Integration | APIs and SDKs available for mobile integration |
| Onboarding Time | Quick onboarding; duration varies based on business requirements |
| Customer Support | Support available via email and phone |
| E-commerce Platforms | Supports Shopify, WooCommerce, Magento |
| Other Integrations | APIs and plugins for custom and standard integrations |
| Dashboard | Comprehensive dashboard for transaction management and analytics |
| Payment MethodsPix, Boleto Bancário, credit/debit cards, installments, bank transfers, wallets | |
| Registration DocumentsMerchant account required | |
| Settlement PeriodVaries; Pix is instant, others may take longer | |
| Mobile App IntegrationAPIs and SDKs available for mobile integration | |
| Onboarding TimeQuick onboarding; duration varies based on business requirements | |
| Customer SupportSupport available via email and phone | |
| E-commerce PlatformsSupports Shopify, WooCommerce, Magento | |
| Other IntegrationsAPIs and plugins for custom and standard integrations | |
| DashboardComprehensive dashboard for transaction management and analytics |
Pros
- Adapted to cross-border businesses.
- Strong support for local payout methods and excellent fraud protection.
Cons
- Well-suited to larger businesses.
- Higher transaction fees compared to some competitors.
PagSeguro
PagSeguro is one of Brazil’s most popular payout platforms, offering online/in-store payment solutions. It supports different payout methods and is known for its ease of use, especially for small businesses with freelancers.
| Feature | Details |
|---|---|
| Payment Methods | Pix, credit/debit cards, Boleto Bancário, bank transfers, wallets |
| Registration Documents | Merchant registration required |
| Settlement Period | Varies by payment method; Pix is instant |
| Mobile App Integration | APIs and SDKs available for mobile |
| Onboarding Time | Quick onboarding; varies based on business requirements |
| Customer Support | Support via email and phone |
| E-commerce Platforms | Compatible with Shopify, WooCommerce, Magento |
| Other Integrations | APIs and plugins for custom and standard integrations |
| Dashboard | Comprehensive dashboard for transactions and analytics |
| Payment MethodsPix, credit/debit cards, Boleto Bancário, bank transfers, wallets | |
| Registration DocumentsMerchant registration required | |
| Settlement PeriodVaries by payment method; Pix is instant | |
| Mobile App IntegrationAPIs and SDKs available for mobile | |
| Onboarding TimeQuick onboarding; varies based on business requirements | |
| Customer SupportSupport via email and phone | |
| E-commerce PlatformsCompatible with Shopify, WooCommerce, Magento | |
| Other IntegrationsAPIs and plugins for custom and standard integrations | |
| DashboardComprehensive dashboard for transactions and analytics |
Pros
- Easy to use, well-suited to small businesses & freelancers.
- Various payout options, including in-store solutions.
Cons
- Higher transaction fees for lower volume merchants.
- Limited support for international payments.
PayRetailers
PayRetailers is a fast-growing Brazil payment system offering a range of local & international payout solutions across Latin America. It enables businesses to process payments through methods like Pix, Boleto plus credit/debit cards.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto, credit/debit cards, online banking, QR codes, e-wallets |
| Registration Documents | Business registration required |
| Settlement Period | Varies by payment method and country |
| Mobile App Integration | APIs and SDKs available for mobile integration |
| Onboarding Time | Quick onboarding; varies by business |
| Customer Support | Available via email and phone |
| E-commerce Platforms | Supports major platforms; specifics not listed |
| Other Integrations | APIs and plugins for custom and standard integrations |
| Dashboard | Comprehensive dashboard for transaction management and analytics |
| Payment MethodsPix, Boleto, credit/debit cards, online banking, QR codes, e-wallets | |
| Registration DocumentsBusiness registration required | |
| Settlement PeriodVaries by payment method and country | |
| Mobile App IntegrationAPIs and SDKs available for mobile integration | |
| Onboarding TimeQuick onboarding; varies by business | |
| Customer SupportAvailable via email and phone | |
| E-commerce PlatformsSupports major platforms; specifics not listed | |
| Other IntegrationsAPIs and plugins for custom and standard integrations | |
| DashboardComprehensive dashboard for transaction management and analytics |
Pros
- Well-suited to businesses targeting multiple Latin American markets.
- Robust fraud prevention tools with multi-currency support.
Cons
- More suited for medium/large businesses.
- May be cost-prohibitive for smaller merchants.
Rede
Rede is a Brazilian payments company, which offers solutions for both online and in-store payments. It supports a variety of payment methods, including Pix, Boleto Bancário, and installment payments for credit cards.
| Feature | Details |
|---|---|
| Payment Methods | Boleto Bancário, credit/debit cards, installment payments, Pix |
| Registration Documents | Business registration in Brazil |
| Settlement Period | Varies based on payment method; typically 2 business days for credit cards |
| Mobile App Integration | Offers mobile app integration for payment processing |
| Onboarding Time | Setup process can be complex; specific duration not specified |
| Customer Support | Provides customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Offers APIs and plugins for various platforms |
| Dashboard | Provides a comprehensive dashboard for transaction management |
| Payment MethodsBoleto Bancário, credit/debit cards, installment payments, Pix | |
| Registration DocumentsBusiness registration in Brazil | |
| Settlement PeriodVaries based on payment method; typically 2 business days for credit cards | |
| Mobile App IntegrationOffers mobile app integration for payment processing | |
| Onboarding TimeSetup process can be complex; specific duration not specified | |
| Customer SupportProvides customer support; specific details not provided | |
| E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed | |
| Other IntegrationsOffers APIs and plugins for various platforms | |
| DashboardProvides a comprehensive dashboard for transaction management |
Pros
- Trusted by large & small businesses alike.
- Comprehensive support for local payout methods.
Cons
- Higher transaction fees for small businesses.
- Can be complex for merchants unfamiliar with its setup.
Stone Pagamentos
Stone Pagamentos is a Brazil payment system with solutions for merchants of all sizes. It provides both in-store POS solutions and online payout processing, supporting local methods like Pix & Boleto.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto Bancário, credit/debit cards, installments |
| Registration Documents | Merchant registration required |
| Settlement Period | Varies; Pix is instant, others may take longer |
| Mobile App Integration | APIs and SDKs available for mobile integration |
| Onboarding Time | Quick onboarding; duration varies |
| Customer Support | Available via email and phone |
| E-commerce Platforms | Integrates with Shopify, WooCommerce, Magento |
| Other Integrations | APIs and plugins for various platforms |
| Dashboard | Provides transaction management and analytics |
| Payment MethodsPix, Boleto Bancário, credit/debit cards, installments | |
| Registration DocumentsMerchant registration required | |
| Settlement PeriodVaries; Pix is instant, others may take longer | |
| Mobile App IntegrationAPIs and SDKs available for mobile integration | |
| Onboarding TimeQuick onboarding; duration varies | |
| Customer SupportAvailable via email and phone | |
| E-commerce PlatformsIntegrates with Shopify, WooCommerce, Magento | |
| Other IntegrationsAPIs and plugins for various platforms | |
| DashboardProvides transaction management and analytics |
Pros
- Strong focus on supporting small & medium businesses.
- Comprehensive local payout method support.
Cons
- Customer service response times can be slow.
- Higher fees for smaller transactions.
Wirecard Brazil (Mundipagg)
Wirecard Brazil, previously known as Mundipagg, is a leading Brazilian gateway offering comprehensive payout solutions for local businesses. It supports a variety of payout methods, including Pix, Boleto plus credit/debit cards.
| Feature | Details |
|---|---|
| Payment Methods | Pix, Boleto Bancário, credit/debit cards, online/offline payments |
| Registration Documents | Merchant account required |
| Settlement Period | Varies by payment method |
| Mobile App Integration | APIs and SDKs available for mobile integration |
| Onboarding Time | Quick onboarding; duration varies by business |
| Customer Support | Available via email and phone |
| E-commerce Platforms | Supports major platforms |
| Other Integrations | APIs and plugins for custom and standard integrations |
| Dashboard | Dashboard for transaction management, refunds, and analytics |
| Payment MethodsPix, Boleto Bancário, credit/debit cards, online/offline payments | |
| Registration DocumentsMerchant account required | |
| Settlement PeriodVaries by payment method | |
| Mobile App IntegrationAPIs and SDKs available for mobile integration | |
| Onboarding TimeQuick onboarding; duration varies by business | |
| Customer SupportAvailable via email and phone | |
| E-commerce PlatformsSupports major platforms | |
| Other IntegrationsAPIs and plugins for custom and standard integrations | |
| DashboardDashboard for transaction management, refunds, and analytics |
Pros
- Wide range of payout methods supported.
- Strong fraud protection with risk management tools.
Cons
- Higher fees for cross-border payments.
- May be complicated regarding small businesses.
FAQ
What are the most popular Brazilian transaction methods?
Pix credit cards with Boleto Bancário are the most popular payout methods, with Pix seeing rapid adoption across online/in-person transactions.
How do payment gateways ensure transaction security?
Transaction gateways in Brazil typically comply with regulations like PCI-DSS plus LGPD. They also offer encryption, authentication plus fraud detection tools.
What factors should businesses consider when choosing a Brazilian transaction gateway?
Businesses should consider local preferences (e.g., installment payments), regulatory compliance, ease of integration plus fraud prevention features.
How does Pix impact the Brazilian payment gateway landscape?
Pix has transformed Brazil’s payment landscape by offering instant, free with 24/7 payments, driving financial inclusion and changing consumer behavior. Transaction gateways now need to integrate Pix to stay competitive.
