Rede
Rede is one of the most prominent payment gateway providers in Brazil, owned by Itaú Unibanco. With deep integration into the Brazilian financial ecosystem, Rede offers comprehensive solutions for online, in-person, and mobile payments. It supports a wide range of payment methods, including Pix, boleto bancário, credit and debit cards, and contactless options.
The platform is widely used by retailers, e-commerce businesses, and service providers due to its strong presence, reliable infrastructure, and ability to process high transaction volumes with speed and security. Rede also provides point-of-sale (POS) terminals and intelligent tools for fraud prevention and reporting.
Its services are tailored for businesses of all sizes—whether you're a street vendor or a large online platform, Rede offers scalable tools, API integrations, and support to streamline payment acceptance and management. However, its focus is mainly on the Brazilian market, and international capabilities are limited.
| Characteristic | Details |
|---|---|
| Regions | Brazil |
| Getting started | Via Itaú account or online form |
| Setup Fee | None |
| Annual fee | Varies by business model |
| Commission per transaction | From 2.49% |
| Payment methods accepted | Credit, debit, Pix, boleto, NFC |
| Fraud & Risk management | AI-powered tools |
| Accepted Currencies | BRL |
| Set up type | Online / Assisted |
| Onboarding & Approvals time | 1–3 business days |
| Recurring Billing | Available |
| Charges on Refunds | Yes |
| SDK Stacks | Android, iOS, Web |
| Settlement time | From T+2 |
| Payouts support | Yes |
| Split payments | Available |
| RegionsBrazil | |
| Getting startedVia Itaú account or online form | |
| Setup FeeNone | |
| Annual feeVaries by business model | |
| Commission per transactionFrom 2.49% | |
| Payment methods acceptedCredit, debit, Pix, boleto, NFC | |
| Fraud & Risk managementAI-powered tools | |
| Accepted CurrenciesBRL | |
| Set up typeOnline / Assisted | |
| Onboarding & Approvals time1–3 business days | |
| Recurring BillingAvailable | |
| Charges on RefundsYes | |
| SDK StacksAndroid, iOS, Web | |
| Settlement timeFrom T+2 | |
| Payouts supportYes | |
| Split paymentsAvailable |
Pros
- Strong local support
- Pix and boleto support
- Trusted by large retailers
- Integration with Itaú accounts
Cons
- Limited international support
- Mixed feedback on customer service
- Refund fees apply
- Some delays in settlement
Benefits Of Using
Rede offers a comprehensive and reliable payment infrastructure tailored specifically for the Brazilian market. Its deep integration with Itaú Unibanco allows for faster settlements, secure transfers, and simplified fund management for merchants who already bank with Itaú. Businesses benefit from a full suite of payment methods, including Pix, boleto bancário, and card payments with instalments, which are essential for local consumers. In addition to payment acceptance, Rede provides valuable services such as detailed analytics, fraud prevention, and support for recurring billing, making it a robust solution for businesses looking to optimise payment operations.
The scalability of Rede's ecosystem is another strong point. Whether a merchant operates an online store, a chain of physical shops, or a mobile business, the platform offers suitable options—from SDKs and APIs for developers to portable POS terminals for in-person transactions. The platform’s uptime and performance are well-regarded in the industry, and many merchants appreciate the convenience of managing all their payments within a single system.
How To Get Started
To start using Rede, merchants can register online through the official website or initiate the process via an Itaú bank branch. After providing basic business information and undergoing KYC verification, account activation usually takes between one and three business days. Once approved, users receive access to a centralised management dashboard that includes transaction monitoring, reconciliation tools, and reporting capabilities.
Integration with websites or mobile apps is straightforward using Rede's API documentation and SDKs, which support multiple development environments including Android, iOS, and JavaScript. For physical businesses, Rede offers a selection of POS terminals, including smart devices that support contactless payments, barcode scanning, and receipt printing. Rede also supports split payments and recurring billing, which are useful features for subscription models and service-based businesses.
Review
Rede holds a strong reputation among Brazilian merchants for its technological reliability and consistent performance. Large national retailers, e-commerce companies, and logistics providers often choose Rede due to its scale and brand recognition. However, smaller merchants have occasionally reported issues with customer support responsiveness and delays in settlements during high-volume periods or bank holidays. On ReclameAqui, Rede maintains a rating of approximately 7.1/10, which suggests moderate user satisfaction. Positive feedback focuses on the variety of payment options and hardware quality, while criticism generally targets dispute handling and support efficiency.
Safety
Rede has prioritised payment security but has experienced isolated issues over the years. In 2019, the company was investigated after a vulnerability was discovered in older POS terminals that exposed some transaction metadata via insecure Bluetooth connections. No confirmed monetary theft was reported, but the incident raised questions about device-level security. In response, Rede rolled out a mandatory firmware update across its network and introduced encrypted Bluetooth pairing and PCI DSS Level 1 certification across all payment environments.
Since then, Rede has significantly improved its security posture. It implemented AI-based fraud detection mechanisms, continuous transaction monitoring, and biometric verification options for its latest-generation POS devices. According to Itaú’s 2023 annual report, Rede successfully reduced fraud-related incidents by 37% year-over-year. These improvements have helped rebuild trust among merchants and maintain compliance with Brazilian data protection laws (LGPD).
Account Fees
Rede does not charge a setup fee for standard online applications. However, its commission per transaction ranges from 2.49% to 3.49%, depending on the payment method and business volume. Additional costs may apply for hardware rental, chargebacks, and refund processing. Monthly fees for value-added services such as analytics and anti-fraud tools are also available depending on the merchant’s needs.
Although the fee structure is transparent, some small businesses report that refund processing fees can be relatively high, especially for low-margin products. It’s important for merchants to review the full pricing sheet before onboarding to avoid unexpected charges.
For Business
Rede is well-suited for businesses of all sizes that operate within Brazil. It is especially attractive for merchants who already bank with Itaú, as this streamlines settlements and reconciliations. The platform supports retail outlets, e-commerce platforms, service providers, and subscription businesses through its mix of digital tools and physical payment hardware.
Rede’s ability to scale with a business's growth makes it a preferred choice for companies with regional expansion plans. While its international functionality is limited, its performance in the domestic market is highly competitive, offering peace of mind for merchants prioritising security and regulatory compliance.
Which Type of Business
Rede is ideal for high-volume retailers, supermarkets, delivery and logistics firms, healthcare providers, and large e-commerce operations. It’s also compatible with SMEs in food services, salons, and entertainment sectors. Its modular pricing and flexible infrastructure allow businesses to adapt their payment tools as they grow, making Rede a sustainable long-term option for many industries.
Startups and microbusinesses may also find Rede attractive if they operate locally and need a trustworthy, easy-to-integrate solution. However, businesses targeting global markets or needing advanced multi-currency support may find better options elsewhere.
For Physical Clients
Rede’s POS devices are well-known in Brazil and offer a wide range of functionality for in-store transactions. From entry-level mobile card readers to fully featured smart terminals, Rede enables merchants to accept chip, NFC, QR, and Pix payments with ease. The POS network also supports loyalty program integration and receipt customisation, which are valued by customer-facing businesses.
In addition to hardware, Rede provides training resources and onboarding support to ensure smooth adoption by staff. For physical locations with high foot traffic, the speed and stability of Rede’s POS terminals help reduce queues and increase customer satisfaction. Many restaurant chains, retail shops, and personal service providers have adopted Rede as their preferred payment infrastructure.
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FAQ
Can I integrate Rede with my custom-built website or mobile app?
Yes, Rede provides robust developer documentation and SDKs compatible with major programming languages and frameworks. You can integrate Rede into websites built with custom stacks as well as mobile applications for Android and iOS. The gateway supports RESTful APIs and offers test environments for simulation before going live. This flexibility is particularly valuable for businesses with unique workflows or platforms that don’t rely on pre-built CMS or e-commerce engines.
How reliable is Rede’s payment processing during peak hours or seasonal spikes?
Rede’s infrastructure is built to handle high transaction volumes and is trusted by some of the largest retailers and service providers in Brazil. During seasonal peaks such as Black Friday or holiday sales, the platform generally performs well, with stable uptime and quick processing speeds. However, some users have reported isolated delays in settlements during these periods, particularly among smaller merchants without priority support. Rede continues to invest in server capacity and load balancing to improve reliability across all client tiers.
Is it possible to receive payouts faster if I use an Itaú account?
Yes, businesses that use Itaú Unibanco accounts often benefit from faster fund settlement compared to non-Itaú users. While the standard settlement time is typically T+2 business days, Itaú clients may receive payouts as early as the next business day, depending on the contract. Additionally, integration with Itaú allows for more efficient reconciliation, automatic fund transfers, and direct access to financial services like loans and insurance, all within the same ecosystem.
What happens if there’s a chargeback or a fraud dispute?
When a chargeback or fraud claim is initiated, Rede follows a standard dispute resolution process. Merchants are notified through their dashboard and are required to submit documentation to contest the charge. If the dispute is not resolved in the merchant’s favour, the transaction amount is debited from their balance, and an additional fee may apply. Rede offers optional fraud prevention tools (such as AI-based filters and transaction scoring) that help reduce the risk of such disputes in the first place. It is recommended that merchants enable these tools and maintain clear refund and delivery policies to protect their business.
Does Rede offer multi-language support in its dashboard and customer service?
Currently, Rede’s interface and customer support are primarily available in Portuguese, as its operations are focused exclusively on the Brazilian market. While the platform is user-friendly for native Portuguese speakers, international businesses may face a language barrier when navigating the admin panel or contacting support. There are unofficial browser translation plugins that can assist with this, but Rede does not yet offer native multi-language support. This is a key limitation for companies aiming to scale beyond Brazil.