Pagar.me

What Pagar.me does

Pagar.me is a Brazilian online payment gateway and Payment Service Provider (PSP), founded in São Paulo in 2013 by Pedro Franceschi and Henrique Dubugras. Acquired by StoneCo in 2016, the company operates as Stone's dedicated technology platform for online merchants, processing payments across credit cards, Pix, boleto, and digital wallets while supporting PCI DSS Level 1 certified infrastructure, ISO/IEC 27001 information security practices, and LGPD data protection compliance. The platform is offered through four pricing plans (Plano Parcelado, Plano à Vista, Plano Flex, Plano Customizado) and monetizes primarily via transaction fees ranging from 4.39% on credit à vista to 25.29% on 12x installments, plus 1.19% on Pix and R$3.49 per paid boleto.

The product portfolio centers on a REST API (V5) and includes Checkout Pagar.me (hosted checkout), Split de Pagamento (marketplace payment distribution compliant with Banco Central regulations), Recorrência with Card Updater (subscription billing), Link de Pagamento (social commerce and cart recovery), Multiadquirência (multi-acquirer routing), Retentativa (automatic retry), tokenizecard.js (client-side tokenization), and the Hub Pagar.me integration marketplace connecting merchants to VTEX, Shopify, Nuvemshop, WooCommerce, Magento 2, Slack, and NFe.io. Anti-fraud is delivered through the Score Pagar.me risk scoring engine segmented by market niche and 3DS 2.0 authentication.

Pagar.me employs a hybrid go-to-market: self-service signup and developer-led integration for SMBs and startups, augmented by direct enterprise sales for custom plans featuring negotiated rates, multi-acquirer connectivity, and customizable anti-fraud rules. Distribution is concentrated in Brazil, with named customers spanning enterprise retail (Leroy Merlin, Casa & Video, Polishop, Usaflex), fintech and crowdfunding (Alipay, Catarse, Wedy), and digital products (Grupo Primo, Click Sophia). The customer base is part of the broader StoneCo ecosystem, which surpassed 4 million active clients in Q3 2024 and is recognized by Interbrand among Brazil's Most Valuable Brands.

Name

Pagar.me

Legal name

Pagar.me

Website

https://pagar.me

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Pagar.me is a Brazilian payment gateway and PSP, subsidiary of StoneCo, providing online merchants with credit card, Pix, boleto, and subscription payment processing via API and pre-built integrations with major e-commerce platforms across Brazil.

Ownership category

akta.pro rank

Product category

Online Payment Processing

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Online payment processing
• Payment gateway services
• Payment service provider
• E-commerce payments
• Digital payment platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Transaction Processing Fees: Pagar.me charges percentage-based fees on processed transactions including credit card (varying by installment plan), debit card, and Pix transactions. Fees vary by plan tier and payment method, with credit à vista rates around 4.39%-5.59% and installment rates ranging up to 21.59% for 12x payments. Pix transactions charged at approximately 1.19%.
2. Boleto Processing: Boleto payments incur R$3.49 per issued boleto, with additional fees if the boleto is paid. Zero cost for issuance, charges only on liquidation.
3. Subscription/Plan Fees: Merchant subscription plans (Pronto para usar and Customizado) provide access to platform features with different pricing tiers based on transaction volume and required features. Flex and Custom plans offer negotiated rates for higher-volume merchants.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Pagar.me operates a unified payment gateway and Payment Service Provider (PSP) platform that processes online transactions for Brazilian e-commerce merchants. It supports credit cards, debit cards, Pix, boleto, vouchers, and digital wallets, with integrated anti-fraud, hosted checkout, recurring billing, and marketplace payment-splitting capabilities, all delivered through REST APIs and pre-built integrations with major e-commerce platforms.

Product overview

Pagar.me is a digital payment technology subsidiary of StoneCo, operating as both a unified gateway and PSP (Payment Service Provider). The core platform encompasses payment processing across credit cards, Pix, boleto, and digital wallets, supported by anti-fraud, checkout, and recurring billing modules. Key modules include Checkout Pagar.me (hosted payment page), Split de Pagamento (marketplace payment splitting), Link de Pagamento (social media/link-based payments), Recorrência/Assinaturas (subscription engine), Hub Pagar.me (integration platform), tokenizecard.js (card tokenization), Multiadquirência (multi-acquirer routing), Retentativa (transaction retry), and Boleto DDA. The product portfolio is offered through four pricing tiers: Plano Parcelado (installment-focused), Plano à Vista (à vista-focused), Plano Flex (customizable), and Plano Customizado (enterprise with full features). In 2021, Pagar.me integrated the acquired Mundipagg gateway to expand high-customization offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Pagar.me Online Payment Platform Unified digital payment gateway and PSP platform processing credit/debit cards, Pix, boleto, vouchers, and digital wallets for Brazilian e-commerce merchants of all sizes.
• Checkout Pagar.me Hosted customizable checkout page offering frictionless online payment experience that retains customers within the merchant's environment and supports multiple payment methods.
• Split de Pagamento (Payment Split) Automated payment splitting feature for marketplaces that distributes receivables among multiple sellers with individual schedules, compliant with Banco Central do Brasil regulations.
• Link de Pagamento (Payment Link) Customizable payment link tool that lets merchants generate checkout URLs for social media selling, abandoned cart recovery, and personalized sales without requiring a full e-commerce site.
• Recorrência / Assinaturas (Subscriptions) Recurring payment engine supporting pre-paid and post-paid models, plan management, automatic retries, subscription splitting, and Card Updater to keep saved card data current.
• Antifraude (Anti-fraud) Integrated fraud protection system that automatically analyzes transactions, segments by market niche, blocks suspicious purchases, and includes Score Pagar.me risk scoring and 3DS 2.0 authentication.
• Hub Pagar.me Central integration platform connecting Pagar.me with third-party tools and e-commerce platforms (Shopify, VTEX, Nuvemshop, WooCommerce, Magento 2, Slack, NFe.io) for streamlined setup.
• Multiadquirência (Multi-acquirer)

Quantifiable outcome

• Over 90% payment conversion rate for merchants like Click Sophia
• +1 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• MundipaggcoreStrategic or Co-development Partner · 1 January 2021Mundipagg payment gateway incorporated into Pagar.me platform in 2021, expanding capabilities for merchants requiring high customization and flexibility. The merger broadened the platform's enterprise offering.
• VTEXcoreTechnology or IntegrationNative integration partnership allowing VTEX e-commerce merchants to connect Pagar.me payments through Hub Pagar.me platform with simplified configuration and webhook support.
• ShopifycoreTechnology or IntegrationOfficial Shopify app integration enabling Shopify merchants to accept payments via Pagar.me with checkout transparency, webhook synchronization, and feature activation through app dashboard.
• NuvemshopcoreTechnology or IntegrationIntegration with Nuvemshop platform serving 50,000+ Latin American brands. Provides card and boleto payment processing with transparent checkout using Nuvemshop's native interface.
• WooCommercecoreTechnology or IntegrationWordPress/WooCommerce plugin integration providing payment acceptance with Google Pay support, subscription compatibility via WooCommerce Subscriptions, and 3DS 2.0 pilot features.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Mercado Pago: Mercado Pago is the payments arm of MercadoLibre and the dominant online PSP in Brazil, offering gateway, acquirer, credit, and wallet services to merchants of all sizes. It is the most direct competitor to Pagar.me in Brazilian e-commerce payments.
• PagSeguro: PagSeguro (PagBank) is a Brazilian PSP and digital bank offering online checkout, gateways, and point-of-sale solutions to merchants. It competes head-to-head with Pagar.me in Brazilian e-commerce payment processing, especially among SMB merchants.
• EBANX: EBANX is a Latin American payment processor specializing in cross-border payments into Brazil, Mexico, and other LATAM markets. It serves global merchants selling into Brazil, overlapping with Pagar.me on Brazilian acquiring and payment method coverage.
• Stripe: Stripe is a global payment processor offering API-first gateway and PSP services to online businesses. While not Brazil-native, it serves developers and platforms selling into Brazil and competes for the same API-first e-commerce merchants as Pagar.me.
• Adyen: Adyen is a global unified payments processor providing gateway, acquiring, and risk services to enterprise merchants. It increasingly serves large Brazilian and LATAM merchants, competing with Pagar.me's Plano Customizado enterprise tier.

Emerging players

• Vindi: Vindi is a Brazilian recurring billing and online payment platform focused on subscription businesses. It overlaps with Pagar.me's Recorrência/Assinaturas product line for subscription-based merchants in Brazil.

Broad incumbents

• Cielo: Cielo is Brazil's largest card acquirer historically focused on physical POS but expanding into online payments. As a broad incumbent, it competes with Pagar.me on e-commerce acquiring with a wider product portfolio.
• StoneCo: StoneCo is Pagar.me's publicly-traded parent company and the broader Stone ecosystem offering POS, banking, and online payments. Relevant because Pagar.me operates as Stone's online technology arm and shares corporate, regulatory, and distribution infrastructure with it.
• Rede (Itaú): Rede is the card acquirer of Itaú Unibanco, providing online and POS payment processing across Brazil. As a broad incumbent affiliated with Brazil's largest private bank, it competes with Pagar.me for enterprise merchants and online volume.

Regional players

• PagBrasil: PagBrasil is a payment processor focused on enabling international merchants to accept Brazilian payment methods including Pix, Boleto, and local cards. It overlaps with Pagar.me on Brazil-rail coverage but from a cross-border-enablement angle.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/pagar_me
• GitHubgithub.com/pagarme
• YouTubeyoutube.com/@pagarmepagamentos
• Facebookfacebook.com/pagar.me
• LinkedInlinkedin.com/company/pagar-me
• Instagraminstagram.com/pagar.me

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pagar.me