Getnet

What Getnet does

Getnet is a Brazilian merchant acquiring and payment technology company, wholly owned by Banco Santander Brasil within Grupo Santander. Founded in 2003 and headquartered in São Paulo (with a technology presence in Florianópolis via the 2021-acquired Eyemobile unit), the company operates as one of the top five merchant acquirers in Brazil alongside Cielo, Rede, Stone, and PagSeguro, processing approximately 4 billion transactions in Q1 2026 across Latin America and Iberia. Its core product set combines physical point-of-sale terminals (Get Mini, Get Clássica, Get Smart), a mobile software-based card reader (Get Tap), e-commerce checkout (Get Checkout), payment links (Link de Pagamento), a digital account (Get Conta, powered by Dock), Pix instant payments, recurring billing subscriptions, TEF automation, split payments, working-capital loans, and installment sales (crediário up to 48x), all accessible through the SuperGet Mobile app and the Get Store developer portal.

The platform supports debit, credit (up to 12x installments), Pix, QR codes, and NFC contactless payments across more than 80 card brands, with PCI DSS, ISO 27001, ISO 27005, BACEN Resolution 4658, and Tier IV data center certifications underpinning compliance. Monetization is primarily transaction-fee based (debit 1.69%, credit 3.69%, installments 7.98%–12.88%), supplemented by hardware rental fees, subscription pricing for the recurring payments platform (R$100–R$130/month), digital account services, and merchant credit income. Distribution combines self-service digital onboarding, telephone sales, WhatsApp outreach, e-commerce platform integrations (Shopify, VTEX, Magento, WooCommerce, Nuvemshop, Wix, Tray, Prestashop), and referrals through Santander Brasil's branch network.

In 2026, Getnet launched AI agent-initiated payments infrastructure — an open, interoperable capability enabling merchants to accept payments from autonomous AI agents — alongside AI-driven fraud detection, credit analytics, content generation, and recommendation engines. The company has invested in sustainability (carbon-neutral since 2016, recycled card reader components, plastic-free operations) and holds GPTW certification. Strategic acquisitions of Minestore and Eyemobile in 2021 extended capabilities into e-commerce and SMB management, while leadership transitioned to CEO Pedro Coutinho following the departure of former CEO Kush Saxena.

Name

Getnet

Legal name

GETNET ADQUIRENCIA E SERVIÇOS PARA MEIOS DE PAGAMENTO S/A

Website

https://site.getnet.com.br

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Getnet is the merchant acquiring arm of Grupo Santander in Brazil, providing card terminals, mobile payments, digital accounts, and payment processing to SMBs, micro-businesses, and enterprise merchants across Latin America.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Processing & Acquiring Infrastructure (FSAGABAC)

akta.pro secondary industries

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)

Keywords

• Merchant acquiring
• Payment processing
• Card machines
• Digital payments
• POS terminals

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction fees (Maquininha de cartão): Getnet charges percentage-based fees on each card transaction processed through its POS terminals. Rates vary by payment method: debit at 1.69%, credit à vista at 3.69%, and installment rates increasing from 7.98% (2x) up to 12.88% (12x). This is the primary revenue stream.
2. Monthly rental fees for card readers: Merchants who do not meet minimum monthly sales thresholds pay rental fees for their card reading devices: R$14.90/month for Get Mini, R$79.90/month for Get Clássica, and R$129.90/month for Get Smart.
3. Digital account and financial services: Getnet offers a digital account (Get Conta) with a free card and Pix support, in partnership with Dock Soluções em Meios de Pagamento. Additional services include loans, credit, and installment sales (crediário) generating interest and fee income.
4. Recurring payment platform subscriptions: Subscription plans for recurring payment management: Essencial at R$100/month for up to 150 transactions (R$0.80 per additional transaction) and Flexível at R$130/month (R$0.90 per additional transaction). Revenue from businesses using subscription billing models.
5. Link de Pagamento and Checkout: Revenue from online payment links and e-commerce checkout solutions, charging transaction fees for digital sales processed through the Getnet platform.
6. TEF solutions: Enterprise-grade POS and TEF automation solutions for larger merchants, potentially with setup and monthly service fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Getnet is a payment technology company and merchant acquirer operating as the global merchant payments platform of Grupo Santander, providing payment acceptance solutions to merchants across Brazil and Latin America. Its core offerings include physical card-reading terminals (Get Mini, Get Clássica, Get Smart), a mobile-based card reader (Get Tap), e-commerce checkout (Get Checkout), payment links (Link de Pagamento), a digital account (Get Conta), recurring billing, and value-added financial services such as loans and installment sales (crediário).

Product overview

Getnet is a technology payments company and global merchant payments platform owned by Grupo Santander, offering a comprehensive suite of payment solutions for Latin America and Iberia. The product portfolio operates as a multi-module payment platform combining physical POS terminals (Get Mini, Get Clássica, Get Smart) with mobile payment solutions (Get Tap), digital payment tools (Link de Pagamento, Get Checkout), and value-added services (Recurring Payments, Loans, Crediário, Split). Core infrastructure includes Get Conta digital account, Pix instant payments, and TEF automation solutions, all accessible through the Get Store developer platform. The platform processes billions of transactions annually and serves both physical and online merchants across Brazil and Latin America.

Differentiator

Problem solved

Functional benefit

Brands

• SuperGet Mobile: Mobile application for card payments and business management
• Get Tap
• Get Conta
• Get Checkout
• Get Store
• Link de Pagamento

Products and services

• Maquininha de Cartão (Card Reader Terminals) Physical point-of-sale card payment terminals that accept debit, credit (à vista and installments up to 12x), and Pix payments across multiple card brands, targeted at merchants ranging from individual entrepreneurs to medium businesses.
• Get Tap Mobile payment solution that turns a smartphone into a card acceptance device via NFC, enabling merchants to accept debit, credit (up to 12x), and Pix payments without rental fees or dedicated hardware.
• Link de Pagamento (Payment Link) Digital payment link solution enabling merchants to sell remotely via social media and messaging platforms, supporting debit, credit, Pix, and digital wallets with no monthly fees.
• Get Checkout Complete e-commerce payment solution providing merchants with a checkout experience that includes antifraud protection and no additional transaction fees for online stores.
• Get Conta (Digital Account) Digital payment account with a free card and Pix support, integrated with the Getnet ecosystem for seamless fund management and payment acceptance for merchants.
• Pix Acceptance Solution Instant Pix payment solution integrated with Getnet terminals enabling fast QR code and NFC-based Pix transactions for merchants.
• Pagamentos Recorrentes (Recurring Payments) Subscription and recurring payment management platform enabling businesses to collect periodic charges without re-entering card details, with intelligent retry for failed transactions.
• Empréstimo (Business Loan) Business credit solution enabling merchants to access working capital loans based on their transaction history and business profile.
• Crediário (Installment Sales) Installment sales solution allowing merchants to offer customer financing in up to 48 installments with automated credit assessment.
• Split de Pagamentos Automated division of sales revenue across multiple recipients, designed for marketplace and platform business models.
• Soluções TEF (Electronic Funds Transfer) End-to-end POS automation solution accepting over 80 card brands with automatic reconciliation, targeted at larger merchants and retail chains.
• Gestão de Vendas (Eye / Sales Management) Integrated sales management platform covering inventory, order, kitchen/operations, and customer service management, consolidating business tools on a single platform.
• Get Store Developer Platform Developer platform and marketplace providing API access, integration documentation, and automation solutions for developers integrating Getnet payment products.

Quantifiable outcome

• 4 billion transactions processed in Q1 2026
• +5 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability11 records

Feature10 records

Partnerships

Three partnerships are on record, tiered minor and core.

• EyemobileminorStrategic or Co-development Partner · 17 May 2021Getnet acquired Eyemobile, a Florianópolis-based startup focused on management solutions for small and medium-sized businesses. The acquisition aimed to integrate management tools (inventory, orders, kitchen/operations) into Getnet's single platform, strengthening its SME segment offerings. This was Getnet's second acquisition in the first half of 2021, following its controlling interest in Minestore.
• MinestoreminorStrategic or Co-development Partner · 1 January 2021Getnet acquired a controlling interest in Minestore, a startup providing e-commerce and digital solutions. This acquisition was part of Getnet's strategy to expand its technology offerings for the SME segment in Brazil, preceding the Eyemobile acquisition.
• Dock Soluções em Meios de Pagamento S.A.coreTechnology or IntegrationGetnet partners with Dock to provide a digital payment account (Get Conta) with free card and Pix support. Dock provides the underlying account infrastructure, card issuance, and SPB (Brazilian Payment System) integration, while Getnet manages the merchant relationship and payment acceptance. Getnet also shares data with Banco Votorantim for SPB account individualization.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Cielo: Brazil's largest merchant acquirer and Getnet's primary direct competitor. Cielo serves similar SMB and enterprise merchant segments with comparable POS terminal, e-commerce, and digital payment offerings across Brazil.
• Stone Co. Major Brazilian merchant acquirer with strong SMB and micro-merchant focus, offering POS terminals, payment links, digital accounts, and credit products. Stone's product portfolio and target customer base closely mirror Getnet's.
• PagSeguro: Brazilian payment processor and acquirer offering POS terminals, online checkout, digital accounts, and credit solutions. PagSeguro competes directly with Getnet across SMB acquiring, e-commerce, and digital banking.
• Rede (Itaú): Brazilian merchant acquirer owned by Itaú Unibanco, offering POS terminals, e-commerce solutions, and payment links to SMBs and enterprise merchants. Rede competes head-to-head with Getnet in the Brazilian acquiring market.
• Mercado Pago: Payments arm of Mercado Libre operating across Brazil and Latin America, offering acquiring, POS, digital accounts, credit, and QR code payments. Mercado Pago's multi-product platform and SMB focus are directly comparable to Getnet.
• EBANX: Latin American-focused payment processor serving global merchants entering Brazil and other LATAM markets, as well as LATAM merchants selling cross-border. EBANX competes with Getnet's payment link and e-commerce solutions for digital and cross-border flows in Brazil.

Broad incumbents

• Adyen: Global payment processor offering unified acquiring, online and in-person payment processing for enterprise merchants. While Adyen focuses on larger merchants than Getnet, it competes for enterprise Brazilian accounts and represents the global benchmark for omnichannel acquiring infrastructure.
• Stripe: Global online payment processor serving internet businesses and platforms. Stripe competes with Getnet's e-commerce checkout (Get Checkout) and payment link products for online Brazilian merchants and enterprises expanding into the region.
• Block (Square): Global payments company offering Square POS hardware, seller software, and Cash App. Block's SMB-focused hardware and software stack is conceptually parallel to Getnet's maquininha + Get Store ecosystem.

Others

• Dock: Brazilian payments infrastructure provider that powers Getnet's Get Conta digital account via a partnership. Dock also serves other acquirers and fintechs with card issuance, account infrastructure, and SPB integration, making it both an infrastructure partner and adjacent competitor in Brazilian payments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/getnetbrasil
• LinkedInlinkedin.com/company/getnet-br

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Getnet