iPag Pagamentos Digitais

What iPag Pagamentos Digitais does

iPag Pagamentos Digitais S.A. is a privately held Brazilian payment service provider and gateway founded in 2017 and headquartered in Pres. Prudente, São Paulo state, Brazil. The company operates a unified payment infrastructure that enables merchants to accept credit card, PIX, and boleto bancário transactions through a single contract, with integrated PCI DSS–compliant security and LGPD-aligned data handling. iPag's core technology stack includes a REST API, webhooks for real-time transactional events, card tokenization for one-click purchases, transparent checkout, recurring billing automation, split-payment orchestration for marketplaces, payment-link generation for remote sales, and a real-time antifraud engine with 3DS authentication.

iPag operates a dual commercial model. The PSP tier charges transaction-based take rates (credit card MDRs from 3.09% on 1x installments up to ~19% on 18x installments, debit at 2.49%, PIX at 0.59%, boleto at R$1.79 per ticket) with no enrollment or fixed monthly fee, while the Gateway tier offers fixed monthly subscription plans with bundled transaction volumes for higher-volume merchants. Distribution is primarily through self-service signup (cadastro.ipag.com.br), direct WhatsApp inside sales, and 18+ native e-commerce platform integrations including Nuvemshop, Magento, WooCommerce, PrestaShop, OpenCart, Wake Commerce, Irroba, Wbuy, and CommercePlus. The company is co-founded and led by CEO Guilherme Dutra with Juan Musso serving as Data Protection Officer, employs 11–50 people, and reports serving more than 20,000 companies throughout Brazil as of 2026. No venture capital, private equity, or institutional funding rounds have been disclosed, and revenue is not publicly reported.

Name

iPag Pagamentos Digitais

Legal name

iPag Pagamentos Digitais S.A.

Website

https://ipag.com.br

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

iPag Pagamentos Digitais is a Brazilian PSP and payment gateway founded in 2017 that enables SMB e-commerce, subscription, and marketplace merchants to accept credit card, PIX, and boleto transactions via a single contract, unified API, and 18+ platform integrations, serving 20,000+ Brazilian merchants.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (513210)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

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

akta.pro secondary industry

Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)

Keywords

• Payment gateway services
• Digital payment processing
• Credit card processing
• Online payment solutions
• Payment service provider

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, Operations, Infrastructure, Marketing or Sales

Revenue model

1. PSP Transaction Fees: In the PSP model, clients pay only percentage or fixed fees per approved transaction (credit card, boleto, or PIX). No enrollment fee or fixed monthly charge. This is the primary revenue stream for most small to medium merchants.
2. Gateway Monthly Plans: In the Gateway model, operation is structured in fixed monthly plans with included transaction volumes, suitable for higher-volume merchants seeking more predictable costs.
3. Credit Card Processing Fees: Percentage fees on credit card transactions, varying by installment count and merchant monthly volume (from 3.09% for 1x to 19.88% for 18x installments on some cards). Additional R$0.29 per transaction processing fee.
4. PIX Processing: 0.59% fee on PIX transactions with R$0.59 minimum charge per transaction.
5. Boleto Bancário: Fixed R$1.79 fee per boleto transaction processed.
6. Debit Card Processing: 2.49% fee on debit card transactions with R$0.29 per transaction processing fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

iPag is a Brazilian payment service provider (PSP) and payment gateway that enables merchants to accept credit card, PIX, and boleto payments. It operates two commercial models — a transaction-based PSP model and a subscription-based Gateway model — and offers features such as recurring billing, payment links, split payments, transparent checkout, and a mobile management app.

Product overview

iPag Pagamentos Digitais is a Brazilian Payment Service Provider (PSP) and payment infrastructure company offering a dual-model platform: PSP (transaction-based pricing) and Gateway (subscription-based plans). The core offering combines credit card, PIX, and boleto processing with integrated antifraud. The product portfolio includes specialized modules for recurring billing/subscriptions, payment links for remote sales, Split de Pagamentos for marketplace commission distribution, transparent checkout for frictionless purchasing, tokenization for secure one-click payments, a mobile app for in-app payments, Billing Descriptor for branded card statements, and API integration for custom implementations. All solutions share a unified dashboard and security infrastructure under PCI DSS compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• iPag Payment Gateway Subscription-based payment gateway that lets Brazilian merchants accept credit cards, PIX, and boleto via API and checkout integrations, including recurring billing, split payments, transparent checkout, and payment links.
• iPag PSP (Payment Service Provider) Transaction-based full-service payment processing in which iPag handles the merchant account, acquiring, and processing of credit card, PIX, and boleto payments on behalf of merchants.
• iPag Mobile App Mobile application for iOS and Android that allows merchants to monitor transactions, manage accounts, and access payment operations on the go.

Quantifiable outcome

• Customer default/inadimplência rates reduced from ~30% to under 5%
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability2 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core.

• NuvemshopcoreTechnology or Integration · 27 June 2022Strategic integration partnership making iPag's payment solutions available to Nuvemshop's 100,000+ active stores in Latin America. Enables merchants to accept credit card, PIX, and boleto payments with competitive rates through native platform integration.
• HubsoftcoreTechnology or IntegrationNative integration partnership with Hubsoft, enabling merchants using Hubsoft's management system to process payments through iPag.
• PrestaShopcoreTechnology or IntegrationOfficial plugin integration for PrestaShop platform, enabling seamless payment processing for PrestaShop e-commerce stores.
• Magento (versions 1 and 2)coreTechnology or IntegrationProprietary installation modules for Magento versions 1 and 2, providing certified payment integration for Magento e-commerce stores.
• WooCommerce (WordPress)coreTechnology or IntegrationOfficial integration for WooCommerce/WordPress platforms, enabling payment processing for WordPress-based online stores.
• OpenCartcoreTechnology or IntegrationInstallation module integration for OpenCart platform, enabling payment acceptance for OpenCart e-commerce stores.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Stripe: Global payments platform with growing presence in Brazil serving SMBs, SaaS, and marketplaces. Comparable API-first, developer-oriented product, but with vastly broader global scale.
• Cielo: Brazil's largest card acquirer offering payment processing for online and POS channels. Competes with iPag's Gateway offering as a much larger incumbent with established acquirer relationships and enterprise focus.
• EBANX: Latin American payment processor offering cross-border and domestic processing across Brazil, Mexico, and other LATAM markets. Comparable PSP model with stronger international reach.
• Rede (Itaú): Brazilian acquirer owned by Itaú Unibanco, offering online and in-person payment processing. Comparable on card processing and gateway, but with a much larger parent and stronger enterprise positioning.

Direct peers

• Mercado Pago: Payments arm of Mercado Livre offering online checkout, credit/PIX processing, and merchant financing across Latin America. Competes with iPag for the same SMB and marketplace merchants in Brazil, but with much larger scale and balance sheet.
• Asaas: Brazilian PSP focused on PIX, boleto, and credit-card processing for SMBs and subscription businesses. Highly comparable on target segment, payment-method mix, and recurring-billing product.
• Zoop: Brazilian payment platform offering white-label PSP and gateway services for marketplaces, fintechs, and digital businesses. Strong functional overlap with iPag's split-payments and API capabilities.
• PagBank / PagSeguro: Brazilian PSP and acquirer offering payment gateway, POS, and digital account services to SMB and mid-market merchants. Closest direct competitor to iPag given overlapping SMB and e-commerce target market and similar Brazilian payment-method coverage.
• Juno (Stone Co.): Brazilian payment platform under Stone Co. offering APIs and gateway for digital businesses, with strong focus on marketplaces and split payments. Direct functional overlap with iPag's PSP and split-payments capabilities.
• Pagar.me (Stone Co.): Brazilian PSP and acquirer under Stone Co. serving e-commerce and digital businesses with card/PIX/boleto processing and split payments. Directly competes with iPag on API-first payments, gateway, and marketplace features.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@iPagPagamentosDigitais
• Facebookfacebook.com/ipagpagamentosdigitais
• LinkedInlinkedin.com/company/ipagpagamentosdigitais
• Instagraminstagram.com/ipagpagamentosdigitais

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 iPag Pagamentos Digitais