Abacatepay

What Abacatepay does

AbacatePay is a Brazilian payment gateway specializing in PIX, credit card, and boleto processing, built for developers, SaaS companies, and micro-businesses. The platform offers a REST API (Base URL https://api.abacatepay.com/v2) with JSON payloads, Bearer Token authentication, HMAC-signed webhooks, and official open-source SDKs for Node.js, Python, PHP, Ruby, and Java. Core products include Checkout Transparente (embedded PIX QR without redirect), Assinaturas (recurring subscriptions with weekly/monthly/semi-annual/annual cycles), reusable payment links, and a product/customer management layer.

The business model is purely transaction-fee based with no monthly platform fee and no minimum volume. PIX is priced at a flat R$0.80 per transaction regardless of amount, credit cards at 3.5% + R$0.60, and boletos at R$2.50 (or R$0.80 if paid via embedded PIX). Settlement is instant for PIX, 32 days standard for cards with a D+2 early-payout option at 1.5% + R$0.80. Underlying processing is delivered through partnerships with Brazilian payment institutions Asaas, Pagar.me, Malga, and Woovi.

Go-to-market is API-first and product-led: self-serve onboarding at app.abacatepay.com with sandbox identical to production, CNPJ verification within an hour, and distribution through WooCommerce, n8n, Zapier, Make, and AI agent platforms via a native Model Context Protocol (MCP) server — a claimed first among Brazilian gateways. Primary customer segments are SaaS companies, micro-SaaS / solo founders, e-commerce, content creators, app developers, and education platforms. The company operates from São José dos Campos, Brazil, through ABACATEPAY TECNOLOGIA LTDA, with a US entity (AbacatePay LLC) and a team of 1-10.

Name

Abacatepay

Legal name

ABACATEPAY TECNOLOGIA LTDA

Website

https://abacatepay.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

AbacatePay is a Brazilian API-first payment gateway offering PIX, credit card, and boleto processing via REST API and open-source SDKs, targeting SaaS companies, micro-SaaS founders, e-commerce, and content creators with a flat R$0.80 per PIX transaction.

Ownership category

akta.pro rank

Product category

Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Nondepository Credit Intermediation (52229)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Billing, Subscription & Entitlement Management (IAP orchestration) (MPAFAJAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment gateway API
• PIX payment processing
• Developer payment tools
• Recurring subscription billing
• Brazilian online payments

Headquarters

HQ city

São José Dos Campos

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, Marketing or Sales, Infrastructure

Revenue model

1. PIX Transaction Fees: Fixed fee of R$0.80 per PIX transaction regardless of amount. Instant settlement available. No monthly fees or minimum volume requirements.
2. Credit Card Transaction Fees: 3.5% + R$0.60 per card transaction. 32-day settlement period. Early payout available with 1.5% fee + R$0.80, processing in D+2.
3. Boleto Transaction Fees: R$2.50 per paid boleto. If paid via PIX QR Code embedded in boleto, standard PIX rate of R$0.80 applies.
4. Withdrawal/Payout Fees: R$0.80 per withdrawal for first 20 per month. R$2.50 per withdrawal from 21st onward. Minimum withdrawal R$3.00. Instant processing 24/7.
5. Partnership Referral Program: R$0.10 fixed credit per valid transaction from referred merchant. Monthly payout on 20th, minimum R$3.00.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

AbacatePay is a Brazilian developer-first payment gateway that enables online businesses to accept PIX, credit card, and boleto payments through a single REST API. The platform delivers Checkout Transparente (embedded PIX QR Code without redirect), recurring subscriptions (Assinaturas), reusable payment links (Link de Pagamento), and a proprietary MCP Server for AI agent financial operations. Pricing is pay-as-you-go with no monthly platform fees, no minimum volume, and a flat R$0.80 per PIX transaction.

Product overview

AbacatePay is a Brazilian payment gateway platform providing Pix, credit card, and bank slip payment processing with a focus on SaaS, Micro-SaaS, and developers. The core platform offers Checkout (hosted payment page), Checkout Transparente (embedded checkout with Pix QR Code), Link de Pagamento (reusable payment links), Assinaturas (recurring subscriptions), and API access. Supporting features include Webhooks for real-time notifications, Cupons (discount coupons), Customer Management, Product Catalog, TrustMRR (public revenue transparency API), Saques (payouts/withdrawals), Transferências PIX (third-party transfers), and Módulo de Disputas (dispute resolution). Developer tools include Open Source SDKs (Node.js, Python, PHP, Ruby, Java), MCP Server for AI agents, and llms.txt for AI-readable documentation. Integration ecosystem covers WooCommerce (official plugin), n8n, Zapier, Make, Claude (MCP), ChatGPT, Lovable, and Cursor.

Differentiator

Problem solved

Functional benefit

Products and services

• Gateway de Pagamento (Payment Gateway Platform) Core payment gateway platform enabling online Brazilian merchants to accept PIX, credit card, and boleto payments via an API-first architecture for SaaS, e-commerce, and digital businesses.
• Assinaturas (Subscriptions) Recurring payment management product supporting weekly, monthly, semi-annual, and annual billing cycles via PIX (R$0.80) or credit card (3.5% + R$0.60), with automatic notifications for failed charges. Targeted at SaaS, EAD, and subscription-based digital businesses.
• Link de Pagamento (Payment Links) Reusable payment links shareable via WhatsApp, email, or social media for one-time or multiple payments without requiring a website. Targeted at content creators, professionals, and small merchants.
• Checkout Transparente (Transparent Checkout) Embedded checkout that displays the PIX QR Code and credit card form directly on the merchant's website without redirect, increasing conversion and reducing abandonment. Returns brCode copy-paste and brCodeBase64 PNG with instant webhook confirmation.
• Open Source SDKs Official open-source SDKs for Node.js, Python, PHP, Ruby, and Java published on GitHub at github.com/AbacatePay, enabling developers to integrate the payment API with language-native idioms and audit the implementation.
• MCP Server (Model Context Protocol Server) Model Context Protocol server enabling AI agents (Claude, ChatGPT, Lovable, Cursor) to autonomously create charges, send PIX transfers, and check balances. First Brazilian payment gateway with native MCP integration.
• WooCommerce Plugin Official AbacatePay plugin for the WooCommerce WordPress e-commerce platform. Install, configure with an API key, and accept PIX and credit card payments directly in the WooCommerce checkout.
• AbacateChat AI-powered virtual assistant hosted at chat.abacatepay.com that helps users integrate AbacatePay by answering questions on API usage, configuration, and automation setup.

Quantifiable outcome

• R$0.80 fixed fee per PIX transaction regardless of amount (vs percentage-based competitors)
• +3 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability4 records

Feature6 records

Partnerships

13 partnerships are on record, tiered core.

• AsaascoreTechnology or IntegrationFinancial institution partner for subaccount creation, processing, settlement, and custody of transaction values. Subaccount created for each user upon registration.
• Pagar.mecoreTechnology or IntegrationPayment institution partner for subaccount infrastructure, transaction processing, and payment custody.
• MalgacoreTechnology or IntegrationPayment institution partner for subaccount creation and transaction processing infrastructure.
• WoovicoreTechnology or IntegrationPayment institution partner for subaccount infrastructure supporting transaction settlement and custody.
• n8ncoreTechnology or IntegrationWorkflow automation platform with native webhook and HTTP request support for AbacatePay API. Enables no-code payment automations.
• ZapiercoreTechnology or IntegrationAutomation platform integration via webhooks, enabling no-code connections between AbacatePay and 5,000+ apps.
• WooCommercecoreTechnology or IntegrationOfficial AbacatePay plugin for WooCommerce WordPress e-commerce platform. Enables PIX and card payments in checkout.
• WordPresscoreTechnology or IntegrationPlatform ecosystem through WooCommerce plugin, serving millions of WordPress e-commerce sites.
• Claude (Anthropic)coreTechnology or IntegrationMCP Server enables Claude AI agent to autonomously create charges, send PIX transfers, and check balances through AbacatePay.
• ChatGPT (OpenAI)coreTechnology or IntegrationMCP Server integration allowing ChatGPT to perform autonomous financial operations via AbacatePay.
• LovablecoreTechnology or IntegrationNo-code platform for building apps with AI. AbacatePay API integrates with generated React/Next.js apps.
• GitHubcoreTechnology or IntegrationOpen source code hosting for all AbacatePay SDKs (Node.js, Python, PHP, Ruby, Java), WooCommerce plugin, n8n integration, and MCP Server.
• DiscordcoreChannel Partner/ Reseller/ DistributorCommunity platform hosting 50,000+ members. Primary support channel and ecosystem hub.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stripe: Global developer-first payment processor with API-first architecture, strong developer experience, and transparent pricing. Multiple AbacatePay testimonials reference Stripe as the benchmark for ease of integration, indicating direct product/positioning parity at a smaller geographic scope.
• Woovi: Brazilian PIX-focused payment gateway offering API-based acceptance for developers and businesses. Direct competitor in the same PIX-first, developer-oriented niche and also listed as an infrastructure partner of AbacatePay, making it both a competitor and a collaborator.
• Pagar.me: Brazilian payment processor offering online payment acceptance via API with PIX, card, and boleto. Listed as a core payment institution partner of AbacatePay but also a direct competitor for merchant-facing payment processing in Brazil.
• Juno: Brazilian fintech offering developer-oriented payment processing with API, PIX, card, and boleto support. Targets SMB and SaaS merchants with transparent pricing — directly comparable positioning to AbacatePay's developer-first GTM.
• Asaas: Brazilian fintech providing payment processing, PIX, boletos, and subscriptions via API for SMBs and developers. Functions as both an infrastructure partner for AbacatePay's subaccount creation and a competing end-to-end payment platform.

Broad incumbents

• Stone (Stone Co.): Major Brazilian payments company originally focused on POS acquiring, now expanding into online payments, banking, and software. Overlaps with AbacatePay's online card/PIX processing but operates at much larger scale with a different primary channel (POS).
• Mercado Pago: Largest payment processor in Latin America, part of Mercado Livre. Offers PIX, card, and integrated checkout with massive scale, broad consumer base, and significant pricing power — the dominant incumbent competing for the same Brazilian SMB and developer merchants.
• PagBank PagSeguro: Established Brazilian payment processor offering card, PIX, and boleto processing for online and offline merchants with a wide product portfolio. Competes for the same SMB payment processing segment but with broader scope and stronger brand.
• Cielo: Largest Brazilian card acquirer offering payment processing solutions including online, POS, and e-commerce. Broad incumbent in the same overall payment processing market but primarily known for traditional acquiring rather than developer-first API offerings.

Emerging players

• Malga: Brazilian payment infrastructure provider offering developer-friendly APIs for payment orchestration and processing. Direct competitor in the developer-PSP layer and listed as a payment institution partner of AbacatePay.

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/AbacatePay
• Xx.com/abacatepay
• LinkedInlinkedin.com/company/abacatepay

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 Abacatepay