IOPAY

What IOPAY does

IOPAY is a Brazilian payment gateway and fintech founded in 2019 and headquartered in São Paulo (Itaim Bibi), operating under the legal entity IOPAY SOLUCOES EM PAGAMENTO LTDA. (CNPJ 19.786.646/0001-74). The company provides an end-to-end payment acceptance stack for Brazilian merchants, covering both online and in-person sales channels. Online, IOPAY offers a REST-based payment API with Bearer Token authentication and JSON responses, official SDKs in Node.js, PHP, Java, Python, and Bubble, transparent checkout plugins for Magento (1/2), WooCommerce, OpenCart, OpenMage, Bubble, and Drupal, plus shareable payment links and embeddable payment buttons. In-person, it sells and rents two PCI PTS 4.x certified card terminals: IO PRO (countertop with 4G/WiFi, NFC, integrated printer) and IO Pocket I (Bluetooth mobile reader for autonomous sellers).

The platform processes the dominant Brazilian payment methods — credit and debit cards (Visa, Mastercard, Elo, Amex, Hipercard, plus vouchers), PIX (QR Code and Copy/Paste), and boleto bancário — and supports installments up to 12x. IOPAY monetizes through transaction-based take rates that vary by method and payout speed: 3.44-4.99% on credit card, 1.19% on PIX, R$3.50 per paid boleto, plus optional chargeback insurance and POS terminal rental/sale. Settlement timelines range from D+1 (POS, full anticipation) to D+30 (standard), with custom pricing for merchants processing over R$100,000 monthly. The platform runs on AWS infrastructure, integrates third-party fraud partners Konduto and Clearsale alongside an in-house AI antifraud layer, and operates under PCI DSS 4.0 (version 4.02) certification. A free digital account (Conta Digital IO) bundles sales reporting, reconciliation, and bank transfers.

IOPAY serves three primary customer segments: e-commerce merchants (SMB and mid-market online retailers integrating via API or plugins), physical retail and service businesses (using IO PRO terminals), and autonomous professionals and mobile sellers (using IO Pocket I). Distribution is hybrid: self-serve digital onboarding, developer documentation, e-commerce platform plugin marketplaces, and inside-sales consulting for high-volume merchants. A referral program and a social impact initiative ("Todos por um Mundo Melhor", donating to GRAAC, ARCAH, and Instituto Dr. Klaide) supplement customer acquisition. The company employs 11-50 people, has not disclosed funding rounds, and shows no parent company or institutional investor in available records.

Name

IOPAY

Legal name

IOPAY SOLUCOES EM PAGAMENTO LTDA.

Website

https://iopay.com.br

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

IOPAY is a Brazilian payment gateway founded in 2019 and based in São Paulo, offering online (REST API, SDKs, e-commerce plugins) and in-person (IO PRO, IO Pocket I) payment processing for SMB e-commerce merchants, physical retailers, and autonomous professionals across Brazil.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

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

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

Keywords

• Online payment gateway
• POS terminal solutions
• Payment processing API
• E-commerce checkout plugins
• Brazilian fintech payments

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: IOPAY charges percentage-based fees on each successful transaction processed. Rates vary by payment method (credit card, PIX, boleto) and plan type (with or without early payout). Credit card fees range from 3.44% to 4.99% depending on installment plan, PIX at 1.19%, and boleto at R$3.50 per paid ticket.
2. POS Terminal Rental: IO PRO terminal is offered via rental model with decreasing rental fees based on transaction volume. IO Pocket I is available for purchase at R$69 or 12x R$5.99.
3. Chargeback Insurance (Optional): Optional anti-fraud insurance plan with chargeback protection for merchants operating in high chargeback risk segments, charged separately upon consultation.
4. Custom Enterprise Pricing: For merchants processing over R$100,000 per month, custom pricing plans are negotiated with specialized rates and early payout options.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

IOPAY provides electronic payment infrastructure for Brazilian merchants, including an online payment gateway (REST API with SDKs for Node.js, PHP, Java, Python, and Bubble), transparent checkout plugins for major e-commerce platforms, payment links and buttons, and POS terminals (IO PRO and IO Pocket I) for in-person transactions. The platform processes PIX, credit and debit cards (installments up to 12x), and boleto bancário, with integrated AI-powered anti-fraud and PCI DSS 4.0 compliance.

Product overview

IOPAY is a Brazilian payment gateway and financial technology company offering a comprehensive suite of payment solutions for both online and in-person transactions. The core offering consists of a REST-based Payment API with official SDKs for Node.js, PHP, Java, Python, and Bubble, complemented by transparent checkout plugins for major e-commerce platforms including Magento (1 and 2), WooCommerce, OpenCart, OpenMage, Drupal, and Bubble. For online payments, merchants can also use Payment Links and Payment Buttons for quick integration without coding. For in-person sales, IOPAY provides two card machine (POS) products: IO PRO for commerce businesses with high transaction volumes, and IO Pocket I for freelancers and mobile sellers. All solutions include a free digital account for sales management and reporting. The company operates multiple pricing plans including Start (D+30), Pro (D+10 early payout), and Total Anticipation (D+2) for online payments, and Economic and Anticipated plans for card machines. IOPAY differentiates through integrated AI-powered antifraud, PCI DSS compliance, and a social responsibility program.

Differentiator

Problem solved

Functional benefit

Products and services

• Gateway de Pagamentos IOPAY Online payment gateway providing API integration, SDKs, payment links, and checkout plugins for e-commerce platforms. Supports credit card (à vista and installments up to 12x), PIX (QR Code and Copy/Paste), and Boleto processing with integrated antifraud. Built for Brazilian online merchants and e-commerce businesses.
• API de Pagamentos REST API enabling custom payment integrations for apps, websites, and software. Features Bearer Token authentication, JSON responses, webhooks for transaction notifications, and sandbox environment for testing. Targeted at developers and technology teams building custom payment experiences.
• SDK IOPAY Official Software Development Kits for Node.js, PHP, Java, Python, and Bubble platform to facilitate payment integration with IOPAY gateway. Reduces implementation time with standardized code and practical examples. Targeted at developers integrating with the IOPAY API.
• Link de Pagamento Payment link feature allowing merchants to create shareable payment URLs for sending via WhatsApp, social media, or email. Customers complete payment via the hosted checkout page without requiring a website or physical card machine. Targeted at merchants without e-commerce sites.
• Botão de Pagamento HTML-embeddable payment button for quick integration into websites. Opens a customized checkout page with merchant branding, supporting credit card, PIX, and Boleto payments. Targeted at small merchants needing simple website integration.
• Plugins para E-commerce (Checkout Transparente) Official checkout plugins for major e-commerce platforms including Magento (1 and 2), WooCommerce, OpenCart, OpenMage, Bubble, and Drupal. Features transparent checkout with PCI DSS compliance and integrated antifraud. Targeted at e-commerce merchants using these platforms.
• IO PRO POS Terminal Professional card machine (POS terminal) for commerce businesses with high sales volumes. Features WiFi and 4G connectivity, 3.5-inch touchscreen, integrated printer, 2600mAh battery, and PCI PTS 4.x certification. Supports NFC, magnetic stripe, smart card payments, and all major card brands including vouchers (Alelo, Ticket VR). Available via rental with volume-based decreasing rates.
• IO Pocket I POS Terminal Portable card machine for freelancers and mobile businesses. Connects via Bluetooth to Android mobile devices. PCI PTS 4.x certified, lightweight design for autonomous professionals and small businesses. Available for purchase at R$69 or 12x R$5.99, free for merchants processing over R$2,500/month.
• Conta Digital IO Free digital account for managing sales, viewing transaction reports, performing reconciliations, and executing bank transfers. Includes dashboard for tracking receivables and scheduled/automated transfer capabilities. No monthly maintenance fees. Provided to all IOPAY merchants.

Quantifiable outcome

• Transaction settlement time reduced from standard 30 days to D+1 or D+2 with early payout plans
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AWS (Amazon Web Services)coreTechnology or IntegrationAWS cloud infrastructure services support IOPAY's payment processing platform, providing scalable and reliable computing resources for handling transaction processing, API services, and data storage.
• KondutocoreTechnology or IntegrationKonduto provides anti-fraud technology integration for transaction analysis and risk assessment, complementing IOPAY's native fraud protection capabilities.
• ClearsalecoreTechnology or IntegrationClearsale provides additional anti-fraud and chargeback protection solutions integrated with IOPAY's payment platform, offering optional insurance for high-risk merchant segments.
• W3PD Agency (Cláudio Eden)coreTechnology or IntegrationW3PD Agency, led by developer Cláudio Eden, developed the official Bubble platform plugin for IOPAY payments, enabling no-code/low-code applications to accept PIX, credit card, and boleto payments.
• GRAAC (Hospital do Câncer Infantil)minorOthersCharitable partner receiving donations through IOPAY's 'Todos por um Mundo Melhor' social initiative. GRAAC focuses on childhood cancer treatment and support.
• ARCAHminorOthersCharitable partner in IOPAY's social responsibility initiative 'Todos por um Mundo Melhor', focusing on humanitarian support and assistance.
• Instituto Dr. KlaideminorOthersCharitable partner in IOPAY's 'Todos por um Mundo Melhor' initiative, supporting education and quality of life programs for vulnerable populations.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• EBANX: Latin American payment processor offering local payment methods (PIX, boleto, cards) to global merchants, also serving Brazilian SMBs — overlaps IOPAY's gateway/PIX/card stack with a stronger cross-border angle.
• PagBank PagSeguro: Brazilian omnichannel payments and digital banking provider offering online gateway, POS terminals and a free digital account — the closest direct analog to IOPAY's combined online + in-person product suite, but at vastly greater scale.
• Pagar.me: Brazilian developer-first online payment gateway supporting PIX, credit, and boleto with strong API/SDK tooling — the closest direct online-only peer to IOPAY's gateway/API/SDK product, now owned by Stone.
• Zoop: Brazilian payment gateway and omnichannel platform (now part of Ton/Stone ecosystem) offering API, plugins, and POS terminals — competes head-to-head with IOPAY across online and in-person acceptance.
• Asaas: Brazilian SMB-focused payments platform offering online checkout, PIX, boleto and card processing via API — targets the same small and medium merchant segment as IOPAY with comparable transaction-fee pricing.

Emerging players

• Vindi: Brazilian recurring billing and online payments gateway focused on subscription businesses — shares IOPAY's API-first developer GTM but specializes in recurring revenue use cases adjacent to IOPAY's checkout.

Broad incumbents

• Mercado Pago: Payments arm of Mercado Livre offering online checkout, PIX/card processing, POS terminals, and merchant credit across Latin America — competes with IOPAY across nearly every merchant segment in Brazil and benefits from Mercado Livre's marketplace traffic.
• Cielo: Largest traditional Brazilian card acquirer offering online payment processing and POS terminals — competes with IOPAY on both online gateway and in-person acceptance, backed by Banco Bradesco and Banco do Brasil.
• Rede (Itaú): Itaú Unibanco's acquiring brand offering online gateway plus large POS terminal fleet — competes with IOPAY on both online processing and physical retail acceptance, with deep banking distribution behind it.
• Stone Co. Leading Brazilian acquirer and POS provider (Stone, Ton, and Linx) that now also offers online gateway services including Pagar.me — directly overlapping IOPAY's online gateway and IO PRO-like POS offerings, with much larger sales coverage.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/iopay

Compliance1 record

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 IOPAY