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🇧🇷Brazil

Payment gateways for Brazil.

Pix handles 90%+ of ecommerce. Cards + installments common. Boleto (paper voucher) still used in older demographics.

6 gateways available2 native to Brazil

🇧🇷 Brazil — what you need to know

Pix handles 90%+ of ecommerce. Cards + installments common. Boleto (paper voucher) still used in older demographics.

Popular methods here: Pix · Credit / Debit Cards · Boleto Bancário · Local wallets

🇧🇷 6 gateways in Brazil

Mercado Pago logo

Mercado Pago

Native

HQ Buenos Aires / São Paulo

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LatAm default — especially Brazil (Pix) and Argentina (local ecosystem)

Domestic cards3.99% + R$0.50 (Brazil, 1x) · higher with installments
Local methodsPix 0.99% · Boleto 3.49% + R$3.49
Settlement: Instant (Pix) to T+14 (credit card installments)

Supports

Credit / Debit CardsPixBoleto BancárioOXXOLocal walletsBank transfer
EBANX logo

EBANX

Native

HQ Curitiba, Brazil

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Latin America cross-border — Brazilian focus. Used by Shopify Plus international merchants.

Domestic cards~3.5% (Brazil)
Local methodsPix 1.5% · Boleto 3%
Settlement: T+1 (Pix) to T+30 (boleto)

Supports

Credit / Debit CardsPixBoleto BancárioOXXOBank transfer
dLocal logo

dLocal

HQ Montevideo, Uruguay

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Global merchants wanting ONE gateway for all emerging markets (LatAm + Africa + South Asia)

Domestic cards~3% (Brazil) · varies by country
Local methodsPix 1% · Boleto 3% + fixed · OXXO 3.5%
ExtraSettlement FX conversion: ~2-3% if settling to USD
Settlement: T+3 to T+7 (settlement in USD available)

Supports

Credit / Debit CardsPixBoleto BancárioOXXOBank transferLocal wallets

Good to know

Settlement in USD simplifies cash management for non-local businesses.

Stripe logo

Stripe

HQ San Francisco, USA

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Developer-first, best API in the industry, most platform integrations anywhere

Domestic cards2.9% + $0.30 (US) · 1.5% + £0.20 (UK) · 1.4% + €0.25 (EU)
International cards3.9% + $0.30 (+ 1% FX fee)
Local methodsVaries — iDEAL €0.29, SEPA 0.8% capped, Pix 1%
Settlement: T+2 business days (T+7 in new accounts)

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactPixAlipayWeChat PayBoleto Bancário

Good to know

Not available in India (only Atlas entity option). Excellent for global SaaS + DTC.

Adyen logo

Adyen

HQ Amsterdam, Netherlands

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Enterprise + global merchants needing interchange-plus pricing at scale

Domestic cardsInterchange++ model: ~0.6% + €0.10 (EU) · ~2.9% (US) — negotiable at volume
Local methodsiDEAL €0.10 · SEPA €0.13 · Alipay 1.2%
ExtraMonthly platform fee $0-500 depending on volume
Settlement: Daily to T+2

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactAlipayWeChat PayPixBoleto BancárioOXXO

Good to know

Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.

PayPal logo

PayPal

HQ San Jose, USA

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Global trust — older + cross-border buyers expect it

Domestic cards2.9% + $0.30 (US) · 1.2% + £0.30 (UK, domestic PayPal-to-PayPal)
International cards4.4% + fixed (cross-border)
Local methodsPayPal wallet-to-wallet: 2.9% + $0.30
Settlement: Instant to 3 business days

Supports

Credit / Debit CardsInternational cardsPayPalKlarna (BNPL)Afterpay / Clearpay (BNPL)

Good to know

Account freezes are a real risk — don't use as your sole gateway.

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29
How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about Brazil

People ask us these a lot.

What's the best payment gateway for Brazil ecommerce?+

For Brazil, the native gateways are typically your best starting point: Mercado Pago, EBANX. They have the strongest integrations with local payment methods (Pix, Credit / Debit Cards, Boleto Bancário) and fastest onboarding for local merchants. Cross-border merchants often layer a global gateway like Stripe on top for international card acceptance.

Which payment methods do Brazil buyers expect at checkout?+

Pix handles 90%+ of ecommerce. Cards + installments common. Boleto (paper voucher) still used in older demographics.

How many gateways support Brazil?+

We track 6 major payment gateways available in Brazil: Stripe, PayPal, Adyen, Mercado Pago, dLocal, EBANX. Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in Brazil?+

Most gateways available in Brazil support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating Brazil payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your Brazil business.

Book a call · $29