A payment gateway is a technology that enables businesses to accept online payments securely and efficiently. It acts as a bridge between a customer’s bank and the business, facilitating the transfer of payment data. Payment systems ensure that transactions are processed swiftly, securely, and in compliance with financial regulations. For businesses operating in Brazil, selecting the right payment processor is crucial for reaching a wide customer base and ensuring seamless transaction experiences.
The best payment gateway in Brazil in our rating is NOWPayments because of its versatility in supporting various cryptocurrencies and seamless integration with a wide range of platforms. This makes it an ideal choice for businesses looking to accept cryptocurrency payments with minimal fees. Furthermore, NOWPayments’ low transaction costs and fast processing times provide a competitive advantage for companies aiming to expand their digital payment options in Brazil.
Choosing the right payment platform is vital in 2026, especially for businesses in Brazil. With the rise of e-commerce and digital payment adoption, companies need a solution that offers security, scalability, and global reach. Additionally, considering Brazil’s growing adoption of digital currencies, a payment method that supports cryptocurrencies can help businesses stay ahead of the curve. A reliable payment processor can significantly enhance customer satisfaction, reduce transaction costs, and boost the overall efficiency of operations.
Here’s a list of the best payment solutions for Brazil in 2026:
- NOWPayments
- PagSeguro
- Mercado Pago
- Cielo
- Pagar.me
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
Our goal was to create an unbiased comparison based on features that are critical for businesses in Brazil, ensuring that the selected solutions meet the specific needs and preferences of local merchants. We focused on the most relevant factors to help businesses make an informed choice when selecting a service for processing transactions.
- Supported Assets: Essential for attracting a global or tech-savvy customer base by enabling the acceptance of a wide range of payment methods, including digital currencies.
- Fees: Directly impacts profitability, as merchants need to understand transaction costs upfront to maintain financial efficiency and minimize expenses.
- Integration Tools: Critical for businesses to deploy the solution quickly without heavy technical overhead, ensuring a smooth setup and seamless connection with existing systems.
The comparative table below summarizes how each provider performs in these three decisive categories, which we will explore in detail for each option.
| Payment Gateway | Supported Assets | Fees | Integration Tools |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, 40+ fiat currencies | 0.5% mono‑currency, 1% multi‑currency; 0% network fees for USDT TRC20 deposits (first 2 months) | API, payment button & widget, POS |
| PagSeguro | Credit cards, debit cards, Pix, boleto bancário, 140+ local methods in LatAm | ~2.99%–4.99% on card & boleto sales | API + plugins for e‑commerce platforms |
| Mercado Pago | Credit/debit cards, Pix, boleto, digital wallets | Varies by method; Pix can be 0–0.49%, credit ~3.98–4.98% depending on terms | APIs, SDKs, ready plugins, checkout options |
| Cielo | Credit/debit card brands, boleto bancário, Pix support via partners | Typically ~2.5–4%+ per transaction | APIs, SDKs, POS integrations, plugins for e‑commerce platforms |
| Pagar.me | Cards, Pix, boleto bancário, cash via API | Fees vary by volume and contract | API with SDKs and e-commerce platform connectors |
NOWPayments
NOWPayments is the best crypto payment gateway that allows businesses to accept over 350 cryptocurrencies with seamless integration. It offers a secure and efficient way to process digital currency transactions, making it ideal for companies looking to tap into the growing crypto market. Beyond cryptocurrency payments, it also supports 40+ fiat currencies, allowing businesses to accept a wide variety of online payment methods. With its low fees and robust integrations, it stands out as a top payment solution for businesses looking for a versatile and future-proof service.
Supported Assets. NOWPayments supports a wide variety of cryptocurrencies and fiat currencies, providing businesses with diverse payment options to serve global customers. The platform enables merchants to accept popular digital assets like Bitcoin and Ethereum, alongside local payment methods for regions such as Brazil. This flexibility allows businesses to cater to tech-savvy customers while maintaining compatibility with traditional payment methods. By supporting both cryptocurrency and fiat, NOWPayments offers an innovative approach to cross-border payments and global commerce.
| Supported Assets | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Fees. NOWPayments provides transparent and competitive fees, making it a cost-effective choice for businesses looking to optimize their payment process. The platform charges 0.5% for mono-currency payments and 1% for multi-currency transactions, ensuring low-cost online transactions. Additionally, USDT TRC20 deposits come with 0% network fees for the first two months, giving businesses an even more affordable solution. The clarity of its fee structure ensures that merchants can plan their payment collection with confidence.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 0.5% | For mono-currency payments |
| Multi-Currency Fee | 1% | For multi-currency payments |
| USDT TRC20 Fee | 0% | For the first 2 months |
Integration Tools. NOWPayments offers a comprehensive suite of integration tools, making it easy for businesses to incorporate their payment solution into existing platforms. With an API, payment buttons, widgets, and POS options, merchants can integrate this gateway seamlessly into their e-commerce infrastructure. These flexible payment options provide businesses with various ways to create a payment experience that suits their needs. The platform’s tools ensure fast, secure, and efficient integration for businesses looking to stay on top of modern payment technology.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| Payment Button & Widget | ✅ |
| POS Integration | ✅ |
PagSeguro
PagSeguro is a popular payment solution provider in Brazil, offering a comprehensive range of services for online and in-store transactions. Known for supporting various methods, including credit cards, Pix, boleto bancário, and local online methods, PagSeguro has become a trusted partner for Brazilian businesses. The platform is designed to integrate easily with e-commerce sites, enabling seamless transactions for online stores.
Supported Assets. PagSeguro supports credit and debit cards, Pix, boleto bancário, and over 140 local payment methods in Brazil and Latin America. This wide variety of options ensures that businesses can cater to local preferences while reaching international customers. The platform’s acceptance of both traditional and alternative methods allows for flexible payment collections across different regions. By offering a broad range of choices, PagSeguro simplifies the entire transaction process for online businesses in Brazil.
| Supported Assets | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Pix | ✅ | ✅ |
| Boleto Bancário | ✅ | ✅ |
Fees. PagSeguro’s fees vary based on the method used, but it generally offers competitive rates for both credit card transactions and boleto bancário. Credit and debit card payments typically incur fees ranging from 2.99% to 4.99%, depending on the business plan selected. For boleto bancário transactions, the fees are lower, providing an affordable option for merchants processing Brazilian payments. This transparent structure helps businesses manage their financial operations effectively.
| Fee Type | Amount | Note |
|---|---|---|
| Credit/Debit Cards | 2.99%–4.99% | Varies based on business plan |
| Boleto Bancário | Varies | Lower fees for boleto payments |
Integration Tools. PagSeguro offers a variety of integration tools, including an API, plugins for popular e-commerce platforms, and customizable payment pages. Merchants can easily integrate this olution into their online stores, providing a seamless and secure experience for customers. The platform also supports payment buttons and links, which help businesses drive conversions. These versatile tools ensure that PagSeguro integrates effortlessly with any online business infrastructure.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Page | ✅ |
Mercado Pago
Mercado Pago is a comprehensive payment solutions provider in Latin America, offering both online and in-person services. It supports a range of methods, including credit cards, debit cards, boleto bancário, Pix, and popular digital wallets like Apple Pay and Google Pay. What distinguishes Mercado Pago is its integration with Mercado Livre, the leading e-commerce platform in the region, making it a go-to choice for businesses. Mercado Pago’s secure and fast transaction process ensures a smooth payment experience for businesses and customers alike.
Supported Assets. Mercado Pago supports credit and debit card payments, boleto bancário, Pix, and a variety of digital wallets. The wide variety of methods allows businesses to accept both local and international transactions seamlessly. By offering popular alternatives like Pix, Mercado Pago ensures that merchants can process fast, secure exchanges that align with customer preferences in Brazil. Its integration with Mercado Livre also facilitates easy acceptance directly through the e-commerce platform.
| Supported Assets | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Pix | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
Fees. Mercado Pago’s fee structure is designed to accommodate a variety of payment options. Credit card tran sactions generally incur fees ranging from 3.98% to 4.98%, while Pix payments have lower costs, typically ranging from 0% to 0.49%. This flexibility allows businesses to choose the most cost-effective method for their transaction flow. Mercado Pago’s competitive fees, combined with its broad support for various methods, ensure that businesses can optimize their transaction costs.
| Fee Type | Amount |
|---|---|
| Credit/Debit Cards | 3.98%–4.98% |
| Pix | 0%–0.49% |
Integration Tools. Mercado Pago provides multiple integration options, including an API, SDKs, and plugins for popular e-commerce platforms. This makes it easy for businesses to incorporate Mercado Pago into their online stores and streamline their transaction processes. With ready-made solutions for platforms like WooCommerce and Shopify, merchants can quickly deploy the payment system with minimal effort. The variety of integration tools ensures that businesses can offer a seamless experience for their customers.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
Cielo
Cielo is a leading payment service provider in Brazil, offering comprehensive solutions for both online and offline transactions. It supports credit and debit cards, boleto bancário, and Pix transactions, making it one of the most versatile options for businesses in Brazil. Cielo is distinguished by its extensive customer support and reliable infrastructure, which ensures smooth payment processing for merchants. Its easy integration with various e-commerce platforms and POS systems makes Cielo a top choice for businesses across different industries.
Supported Assets. Cielo supports credit and debit cards, boleto bancário, and Pix payments, enabling businesses to cater to a wide range of customer preferences. With its acceptance of international and local payment options, it provides a robust solution for both domestic and global transactions. This flexibility ensures that businesses can serve customers in Brazil and abroad while maintaining a seamless payment experience. Cielo’s wide acceptance of popular methods helps businesses streamline their payment collection processes.
| Supported Assets | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Pix | ✅ | ✅ |
| Boleto Bancário | ✅ | ✅ |
Fees. Cielo offers a transparent fee structure, with fees typically ranging from 2.5% to 4% per transaction. For credit and debit card payments, the fees vary based on the volume and type of contract. Boleto bancário payments come with a lower processing fee, making it an affordable option for businesses that focus on Brazilian customers. This flexibility allows businesses to choose the most cost-effective payment method for their needs.
| Fee Type | Amount | Note |
|---|---|---|
| Credit/Debit Cards | 2.5%–4% | Varies based on contract |
| Boleto Bancário | Varies | Lower fees for boleto payments |
Integration Tools. Cielo offers a variety of integration options, including APIs, SDKs, and POS systems, making it easy for businesses to integrate the service into their infrastructure. With ready-made integrations for e-commerce platforms, Cielo ensures that merchants can offer a seamless experience to customers. POS integration also allows businesses to accept payments in physical stores, creating a comprehensive payment solution. These integration options provide businesses with the tools they need to streamline their transaction collection processes.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| POS Integration | ✅ |
| E-commerce Plugins | ✅ |
Pagar.me
Pagar.me is a Brazilian payment gateway known for its ability to process a variety of methods, including credit cards, Pix, and boleto bancário. It focuses on offering fast and secure online solutions, especially for businesses in Brazil. Pagar.me stands out by providing custom-tailored solutions for different industries, allowing businesses to create a payment system that suits their unique needs. Its user-friendly interface and solid customer support make it a popular choice for local merchants looking to improve their payment process.
Supported Assets. Pagar.me supports credit and debit cards, Pix, boleto bancário, and cash via API, ensuring businesses can cater to a wide range of customer preferences. The platform’s support for both traditional and modern methods helps businesses maintain flexibility while serving their customers efficiently. By including local methods such as Pix and boleto bancário, Pagar.me allows businesses to offer popular and secure options for Brazilian customers. Its acceptance of diverse payment methods also ensures smooth transaction experiences for both local and international customers.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Pix | ✅ | ✅ |
| Boleto Bancário | ✅ | ✅ |
Fees. Pagar.me offers competitive and transparent fees, with a pricing structure that varies based on transaction volume. Credit card payments typically incur fees ranging from 2.5% to 4%, while boleto bancário transactions come with lower fees, making it an affordable option for businesses that primarily process local payments. The platform’s flexible fee structure ensures that businesses of all sizes can find an option that suits their budget. This transparency helps businesses plan their processing solutions without unexpected charges.
| Fee Type | Amount | Note |
|---|---|---|
| Credit/Debit Cards | 2.5%–4% | Varies based on transaction volume |
| Boleto Bancário | Varies | Lower fees for boleto payments |
Integration Tools. Pagar.me provides an API and SDKs for easy integration with a variety of platforms, making it a versatile solution for businesses. It offers pre-built integrations for e-commerce platforms, including WooCommerce and Shopify, so businesses can get started quickly. Additionally, Pagar.me’s customizable checkout pages allow merchants to create a seamless transaction experience for their customers. These integration options ensure that businesses can easily connect Pagar.me to their existing systems and streamline the entire payment process.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Page | ✅ |
Conclusion
In this review, we have analyzed the main payment processing solutions available for businesses in Brazil, including NOWPayments, PagSeguro, Mercado Pago, Cielo, and Pagar.me. These solutions offer a wide range of features tailored to the needs of Brazilian merchants, with support for both local transaction methods and international exchanges. Each gateway comes with its own set of advantages, but for businesses seeking flexibility and innovation in their transaction processing, NOWPayments stands out as the best option.
NOWPayments is the leading payment gateway solution for businesses in Brazil due to its exceptional support for over 350 cryptocurrencies and 40+ fiat currencies, providing a robust solution for digital and traditional methods of transferring funds. With competitive fees, seamless integration tools, and a strong focus on security and efficiency, NOWPayments allows businesses to easily expand their transaction infrastructure. Its ability to process both mono and multi-currency exchanges, combined with no network fees for USDT TRC20 deposits in the first two months, makes it an especially cost-effective option. For forward-thinking businesses looking to stay ahead in the rapidly evolving digital landscape, NOWPayments is the clear leader, offering the most comprehensive, flexible, and future-proof solution.