Coverage
🇧🇷 Payments in Brazil
Every payment method and gateway Orchestrapay has integrated for Brazil.
Sources: Central Bank of Brazil and provider disclosures, 2024–2025.
How Brazil pays
Brazil runs on Pix. The Central Bank's instant payment rail, launched in 2020, is now the country's most-used payment method, moving money account-to-account in seconds by QR code or a key (phone, email, CPF), and it already rivals cards for online checkout. Alongside it, Boleto Bancário lets shoppers pay a bank slip in cash or via their banking app, reaching those who prefer not to put a card online. Cards run on Visa and Mastercard plus the domestic Elo and Hipercard schemes.
The detail that decides checkout here is installments ("parcelado") — Brazilians routinely split card purchases into interest-free monthly payments, and a checkout that can't offer them converts poorly. We cover the full mix: Pix, Boleto, and cards with installments, through local acquiring for higher approvals, with the real (BRL) settled into your base currency, FX and the Central Bank's rules handled by locally licensed partners.
Why merchants run on us here
Pix instant payments
Accept Pix — Brazil's dominant account-to-account rail — for instant, low-cost checkout by QR or key.
Boleto Bancário
Reach cash and bank-app payers with Boleto, the bank slip Brazilians settle in cash or online.
Cards with installments
Visa, Mastercard, Elo and Hipercard with interest-free installments that lift conversion.
Real settlement & FX
Collect in BRL and settle in your base currency, with Central Bank rules and FX carried by locally licensed partners.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
StripeStripe (Enterprise)
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox Gateway
Airwallex
Braintree
CommerceHub
DLocal
Fiserve
Ebanx
NMI
Nuvei
OrbitalPayPal CommerceBuilt for enterprise
Everything it takes to run payments in Brazil
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Brazil like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Brazil through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the real (BRL) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Merchant of Record
Sell into Brazil, get paid internationally.
Use Orchestrapay as your merchant of record in Brazil: collect in the real (BRL) on local rails while we settle your revenue abroad in USD, past local capital controls — with the local entity, licensing and tax carried for you.
Explore Merchant of RecordReady to launch in Brazil?
Talk to our payments team about going live in Brazil — coverage, local acquiring, settlement and timelines for your business.