Brazilian Real (BRL)
Published processing fees and market availability for the Brazilian Real (BRL) across 14 gateways, bank acquirers, and payment rails serving Brazil. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: South & Central America payments guide · All South America currencies
Who serves this currency
All 14 gateways, bank acquirers and wallets serving BRL markets, including providers with published BRL fee schedules (5) and custom/quote-only processors (9).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeDomestic Brazilian credit cards (30-day payout); Pix ~1.19%. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Mercado PagoCredit card at sight (immediate payout). Pix is 0%–0.99%, debit ~0.74%; installments cost more. | Published fees |
| PayURegional availability, ask for a quote. | Serves this market |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| PagBank (PagSeguro)Online credit card checkout (30-day payout; 4.99% + R$0.40 for 14-day). Pix ~0.99%–1.89%. | Published fees |
| dLocalNegotiated, contact sales. | Custom pricing |
| EBANXCustom pricing, contact sales. | Custom pricing |
| SumUpRegional availability, ask for a quote. | Serves this market |
| Getnet (Santander)Santander's acquirer in Brazil: ~3.99% credit card (30-day), ~1.89% debit, 0%–0.89% Pix. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalBrazilian domestic commercial checkout (instant availability). | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (5 of 14 providers serving BRL). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified BRL rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 14 providers serving BRL.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (9 additional providers serve BRL with custom or quote-only pricing—see all 14 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeDomestic Brazilian credit cards (30-day payout); Pix ~1.19%. | 3.99%+1% international cards | R$0.39 | n/a | +1% |
| Mercado PagoCredit card at sight (immediate payout). Pix is 0%–0.99%, debit ~0.74%; installments cost more. | 4.99%+1% international cards | R$0.00 | n/a | +1% |
| PagBank (PagSeguro)Online credit card checkout (30-day payout; 4.99% + R$0.40 for 14-day). Pix ~0.99%–1.89%. | 3.99% | R$0.40 | n/a | Same rate |
| Getnet (Santander)Santander's acquirer in Brazil: ~3.99% credit card (30-day), ~1.89% debit, 0%–0.89% Pix. | 3.99% | R$0.00 | n/a | Same rate |
Compare two BRL card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in BRL.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalBrazilian domestic commercial checkout (instant availability). | 4.79%+1% international cards | R$0.60 | n/a | +1% |
Monthly, plan & setup fees (BRL)
8 of 14 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Mercado PagoPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PayUPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| PagBank (PagSeguro)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Getnet (Santander)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
Brazilian Real (BRL) payment gateway FAQs
Which payment gateways and processors serve Brazil (BRL)?
Sympli5 tracks 14 payment gateways, bank acquirers, and payment rails serving Brazil (Brazilian Real, BRL), including Stripe, PayPal, Adyen, Checkout.com, Nuvei, Mercado Pago and 8 others. Of these, 5 publish verifiable standard BRL per-transaction schedules and 9 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Brazilian Real (BRL)?
Among the 5 providers with publicly verified BRL schedules, the lowest headline variable rate starts at 3.99% + R$0.00 via Getnet (Santander). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive BRL calculator on this page to compare exact net payouts.
Do BRL payment gateways charge monthly or setup fees?
Of the 14 providers serving BRL markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 6 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for BRL transactions?
An international (foreign-issued) card fee applies when a customer pays your business in BRL using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In BRL, providers like Stripe (+1%), PayPal (+1%), Mercado Pago (+1%) add an explicit cross-border card surcharge on top of their domestic rate.