Best Brazilian Mobile Credit Card Processing Apps

What to Know Before Getting Started

Unlike most European countries and some of its South American neighbors, Brazil is home to a wide variety of both foreign and local mobile credit card processing apps. It homegrown roster of services is particularly impressive, including mobile card readers from PagSeguro, Cielo Mobile, PagPop, Zoop, and Mobile Rede. This degree of local competition appears to exceed the UK in diversity and even rivals that of the U.S., which is nearly overrun with Square imitators. With such a wide range of unique options to choose from, Brazilian merchants have the luxury of choice when it comes to mobile payment processing.

With that choice, however, comes the risk that a merchant could choose the wrong mobile card reader service for their business. That’s why we’ve compiled the following list of the best Brazilian mobile credit card processing apps. The mobile payment processors on this list are known to offer low-cost, low-commitment contract terms and positively reviewed customer support. Although our list provides general information about each provider, merchants should be sure to visit each company’s website so that they can compare their options.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

iZettle

Headquartered in Sweden, iZettle is a mobile credit card processor that has been processing payments since 2010. The company’s products and services include an EMV- and NFC-compatible mobile credit card reader, a point-of-sale app, email marketing tools, sales analytics, Xero integration, point-of-sale hardware, and merchant cash advance. iZettle is capable of serving businesses in Sweden, Finland, Denmark, Norway, United Kingdom, Germany, France, Spain, Italy, Portugal, the Netherlands, Mexico, and Brazil.

Due to the common practice of paying in 30-day installments in Brazil, iZettle’s Brazil pricing is very different than its typical mobile payment pricing. For Brazilian merchants, iZettle charges 2.99% per debit transaction and 4.99% per credit transaction, but it adds 1.99% per extra installment (maximum of 12 installments). Therefore, merchants who accept payments in fewer installments will pay less in fees, while merchants who accept more installments will pay more in fees.

iZettle offers two card readers. Its “Lite” card machine connects to the merchant’s phone via cable and can be purchased for 12 payments of R$24.92 or one payment of R$299. Its “Pro” card reader connects via Bluetooth and can be purchased for 12 payments of R$37.42 or one payment of R$449. Our review of iZettle currently gives it an “A” rating overall.

For more information, see the iZettle website.

iZettle Highlights

R$299 or R$449 card reader
2.99% to 26.88% per transaction
Live customer support

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


Payleven

Based in the UK, Payleven is a mobile payment service that is “powered by” SumUp. As such, its products and services are very similar to those offered by SumUp, including an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, multi-user support, additional point-of-sale hardware, and emailed receipts.

Like iZettle, Payleven starts with basic rates for debit and credit and then adds a percentage amount based on each additional credit installment. It also offers an “Accelerated” plan that pays out credit amounts every two days and an “Economic” plan that pays out credit amounts every 30 days. Under both plans, the base debit rate is 2.69% per transaction. The Accelerated plan has a base credit rate of 4.39%, while the Economic plan has a base credit rate of 3.39%. Each additional installment costs an extra 2.49%.

For both of these plans, Payleven also decreases each merchant’s base rates as the merchant’s monthly sales volume increases. The debit rate under both plans decreases from 2.69% per transaction for merchants processing less than R$1,000 per month to 2.49% for merchants processing more than R$5,000 per month. Under the Accelerated plan, the credit rate decreases from 4.39% to 4.19% at the same benchmarks, and under the Economic plan, the credit rate decreases from 3.39% to 3.19%.

Payleven offers two card readers. Its “More” card machine can be purchased for 12 payments of R$19.90 or one payment of R$238.80. Its “Lite” card reader can be purchased for 12 payments of R$29.90 or one payment of R$358.80 The company offers live phone support during business hours to all of its merchants.

Our review of Payleven currently gives it an “A” rating.

SumUp

A London-based business, SumUp is a mobile payment service that merged with Payleven in April 2016 and now acts as the parent brand between the two. Its products and services include an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, and digital receipts.

Similar to Payleven, SumUp starts with basic rates for all card types and then adds a percentage amount based on each additional credit installment. It also offers an “Accelerated” plan that pays out credit amounts every two days and an “Economic” plan that pays out credit amounts every 30 days. The Accelerated plan has a base credit rate of 4.6%, while the Economic plan has a base credit rate of 3.1%. The Accelerated plan adds 1.5% to its rate per additional installment, up to 12 installments. The Economic plan charges 3.9% for installments 2-6 and 4.9% for installments 7-12.

SumUp offers two card readers. Its “Chip” card machine can be purchased for 12 payments of R$14.90 or one payment of R$178.80. Its “TOP” card reader can be purchased for 12 payments of R$29.90 or one payment of R$358.80. The company does not offer live phone support to its merchants.

Our review of SumUp currently assigns it an “A” rating.


If we are missing any great Brazilian mobile payment processing apps that should be included on this list, please let us know in the comment section below.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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