Payment Linkscharge with no code
IOPAY Platform
One platform to accept, operate and manage payments.
Centralize sales channels, transactions, receivables, sellers, integrations and financial context in a single operational layer, connecting payment to the company's routine.
Consolidated view
A common layer for channels, operations and finance.
The IOPAY Platform brings different products and journeys together in a single management experience. The goal is to reduce fragmentation between those who sell, those who integrate, those who track operations and those who need to reconcile or forecast receipts.
Acceptance
Payments across different channels.
Orchestrate digital and in-person payments within the same infrastructure.
- Pix, card and boleto
- Checkout, payment links and buttons
- E-commerce plugins and card terminals
Operation
Transaction visibility.
See what happened to each payment without depending on multiple systems.
- Status, method, customer and amount
- Approval and chargeback indicators
- Reports and operational context
Finance
Receivables and reconciliation.
Connect sales, receivables schedule and settlements for a more consistent view of cash.
- Current balance and future balance
- Receivables calendar
- Reconciliation and Payment Split tracking
Platforms
Sellers, split and marketplaces.
Structure operations with multiple recipients while keeping centralized governance.
- Seller registration and management
- Payment Split rules
- Consolidated platform view
Technology
APIs, credentials and webhooks.
Product and operations stay connected to the technical layer used by your team.
- Credentials and Seller ID
- REST APIs, webhooks and sandbox
- Documentation and Developer Central
Management
One account to evolve the operation.
Start with a specific need and expand your use of the infrastructure as the business grows.
- New channels and products
- Spend management and corporate cards
- White-label and custom operations
IOPAY Portal
One central infrastructure.
One central infrastructure.
Multiple connected flows.
Sell across different channels and track operations, finance and technology in a single layer. Hover over the ecosystem to explore the flows.
HOW YOU SELL
APIs & Custom Integrationsfor your technology team
Payment Buttonembed on any website
Card terminalsIO PRO and IO Pocket · in-person
E-commerceofficial, free plugins
IOPAY Portalminhaconta.iopay.com.br
HOW YOU OPERATE
Real-Time Reconciliationevery sale reaches its financial context
Transaction Reports & Statementsquery, filter and export your operation
Complete Dashboardsa consolidated view of the operation
Conversion Reportsapprovals, declines and transaction performance
Advanced SettingsPayment Split, withdrawals and operating rules
Webhooks & Payment Splitevents and automations in the same portal
Operational journey
From payment to settlement, every step stays connected.
The IOPAY Platform organizes the operating cycle so product, support, finance and technology work from the same context.
01CaptureThe payment originates at the checkout, link, button, API, plugin or in-person channel.
02ProcessingThe operation follows the flow suited to the payment method and the enabled partners.
03StatusApproved, pending, failed, canceled or disputed becomes part of the transaction view.
04EventsWebhooks and updates let external systems follow the payment lifecycle.
05ReceivableThe sale becomes part of the financial schedule according to the applicable term and payment type.
06SettlementReceipts, Payment Split and reconciliation close the operating cycle.
Operations & finance
Executive context without losing the detail.
The portal connects consolidated indicators to the view of each transaction, letting you track performance and investigate specific events in the same environment.
Executive dashboard
Balance, TPV, approval, chargeback and relevant operating indicators.
Transactions
Search by ID, customer, document, method, status and period.
Receivables
Receivables calendar and view of the operation's future balance.
Reconciliation
Connect what was sold to what needs to be received, distributed via Payment Split or reconciled.
Marketplaces & platforms
Governance for operations with multiple sellers and recipients.
When the business model involves sellers, partners or different financial participants, the platform extends the individual transaction view into structured management of the operation.
Sellers & Payment Split
Sellers and Payment Split at the center of the operation.
Organize the relationship between platform, seller and payment without losing track of who sold, how much they should receive and how the amount should be distributed.
Seller ID
Consistent identification of participants within operational and technical flows.
Payment Split rules
Payment Split according to the rules defined for the transaction or business model.
Payment Split tracking
More clarity to track Payment Split among sellers and partners.
Reconciliation by participant
Operational context to identify the origin, destination and financial status of each flow.
White-label
White-label and your own experiences.
For digital products, marketplaces and platforms that need to keep their own brand and experience, IOPAY infrastructure can operate as the technology layer behind the journey.
Your brand in front
Commercial and product experience aligned with the customer's identity.
IOPAY in the infrastructure
APIs, processing, sellers, Payment Split and operational management integrated into the product.
Custom architectures
More complex models can combine different platform resources.
Technology
Integrate via API and build an even more exclusive architecture
Credentials, APIs, webhooks and documentation sit alongside the operational view. This reduces the distance between what the technical team implements and what operations need to track once the payment goes into production.
Credentials
Environments and identifiers.
Centralize the data needed to integrate applications and sellers.
- Seller ID and credentials
- Segregated environments
- Integration lifecycle management
Events
Webhooks and automation.
Update orders, internal products and financial routines according to transaction events.
- Transaction status
- Integration with ERP, CRM or fulfillment
- Event-driven operations
Developer Central
Documentation and technical reference.
Take developers from initial setup to production with more context.
- Technical documentation
- API Reference
- Sandbox and integration support
Business models
One platform for different operations.
The same technology base can be used by companies with distinct needs, without requiring the operational home to be fragmented across several suppliers and systems.
E-commerce
Online sales with operational visibility.
Checkout, plugins, links, APIs, receivables and reconciliation connected to the same account.
Discover e-commerce →Marketplace
Seller management and Payment Split.
Structure Payment Split, sellers, integrations and financial tracking in a single infrastructure.
Discover marketplaces →Enterprise
Custom operations.
Combine channels, APIs, white-label and operational flows according to the business design.
Discover white-label →Sales
Charges outside the checkout.
Payment links and buttons for inside sales, support, campaigns and assisted sales.
Discover links →Omnichannel
Digital and in-person connected.
Combine online payments and card terminals with a more integrated view of the operation.
Discover card terminals →Corporate management
Payments and spending in the same ecosystem.
Extend your relationship with IOPAY to corporate cards, usage policies and spend management.
Discover spend management →Security & control
Controls built into the infrastructure.
Security, tokenization, antifraud and observability are part of the platform's operating architecture and support continuous monitoring of payment flows.
01PCI DSS 4.0.1
Technical and operational controls applied to the payments environment.
02Tokenization
Reduced exposure of sensitive data throughout transactional journeys.
03Antifraud
Risk analysis integrated into authorization flows according to the operation's setup.
04Observability
Status, events, webhooks and operational context for tracking and response.
The availability of resources, payment methods and features may vary by product, partner, registration review and commercial setup.
IOPAY Platform
Centralize payments, operations and finance in a single infrastructure.
Open your account or talk to our team to structure the products and integrations best suited to your business model.
This Privacy Policy explains, transparently, how IOPAY processes personal data related to the access and use of its websites, platforms, products, services, support channels, registration processes and other interactions with users, customers, representatives, partners and visitors.
1. Who we are
IOPAY S/A INSTITUIÇÃO DE PAGAMENTO, registered under CNPJ No. 19.786.646/0001-74, headquartered at Av. Nove de Julho, 4877, 2nd Floor B, Jardins, São Paulo/SP, offers infrastructure, technology and solutions for payment operations.
2. What data we may process
Depending on the relationship maintained with IOPAY, we may process registration and identification data, contact data, professional and business information, data required for registration and verification processes, technical and security records, IP address, device identifiers, browsing information, access logs and data related to interactions carried out with our products and channels.
When necessary for the provision of services, compliance with legal or regulatory obligations, fraud prevention and operational security, other categories of data may be processed according to the applicable purpose and legislation.
3. For what purposes we use personal data
- to provide, operate, maintain and improve our products and services;
- to carry out registration, authentication, validations and security controls;
- to provide support and respond to requests;
- to prevent fraud, abuse, incidents and unauthorized access;
- to comply with legal, regulatory and contractual obligations and orders from competent authorities;
- to keep audit, security, support and operational records;
- to carry out technical, statistical and performance analyses;
- to send communications related to products and services and, where applicable, commercial communications;
- to protect the rights of IOPAY, its customers, users, partners and third parties.
4. Legal bases
Processing may be based on the legal bases set out in Law No. 13.709/2018, including, as applicable, performance of a contract or preliminary procedures, compliance with a legal or regulatory obligation, regular exercise of rights, legitimate interest, fraud prevention and protection of the data subject's security, credit protection and consent.
5. Data sharing
Data may be shared, when necessary, with providers of technology, infrastructure, security, fraud prevention, storage, customer support, analytics, financial institutions, banks, acquirers, merchant accreditors, payment institutions, payment schemes and other participants or providers involved in delivering the contracted solutions.
Sharing may also occur when necessary to comply with a legal or regulatory obligation or an order from a competent authority, or for the regular exercise of rights.
6. Storage and retention
Data is kept for the period necessary to fulfill the purposes for which it was collected, observing the applicable legal and regulatory deadlines, audit needs, fraud prevention, security, defense of rights and other cases authorized by law.
7. Security
IOPAY adopts technical, administrative and organizational measures designed to protect personal data and the environments under its responsibility, considering the nature of the information, the risks involved and the characteristics of the operations carried out.
8. Cookies and similar technologies
The site uses cookies and similar technologies for essential functionality and, according to user preferences, for analytics, performance and marketing. Preferences can be changed at any time through the Cookie Preferences option available in the site footer.
9. Data subject rights
Under applicable law, the data subject may request, among other rights applicable to the case, confirmation of the existence of processing, access, correction, information about sharing, anonymization, blocking or deletion where applicable, portability under the regulations, objection where applicable and withdrawal of consent.
10. How to contact us
Requests related to privacy and data protection may be sent through IOPAY's official channels:
Data Protection Officer (DPO)
Guilherme Cury
[email protected]
Other IOPAY channels
[email protected]
[email protected]
Guilherme Cury
[email protected]
Other IOPAY channels
[email protected]
[email protected]
11. Updates to this policy
This Policy may be updated to reflect legal, regulatory, technological or operational changes, or changes related to IOPAY products and services. The current version will be made available through the company's official channels.
This Cookie Policy explains how IOPAY uses cookies and similar technologies on its websites and digital pages, which categories may be used and how users can manage their preferences.
1. What cookies are
Cookies are small files or records used by websites and applications to store or retrieve certain information on the user's device. They can enable essential functionality, strengthen security mechanisms, remember preferences and help measure performance and campaigns.
2. Categories used by IOPAY
3. Consent and preferences
On the first visit, users may accept all optional cookies, use only the necessary ones or configure their preferences individually.
Optional cookies classified as analytics/performance or marketing must not be activated by IOPAY before the corresponding user action, where the processing depends on consent.
4. Change or withdrawal
Users can review their choices at any time using the Cookie Preferences link available in the footer. The change may take effect for future uses of the technologies covered by the new preference.
5. Third-party cookies
Certain features or tools integrated into the site may be provided by third parties. Where such technologies depend on consent, their activation must respect the preferences recorded by the user.
6. Duration and storage of preferences
The cookie choice may be recorded on the device so that the site recognizes the decision on later visits. IOPAY may request a new choice when there is a relevant change to this policy, the categories used or the consent mechanism.
7. More information
For information on the processing of personal data related to the use of cookies, please also see the Privacy Policy and the LGPD & Data Subject Rights section.
IOPAY recognizes the importance of protecting personal data and establishes this section to present principles, commitments and channels related to the Brazilian General Data Protection Law (Law No. 13.709/2018, “LGPD”).
1. Data protection commitments
IOPAY seeks to process personal data in a manner consistent with the stated purposes, observing the applicable LGPD principles and requirements, including transparency, necessity, adequacy, security, prevention and accountability.
2. IOPAY's role in processing
Depending on the product, service and relationship established, IOPAY may act as controller of certain processing activities or as a processor of personal data on behalf of its customers and partners. The applicable responsibilities and instructions may vary according to the operation and the corresponding contractual instruments.
3. Data subject rights
Subject to the conditions set out in the LGPD, the data subject may request:
- confirmation of the existence of processing;
- access to personal data;
- correction of incomplete, inaccurate or outdated data;
- information about data sharing;
- anonymization, blocking or deletion, where applicable;
- portability, under the applicable regulations;
- deletion of data processed with consent, where appropriate and subject to the legal grounds for retention;
- information about the possibility of not giving consent and its consequences;
- withdrawal of consent;
- objection to processing, in the cases provided by law;
- review of decisions made solely on the basis of automated processing, where applicable.
4. How to exercise your rights
The data subject may submit a request through IOPAY's official channels. To protect the data subject and prevent fraud, additional information may be requested to confirm identity before the request is fulfilled.
Data Protection Officer (DPO)
Guilherme Cury
[email protected]
For general support matters:
[email protected]
[email protected]
Guilherme Cury
[email protected]
For general support matters:
[email protected]
[email protected]
5. Limitations and retention cases
Some requests may not result in the immediate deletion or alteration of certain data when its retention is necessary or authorized by law, including for compliance with a legal or regulatory obligation, regular exercise of rights, fraud prevention, security, audit or other cases provided by law.
6. Security and governance
IOPAY adopts technical and organizational controls aimed at protecting personal data, access management, traceability, application security, monitoring and incident prevention, taking into account the characteristics and risks of each environment and process.
7. Security incidents
Any incidents involving personal data are handled according to internal procedures and, where applicable, in compliance with the assessment, recording and notification obligations set out in the law and in the relevant regulations.
8. Updates
This section may be updated periodically to reflect legal, regulatory, operational or technological changes.