Besides processing fees, several operational and technical resources are provided with no additional platform charge. This simplifies the total cost of the operation and lowers the barriers to integrate, test and scale.
The amounts above represent platform fees for the resources indicated. Financial processing rates, Pix received, boleto paid, card, prepayment, antifraud and optional services remain subject to the contracted plan and the applicable commercial conditions.
Online capture plans cover Mastercard, Visa, Elo, Hipercard, Hiper, American Express, Aura, Banescard, Diners Club, Discover and JCB. The operation also covers Pix and boleto
Mastercard
Visa
Elo
American Express
Hipercard
Banescard
JCB
Aura
Cabal
Pix
Bank slip (boleto)
USDTOpen the full table without leaving the page and compare D30 STANDARD, D30 PRO and D2 PRO by card brand and number of installments.
The cost of the card is directly tied to how the company wants to be paid. D30 STANDARD preserves the natural flow of installments; D30 PRO concentrates installments at D+30; and D2 PRO prepays the operation to D+2.
Credit at D+30 per installment. The first installment is settled in about 30 days, the second in 60, the third in 90 and so on.
Ideal for operations that prioritize cost efficiency and do not need to turn all installment sales into cash immediately.
The consumer keeps paying their installments as usual, while IOPAY concentrates the settlement of the installments in a single D+30 window.
For companies that can wait 30 days but want predictability and early access to the full revenue of the sale.
Prepaying future installments turns installment sales into available capital in two days, after the contracted rates are applied.
A structure suited to operations that need to speed up inventory replenishment, suppliers, marketing or working capital.
Consolidated view of the main plan costs.
| Item | Rule | Condition |
|---|---|---|
| Pix received | D+1 settlement | 1,19% |
| QR Code / copy and paste issuance | Pix | R$ 0.00 |
| Boleto paid | D+1 settlement | R$ 3.50 |
| Boleto issuance and registration | No charge for issuance | R$ 0.00 |
| Antifraud | When applicable to the plan/operation | R$ 0.70 |
| Monthly fee | Platform | R$ 0.00 |
| Setup | Onboarding | R$ 0.00 |
| Withdrawal to bank account | Operational | R$ 0.00 |
| Transfers | Operational | R$ 0.00 |
| Card tokenization | Technical feature | R$ 0.00 |
| Recurring payments | Feature | R$ 0.00 |
| Payment split | No additional platform fee | R$ 0.00 |
For in-person payments, the receipt term can also be adjusted according to the financial profile of the operation.
Debit in 1 business day, single-payment credit in approximately 30 days and following installments every 30-day cycle.
For operations that prioritize cash speed, with prepayment applied to in-person sales and differentiated conditions by payment type.
For larger-scale operations, our sales team can structure specific conditions according to volume, payment method mix and the financial dynamics of the business. After contracting, the CET defined in the table becomes the effective reference for eligible transactions, giving the operation predictability.
Settlement term, prepayment, fixed costs, included resources and financial predictability need to be analyzed together.
In D30 STANDARD, each installment follows the natural card flow: approximately D+30, D+60, D+90 and so on. In D30 PRO, future installments are prepaid and the total net amount of the sale is concentrated at D+30.
The total net amount of the sale, including when paid in installments, is made available at D+2. To activate the plan, operations must start in production on D30 STANDARD or D30 PRO; the request to migrate to D2 PRO can be made between the 15th and the 60th day of operation.
In the structure of this page, monthly fee and setup are presented at R$ 0.00. Financial charges apply according to the payment methods processed and the services actually contracted.
Tokenization is presented with no additional platform fee. Processing rates for transactions made with the tokenized card continue to apply.
Use of the recurring payments feature is presented at R$ 0.00 platform fee. Each charge processed follows the rates of the payment method and the contracted plan.
Issuing the QR Code and the Pix copy and paste code is presented at R$ 0.00. When the payment is received, the plan's Pix rate applies, currently stated as 1.19% in the base documents.
Issuance and registration are free. The R$ 3.50 fee applies only to boletos actually paid, according to the base documents.
The documents for the three plans state free setup, transfers and withdrawals. The page presents these items as R$ 0.00 platform fee.
Open your account or talk to our team to assess the mix of Pix, card, boleto and prepayment best suited to your operation.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Requests related to privacy and data protection may be sent through IOPAY's official channels:
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.
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.
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.
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.
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.
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.
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”).
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.
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.
Subject to the conditions set out in the LGPD, the data subject may request:
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.
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.
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.
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.
This section may be updated periodically to reflect legal, regulatory, operational or technological changes.