Cielo
Cielo is one of the largest Brazilian card acquirers and a publicly traded company (B3:CIEL3), originally formed as a joint venture between Banco Bradesco and Banco do Brasil. The company processes credit, debit, Pix, QR Code, and boleto transactions for hundreds of thousands of merchants across Brazil, providing both in-person acquiring through its family of Cielo Smart (formerly LIO) Android POS terminals and Tap on Phone, and online payment processing through its e-Commerce API, Checkout, Payment Links, and Braspag gateway. Cielo exposes a broad developer surface through developercielo.github.io and the newer docs.cielo.com.br portal, including APIs for sales, queries, tokenization, 3DS 2.2 authentication, Pix with mTLS, chargeback management, refunds, reconciliation (Conciliador), and merchant promotions, along with open-source SDKs in Python, PHP, Java, C#, Kotlin, Swift, and Dart published from the DeveloperCielo GitHub organization.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Cielo the way a machine reads it — 54 machine-readable artifacts across 13 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Cielo scores 29.7/100 (emerging), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Cielo
Each block below is one kind of artifact we hold for Cielo. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 13
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Cielo E-commerce API
The Cielo E-commerce API (also known as Cielo API 3.0) is the company's flagship online payment processing API. It accepts credit cards from Visa, Mastercard, Amex, Elo, Aura, J...
Cielo 3DS 2.2 Authentication API
Cielo 3DS 2.2 is an EMVCo-compliant cardholder authentication service exposed via the Braspag MPI endpoint. It confirms that the buyer is the legitimate cardholder for card-not-...
Cielo Pix API
Cielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It implements OAuth 2.0 Client Credentials with mutual-TLS, certificate-boun...
Cielo Payment Link API
The Cielo Payment Link API lets merchants generate short, shareable payment URLs for sale on social media, WhatsApp, SMS, or email without a full storefront. Authentication uses...
Cielo Checkout API
Cielo Checkout is a hosted payment-page solution that handles credit card, debit, Pix, and boleto flows end-to-end, including PCI scope reduction and post-payment notifications....
Cielo Refunds API
The Cielo Refunds API processes single and batch refund requests against captured transactions. Authentication is OAuth 2.0 Client Credentials issued against a Keycloak realm (M...
Cielo Chargeback API
The Cielo Chargeback API gives merchants programmatic access to dispute lifecycle management. It uses OAuth 2.0 Client Credentials plus mTLS against the cielo-chargeback-sys-ext...
Cielo Conciliador API
The Cielo Conciliador API (powered by F360) provides programmatic access to financial reconciliation data including card installments, title installments, customer and supplier ...
Cielo Promo API
The Cielo Promo API lets partner platforms surface merchant promotions and discounts to cardholders. It uses an OAuth 2.0 authorization-code flow with Client-Id and Bearer acces...
Cielo LIO Remote Integration API
The Cielo LIO (now Cielo Smart) Remote Integration API lets ERP and commercial-automation systems drive payment operations on Cielo's Android POS terminals over the cloud. The p...
Cielo BIN Query API
The Cielo BIN Query service returns metadata for a card BIN (Bank Identification Number) — issuing brand, card type, and additional rules — so e-commerce checkouts can validate ...
Cielo E-Wallets API
The Cielo E-Wallets API extends the e-Commerce API with support for digital-wallet payment methods, letting merchants accept Apple Pay, Google Pay, Samsung Pay, and other region...
Cielo Tap on Phone
Cielo Tap on Phone (Cielo Tap) is the company's SoftPOS solution: it turns an NFC-capable smartphone into a card acceptance device with no separate hardware. Tap on Phone SDKs a...
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Features 16
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 16 ·
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Use Cases 10
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
In-Person Card Acceptance
Brick-and-mortar merchants accept credit, debit, Pix, and contactless payments through Cielo Smart Android POS terminals (formerly LIO) with local, deep-link, or remote integrat...
SoftPOS / Tap on Phone
Micro-entrepreneurs and field sales reps accept contactless card payments directly on their NFC-capable smartphones via Cielo Tap, without renting a dedicated POS device.
Online Card Acquiring
E-commerce platforms use the Cielo e-Commerce API (API 3.0) to authorize, capture, void, and tokenize card transactions on Visa, Mastercard, Elo, Amex, Hipercard, and more.
Hosted Checkout and Payment Links
Merchants with limited engineering capacity use Cielo Checkout or Payment Links to accept payments via shareable URLs on WhatsApp, Instagram, and SMS without building a storefront.
Pix Charges and Refunds
Platforms generate immediate and recurring Pix charges, receive real-time settlement events via webhooks, and issue refunds through the Pix API with mTLS-secured access.
3DS 2.2 Authentication
Online merchants reduce chargeback exposure by routing card-not-present transactions through Cielo's Braspag MPI for liability-shifted authentication.
Dispute and Refund Management
Operations teams query, accept, refuse, and document chargebacks and process refunds in bulk via dedicated APIs with letter-generation and evidence-download endpoints.
Financial Reconciliation
Finance teams reconcile sales, fees, and settlement events using the Cielo Conciliador API (F360) to pull card and title installments, bank statements, and parameterised reports.
Recurring Payments and Tokenization
Subscription businesses save card-on-file via Cielo's tokenization endpoints and bill on a recurring schedule with Zero Auth validation between charges.
Merchant Promotion Distribution
Partner apps and fintechs surface enrolled merchant discounts to cardholders through the Cielo Promo API, retrieving promotion lists, establishment data, and cardholder transact...
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Integrations 8
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Banco Bradesco
Founding shareholder; Bradesco distribution channels onboard Cielo to their merchant base.
Banco do Brasil
Founding shareholder; co-acquires and refers merchants from the Banco do Brasil network.
Braspag
Cielo subsidiary providing the Gateway de Pagamento, Payment Split, Risk Management, and 3DS 2.2 MPI used across Cielo's APIs.
F360
Powers the Cielo Conciliador reconciliation API exposed at financas.f360.com.br.
Banco Central do Brasil (BCB) Pix
Underlying instant-payments rail that the Cielo Pix API surfaces to merchants and platforms.
Visa, Mastercard, Elo, Amex, Hipercard
Card schemes accepted across Cielo e-Commerce, Checkout, and POS terminals (80+ brands total).
Apple Pay, Google Pay, Samsung Pay
Digital wallets supported via the Cielo E-Wallets API and Tap on Phone.
VTEX, Magento, WooCommerce, Shopify-style platforms
Pre-built e-commerce connectors documented on docs.cielo.com.br for major Brazilian commerce platforms.
Scroll within the panel for all 8 ·
Solutions 6
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Cielo e-Commerce
API-first online acquiring stack including the e-Commerce API, Checkout, Payment Links, 3DS, BIN Query, and E-Wallets.
Cielo Smart (LIO)
Android POS hardware and software platform supporting local, deep-link, and remote integration models.
Cielo Tap
SoftPOS / Tap on Phone solution turning NFC smartphones into card acceptance devices.
Braspag
Cielo's enterprise gateway brand providing advanced acquiring, payment split, and risk-management services.
Cielo Promo
Promotion distribution channel exposing merchant discounts to consumer-facing partner apps.
Cielo Conciliador
Reconciliation and back-office reporting platform powered by F360.
Resources
Every other property we hold for Cielo — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Build 19
SDKs, sample code, and the tooling you integrate with
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Access & Security 1
Authentication, authorization, and security posture
Learn 2
Tutorials, courses, talks, and written guidance
Operate 3
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
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