Pagar.me
Pagar.me is the API-first online payments platform from Stone Co., one of Brazil's largest financial technology companies. Often called "the Stripe of Brazil," Pagar.me provides Brazilian e-commerce merchants, marketplaces, SaaS companies, and subscription businesses with a single REST API and a set of official SDKs to accept credit and debit cards, Pix instant payments, boletos, vouchers, and digital wallets, with built-in 3DS 2.0 anti-fraud, payment splitting and recipient management for marketplaces, recurring billing through plans and subscriptions, anticipation of receivables, payment links, an embedded Checkout, and signed webhooks. The Pagar.me Core API v5 (2021-09-01) is the current stable surface, exposed at https://api.pagar.me/core/v5 with HTTP Basic authentication, and is backed by SDKs in Node.js, Python, PHP, Ruby, Java, .NET, and Go. Pagar.me is PCI DSS Level 1 certified and powers payments for Brazilian brands including Leroy Merlin, Casa & Vídeo, Polishop, Usaflex, and Catarse.
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 Pagar.me the way a machine reads it — 54 machine-readable artifacts across 17 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 — Pagar.me scores 27.3/100 (emerging), with a separate agent-readiness read of 16/100 (agent aware). 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 Pagar.me
Each block below is one kind of artifact we hold for Pagar.me. 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 17
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.
Pagar.me Orders API
Create, list, retrieve, and manage orders — the top-level payment object in the Pagar.me Core API v5. Each order can contain one or more charges paid via credit card, debit card...
Pagar.me Charges API
Manage individual charges (cobranças) — the unit of capture inside an order. Get a charge, edit its payment method or saved card, capture a pre-authorized amount, refund all or ...
Pagar.me Customers API
Create and manage end-customer (buyer) records — personal data, CPF/CNPJ, contact info, and addresses — so that orders, subscriptions, and saved cards can be tied to a stable cu...
Pagar.me Cards API
Tokenize, save, and edit credit/debit cards inside a Pagar.me customer wallet, off-load PCI scope, and reuse cards for one-click buy and recurring charges. Supports network toke...
Pagar.me Plans API
Define reusable recurring billing plans — pricing, billing cycle (days/weeks/months), trial period, installment count, accepted payment methods, and items — to back subscription...
Pagar.me Subscriptions API
Create customer subscriptions either from a saved plan or as standalone (avulsa) subscriptions, renew billing cycles, edit payment method / card / discount / minimum price, chan...
Pagar.me Recipients API
Onboard and manage recipients (recebedores) — the sub-merchants that receive split payments in a marketplace. Create the recipient, run the KYC / prova de vida flow, attach bank...
Pagar.me Transfers API
Create, cancel, list, and retrieve transfers from a recipient's Pagar.me balance to their registered bank account, plus pull the official transfer receipt (comprovante). Pair wi...
Pagar.me Balance Operations API
Inspect the per-recipient balance ledger — every credit, debit, fee, refund, chargeback, anticipation, transfer, and adjustment that moves money in or out of a Pagar.me account....
Pagar.me Receivables API
List the merchant's future receivables — the installments of credit-card sales that will settle over the coming weeks and months. The basis for cash-flow forecasting and for any...
Pagar.me Anticipation API
Anticipate receivables (antecipação) — Pagar.me's working-capital product that lets a merchant or marketplace recipient pull future credit-card installments to today's balance f...
Pagar.me Settlements API
Retrieve settlements (pagamentos) — the actual money movements out of Pagar.me to recipients — individually, in bulk, or scoped to a specific recipient. Closes the loop between ...
Pagar.me Disputes & Chargebacks API
List and retrieve disputes (disputas) and chargebacks raised against the merchant's transactions, including the new chargeback-specific charge status. Lets risk and finance team...
Pagar.me Payment Links API
Generate, list, retrieve, activate, and cancel payment links — short URLs that wrap a Pagar.me Checkout for sale-by-link, WhatsApp commerce, Instagram bio links, and lightweight...
Pagar.me Contracts & URs API
Manage contract effects and Unidades de Recebíveis (URs) under the Brazilian Central Bank's Resoluções BCB 264 and 349 receivables-registry regime. List contract effects, contes...
Pagar.me Webhooks API
Subscribe to and receive signed webhook events for every meaningful state change on Pagar.me — order.paid, charge.captured, charge.refunded, subscription.created, recipient.kyc_...
Pagar.me Hosted Checkout
Pagar.me's drop-in hosted Checkout. Embed Pagar.me's PCI-compliant payment form to take credit card, Pix, and boleto for one-off orders and subscriptions, with first-class AI/ag...
Scroll within the panel for all 17 ·
Features 13
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.
Brazilian payment methods, first-class
Credit and debit cards across all major Brazilian brands, Pix (instant), boleto bancário (including DDA), private label cards, vouchers, and digital wallets — all behind a singl...
Marketplace split payments and recipients
First-class recipients (recebedores), KYC / prova de vida, sub-merchant management, and configurable split rules per charge or order — the backbone of every Brazilian marketplac...
Recurring billing
Plans + Subscriptions API for SaaS, streaming, education, and club-of-the-month businesses, including standalone (avulsa) subscriptions, cycle renewal, plan editing, and one-cli...
Anti-fraud with 3DS 2.0
Built-in fraud screening and 3DS 2.0 challenge flows (including a HUB integration manual and v1-to-v2 migration guide) to reduce chargebacks and meet card-network mandates.
Anticipation of receivables
Working-capital product that lets the merchant pull tomorrow's credit-card installments to today's balance via the Anticipation API, with limits inspection and spot simulation.
Tokenization and Card Updater
PCI-scoped tokenization, network tokens (token de bandeira), and the Card Updater service that automatically refreshes cards on file when issuers re-issue them — keeping subscri...
Hosted Checkout and Payment Links
Drop-in PCI-compliant payment form plus shareable payment links for sale-by-link, WhatsApp commerce, and Instagram-bio commerce. Documented "Checkout Skills" for AI-assisted int...
E-commerce platform modules
First-party modules for Magento 2 / Adobe Commerce, WooCommerce, VTEX, Nuvemshop, and Shopify that wrap the Core API behind a click-to-install plugin.
Webhooks with signature verification
Signed webhook events for every order, charge, subscription, recipient, and dispute state change — the asynchronous spine of any production integration.
Receivables registry compliance (Res 264/349)
Native support for the Brazilian Central Bank's receivables-registry regime — contract effects, contests, and Unidades de Recebíveis (URs) per recipient.
PCI DSS Level 1
Pagar.me holds the highest PCI DSS Level 1 certification, so merchants can tokenize and store cards through Pagar.me and stay out of full PCI scope themselves.
Official SDKs in seven languages
Maintained Node.js/TypeScript, Python, PHP, Ruby, Java, .NET Standard, and Go SDKs generated from the Core API v5 spec, all published from the pagarme GitHub org.
AI-assistant-friendly docs
A documented llms.txt index, OpenAPI-formatted reference, and "Checkout Skills" patterns explicitly aimed at Claude Code, Codex, Cursor, and Copilot users wiring Pagar.me into a...
Scroll within the panel for all 13 ·
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 7
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.
Brazilian e-commerce checkout
Accept credit card, Pix, and boleto on a Brazilian online store via the Orders API, the hosted Checkout, or one of the platform modules (Magento, WooCommerce, VTEX, Nuvemshop, S...
Marketplace with payment splitting
Onboard sellers as recipients, run KYC, configure split rules, and have Pagar.me settle each sub-merchant's share into their own bank account.
Subscription and SaaS billing
Charge recurring credit-card or Pix subscriptions through Plans and Subscriptions, with automatic retry, card updating, and chargeback handling.
Sale-by-link / social commerce
Generate Pagar.me Payment Links and share them on WhatsApp, Instagram, or email for no-website-needed sales.
Crowdfunding and donations
Used by Brazilian crowdfunding platforms (e.g. Catarse) to collect pledges across multiple payment methods and split funds among project recipients.
Working-capital advance
Anticipate receivables to convert credit-card installments into immediate cash to fund inventory, payroll, or marketing.
AI agents that take payments
Wire Pagar.me into AI coding assistants and agents (Claude Code, Codex, Cursor, Copilot) using the documented llms.txt index and the Checkout Skills for orders and subscriptions.
Scroll within the panel for all 7 ·
Integrations 11
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Stone Co.
Pagar.me is Stone Co.'s API-driven online payments brand; the two share regulatory infrastructure, anti-fraud rails, and the Stone API migration path documented in Pagar.me's re...
Magento 2 / Adobe Commerce
Official Magento 2 module (github.com/pagarme/magento2) with full installation, configuration, and feature-activation documentation.
WooCommerce
Official WooCommerce plugin (github.com/pagarme/woocommerce) with dashboard, payment methods, and feature-activation documentation.
VTEX
Pagar.me connector for VTEX, including marketplace seller flows, private-label card registration, and feature activation.
Nuvemshop
Pagar.me Nuvemshop app for Brazilian SMB merchants — install via the Nuvemshop app store and configure from the Pagar.me dashboard.
Shopify
Integration guide and feature-activation flow for using Pagar.me as a payment provider inside Shopify stores serving Brazilian buyers.
Google Pay
Accept Google Pay payments on Brazilian Android devices through the same Orders / Charges surface, documented as a first-class payment method.
Pix (Brazilian Central Bank)
Native integration with Pix, Brazil's central-bank-run instant payment system, including a Pix simulator for testing.
Card networks (Visa, Mastercard, Elo, Amex, Hipercard)
Documented brand-specific behavior — Amex business model identifiers, Visa/Elo recurring IDs for external subscriptions, Visa capture deadlines, MCC validation rules, and brand ...
3DS 2.0
Pagar.me HUB and direct 3DS 2.0 integration manuals for card-not-present authentication.
AI coding assistants
First-class docs for integrating Pagar.me with Claude Code, Codex, Cursor, and Copilot via the llms.txt index and Checkout Skills.
Scroll within the panel for all 11 ·
Solutions 5
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Pronto para usar (Ready-made)
Hosted Checkout, Payment Links, and pre-built platform modules for merchants who want to accept Brazilian payments without writing API code.
Customizado (Custom)
Direct Core API v5 + official SDK integration for marketplaces, SaaS billing, and high-volume merchants that need full control over the order, charge, split, and recurring lifec...
E-commerce
Complete checkout-to-settlement stack — Orders, Charges, Customers, Cards, anti-fraud, and hosted Checkout — for Brazilian online stores.
Subscriptions
Recurring billing for SaaS, streaming, education, and club-of-the-month businesses on top of Plans, Subscriptions, the customer wallet, and the Card Updater.
Marketplace
Recipients, KYC, split rules, transfers, and Res 264/349 receivables-registry support for multi-vendor Brazilian marketplaces.
Resources
Every other property we hold for Pagar.me — 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 6
Portal, sign-up, and the first successful call
Documentation 6
Reference material describing how the API behaves
Build 9
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 9 ·
Access & Security 2
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/pagar-me · machine-readable index on apis.io