Pagar.me
Stone's online payments platform: API, checkout, payment links, subscriptions and split, with payouts into a Stone account.
- Price
- Pay per transaction: 0.99% per Pix, 4.19% one-time card; other rates not public
- Free plan
- No
- Setup
- Needs a developer
- Up and running
- A few days: the account review, then up to 3 business days for Pix; the integration itself in 2 to 4 days of development.
What Pagar.me is for
Pagar.me is Stone's online payments platform: your app uses it to take card, boleto and Pix, run subscriptions and split a payment between several receivers. The money lands in a Stone business account. It's built for companies that will write an integration, not for a quick payment link.
How it plugs into your product
- 1Sign up with an active CNPJ and a website, and wait for the account review.
- 2Ask for Pix to be enabled; the team reviews it in up to 3 business days on average.
- 3From your server, create the order or the subscription through the API (v5) and test with the test keys.
- 4Add webhooks so your app unlocks or blocks access as payments are approved or fail.
Does it fit your idea?
It fits if
- You run a marketplace or platform that has to split each payment between you and your sellers.
- Your SaaS bills mostly by card or boleto and you want card money the next day.
- You already use Stone and want online and in-person sales in one account.
Look elsewhere if
- You don't have a CNPJ yet.
- You want subscribers to pay their monthly plan by Pix.
- You want to compare every fee before signing up, without talking to sales.
What people only find out after building
Read this before you build on it. Each item links to the official page that says so.
You need an active CNPJ and a website just to become a client. An individual with only a CPF can't sign up.
Official source: pagarme.helpjuice.comPix isn't on by default: the team has to approve it, and the review takes up to 3 business days on average.
Official source: pagarme.helpjuice.comSubscriptions take credit card, debit card and boleto. Pix isn't on the list, so a Pix-first subscription product doesn't fit here.
Official source: docs.pagar.meIf you refund a Pix, the original Pix fee isn't returned and there's a transfer fee on the refund.
Official source: pagarme.helpjuice.comOnly the Pix and one-time card rates are on the site, and next-day payout comes with an asterisk. Boleto, installments and the payout conditions go through sales.
Official source: pagar.me
Price
Pay per transaction: 0.99% per Pix, 4.19% one-time card; other rates not public
No monthly fee listed; you pay per transaction.
- Card fee
- 4.19% (one-time payment)
- Pix fee
- 0.99%
- Boleto fee
- Not public
- When you get paid
- Next day (with conditions on the site)
- Subscriptions
- Yes: credit, debit and boleto (no Pix)
Checked on Oct 28, 2026 · official pricing
What it costs in practice
A SaaS with 200 subscribers at R$49 on card (R$9,800 a month): 4.19% ≈ R$411 a month in fees (estimate). Pix one-off payments would cost 0.99% ≈ R$97, but subscriptions don't take Pix.
Estimate from the official price. Check it before you decide.
For Brazil
- Takes Pix: yes
- Takes boleto: yes
- Issues nota fiscal: not stated
- Support in Portuguese: yes
“Not stated” means the official site doesn’t say.
Alternatives
Compare side by side
iuguBrazilian billing and payments platform built around recurring revenue, with subscriptions, split and Pix, boleto and card.
AsaasBrazilian billing platform that takes Pix, boleto and card, runs subscriptions and issues service invoices from the same account.
Mercado PagoMercado Livre's payments arm: checkout, payment links and subscriptions with Pix, boleto, card and Mercado Pago balance.
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