PagBank
PagSeguro's bank and gateway: checkout, payment links and recurring payments with Pix, boleto and card, paid into a PagBank account.
- Price
- Pay per transaction: 1.89% per Pix, card from 3.99% + R$0.40 (paid in 30 days)
- Free plan
- No
- Setup
- Needs a developer
- Up and running
- A payment link the same day; a subscription flow takes a few days, plus however long the integrations team takes to release production.
What PagBank is for
PagBank is PagSeguro's bank and online gateway: your app uses it to take Pix, boleto and card through a ready-made checkout or payment link, with up to 18 installments. The money lands in your PagBank account. You choose whether card money arrives in 14 or 30 days, and faster costs more.
How it plugs into your product
- 1Open a PagBank business account (CNPJ) and finish the onboarding review.
- 2Build and test in the sandbox with its own token, separate from production.
- 3For subscriptions, contact PagBank's integrations team to release the recurring API in production.
- 4From your server, create the plan and the subscription, and add webhooks so your app knows when each charge is paid.
Does it fit your idea?
It fits if
- You sell an annual plan or a course and want to offer it in many installments on card.
- Your business already banks with PagBank and you want sales and expenses in one account.
- Your subscribers pay by credit card and you're fine waiting 30 days for the lower rate.
Look elsewhere if
- Most customers pay by Pix: 1.89% is well above flat-fee gateways.
- You want subscribers to renew by Pix.
- You're an individual (CPF) and want to build subscriptions into your app through the API.
What people only find out after building
Read this before you build on it. Each item links to the official page that says so.
The recurring payments API is only for business (PJ) accounts approved in onboarding, and production has to be released by PagBank's integrations team.
Official source: developer.pagbank.com.brThe recurring checkout and recurring payment link take credit card only. Pix isn't supported for subscriptions.
Official source: developer.pagbank.com.brCard and boleto cost 4.99% + R$0.40 to get the money in 14 days, or 3.99% + R$0.40 to wait 30 days.
Official source: pagbank.com.brIf you offer installments without interest to the buyer, you pay 2.99% a month on them.
Official source: pagbank.com.brPix money arrives in about 1 hour, but that depends on availability and a security review.
Official source: pagbank.com.br
Price
Pay per transaction: 1.89% per Pix, card from 3.99% + R$0.40 (paid in 30 days)
No sign-up fee; you pay per transaction.
- Card fee
- 3.99% + R$0.40 (paid in 30 days)
- Pix fee
- 1.89%
- Boleto fee
- 3.99% + R$0.40 (paid in 30 days)
- When you get paid
- Pix within 1 hour; card in 14 or 30 days
- Subscriptions
- Yes, by card (boleto via API only)
Checked on Oct 28, 2026 · official pricing
What it costs in practice
A SaaS with 200 subscribers at R$49 on card, paid in 30 days: 200 × (3.99% of R$49 + R$0.40) ≈ R$471 a month, about 4.8% of revenue (estimate). Getting it in 14 days: 200 × (4.99% of R$49 + R$0.40) ≈ R$569.
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
Mercado PagoMercado Livre's payments arm: checkout, payment links and subscriptions with Pix, boleto, card and Mercado Pago balance.
Pagar.meStone's online payments platform: API, checkout, payment links, subscriptions and split, with payouts into a Stone account.
AsaasBrazilian billing platform that takes Pix, boleto and card, runs subscriptions and issues service invoices from the same account.
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