# Cielo

**Canonical:** https://apis.io/providers/cielo/  
**Website:** https://developercielo.github.io/  
**APIs profiled:** 13

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.

## Kin Score — 29.2 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 29.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (13)

- **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...

## Security (1)

- **Cielo Domain Security** — TLSv1.3 · HSTS · DMARC

## Use cases (10)

- **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...

## Tags

Payments, Acquiring, Fintech, Brazil, Point-of-Sale, Card Processing

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cielo/). Scores are computed from the provider's own public artifacts under a published rubric.