# Pagar.me **Canonical:** https://apis.io/providers/pagar-me/ **Website:** https://pagar.me **APIs profiled:** 17 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. ## Kin Score — 27.0 / 100 (thin) Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 27.0). | Facet | Score | |---|---| | Discoverability | 74.1 | | Contract Quality | 0.0 | | Governance | 0.0 | | Contract Governance | 0.0 | | Operational Transparency | 5.3 | | Developer Ergonomics | 81.0 | | Commercial Clarity | 23.7 | | Access Clarity | 23.7 | Regulatory layer — **Payments**: 18.8 (matched via tags). ## Agent readiness — 11.5 (agent-aware) | Dimension | Value | |---|---| | Spec Presence | no | | Agentic Access | no | | Reversibility Documented | no | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | no | | OpenAPI Examples | no | | Rate Limit Signal | documented | | 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 (17) - **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... ## Security (1) - **Pagar Me Domain Security** — TLSv1.2 · HSTS · DMARC ## Use cases (7) - **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. ## Tags Payments, Financial-Services, Fintech, Brazil, Latin America, Stone Co, Pix, Boleto, Credit Card, Marketplace, Split Payments, Subscription, Recurring Billing, Anti-Fraud, 3DS, Checkout, Payment Links, Webhook, E-Commerce, Anticipation --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pagar-me/). Scores are computed from the provider's own public artifacts under a published rubric.