Frequently Asked Questions

Business Requirements from Merchants

No, we are able to pay to bank accounts in almost all countries. We usually pay in USD, EUR, or GBP.

No, no local entity is required.

No, there is no local registration required whatsoever, with the exception of selling cross-border food products into Mexico.

To conply with anti-money laundering legal requirements, we need to review specific financial details from your organization. We will never ask for more than we need, and are very specific in the international requirements we follow.

Fees are charged by volume tier. More info here:

We can move quickly (within 2 weeks) on our side. Contract initiation really depends on your ability to return the contract and key financial/company details (to comply with global anti-money laundering laws) back to us.

As soon as we decide to move ahead with a partnership, our commercial team will share with you the required details and connect you with our technical team so your developers can begin roadmapping the integration.

Legal and Operational Info

In Brazil, currency exchange is regulated by the Brazilian Central Bank (BCB) and divided in two different exchange rates: 1. tourism rate (dolar turismo), aimed at consumers (B2C) and 2. commercial rate (dolar comercial), which applies to corporates (B2B).

Our exchange rate provided is the official commercial exchange rate on the day of the remittance of the funds. epag doesn’t charge currency or tax fees to consumers.

You can find the dolar turismo here, and dolar comercial here.
In Brazil, our main regulating body is the Brazilian Central Bank (BCB – Banco Central do Brasil) and we have a few secondary regulators dependent on activities.

Further information can be found here.
Yes – 39784045087 (visually usually: 397.840.450-87)

More info here.
  • Customer’s data:
    • Full name
    • Tax Id
    • Email
    • Date of Birth
    • Complete Address
      • City
      • State
      • Country
      • Zip Code
    • Phone with area code
  • In case of Credit card as payment method:
    • Credit Card number (only numbers)
    • Name of credit card owner
    • Security code of the card
    • Expiration year on the card (with century, e.g. 2023)
    • Expiration month on the card
  • Tax ID:
    • In Brazil, the tax ID is the CPF, in the case of individuals, and the CNPJ, in the case of businesses
  • In the case of Boleto as payment method:
    • No additional fields

Payments & Processing Details

Yes, we also remit in EUR, GBP and AUD.

We use multiple partners. For credit cards we use local acquirers and for alternative payments we use either banks or build direct relationships with cash payment schemes.

We operate in a model similar to other PSPs. We replicate international transactions and handle them locally, to comply with the regulations in each country. We set up a back-end API integration to do so.

The fee is dependent on volume tier. It is a fixed fee on each successful transaction, and is charged to the merchant.

No fees are ever charged by epag to the users, unless expressly instructed to do so by the merchant.

Installments available depend on the country and card schema, but there is a maximum of 12 installments.

This depends on the payment method: Cash payments, such as Boleto or Oxxo are asynchronous, other methods are not.

We allow for merchants to process recurring transactions via tokenized payments whenever the payment method supports it. Epag also allows the merchant to decide whether to use tokenized transactions or one-off transactions also for regular purchases.

Technical Integration & Details

If the currency in which you receive funds from us (e.g. USD or EUR) is different from the currency in which we collect funds from your users (e.g. BRL or ARS), we charge a FX Fee of 3.0% on the amount we remit.

Due to fixed cost imposed by the remitting institutions, an additional charge of $79 applies for international settlements if you want us to settle an amount lower than $5,000 USD ($9 for national settlements).

Currently we support server to server integrations, made via a RESTFul API.

Hosted checkout will be released in the near future.

Yes, we are open to partnering with merchants through integrators and are happy to discuss technical work with an integrator of choice directly, if the merchant provides an introduction. We are currently available via a variety of billing platforms and integrators, including Optile in Germany, and CloudMoolah in Singapore.
Yes. We can provide mock credit card details for a testing environment. More info here
The integration itself can take anywhere from 2 days to several weeks, depending on a few factors. Usually it takes a week or so. The technical documentation can be found here.

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Made with ❤️ in São Paulo and Lisbon.
© 2021 EPLP Tecnologia em Pagamentos Ltda.
Company Reg No 28.677.127/0001-69. Reg TM No 916335305.