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Payment Gateway

Your operation runs on PIX and crypto. In practice, infrastructure often doesn’t keep up. Gateway charging full PIX rate with no volume negotiation. Crypto settlement that depends on custom exchange integration and FX risk. Webhooks arriving late and delaying product release. Anti-fraud blocking recurring customers. Integration requiring different endpoints for PIX, crypto, boleto and LATAM — each with its own payload, status, reconciliation logic. BSPay Payment Gateway solves that with a single infrastructure focused on PIX and crypto, with boleto and LATAM rails in the same API: PIX rate from 2.99% negotiable by volume, automatic crypto settlement in BRL, standardized webhook, multi-provider orchestration, native anti-fraud, split and recurrence across all methods.

What is the BSPay Payment Gateway?

BSPay Payment Gateway is the infrastructure that connects your operation to payment methods across Brazil and LATAM with focus on PIX and crypto — and additional coverage of boleto and regional rails (SPEI Mexico, PSE Colombia, Khipu Chile) — through a single REST API. It’s not a generic gateway: it’s a multi-provider orchestrator underneath (the system picks the best partner per transaction to maximize approval and uptime), a payments hub on top (all methods in one integration), with anti-fraud, split, recurrence and reconciliation native. PIX rate from 2.99% negotiable by volume — crypto settlement (USDT, USDC, BTC) frictionless without an external exchange.

In one sentence: the BSPay gateway is the single integration point for operations that process money at scale, replacing the fragmented stack of provider + sub-provider + gateway + anti-fraud with one platform.

How the BSPay Gateway works in practice

The flow is what you’d expect — just with fewer failure points and more control. Your front-end or backend calls the gateway API, BSPay routes to the best available provider for that method, processes it, returns the status and fires a webhook. From your code’s perspective, it’s a single integration.

When your operation needs a new gateway

Core features of the BSPay Gateway

BSPay: a gateway built for digital operations at scale

The BSPay Gateway processes today for over 30 thousand active businesses, from small shops to marketplaces handling high volume. Focus on PIX (rate from 2.99% negotiable by volume) and crypto (automatic BRL settlement, no external exchange), with boleto and LATAM in the same single API. Native split on every method. Cross-method anti-fraud included. Automatic multi-provider orchestration. Integrated Banking for instant settlement, no intermediate bank.

Portuguese-native 24/7 WhatsApp support with on-call engineers — not a bot. Typical integration in 3-7 days, with a dedicated implementation team to migrate from any current stack. See all features on the homepage or talk to a specialist.

BSPay Gateway — frequently asked questions

Which payment methods does the gateway support?

Focus on PIX and crypto. PIX with static and dynamic QR, PIX Cobrança and PIX Automático for recurrence, rate from 2.99% negotiable by volume. Crypto in USDT, USDC and BTC with automatic BRL settlement. Boleto with CIP registration and LATAM rails (SPEI Mexico, PSE Colombia, Khipu Chile) all covered in the same API. All methods exposed by a single REST API with a standardized webhook.

What is the PIX rate?

From 2.99% per transaction, negotiable by volume. The more PIX volume your operation processes, the lower the contracted rate. Transparent MDR, no hidden fees for setup, maintenance, anti-fraud or support.

How does multi-provider orchestration work?

When a transaction arrives, the gateway analyzes the method, amount, customer history and live health of each available provider to pick the best route. If the chosen provider fails on a technical error, the gateway automatically retries on a different provider — transparent to your code. Practical result: higher uptime and fewer transactions lost to a single-provider outage.

How long does integration take?

Typical technical integration: 3-7 days with the SDK. Full migration from another gateway with multiple methods: 2-4 weeks. Dedicated implementation team walks you from sandbox to production. E-commerce platforms with ready plugins (Shopify, WooCommerce, VTEX) go live in hours.

Does it support marketplace split?

Natively across PIX, boleto and crypto. You define the split at charge creation (who gets what, when) and the gateway distributes automatically at settlement. Supports split across multiple recipients (2, 5, 50, unlimited) with different CNPJs. Ideal for marketplace, co-production, revenue share, affiliates.

Does the gateway integrate with my current e-commerce?

Official plugins for Shopify, WooCommerce, VTEX, Magento, Nuvemshop, Wake, Yampi, Tray, Tiendanube. SDKs for Node, Python, PHP, Ruby, Java. REST API documented for any custom stack. Teams with custom checkouts integrate via direct API; those on platforms just install the plugin and set credentials.

How does crypto processing work?

Each charge generates a dynamic address for the customer to pay in USDT, USDC or BTC. The gateway confirms the on-chain transaction and, if you prefer, automatically settles in BRL into your BSPay Banking account at the prevailing rate. No currency risk on your operation, no extra integration with exchanges.

Which LATAM countries does the gateway cover?

Today: Brazil (PIX, boleto, crypto), Mexico (SPEI), Colombia (PSE) and Chile (Khipu). Continuous expansion to Argentina, Peru and other markets. All LATAM rails exposed by the same REST API, no separate regional provider contracts needed.

Is there a sandbox to test before going live?

Yes. Complete sandbox reproduces every possible status (approved, declined, pending, refund) with simulated PIX, fake boletos and crypto transactions on testnet. Creating a sandbox account takes minutes and doesn’t require full KYC — you can validate the integration before signing a contract.

And recurrence — how does it work?

Native recurrence via PIX Automático (single customer authorization, future charges without new confirmation) and crypto (via smart contract or scheduled charge). Webhook fires on each recurring charge so your backend can sync subscription status or product access.