Ecommerce sellers in Brazil usually pair a business account, or conta PJ, under a registered CNPJ with a payment provider that accepts cards, Pix, and boleto. Several providers combine both, offering an account plus payment acceptance, while some sellers keep banking and payments with separate providers.
Suits Ecommerce best
No single setup suits every store. Payment focused providers fit sellers who want card and Pix acceptance built in, while a digital bank fits those who mainly need a low cost account and invoicing.
Typical monthly fee
Accounts range from no monthly maintenance fee at several digital banks to small monthly fees at traditional banks. Payment acceptance is usually priced as a percentage per sale that varies by method and settlement speed, as of 8 April 2026.
Non resident position
A foreign owned store needs a Brazilian registered entity with a CNPJ and usually a Brazilian resident representative. Verify with the provider.
Providers that fit
Several payment and banking providers
Fees and features as of 8 April 2026Last reviewed 8 April 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Ecommerce sellers in Brazil open a conta PJ under a registered company with a CNPJ and connect a payment provider that accepts cards, Pix, and boleto. As of 8 April 2026 some providers combine the account and payment acceptance in one place, while others keep banking separate from the gateway. The main trade off is between an all in one tool and lower per sale cost from specialised providers. Compare the fees and confirm current terms with the provider.
What Ecommerce in Brazil need from a business account
Ecommerce stores need to accept card, Pix, and boleto payments, settle funds quickly, manage chargebacks and refunds, and reconcile high transaction volumes. That makes payment acceptance, clear settlement terms, and easy reconciliation the main needs, alongside a conta PJ for paying suppliers and taxes. Sellers on marketplaces should check how marketplace payouts reach their account. Stores that sell abroad also need to think about how they receive foreign payments and the related currency costs. Per sale rates and settlement times differ between providers, so weigh total cost against speed and support, as of 8 April 2026.
M
Mercado Pago
A widely used payment and account platform for online sellers, with card, Pix, and boleto acceptance and fast settlement options. Per sale rates depend on the method and how quickly you withdraw funds. Confirm the current schedule.
Best for
Sellers wanting payments and account together
Monthly fee
Per sale fees apply, no fixed monthly fee as of 8 April 2026
Combines a conta PJ with card and Pix acceptance and a card machine option, which suits stores that also sell in person. Per sale rates vary by method and settlement speed. Confirm current terms.
Best for
Stores selling online and in person
Monthly fee
Per sale fees apply, account has no monthly maintenance fee as of 8 April 2026
A digital conta PJ with unlimited free boletos on many plans and simple reconciliation, best paired with a separate gateway for card acceptance. Deposit protection arrangements differ, so confirm.
Most pair a conta PJ under a registered CNPJ with a payment provider that accepts cards, Pix, and boleto. As of 8 April 2026 some providers combine the account and payments, while others keep them separate. Confirm the fees and settlement terms with the provider.
How are ecommerce payments priced in Brazil?
Card and Pix acceptance is usually priced as a percentage per sale that varies by method and how quickly you withdraw funds, while the conta PJ itself often has no monthly maintenance fee at digital providers. Faster settlement usually costs more. Verify the current schedule with the provider, as of 8 April 2026.
Can a foreign owned store open an account in Brazil?
The store needs to be a registered Brazilian entity with a CNPJ, and foreign owners usually need a Brazilian resident representative with a CPF and a power of attorney. A non resident individual generally cannot open a company account directly. Verify with the provider, as of 8 April 2026.
How do ecommerce sellers receive payments from abroad?
Domestic sales settle through cards, Pix, and boleto. For sales abroad, sellers often use an international account such as Wise Business or arrange foreign exchange through a bank, since that affects the rate and the fees. Confirm current costs with the provider, as of 8 April 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 April 2026. Confirm current terms with the provider before applying.