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Pagsmile

Pagsmile

LATAM Cross-Border Payments

VS

Cielo

Brazilian Payment Acquiring

Cielo
Fees from
From 3.5% per transaction vs Custom
Features

1 shared

Regions

1 shared

Pay methods

5 shared

2 unique to Pagsmile · 5 unique to Cielo
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
1 features · 12 payment methods · 1 regions. We don't rank these — they're here for reference.
Pagsmile Pagsmile
Cielo Cielo
Quick Facts
Fees
Standard transaction rate
From 3.5% per transaction
Custom
Settlement
Time to receive funds
2–5 business days
—
Founded
2018
1995
Headquarters
Hong Kong
Barueri, Sao Paulo, Brazil
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Payment Methods
Cielo leads (10 vs 7)
Amex Unique
—
✓
Bank Transfer Unique
✓
—
Boleto
✓
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet
✓
✓
Elo Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
✓
—
Pix
✓
✓
Qr Code Unique
—
✓
Visa Unique
—
✓
Regions
Latin America
✓
✓

Pagsmile is best when you...

LATAM Cross-Border Payments
View Pagsmile

Cielo is best when you...

Brazilian Payment Acquiring
View Cielo

Frequently Asked Questions

What is the difference between Pagsmile and Cielo?
They share 5 payment methods and 1 region. Pagsmile adds Bank Transfer, OXXO that Cielo does not list; Cielo adds Amex, Elo, Mastercard and 2 more that Pagsmile does not list.
Which is cheaper, Pagsmile or Cielo?
Pagsmile has published rates from From 3.5% per transaction; Cielo has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pagsmile and Cielo?
Pagsmile lists 1 region and 7 payment methods; Cielo lists 1 and 10. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pagsmile and Cielo compare on integration and settlement?
both offer a sandbox; both support webhooks; Pagsmile publishes a settlement time of 2–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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