Acqio

Acqio Overview For Merchants

Acqio is a Brazilian payment service provider that offers card present and online payment solutions for micro, small, and midsize merchants. Founded in 2014, Acqio operates a franchise-led distribution model and positions itself as an acquiring institution for retail. The company provides POS terminals, a payment link product, and an online gateway called Acqio Online. In addition, Acqio emphasizes personalized pricing, receivables installment sales up to 12x, receivables advance options, and PCI-aligned security controls.

What Acqio Offers

• POS acceptance with multiple device options

• Online payments via API and hosted flows

• Payment link for social and remote sales

• Installments up to 12x for customers

• Receivables management and anticipation

• Digital account to receive funds

• Local support through a franchise network

• PCI DSS aligned security controls, tokenization, and a developer portal

How Acqio Works

Acqio combines in person acceptance through its POS devices with remote and online acceptance. Merchants can accept debit and credit, offer installments at the point of sale, and sell remotely using a payment link. For e commerce and apps, Acqio Online provides integration and tokenization so returning customers can be charged using stored credentials in a secure environment. Settlement is directed to a merchant’s bank account or to a digital account offered within Acqio’s ecosystem.

In Person Acceptance

POS Portfolio

Acqio publishes several device options in its “Parceironas” line, such as Smart POS and models like C680 and S920. Key characteristics highlighted across the device pages and blog include:

• Card present acceptance for debit, credit, and installments up to 12x

• Contactless acceptance

• Connectivity via 3G or Wi Fi with data chip included, depending on model

• Printed and digital receipts via SMS

• Real time transaction tracking in the Acqio Lojistas app

• Transfers without a minimum amount

• Immediate terminal replacement in case of defect

• On site, consultative service provided by the local franchisee

Acqio’s materials frequently describe acceptance of the main card brands in Brazil. Financial statement notes show receivables relationships with Visa, Mastercard, Elo, and American Express, indicating coverage of the principal schemes used by Brazilian consumers.

QR Code And Auxiliary Methods

For certain use cases, Acqio describes QR code flows at the POS, including flows that leverage customer mobile apps to initiate the payment. The company’s ouvidoria report also mentions transactions via Pix, and various product pages cite acceptance of complementary rails or wallets alongside cards.

Remote Sales: Payment Link

Acqio Link

Acqio Link is a payment link you generate in the Acqio Lojistas app or merchant portal, then share over social networks, email, or WhatsApp. Key points:

• Create a link with amount and payment type from the app

• Accept debit or credit remotely

• Offer installments up to 12x

• No website is required to collect the payment

This is aimed at merchants who sell by chat or social channels and want to reduce checkout friction without building a storefront.

Online Payments: Acqio Online

Gateway And API

Acqio Online is the company’s e commerce payment solution. It is positioned as omnichannel and provides a developer portal for integration. Core items Acqio highlights:

• API documentation for web and app integrations

• Built in tokenization, with card data vaulted in a secure “cofre”

• PCI DSS aligned security posture

• No setup cost and no monthly fee listed on the product page

• A free digital account to receive payments

For merchants with recurring or repeat purchases, tokenization enables card on file scenarios handled by Acqio’s infrastructure rather than the merchant’s servers.

Pricing And Fees

Acqio presents pricing as personalized rather than fixed tables. Public materials emphasize the following:

• Personalized rates by segment and business profile rather than a single flat price for all merchants

• No setup cost and no monthly fee listed for Acqio Online

• No rental or sign up fee highlighted for certain POS offers in the blog

• “Taxa Zero” option where the installment cost can be passed to the customer at checkout

Because Acqio tailors rates per merchant and segment, you should expect pricing to be quoted after a consultation. Published content does not show a public fee grid for MDR or installment multipliers. Merchants that require exact line item pricing should engage Acqio for a written proposal and confirm how installment surcharges, anticipation, and chargeback fees apply in their contract.

Funding, Settlement, And Receivables

Acqio indicates that merchants can manage receivables, offer installment sales up to 12x, and request receivables anticipation. Device pages and blog articles mention transfers without a minimum amount and flexibility to receive funds at the bank the merchant chooses, or in a digital account available within the ecosystem. Acqio does not list public D plus funding timelines on its site, so timelines and anticipation costs should be confirmed during contracting.

Merchant Onboarding And Operations

• Franchise led go to market: Acqio operates a national franchise network that provides local, in person support and consultative onboarding.

• Quick sign up: Blog content refers to merchant onboarding being completed in minutes in some offers. As with any acquirer, the onboarding process will still require standard KYC information.

• Monitoring: The Acqio Lojistas app provides real time sales tracking and access to generate payment links.

• Device logistics: Acqio cites quick delivery and immediate replacement for defective terminals.

Security And Compliance

Acqio’s security documents and product pages consistently reference PCI DSS alignment, PCI PIN for PIN security, and organizational security policies. For online payments, Acqio Online highlights tokenization and secure vaulting of card data to limit merchant PCI scope. Privacy materials reference LGPD compliance practices and encrypted data sharing.

For the digital account experience referenced on the site, Acqio notes that Esfera 5 Tecnologia e Pagamentos S.A. is not a bank and acts as a banking correspondent to QI Sociedade de Crédito Direto S.A. under Brazilian rules. This indicates that account and certain credit or settlement features are provided through a regulated partner structure, which is standard in the Brazilian market. Merchants should verify which legal entity appears on their contract and settlement statements.

Developer Experience

• Developer portal available at dev.acqio.com.br for Acqio Online

• API for integrating web and mobile checkouts

• Tokenization to support card on file use cases

• Omnichannel positioning to align online and in store acceptance

Merchants should review the API documentation during technical due diligence to validate available payment methods, installment parameters, anti fraud options, and webhook events.

Support And Merchant Care

Acqio publishes contact and ombudsman details, plus service hours for the support center. The franchise model also implies a local point of contact for merchants. If you rely on fast device swap or on site troubleshooting, confirm SLAs and cut off times in your contract.

Who Acqio Fits

Acqio’s public materials target merchants that value:

• Localized service through a franchisee who can provide in person support

• Ability to sell by link without a storefront

• Installments and receivables management typical of Brazilian retail

• A single provider for POS, link, and gateway with tokenization and PCI aligned controls

Acqio may be a fit for brick and mortar shops, service providers, SMB e commerce, and social sellers. Enterprises or marketplaces with complex split settlements, sub merchant onboarding, and advanced anti fraud may need to validate those features in Acqio’s API and commercial offer.