Asaas

Asaas Overview For Merchants

Asaas is a Brazil-based payment platform that combines collections, a digital business account, and developer tools in one place. Merchants use Asaas to accept Pix, boletos, and cards, automate billing and subscriptions, issue service invoices, split payments across multiple parties, and reconcile payouts inside a PJ digital account. Asaas positions itself with transparent per-transaction pricing, no mandatory monthly fee for core collections, and an API-first approach that suits both non-technical teams and engineering-led companies.

Key Capabilities At A Glance

• Payment Methods: Pix, boleto bancário, credit and debit cards, payment links, hosted checkout.

• Automated Billing: One-off, installments, subscriptions and recurring charges.

• Digital Account: PJ account for receiving funds, paying suppliers, and managing cash flow.

• Tax Invoicing: NFS-e issuance and webhooks for invoice events.

• Marketplace Features: Split payments, subaccounts, and optional escrow for subaccounts.

• Developer Toolkit: REST API, webhooks, checkout SDK patterns, and plugins for Shopify and WooCommerce.

• Compliance Signals: Asaas states it is an authorized payment institution with code 461 and highlights PCI DSS compliance on its site.

Supported Payment Methods

Pix

• What you can do: Generate dynamic or static Pix QR codes, accept instant payments 24×7, and have funds deposited to your Asaas digital account in seconds.

• Where it fits: Instant checkout, social commerce, and B2B collections that benefit from real-time confirmation and no clearing delays.

• Pricing example: Asaas advertises introductory pricing per Pix transaction for new merchants, then a fixed per-transaction fee after the first three months.

Boleto Bancário

• What you can do: Issue boletos in one-off, installment, or recurring formats. You can also embed a Pix QR on the boleto to let customers pay instantly if they prefer.

• Where it fits: B2B or consumer flows where invoices, longer due dates, and offline payment options are important.

Credit And Debit Cards

• What you can do: Accept cards without a physical terminal, offer subscriptions, and enable installments in many scenarios.

• Checkout options: Hosted checkout or payment links so customers can pay on desktop or mobile without a custom integration.

• Pricing example: Asaas publishes a starting blended rate and fixed fee per card charge during the first three months.

Payment Links And Hosted Checkout

• Payment links: Create and share a single link that lets customers choose Pix, boleto, or card. Links can be reused, set with due dates, and configured for installments or subscriptions.

• Hosted checkout: A ready-made checkout page that supports Pix, card, boleto, subscriptions, and redirect flows. Useful for quick launches and consistent UX.

Digital Account And Cash Management

• PJ digital account: Receive Pix, boleto, and card settlements into your Asaas account.

• Cash out: Pay suppliers and move funds via standard rails supported by Asaas.

• Reconciliation: Retrieve account statements and identify entries related to fee events, reversals, or receivables anticipation through the API.

This integrated model lets finance teams reconcile collections, fees, refunds, and withdrawals inside a single ledger.

Subscriptions, Recurrence, And Dunning

• Subscriptions: Create recurring plans. Asaas pre-generates upcoming charges ahead of the due date, which helps with proactive dunning and forecasting.

• Installments: Configure installment sales and link them to your cash flow or receivables strategy.

• Multichannel reminders: Automated email and SMS notices are available. Customization options are offered and may require an advanced plan.

Marketplace, Platforms, And Split Payments

• Split payments: Divide a single customer payment automatically among multiple recipients, useful for marketplaces, platforms, or affiliate models.

• Subaccounts and white label: Create subaccounts for your sellers or clients, allowing them to issue charges in their own name and manage their balances individually.

• Escrow for subaccounts: Optional escrow can hold funds for subaccounts until release conditions are met. This is helpful when you need to coordinate fulfillment or manage disputes before funds are settled.

These capabilities allow platforms to operate structured payout schedules and fee distribution without building all the payment plumbing themselves.

Invoicing And Fiscal Compliance

• NFS-e issuance: Schedule and issue service invoices programmatically, aligned with municipal requirements.

• Municipal configuration: Configure fiscal data per municipality, and update settings when the company’s tax domicile changes.

• Invoice webhooks: Subscribe to invoice lifecycle events to keep your ERP, CRM, or BI dashboards in sync.

Developer Experience

• REST API: Endpoints for customers, payments, subscriptions, payment links, invoices, account statements, and more.

• Checkout patterns: Hosted checkout flows for Pix, card, and recurring billing, plus redirect models for a low-code integration.

• Webhooks: Event notifications for payments, invoices, and other objects so your systems can react in real time.

• Plugins: Official guidance for eCommerce connectors, including WooCommerce and Shopify modules.

• Docs and support: A dedicated developer portal, how-to guides, breaking changes log, and support contacts for technical teams.

Security, Licensing, And Trust Signals

• Regulated status: Asaas publicly states it is an authorized payment institution supervised by Banco Central do Brasil and publishes its bank code 461 on its site.

• PCI footprint: Asaas displays PCI DSS compliance and references industry registries on its website.

• Transparency center: Policies, security documentation, and legal terms are linked in the site footer.

Merchants in regulated industries or with strict vendor reviews can reference these materials in due diligence checklists.

Typical Implementation Patterns

• B2B invoicing and services: Issue boletos with embedded Pix and automate reminders to reduce late payments.

• Subscription businesses: Use recurring charges with card or Pix, plus automated NFS-e issuance tied to each cycle.

• Marketplaces and platforms: Onboard sellers as subaccounts, configure split rules, and optionally hold balances in escrow until delivery.

• Social and link-based commerce: Launch fast with payment links or hosted checkout without a custom storefront.

• SMBs expanding payment mix: Add Pix and card acceptance without hardware, and reconcile settlements in the digital account.

Conclusion

Choose Asaas if you operate in Brazil, need Pix, boleto, and card acceptance, and want a single vendor to combine collections, a PJ digital account, invoicing, and developer tools. It suits merchants that value quick launch with payment links and hosted checkout, yet want room to scale into subscriptions, marketplaces, and automated fiscal flows. If you require cross-border processing, multi-currency acquiring, or specialized alternative methods not common in Brazil, plan for additional providers.