Belluno

Belluno Payment Gateway Overview For Merchants

Belluno is a Brazil-based payments and cash flow platform that offers merchant payment acceptance across online and in-store contexts, with an emphasis on Pix, cards, and boleto workflows. For merchants, Belluno combines an e-commerce payment gateway, payment links, Pix Cobrança, boleto issuance, and a card terminal option, plus a REST API to create, manage, and query payments. Belluno also supports operational features such as refunds for Pix and card payments, real-time Pix status updates for integrated checkout experiences, and reconciliation-oriented payables reporting by date.

Belluno Overview

Belluno positions its payment acceptance offering as a single-contract setup that can cover multiple merchant collection needs, including online checkout, out-of-store payments via payment links, and Pix-based billing flows. The product set is oriented to Brazilian payment rails and common merchant scenarios such as e-commerce checkout, B2B invoicing and collections, and omnichannel sales where Pix and boleto remain important methods alongside card payments.

Products And Acceptance Channels

Online (Web)

• An e-commerce gateway for connecting an online store to payment methods used in Brazil.
• Payment links that can be shared through messaging and social channels for remote checkout.

Pix Billing And Collections

Pix Cobrança flows that use dynamic QR codes and Pix Copia e Cola to support billing-style payments.

Boleto Issuance

Tools to generate and manage boleto cobrança, aligned with a pay-on-settlement commercial approach.

In-Store (POS Context)

A “maquininha de cartão” product designed for card acceptance in a physical establishment.

Payment Methods And Customer Checkout Experience

Pix And Pix Cobrança

Belluno supports Pix payments, including Pix Cobrança functionality aligned to billing use cases. Pix Cobrança is handled through a dynamic QR code per transaction, and Belluno also supports Pix Copia e Cola, a text-based alphanumeric code that mirrors QR-code payment data and can be copied and shared when scanning is not practical.

Belluno’s Pix flow is designed for real-time confirmation and post-payment routing in integrated experiences. This includes mechanisms for receiving payment status updates (including real-time updates) to improve the checkout flow, such as redirecting customers to a success state upon payment confirmation.

Cards

Belluno supports card payments for merchants, including card-based transactions that can be created and queried through its API. Its platform also includes capabilities commonly associated with safer card handling, including card token creation and card hash key creation for card-related operations.

For in-store contexts, Belluno offers a card terminal product intended to accept credit and debit card payments at a physical establishment.

Boleto

Belluno supports boleto issuance as a merchant collection method and positions boleto usage as a way to charge customers without relying solely on cards or Pix. Boleto is also reflected in Belluno’s Pix Cobrança narrative, where Pix Cobrança is framed as a boleto alternative with instant settlement advantages.

Settlement And Payout Timing

Belluno presents settlement timing as method-dependent:

Pix

Pix payments are positioned as settling instantly, with crediting to a business digital account.

Cards

Card payments are described with a D+2 settlement cadence in Belluno’s payment link context.

Boleto

Boleto settlement is positioned with an operational focus on receiving funds after liquidation, and Belluno also frames commercial terms around charging fees only when a boleto is paid.

For merchants integrating more deeply, Belluno supports a reconciliation-friendly approach to settlement visibility by offering payables reporting by date, including payables settled either by standard maturity or via receivables anticipation.

Integration Options And Developer Experience

REST API Coverage And Environments

Belluno provides a REST API intended for creating, maintaining, and querying payments. It supports both production and sandbox environments, with sandbox designed to simulate operations without real data. Authentication is handled using a bearer token approach.

Core Payment Objects And Flows

Belluno’s API supports common merchant payment workflows, including:

Card Payments

• Create card payments and query card payment status by transaction identifier.
• Manual transaction analysis for workflows that require additional review.
• Card-related utilities such as card hash key creation and validation code handling.

Payment Links

Create payment links and inactivate them when needed.

Boletos

Create new boleto transactions and query boleto objects by identifier.

Pix

• Create Pix transactions that generate a Pix QR code and query Pix payment status.
• Support for status updates using postback plus real-time update mechanisms designed to improve user experience.

Refunds And Cancellations

Belluno supports refunds (full or partial) through an API endpoint that applies to both card and Pix transactions. This can be relevant for merchant support operations and customer service processes that require partial adjustments or full reversals.

Tokenization

Belluno includes tokenization functionality for card data via endpoints designed to create and delete card tokens. This is relevant for merchants that prefer to minimize direct handling of raw card data across their own systems and rely on token-based processing patterns.

Plugins And Third-Party Integrations

Belluno lists integrations with commerce platforms and systems such as WooCommerce and Magento, as well as additional partners that indicate a focus on e-commerce enablement and operational connectivity. Belluno also describes integration with ERPs to generate charges efficiently and to streamline collections workflows.

Risk Management And Security Controls

Belluno’s risk posture for merchants is reflected in a combination of platform and operational controls:

Antifraud integration path

For card payments, Belluno highlights the value of integrating with a partner antifraud system to improve security for card-based sales.

Manual analysis capability

Belluno supports manual transaction analysis through an API workflow, which can be used to incorporate additional review steps for higher-risk transactions.

Tokenization

Card token creation and deletion supports token-based handling patterns.

High-ticket and B2B focus in payment links

Belluno describes its antifraud approach in payment link contexts as calibrated for higher-ticket processing and for characteristics seen in B2B sales.

Reporting, Reconciliation, And Operational Visibility

Belluno supports merchant operations beyond initial payment capture:

Receivables and payables reporting by date

• Belluno provides an API endpoint that returns which payables were settled on a specific date, including settlements by maturity or by receivables anticipation.
• This is positioned as a reconciliation-oriented alternative to card return files, supporting daily financial reconciliation routines.

Real-time Pix status

Pix status updates are structured to help merchants trigger business logic quickly, such as releasing digital goods or updating order state after confirmation.

Centralized flows across methods

With card, Pix, payment links, and boleto accessible within a single platform and API surface, merchants can unify payment operations across methods that otherwise require separate tooling.

Support And Onboarding

Belluno provides multiple merchant support touchpoints and an onboarding path tied to creating a business account:

• Sandbox access is tied to having a Belluno account created.
• Support options include a help center and direct contact channels, and Belluno positions “specialized support” for integration scenarios.
• For merchants that prefer guided implementation, Belluno also offers contact and conversation scheduling options.

Who Belluno Fits Best

Belluno is structurally aligned to merchants with Brazil-focused payment needs, especially those that require Pix alongside card and boleto acceptance. Common fit profiles include:

• E-commerce merchants needing a gateway plus Pix and boleto options.
• B2B sellers that rely on billing-style collections and higher-ticket payments, where Pix Cobrança, payment links, and antifraud measures are operationally relevant.
• Omnichannel merchants that sell through both online and physical environments and want a consistent set of merchant tools.
• Merchants integrating payments into back-office systems that benefit from API-based creation and querying of transactions, reconciliation routines, and structured refund workflows.

Conclusion

Belluno offers a Brazil-oriented merchant payment acceptance stack that combines an e-commerce gateway, payment links, Pix Cobrança, boleto issuance, and an in-store card acceptance option. Its REST API supports card, Pix, boleto, and payment link flows, plus operational features such as refunds, real-time Pix updates, tokenization, and receivables reconciliation reporting by date. For merchants operating in Brazil who need Pix-first acceptance with pragmatic operational tooling, Belluno presents a consolidated approach across major local methods and integration pathways.