Blu

Blu: Payment Acceptance And Cash-Flow Tools For Brazilian Merchants

Blu is a Brazil-based payments institution that combines payment acceptance with a digital business account and receivables management tools. Blu focuses on helping you collect payments across in-person and remote channels, route proceeds into a Conta Digital (digital business account), and use future card receivables to pay participating suppliers through its PagBlu flow with “taxa zero de antecipação” (no anticipation fee) in that specific use case. Blu was founded in 2013 and operates as an issuer of electronic money (emissor de moeda eletrônica) authorized by Banco Central do Brasil.

What Blu Is Built To Do

Blu positions its platform around the retail to supplier relationship, with capabilities that connect sales proceeds, receivables schedules, and supplier payments in one operating model. The core idea is:

• Accept payments through multiple merchant-facing channels (POS, tap-to-phone, Pix, payment links).
• Receive sales proceeds into the Blu Conta Digital PJ.
• Consolidate receivables, including those from other acquirers, via “portabilidade de vendas”.
• Use receivables and balances to pay registered suppliers via PagBlu, with automatic anticipation applied by Blu to complete supplier payments when needed.

Blu also offers supporting modules around receivables visibility, reconciliation, and payment operations inside the platform.

Payment Acceptance Channels

Blu supports several ways to take payments, ranging from face-to-face to remote collection.

POS Terminal (Card-Present)

Blu offers a “Maquininha Blu” for in-person card acceptance. The company also describes the ability to receive proceeds from Maquininha Blu sales into your Blu Conta Digital PJ and manage those sales alongside other payment methods within the same environment.

Tap-To-Phone Contactless (BluTap)

BluTap turns an NFC-capable smartphone into a contactless card acceptance device using Tap to Pay. The provider states that BluTap can accept:

• Credit and debit payments
• Digital wallets such as Apple Pay and Google Pay
• Contactless payments via card, phone, or smartwatch

The company also associates BluTap with “sem custo de adesão ou aluguel” (no sign-up fee or rental fee) and positions it for mobile sellers who want to start taking payments without waiting for hardware delivery.

Pix (QR Code And Pix Code)

Blu provides Pix acceptance that is designed for instant settlement into the merchant’s Blu Conta Digital. The company describes Pix receipts arriving in seconds and supports merchant collection using:

• QR Code
• Pix code sharing

Payment Links (Link De Pagamento)

Blu offers a Link de Pagamento product for remote selling. Merchants can generate a payment link and share it through channels such as WhatsApp. The company specifies that Link de Pagamento can settle “em até 1 dia útil” (up to 1 business day) after the sale, and it positions Link Blu as a remote collection method that is “livre de chargeback por fraudes” (free from chargebacks due to fraud).

Checkout And Billing Flows

Merchant collection options map to practical checkout and billing workflows:

• Payment links for remote checkout
• QR-based payments via Pix
• Contactless tap payments via BluTap on supported phones
• POS acceptance via Maquininha Blu

Cash Flow: Conta Digital, PagBlu, And Portability Of Sales

A key part of Blu’s merchant proposition is how payment acceptance ties into cash-flow operations.

Conta Digital PJ

The provider offers a Conta Digital for business use and describes itself as an institution of payments that follows Banco Central regulations. Contract terms describe the Conta Digital as enabling typical account functions such as:

• Paying boletos
• Transfers between accounts (including other institutions’ accounts)
• Balance and statement access
• Banking domicile functions
• Payments to utilities and taxes (subject to applicable rules and the contract)

PagBlu: Supplier Payments Using Receivables

PagBlu is described as a flow that lets merchants pay participating suppliers using current balances and or card receivables schedules. The company states that PagBlu is free for merchants and that, when paying registered suppliers through this mechanism, Blu can anticipate the needed amount automatically with “taxa zero de antecipação” in that context.

The company also describes a supplier network in the thousands and provides examples of supplier segments that include furniture, mattresses, optics, appliances, bicycles, and raw materials.

Portabilidade De Vendas (Bring Receivables From Other Acquirers)

Blu’s “portabilidade de vendas” is positioned as a way to centralize card receivables from other machines into the Blu environment. The provider explicitly references bringing receivables from providers such as Cielo, Rede, and Getnet. The goal is to consolidate receivables and enable supplier payments through PagBlu using those receivables, including with the “taxa zero de antecipação” mechanic when paying participating suppliers.

Settlement Times (What Blu States)

Blu provides explicit settlement timing for some rails:

• Pix: proceeds arrive in seconds in the merchant’s Blu Conta Digital.
• Link de Pagamento: settlement is described as up to 1 business day after the sale.

For card-present and other flows, the company emphasizes receivables management and anticipation features, but you should validate exact settlement timelines for your configuration in the portal and applicable product terms.

Risk, Security, And Compliance Posture

Blu publishes governance and security information that is relevant to merchants assessing operational and compliance alignment.

Security Controls And Standards Referenced

Blu’s public cybersecurity policy references the use of controls aligned to:

• PCI DSS
• ISO 27001
• ISO 27701
• Banco Central resolutions and circulars

Operational Security And Incident Handling

Blu describes security monitoring and incident response practices and provides a security contact channel for reporting potential incidents via email. It also lists governance contacts including customer support, an ombudsman channel, and a data protection contact.

Merchant Support And Service Channels

Blu publishes multiple merchant-facing support channels, including:

• Phone support lines for capitals and other regions
• Customer support email
• WhatsApp as a channel in key user journeys
• Ombudsman (ouvidoria) contact
• Data protection contact email (DPO and LGPD-related contact)

Conclusion

Blu is a payments and receivables platform tailored to Brazilian merchants that want to combine payment acceptance with cash-flow tooling, especially the ability to consolidate receivables and pay participating suppliers through PagBlu using future card sales with zero anticipation fee in that specific flow. Its merchant rails include Pix (instant settlement), payment links (up to 1 business day settlement with a published 1.49% link fee plus MDR), POS via Maquininha Blu, and tap-to-phone via BluTap with Tap to Pay support.