Cartpanda

Cartpanda Payment Processing For Merchants

Cartpanda is an ecommerce platform that includes a built-in payment gateway called Cartpanda Pay. It is designed for online merchants selling digital or physical products, with an emphasis on checkout performance, payment acceptance, and a back office that tracks orders, payments, and analytics. Cartpanda positions its payments stack for cross-border selling, multi-currency checkout, and fraud controls that aim to preserve approval rates without compromising transaction security.

Cartpanda Payments Overview

Cartpanda Pay is the integrated payment gateway that lets merchants accept and receive payments for transactions completed in an online store checkout. The payments layer is paired with a configurable checkout experience, including one-page and multi-step checkout models, plus conversion tooling such as order bumps and one-click upsells.

Key elements include:

• A built-in gateway option (Cartpanda Pay) for payment acceptance
• Support for selling in 150+ countries and in over 135 currencies, with funds received in the merchant’s local currency
• Fraud and risk features, including anti-fraud controls and a reserved balance mechanism tied to chargeback exposure

Payment Methods And Card Schemes

Cartpanda Pay supports credit card processing and local payment methods that are commonly used in Brazil:

• Credit cards
• PIX
• Boleto

For card scheme coverage, Cartpanda Pay lists the following brands:

• Visa
• Mastercard
• American Express (AMEX)
• Elo
• Diners
• JCB

If your business depends on additional local methods, Cartpanda also supports integrations with multiple third-party payment gateways, allowing merchants to select an alternative provider while still using Cartpanda’s checkout stack.

Checkout And Billing Flows

Cartpanda’s payments capability sits inside checkout and billing flows that can be configured to match how you sell:

• Checkout models: One-page checkout and a three-step model
• Upsell tooling: One-click upsell and order bump
• Subscriptions: Recurring subscription payments are supported, including a flow where subscriptions can be sold via direct purchase links when using Cartpanda Checkout integrated with other platforms
• Direct purchase links: Cartpanda supports direct purchase links that can be used on landing pages or shared directly with customers

Multi-Currency And International Selling

Cartpanda positions international selling as a core use case. The platform highlights:

• Selling in 150+ countries
• Selling in over 135 currencies
• Receiving funds in the merchant’s local currency
• Localization support for running international operations from a single account

For merchants selling cross-border, these capabilities matter most when they reduce friction across checkout currency display, conversions, and settlement into the merchant’s preferred currency.

Pricing And Fees

Cartpanda publishes plan-based pricing that combines a monthly platform fee with a per-sale processing fee and a fixed fee component.

Monthly plan pricing:

• Light: $0.99 per month
• Starter: $29 per month
• Premium: $99 per month
• Advanced: $299 per month

Per-sale processing fees (plan-based), plus fixed fee:

• Light: 9.9% per sale + $1 fixed
• Starter: 9.5% per sale + $1 fixed
• Premium: 9% per sale + $1 fixed
• Advanced: 8.5% per sale + $1 fixed

Cartpanda also promotes checkout migration support in higher tiers, plus support enhancements such as priority support and one-on-one support in the Advanced plan.

Payout Timing And Settlement

Cartpanda describes payout release time as contract-based rather than a single universal SLA. Payout release time for orders can range from 2 to 14 calendar days, measured from payment confirmation until the balance becomes available for withdrawal.

In addition to payout release timing, Cartpanda Pay uses a reserved balance mechanism:

• A percentage of processed orders is placed into a reserve intended to cover potential future chargebacks.
• The reserve is held for 90 days after being added, then transferred to the available balance for withdrawal.
• Each order has its own release date for the reserve retention period.

This structure can affect working capital planning, especially for higher-refund or higher-dispute categories.

Fraud Controls, Disputes, And Risk Policies

Cartpanda highlights multiple components intended to manage fraud and chargeback risk:

• Anti-fraud controls are positioned as a built-in capability, with emphasis on preserving approval rates while maintaining transaction security.
• Reserved balance is used as a backstop for chargebacks and negative balances.
• A prohibited products and activities policy applies to Cartpanda Pay, including restrictions tied to high-risk jurisdictions and related limitations.

For payment authentication and misuse prevention, Cartpanda’s terms state that additional verification can be required for card payments, including 3-D Secure, and that identity verification may be required for digital content in order to prevent abuse.

Compliance And Security Posture

Cartpanda states it processes payments in compliance with PCI DSS and indicates that it does not store credit card details on its servers.

Practical takeaways for merchants:

• Card data handling is positioned to reduce merchant exposure to raw card data storage.
• Checkout authentication and verification controls may apply depending on transaction context.

Developer Options And Integrations

Cartpanda provides a publicly accessible API documentation portal (CartX API), using bearer token authentication per store. The API surface includes resources commonly needed for integrations, such as carts, orders, products, and fulfillment.

Integration options span:

• Cartpanda Checkout integration with platforms such as Shopify and WooCommerce
• Third-party payment gateway integrations, including Mercado Pago, AppMax, PagSeguro, PagarMe, Ebanx, Cielo, PagBrasil, Rede, Wirecard, Pagaleve, PayPal, Vindi, and Adyen
• Additional third-party app integrations documented in the help center, including operational integrations used in certain markets

Reporting And Merchant Operations

Cartpanda describes a back office experience designed to manage:

• Orders
• Payments
• Analytics and performance metrics

For Cartpanda Pay specifically, the dashboard context includes visibility into approval rates and finance metrics such as net value, number of sales, chargebacks, and refunds.

Support And Merchant Assistance

Cartpanda publishes multiple support channels:

• Email support addresses for customer support and sellers
• Live chat and email support referenced in the affiliate program context
• A help center with categorized documentation across payments, integrations, and operational topics

Merchants should align these support pathways with their operational needs, especially if they run high-volume campaigns, subscription billing, or cross-border sales where payout timing and dispute handling become critical.

Who Cartpanda Fits Best

Cartpanda is primarily aligned with merchants who:

• Sell online through a checkout-focused funnel
• Need built-in payment processing with card plus local-method support (such as PIX and boleto) and the option to connect third-party gateways
• Want multi-currency selling and a global selling posture
• Benefit from conversion tooling like order bumps, upsells, and subscription billing

Conclusion

Cartpanda combines checkout, ecommerce operations, and an integrated payment gateway in a single platform, with Cartpanda Pay positioned for online payment acceptance, fraud controls, and cross-border selling.