Chalknet

Chalknet Overview: What Merchants Need To Know

Chalknet is a Brazil-based payments and financial management provider that focuses on in-person payments and day-to-day cash-flow tools for merchants.

Key Capabilities At A Glance

• POS acceptance and PDV integration for in-store checkout.

• Digital account to move funds, pay bills, and manage balances.

• Chalknet Card with contactless and virtual card features managed via mobile apps.

• Accounts payable and receivable workflows to organize cash in and cash out.

• Receivables anticipation to bring future card sales forward for cash-flow.

• Correspondent banking services that extend financial operations at the storefront.

• Local presence in Rio de Janeiro with published contact channels and support hours.

How Chalknet Fits Different Merchant Profiles

Chalknet’s public materials speak primarily to brick-and-mortar and hybrid merchants in Brazil. The combination of POS, PDV, and a digital account is practical for:

• Retail and quick-service merchants that want a POS integrated with their checkout.

• Service providers that need to accept cards in person and organize payouts and bills.

• SMBs managing cash-flow volatility that may benefit from receivables anticipation.

• Operators that prefer a single vendor for acceptance, working-capital tools, and day-to-day account operations.

If your primary need is developer-led ecommerce orchestration or multi-acquirer routing, Chalknet’s public site emphasizes physical acceptance and financial management rather than advanced gateway tooling. Merchants with primarily online payment needs should confirm available integrations directly with Chalknet before committing.

In-Person Payments: POS And PDV

POS Terminals

Chalknet offers maquininhas aimed at in-store card acceptance. The positioning emphasizes providing payment solutions rather than just the device itself, which suggests a bundled commercial approach that includes hardware, onboarding, and settlement arrangements.

PDV Integration

A separate PDV page indicates a point of sale system integrated to the POS, intended to streamline front-of-house operations and reduce operating frictions. For merchants, the practical question is whether the PDV supports your inventory, shift, and reporting needs. Request a feature list and confirm compatibility with your sector.

Account, Card, And Day-To-Day Operations

Digital Account

Chalknet’s conta digital is presented as the financial hub: viewing balances, making transfers, paying bills, and topping up mobile phones. For finance teams, this can consolidate operational payments within the same environment that handles acquiring payouts.

Chalknet Card And Mobile Apps

Chalknet offers a branded card supported by Android and iOS apps. Public app store descriptions highlight:

• Contactless usage at merchant locations.

• A virtual card option for online purchases.

• Cash withdrawal via Brazil’s 24-hour ATM network.
  These features allow staff or cardholders to access funds with multiple modalities while the business controls issuance and usage via the app.

Accounts Payable and Receivable

Chalknet provides a contas a pagar e a receber system to keep incoming and outgoing payments organized. Consolidating AP and AR alongside acceptance can simplify reconciliation, especially for small teams that prefer fewer vendors.

Working Capital: Receivables Anticipation

Chalknet lists antecipação de recebíveis, enabling merchants to advance future card sales into the present to cover inventory, payroll, or seasonal peaks. When evaluating anticipation, confirm:

• Eligible transaction types and minimum volumes.

• Discount rates and any fixed fees.

• How repayment is collected from future settlements.

• Whether anticipation can be toggled ad hoc or set automatically.

Correspondent Banking Services

Chalknet references correspondente bancário services that let merchants receive payments and access lending-adjacent services through third-party financial infrastructure. For merchants, this may extend capabilities beyond basic acquiring by enabling additional financial transactions at the storefront. Clarify which services are available in your state and what documentation is required.

Pricing And Commercials

Chalknet’s public pages emphasize solutions and benefits rather than publishing a fee table. For a complete picture, merchants should obtain a proposal that details:

• MDR and any per-transaction or fixed device fees.

• Settlement timing and options for early payout or anticipation.

• Hardware costs, replacement terms, and warranty.

• Chargeback handling fees and operational SLAs.

• Costs associated with the digital account, card issuance, ATM withdrawals, and transfers.

Because costs in Brazil vary by industry, average ticket size, and risk, a tailored quote is typically the most accurate indicator of your all-in rate.

Support, Contact Channels, And Location

Chalknet lists weekday support hours and multiple contact methods, including phone and email, plus a physical address in Barra da Tijuca, Rio de Janeiro. For operational readiness, ask about:

• Response targets for production incidents.

• Weekend or holiday coverage during peak trading.

• Replacement timelines for POS hardware and spare device options.

Publishing clear channels is positive for merchants who value responsiveness and local presence.

Strengths

• Integrated stack for physical merchants: POS, PDV, digital account, and card under one brand reduces vendor complexity.

• Cash-flow levers: Receivables anticipation and correspondent services can help smooth working capital.

• Mobile apps: Virtual card and contactless features support flexible spend and e-commerce purchases.

Conclusion

Chalknet concentrates on the in-store payments stack and everyday financial operations in Brazil. For merchants who want a single provider for POS acceptance, PDV, a digital account, a branded card, receivables anticipation, and correspondent banking services, Chalknet offers an integrated footprint that can simplify vendor management and day-to-day finance.