DNA Pagamentos

DNA Pagamentos: Merchant Overview

DNA Pagamentos is a Brazilian payment service provider focused on helping merchants accept card payments in person and online, with an emphasis on installment transactions. The offering centers on a POS terminal (“maquininha”), an online PDV environment for managing transactions, and payment links for remote checkout. DNA Pagamentos also highlights same-day payout (merchant receives upfront) while allowing customers to split payments into installments of up to 21x.

DNA Pagamentos Overview

For merchants evaluating DNA Pagamentos, the publicly described proposition includes:

• In-person and online payment acceptance
• Installment payments up to 21x on credit cards
• Same-day merchant payout and payout throughout the day
• A POS terminal with no rental fee
• An online PDV environment and payment links
• Operational tools such as real-time control of operations
• Value-added features tied to vehicle-related debt consultation and an online simulator

Core Products For Merchants

POS Terminal (Maquininha)

DNA Pagamentos promotes a POS terminal for card-present payments. The commercial positioning includes:

• Zero-cost machine offering
• No rental fee for the machine
• Deposits to the merchant’s preferred bank

From a merchant operations perspective, these statements indicate that ongoing terminal rental cost is not part of the standard commercial framing. Specific hardware models, supported connectivity types, and supported card brands are not publicly listed.

Online Payments And Remote Checkout

DNA Pagamentos also positions itself for remote and online collection, including:

• Payment links (a “link de pagamento” flow)
• An online PDV environment that supports login-based access
• A mobile app positioned for managing POS and online transactions in one place, with payment links and a virtual terminal capability for MOTO acceptance

If your use case includes taking payments outside the physical point of sale (for example, collecting payment after a service is delivered, or sending a payment request to a customer), payment links are the most explicitly described remote collection method.

Payment Acceptance Channels And Transaction Types

Channels Supported

The payment acceptance footprint includes:

• POS terminal for in-person card acceptance
• Online (web) through payment links and a hosted checkout experience

Payment Types Supported

DNA Pagamentos explicitly references credit card payments and installment capability. Other payment types (bank transfer, real-time payments, digital wallets, vouchers, cash, BNPL, cryptocurrency) are not explicitly listed in the public materials used for this overview.

Checkout And Billing Flows

Payment Links

Payment links are the clearest described remote checkout approach. A typical payment link flow is useful for:

• Remote sales where the customer is not present
• Collecting payments for services, fees, or invoices
• Reducing reliance on manual card entry in front of staff

Recurring Billing, Saved Cards, And Marketplace Splits

Recurring billing, subscription management, saved cards, and marketplace split payments are not described in the publicly available product descriptions used here. Merchants requiring these capabilities would need to confirm availability directly.

Settlement And Payout Timing

DNA Pagamentos highlights fast access to funds:

• Same-day payout for the merchant (receive upfront)
• Payout occurring throughout the day
• Settlement to the merchant’s bank of choice

Typical settlement details that are not publicly specified include cut-off times, weekends and holidays behavior, and whether same-day settlement depends on merchant profile or transaction type.

Pricing And Commercial Terms

DNA Pagamentos positions pricing at a high level but does not publish a detailed fee schedule.

What is explicitly stated:

• No rental fee for the POS terminal
• “Special rates” are offered, without specific percentages disclosed

Merchant Operations, Reporting, And Controls

DNA Pagamentos emphasizes operational visibility and control:

• Real-time control of operations
• An online PDV portal environment accessed via login
• A mobile app positioned to manage POS and online activity, including payment links and a virtual terminal

Target Merchant Profile And Industry Fit

DNA Pagamentos references a partner base and know-how that includes:

• Despachantes (professional services)
• Autoescolas (education)
• Vehicle resale and retail

It also highlights value-added “information” features such as vehicle-debt consultation and an online simulator. These signals point to practical fit in sectors where customers commonly need installment options and where merchants benefit from workflows connected to vehicle-related checks and payment collection.

Conclusion

DNA Pagamentos is positioned as a Brazil-based PSP for merchants that need card acceptance across in-person and online channels, with strong emphasis on installment payments and fast merchant payouts. The offering combines a POS terminal, payment links, a login-based PDV environment, and app-based operational management.