Europag

Europag Payment Overview For Merchants

Europag is a Brazil based payment solutions provider that equips merchants with point of sale terminals, card acceptance, installments, and receivables management.

Key Takeaways

• POS acquiring focus in Brazil with debit and credit acceptance, including installments up to 12x.

• Device lineup includes Europag Plus, Europag Smart, and Europag Mini with chip and Wi Fi.

• Card brands supported on the site include Visa, Mastercard, Elo, American Express, and Hipercard.

• Public fee simulator shows example MDR rates by brand and installment count for new customers.

• Receivables management offers automatic anticipation via the app and channels listed on the site.

• Contract terms enumerate potential fees beyond MDR, such as connectivity or transaction fees, defined in proposals.

• Scheme listings show Europag Intermediação de Pagamentos Ltda as a subacquirer or payment facilitator in card network documents.

Products And Sales Channels

POS Terminals

Europag highlights three POS models and their core capabilities:

• Europag Plus

  • Chip

  • Wi Fi

  • Printed receipts via paper roll

  • Positioning for higher throughput and continuous use

• Europag Smart

  • Chip

  • Wi Fi

  • Printed receipts via paper roll

  • Described as a complete option focused on speed

• Europag Mini

  • Chip

  • Wi Fi

  • SMS receipts

  • Compact footprint for mobility

The site emphasizes “aluguel zero” for qualifying volumes and allows merchants to choose a device that fits their operating context.

Mobile App And Customer Area

From the site header, Europag links to an exclusive app on the App Store and Google Play. Merchants can also access a customer portal. The FAQ states that anticipation of receivables can be activated via the app or other listed service channels.

Payments Supported

Payment Types

According to Europag’s FAQ:

• Debit

• Credit with installments up to 12x

• Venda digitada and vendas pré aprovadas for specific use cases

Accepted Brands

Europag’s simulator and “Taxas e Bandeiras” section list:

• Visa and Mastercard

• Elo

• American Express

• Hipercard

Merchants should confirm any brand enablement in their contract, since acceptance may depend on profile, underwriting, and configuration.

Europag Pricing And Fees

Public Example Rates

Europag provides a “Simule suas vendas” calculator for new customers that shows example average MDRs. Illustrative outputs visible on the site include:

• Visa and Mastercard

  • Debit: 1.44 percent

  • Credit à vista: 3.75 percent

  • Installments scale upward from 2x through 12x with clearly listed percentages

• Elo

  • Debit: 2.44 percent

  • Credit à vista: 4.65 percent

  • Installments through 12x with listed percentages

• American Express and Hipercard

  • Credit à vista: 3.94 percent

  • Installments through 12x with listed percentages

Notes on the simulator:

• It is presented as a simulation for new customers with average rates.

• The module lets users select brand, installments, and payout timing options.

• Final MDRs and any additional fees are set in the merchant’s proposal and contract.

Device Rental Policy

Europag’s FAQ specifies:

• No rental fee for customers billing above BRL 10,000 per month, with support, device swap, and shipping included.

• For merchants below that level, published monthly rental examples include:

  • Europag Plus: BRL 99.99 per month

  • Europag Mini: BRL 49.99 per month

Anticipation Of Receivables

• Automatic anticipation can be enabled through the app or service channels.

• Anticipation rates are analyzed by Europag and may vary by merchant and product.

• The FAQ notes that sales on weekends or holidays are paid 2 business days after the transaction.

Settlement And Payout Timing

• The simulator exposes options such as receber em 2 dias or receber em 30 dias and a “sem antecipação” choice in the payout selector.

• The FAQ clarifies that weekend and holiday sales are credited in 2 business days.

• Actual schedules for debit and credit depend on the contract, chosen payout options, and whether receivables anticipation is active.

Contracting, Onboarding, And Risk

Scope Of Services

Europag’s contract describes the scope as:

• Capture, routing, transmission, processing, and financial settlement of transactions

• Credenciamento of the merchant to the Sistema Europag for card and other payment acceptance

• Provision or rental/loan of equipment required for electronic capture

• Coordination and maintenance of operational availability

Underwriting And Requirements

• Credenciamento is subject to cadastral and risk analysis of the business and its principals.

• Europag may decline onboarding that does not meet its criteria.

Security And Standards

• The terms reference adherence to industry standards and rules set by card networks and the PCI Council for information security.

• Merchants must not use non authorized or non homologated hardware or software that could create fraud or security risks.

Regulatory Notes

• The FAQ references Resolução 264 of the Banco Central do Brasil regarding blocking of receivables. Europag states that such determinations are automatic and cannot be prevented by the provider. Merchants should factor regulatory holds or liens into cash flow planning.

Role In The Card Ecosystem

Independent card network documents list Europag Intermediação de Pagamentos Ltda as:

• A subcredenciador on Mastercard’s Brazil participant lists

• A facilitador de pagamento on Visa’s Brazil materials

This positioning indicates Europag operates as a payment facilitator or subacquirer, sitting between merchants and principal acquirers within the Brazilian card arrangements. For due diligence, merchants can cross check the most recent network lists and confirm enablement per brand in their proposal.

Merchant Experience And Support

• Human support is emphasized on the site, with the claim that merchants will be served by an analyst rather than a bot.

• Contact options shown include a phone SAC number, email contacts, and an ouvidoria email.

• The footer and site sections display a São Paulo address for correspondence.

Practical Fit And Use Cases

Based on the official site content, Europag can be considered by merchants who:

• Primarily need in person card acceptance in Brazil with debit and credit installments

• Want straightforward POS device choices with the option of SMS or printed receipts

• Require basic receivables anticipation managed in app or through service channels

• Prefer a provider that publishes illustrative MDRs upfront and details contract fee categories in terms

Merchants with more advanced needs such as omnichannel routing, specialized e commerce risk tools, or international settlement should request additional documentation to verify scope, since the public site focuses on POS acquiring and does not detail developer APIs or cross border capabilities.