Getnet

Getnet Payment Services Overview for Merchants

Selecting a payments partner impacts your acceptance rates, costs, and compliance workload. Getnet is a payments provider that offers online and in-person acquiring, regional APIs, and operational tooling designed for merchants that sell in multiple countries.

Getnet at a Glance

Getnet is part of PagoNxt and powered by Santander. According to its official site, Getnet reports €222 billion in total processed volume in 2024, 35 countries covered by acquiring license, 1.3 million active merchants, and more than 6,200 payment experts. The company positions its services as multi-channel, multi-country, and multi-currency, with specialist support teams and configurable fraud tools.

What this means for merchants

• A single brand present across online and in-store acceptance

• Regional scale with local acquiring in multiple markets

• Consolidated reporting and risk controls

Where Getnet Operates

Getnet publicly lists an active footprint in Brazil, Mexico, Chile, Argentina, Uruguay, Spain, and Portugal, with local acquiring delivered “by country” in a scalable way. This is relevant for merchants that need domestic routing and local methods in those markets, or that plan phased expansion across Iberia and Latin America.

Consider for

• Businesses headquartered in the listed markets

• International merchants expanding into LATAM and Iberia that prefer a single commercial and technical relationship

Acceptance Methods and Channels

Getnet offers both digital and in-person acceptance:

• Digital payments via Get Checkout and Get Link & Pay

• In-person payments via dedicated terminals and tap-to-pay on Android

• Cards and APMs coverage is emphasized, along with multi-currency support

Getnet highlights recurring payments that can be set up for credit cards, PayPal, and SEPA. For in-person payments, the portfolio includes compact, classic, and smart POS devices and a software-based POS for Android. Across channels, Getnet’s materials emphasize encrypted payments, configurable fraud tools, and multi-currency options.

Online Payments With Get Checkout

Getnet’s checkout comes in three implementation patterns so you can balance speed, control, and PCI scope:

• Get Checkout Hosted – a standalone, hosted payment page with shopper redirection

• Get Checkout Embedded – an iFrame overlay embedded on your checkout page

• Get Checkout API – a direct API that lets you build a custom UI while using Getnet’s services underneath

The provider indicates that sensitive card data is kept on Getnet’s platform to simplify PCI efforts for the Hosted and Embedded options. For sellers without a full ecommerce site, Get Link & Pay provides payment links shareable via WhatsApp, SMS, or other channels, with options to set product details, choose debit or credit, and leverage anti-fraud controls.

Use cases

• Hosted or Embedded for faster launches and reduced PCI scope

• API for businesses that need tailored flows, advanced orchestration, or tight UI control

• Payment links to enable remote or conversational commerce without a cart

In-Person Payments and SoftPOS

Getnet’s in-store lineup includes:

• Get Mini – a mobile card reader paired with a phone or tablet, designed for mobility and 12-hour battery life

• Get Classic – a basic POS that supports chip, magstripe, contactless, and mobile payments and is stated to comply with PCI terminal security standards

• Get Smart – an Android POS with integrated tools for running the shop, supporting debit, credit, vouchers, and app-based payments

• Get Tap – a tap-to-pay solution that turns an NFC-enabled Android device into a POS, without additional hardware

Common features advertised for in-person acceptance include payment encryption, anti-fraud tooling, transaction reporting from the POS, and multi-currency.

Fit considerations

• Mobile vendors, couriers, and on-the-go services for Get Mini or Get Tap

• Fixed locations that want an Android POS and integrated operations for Get Smart

Value Added Services

Getnet groups complementary services under Value Added Solutions. The catalog includes:

• Financing tools – dynamic working capital, sales advances, and an option branded as Buy Now Pay Later for added consumer flexibility

• Operational tools – inventory management, Order & Pay for hospitality, and omnichannel conciliation to view cash flow and unify reconciliation

• Settlement and traveler experience – Dynamic Currency Conversion so international customers can pay in their card currency

• Security and Strong Customer Authentication – 3Ds as an additional layer for online card transactions

These services are designed to address cash-flow gaps, reduce back-office effort, and add controls around authentication and settlement currency.

Developer Options and Integrations

For technical teams, Getnet maintains a developer portal with documentation and references for:

• Regional API (Single Entry Point) – a direct API designed to centralize online payments across several Latin American countries through one integration, covering core operations such as sales, refunds, tokenization, subscriptions, anti-fraud, and error handling

• Web Checkout – the three checkout integration modes described above, plus technical flows, handling and modifying payments

• Plugins – plug-and-play integrations for popular ecommerce platforms including WooCommerce and Magento

• Merchant reporting – standardized reports to simplify financial reconciliation

The Regional API is positioned for merchants that want to operate across multiple markets with one integration path while observing each market’s local rules and methods.

Security and Compliance Features

Security themes recur across Getnet’s pages:

• Encryption and tokenization – digital payments are described as encrypted end-to-end, and the company publishes educational content outlining when tokenization is used in payment data handling

• 3Ds for online payments – offered as a value added service to add an authentication layer

• P2PE for card-present – Getnet publicly documents delivering a certified Point-to-Point Encryption solution in Latin America for a global hotel brand, noting PCI DSS scope reduction and improved security outcomes

Reporting, Risk, and Operations

Getnet’s Portal consolidates transaction visibility across channels. The materials highlight:

• Single-account access to transactions across cards and alternative methods

• Reasons for approval or decline to inform optimization

• Visual dashboards, reconciliation support, and fee insights

• Partner-oriented tooling spanning disputes, chargebacks, manual adjustments, and account maintenance

• Risk and fraud management views to track and review suspicious activity

This operational layer is designed to help finance and support teams close the books and manage exceptions with fewer tools.

Pricing, Contracts, and Support

The public site does not provide fee tables or standardized pricing. Getnet emphasizes modular solutions and invites merchants to engage sales for configuration and coverage by country. When evaluating proposals, merchants should request:

• Interchange and scheme fee handling, markups, and any currency conversion margins

• Channel-specific rates for cards and alternative methods

• Terminal pricing and support SLAs for in-person solutions

• BNPL, DCC, and working capital terms where applicable

• Chargeback management fees and 3Ds authentication strategies by market

Conclusion

Getnet aligns to merchants that need:

• Regional depth in LATAM and Iberia with local acquiring and methods

• Omnichannel coverage for both ecommerce and physical stores

• A single provider to coordinate fraud tools, authentication, and reporting

• Developer flexibility to choose between low-code checkout, plugins, or direct APIs

Merchants solely selling in regions outside Getnet’s published footprint may need to verify coverage or consider a hybrid setup. As with any provider, due diligence on supported methods, currencies, and settlement options per country is essential.