Kirvano

Kirvano: Payment Platform For Digital Products And Subscriptions

Merchants selling digital products want a simple way to accept payments, manage recurring billing, and withdraw funds with predictable timelines. Kirvano is a Brazil-based platform focused on creators and infoproduct sellers. Kirvano positions itself as a payments and commerce layer for courses, e-books, mentorships, and similar offerings, with hosted checkout, multiple payment methods, and conversion tools like order bumps and upsells.

What Kirvano Is

Kirvano is a platform that enables creators and digital businesses to set up products quickly, accept payments through a hosted checkout, and manage payouts. The site highlights:

• Fast product setup for digital items

• Hosted checkout with personalization options

• Multiple payment methods

• Tools aimed at improving approval and conversion rates

• Dashboards and reports to track sales

• Support for recurring billing and SaaS models

Kirvano’s interface and materials are presented in Portuguese, and pricing is displayed in BRL.

Who Kirvano Is For

Kirvano is designed primarily for:

• Creators selling digital content such as online courses, e-books, and mentorships

• Subscription and SaaS models that require recurring billing

• Sellers prioritizing a quick, hosted checkout rather than a custom gateway build

The site’s FAQs and feature descriptions indicate a focus on digital products rather than physical goods.

Payments Coverage And Checkout Options

Kirvano’s hosted checkout shows common local and wallet methods in Brazil, in addition to cards. Based on Kirvano’s product and help pages, merchants can offer:

• Credit cards, including support for installments at checkout

• Pix

• Boleto (bank slip)

• E-wallets and proximity wallets: Apple Pay, Google Pay, Samsung Pay

• PicPay

The checkout flow is branded on pay.kirvano.com, with a standard data capture step followed by payment method selection. Installment selection appears inline on card payments, and the price is presented in BRL.

Payout Timing And Cash Flow

Kirvano documents payout timing per method. Examples:

• Pix: 90% available at D0, remainder at D30 and D60

• Boleto: 90% at D1, remainder at D30 and D60

• Card and proximity wallets: 80% at D15, remainder at D30 and D60

• PicPay: 80% at D0, remainder at D30 and D60

The help article clarifies that merchants do not need to request availability in advance; funds are released automatically on the stated schedule. Where accelerated settlement is selected, the D-slices change as listed in the fees section.

Conversion And Revenue Tools

Kirvano positions its checkout and operational tooling around boosting approvals and conversion:

• Customizable hosted checkout

• Order bumps and one-click upsells to increase AOV

• Smart retry logic to improve approval rates on declined transactions

• Subscription and recurring billing support for SaaS models

• Reporting dashboards for transaction monitoring and analysis

These features are surfaced on the official site’s product sections and are aimed at reducing drop-offs and payment failures while giving merchants visibility across the funnel.

Supported Payment Methods At A Glance

• Cards with installments

• Pix

• Boleto

• PicPay

• Apple Pay

• Google Pay

• Samsung Pay

The combination is well aligned to Brazilian buyer preferences, with Pix for instant bank transfers, boleto for offline payers, and proximity wallets for compatible devices.

Onboarding, Integrations, And Operations

Kirvano emphasizes quick product creation and a hosted approach rather than deep technical buildout. The site references:

• Product onboarding in minutes for digital items

• Hosted checkout links on Kirvano’s domain for campaigns and product pages

• Integrations with market tools highlighted under an integrations section

• Mobile apps available via the official stores, linked from the site footer, for balance viewing and operations

Because the platform is optimized for creators and infoproducts, sellers that need complex on-site API integrations or point-of-sale flows should validate requirements directly with Kirvano.

Disputes And Risk

Kirvano publishes chargeback handling fees per brand and lists additional administrative fees for regulatory notifications and legal processes. Merchants should:

• Review brand-specific chargeback fees

• Consider the D-based receivables schedule when managing refunds and disputes

• Align cancellations and content delivery policies with Kirvano’s terms

Kirvano’s public materials also reference smart retry and operational clarity on receivables, which are relevant for managing declines and cash conversion cycles.

Best Fit

• Digital goods, courses, and memberships targeting Brazilian buyers

• Teams that prefer hosted checkout with local rails like Pix and boleto

• Creators and SaaS businesses needing subscription billing and quick setup