OwemPay

OwemPay Overview

OwemPay is a Brazilian payment technology company that provides tools for businesses to accept and manage digital payments. According to the company’s own materials, OwemPay offers Pix, card payments, payment links, online checkout, and point of sale options that suit both physical and digital commerce. For merchants evaluating PSPs, OwemPay positions itself as an end to end solution with an API for automation and operational features such as split payments and fast settlements.

What OwemPay Does

OwemPay states that it connects businesses to the main payment rails used in Brazil and helps them sell across in person and online channels. Highlights include:

• Pix acceptance and generation of QR codes or Pix instructions for transactions.

• Card payments online through a transparent checkout and via terminals for in person sales.

• Payment links to initiate remote payments without a website.

• POS terminals for face to face selling.

• Dashboard and app to manage charges, withdrawals, and account settings.

The company also shows a focus on software driven integrations for franchises, software houses, and other scalable businesses that want to automate flows and revenue sharing.

Products And Payment Methods

Pix

Pix is Brazil’s 24 by 7 instant payment method and a default part of the payments mix for most merchants in the country. OwemPay’s touchpoints show Pix as a core option for receiving and sending funds. Within the platform, merchants can generate Pix transactions and withdraw balances using Pix to their bank accounts.

Card Payments

OwemPay indicates support for credit and debit cards in online scenarios and at the point of sale. For e commerce, OwemPay provides an online checkout experience that processes card transactions. For in person payments, the company references maquininha devices that accept cards in store.

Payment Links

Payment links allow a merchant to create a charge and share it by message or email for remote collection. OwemPay includes payment links among its standard capabilities for small and midsize businesses that sell without a full online store.

Boleto And Bill Payments

Company materials reference the ability to pay boletos within the platform. That is a back office function for the merchant to settle bills from their OwemPay balance rather than a customer facing boleto collection method. If you need boleto as a customer payment option, confirm this specific flow during onboarding.

Channels And Use Cases

• In store with terminals for card present acceptance.

• Remote via payment links for orders taken by chat, phone, or social media.

• Online through an embedded or hosted checkout to accept cards and Pix.

• Programmatic via API for platforms, SaaS providers, and franchisors that need to orchestrate splits, reconcile at scale, or embed payments.

OwemPay publicly emphasizes automation and split settlement for software houses, franchises, and other scalable businesses, which makes it relevant if you operate multi vendor or multi unit commerce.

Integration And APIs

OwemPay maintains developer documentation that describes an API covering:

• Creating Pix and card transactions

• Managing bank accounts and balances

• Executing withdrawals and payments

• Split payments for marketplaces, platforms, or franchise networks

• Mutual TLS authentication for secure connections

If you plan to embed payments, verify API resources for tokenization, webhooks, idempotency, retries, and error handling. Also confirm whether SDKs exist for your stack and if a sandbox is available without production credentials.

Settlement, Withdrawals, And Reconciliation

Public pages mention receiving your money in up to 2 days after a sale through OwemPay’s checkout. The same pages state that withdrawals are available via Pix and TED. For reconciliation, the app and dashboard are positioned as the main interfaces to view charges, transfers, and settlement events. As with any PSP, always confirm:

• Settlement cycles by payment method and by risk profile

• Cutoff times for D plus 1 or D plus 2 credits

• Weekend and holiday handling

• Minimum withdrawal amounts and any per transfer limits

Pricing And Fees

OwemPay’s public materials do not list a standard price table. Instead, the company publishes a fees calculator where you can input MDR and anticipation assumptions to model costs and compare scenarios across debit, credit at sight, credit in installments, and Pix. Use this during commercial negotiation to test the effective cost under your ticket sizes, parceling profile, and anticipated settlement timing. Ask OwemPay to provide a written merchant agreement that defines:

• MDR by method and by number of installments

• Anticipation rates and whether they are flat or per month

• Chargeback and dispute fees

• Terminal rental or purchase costs

• Settlement and payout fees for Pix and TED

Compliance, Security, And Risk

OwemPay communicates a security first posture on its channels and provides an official whistleblowing and compliance reporting portal. For card transactions, merchants remain responsible for their own PCI DSS obligations and should validate how their integration keeps them in the lowest possible scope. For Pix, ensure you understand the operational rules of the scheme, which include QR code presentation, payer authentication by the bank or wallet, and how refund flows are handled.

Key points to validate during due diligence:

• Whether your chosen checkout model keeps your environment out of card data scope

• Data handling practices for tokens and sensitive information

• Anti fraud controls available for card not present and how risk thresholds are tuned

• Dispute handling timelines for both card chargebacks and Pix contested transfers

• Availability of audit trails, event logs, and webhooks for monitoring

Company Information

OwemPay identifies itself publicly as OwemPay Instituição de Pagamento LTDA with CNPJ 37.839.059/0001 88, headquartered at Avenida Cauaxi 350, salas 1303 1304, Alphaville, Barueri, SP, 06454 020. These details appear on the company’s fees calculator site footer together with links to terms, privacy policy, and prevention policies. If your procurement process requires certificates or proof of registration, request official documents directly from OwemPay as part of onboarding.

Merchant Experience And Support

OwemPay maintains an app and dashboard for day to day operations and provides public contact points through its website and social channels. For governance matters, the Canal de Denúncias is available for reporting irregularities. Before you go live, align on:

• Support channels and SLAs for technical and operational issues

• How refunds, partial refunds, and Pix devolutions are initiated and tracked

• Procedures for compromised terminals or suspected account takeover

• Reporting cadence for settlement statements and tax reporting fields

Pros And Cons For Merchants

Strengths

• Pix and cards in one stack with API access for automation

• Split payments suited for platforms, marketplaces, and franchises

• Fast withdrawal options through Pix and TED and messaging around receiving funds in up to 2 days

• Payment links and POS allow a mix of remote, online, and in person sales

• Compliance channel publicly available for whistleblowing and governance

Considerations

• No public price grid at the time of writing, which means you should model costs with the calculator and negotiate terms

• Documentation access may require credentials for full details, so integration scope should be confirmed during a technical review

• Boleto handling referenced for paying bills from the platform rather than customer facing boleto collection, which might not meet all merchant use cases

Who OwemPay Is Best For

• Platforms and franchises that need split settlements and programmable payouts

• SMEs adopting Pix who also want to accept cards online and in store using a single provider

• Merchants with remote sales that rely on payment links and quick settlement to manage cash flow

If you are a complex retailer or an international brand, validate support for advanced features such as recurring billing on cards and Pix, card updater services, multi acquirer routing, and network tokenization.

Conclusion

OwemPay is a Brazil focused PSP that combines Pix, card acceptance, payment links, terminals, and an API, with an emphasis on automation and split payments for multi entity businesses. Settlement messaging indicates payouts in up to 2 days and withdrawals by Pix or TED. Pricing is not listed publicly, but a calculator is available to model MDR and anticipation assumptions. For merchants that need programmable payments and support for both online and in person channels, OwemPay merits a proof of concept and a detailed commercial review based strictly on your volumes and risk profile.