Vendo

Vendo: An Overview for Merchants

Vendo is a payment services provider focused on global card processing, alternative payment methods, and subscription billing for digital commerce. On its official site, Vendo presents PCI DSS Level 1 certification, hosted and server-to-server integration options, risk controls, and multilingual checkout experiences.

What Vendo Is

Vendo operates a PCI DSS Level 1 certified payment platform with a hosted checkout and an API. Merchants can use Vendo in two main ways:

• Hosted subscription model – Vendo’s checkout manages the initial sale and subsequent subscription lifecycle.

• Server-to-server model – Vendo processes payments while the merchant controls the subscription logic and lifecycle in their own systems.

This distinction matters for data, reporting, and who manages actions such as cancellations or expirations.

Who Uses Vendo

Vendo highlights support for content platforms, fan sites, cam operators, and e-commerce businesses. This positioning signals experience with high-risk and subscription-heavy verticals, where authorization rates, fraud controls, and chargeback handling are central requirements.

Core Payment Capabilities

Supported Payment Methods

Vendo supports a mix of global and local methods. Based on its documentation and product pages, supported methods include:

• Cards – Visa, Mastercard, JCB

• Pay by Bank – direct bank-to-bank payments optimized for Europe, non recurring

• PIX – local account-to-account payments in Brazil

• SEPA – bank transfers in Europe

• OXXO – cash vouchers for Mexico, non recurring

• Crypto – non recurring purchases only

• PayPal

• PayGarden – gift cards

Not every method supports recurring charges. Crypto and several local methods are explicitly non recurring, so recurring offers are automatically converted to one-time equivalents at checkout.

Checkout and User Experience

Vendo’s hosted checkout supports up to 23 languages and local currencies, with branded communications and localized flows. For WooCommerce, Vendo provides a plugin with configurable options such as 3D Secure, manual capture, refunds, and subscriptions. The platform also exposes payment links to launch hosted checkout flows, including options for one-click joins, instant upgrades, and custom offers.

Recurring Billing and Subscription Management

If you use the hosted subscription model, Vendo manages membership creation, recurring rebills, cancellations, and expirations. In the server-to-server model, Vendo processes the payment, while your system manages the subscription lifecycle. Vendo’s documentation clarifies reporting differences between these models and explains transaction types such as sign-ups, rebills, one-time payments, cross sales, and refunds. The platform also supports one-click upsells and upgrade flows.

Risk, Compliance, and Chargeback Handling

PCI DSS and SCA

Vendo states it is PCI DSS Level 1 certified. Technical materials confirm support for 3D Secure v2.x authentication and broader strong customer authentication needs in applicable regions.

Fraud Prevention and Alerts

Vendo provides fraud tools and chargeback management resources. The documentation indicates participation in Ethoca and Verifi alert programs and references network data streams such as Visa TC40 and Mastercard SAFE that can be used to preempt disputes. The platform also refers to Rapid Dispute Resolution as a specific refund type used to avoid chargeback creation.

Monitoring High-Risk Indicators

Guidance in Vendo’s materials covers card scheme monitoring, high-risk registrations, and third-party tools often used by acquirers such as G2 for compliance screening. These items underscore Vendo’s positioning for higher-risk verticals that require careful rule adherence and proactive dispute mitigation.

Reporting and Data Access

Vendo’s Data Tools provide dashboards and downloadable reports:

• KPIs and aggregated performance

• VAT report by currency and site or country

• Simple transaction summaries

• Payout summaries

Data is refreshed daily, with an indicated update time, and merchants can access payout documents and summaries through the back office. Vendo also publishes a glossary defining metrics such as acceptance ratio and chargeback ratio, which helps align internal reporting with platform terminology.

Integrations and Developer Options

eCommerce Plugins

Vendo offers prebuilt integrations for WooCommerce, PrestaShop, and Magento. The WooCommerce plugin supports features including 3D Secure, subscriptions, manual capture, refunds, and configuration for non recurring-only flows when required by a payment method.

APIs and Payment Links

For direct integrations, Vendo provides a server-to-server Gateway API for payments, captures, refunds, subscription changes, and authentication flows. Hosted payment links are available for quick go-live and to orchestrate offers such as standard join, one-click, repurchase, and change offer.

Ecosystem Integrations

For merchants that use NATS, Vendo provides specific guidance and capabilities to sync sites, join options, cross sales, and payment methods such as crypto, PIX, and Pay by Bank.

Settlement, Reserves, and Currencies

Payout Rhythm

Vendo issues Payout Advice Notes weekly on Wednesdays. The note covers gross sales from the Monday to Sunday window of the preceding period. A minimum wire payout threshold applies, and Vendo describes how rolling reserves work and when they are released.

Currencies

Vendo issues payout documents in USD, EUR, and GBP by default. The documentation indicates flexibility to convert payments so that invoices can be received in one of these currencies. Merchants should ensure their bank accounts can accept wires in the expected currencies.

Reserves and Fees

A rolling reserve is withheld and released on a defined schedule. Chargeback fees follow acquirer and scheme rules and are defined in your Vendo contract. Vendo’s materials also reference high-risk registration fees required by schemes for certain MCC categories.

Taxes and Invoicing

Vendo provides a VAT report via Data Tools, but it states that it does not collect and remit VAT on behalf of clients. VAT calculation in the checkout is described as based on the customer’s selected country. Merchants selling to EU consumers remain responsible for VAT collection and remittance.

Support and Operations

Vendo calls out two support tracks:

• Merchant support – technical integration, compliance, fraud and risk management, and payments troubleshooting.

• End-user support – in-house team available by phone, email, and chat, with a stated goal to resolve most payment issues on first contact and to reduce cart abandonment through localized, branded communications.

Strengths

• High-risk and subscription expertise – suited for content platforms and similar verticals that require robust risk controls and recurring billing.

• Broad payment mix – card brands combined with local methods such as PIX, OXXO, and Pay by Bank to improve regional reach.

• Clear non recurring rules for local and crypto methods – automatic conversion of recurring offers to one-time purchases prevents broken renewal flows.

• PCI DSS Level 1 certification and 3DS v2.x – aligns with card security and SCA needs.

• Practical reporting – daily updated dashboards, VAT reports, and payout summaries.

Conclusion

Vendo is a strong match for merchants with subscription-driven digital content or membership businesses, especially those operating across Europe and Latin America that benefit from local methods like PIX and OXXO alongside global cards. The platform’s risk tooling, multilingual checkout, and dispute alert integrations are tailored for merchants that face elevated fraud and chargeback exposure. For general e-commerce on WooCommerce, PrestaShop, or Magento, Vendo’s plugins and hosted links can accelerate deployment while keeping PCI scope contained.