A Brazilian card scheme accepted in 180 countries

Elo is one of the major domestic debit and credit card brands of Brazil. The scheme can support credit and prepaid transactions, has over 80 million issued cards, and is accepted in 185 countries. The scheme is processed and settled by Cielo, and Adyen supports payments through a direct connection (gateway) with the acquirer for faster processing.

Accepting Elo with Adyen includes:

  • Installments
  • Recurring payments
  • Refunds

Support omnichannel shopper journeys

With a single integration with Adyen, you can accept credit cards like Elo online, on mobile and in-store. An example flow is shown below:



Shopper orders item at home from a desktop and chooses to save card details.


Shopper buys additional item via the mobile app and pays with a single click.


Shopper makes a purchase in store with the same credit card.


From the shopper's card the sales associate can view all previous purchases and offer loyalty reward.

Accept Elo with Adyen


Latin America: Brazil

Settlement currency


Channel Ecommerce
Processing currencies BRL
Recurring transactions Yes
Refunds Yes
Multiple partial refunds Yes
Settlement delay 30 days
Chargebacks Yes


We charge:

Adyen processing fee + payment method fee

Commission per transaction, may differ per region.

Different commissions apply depending on the payment method.

Processing fee Payment method fee
$ 0.12 Contract with Payment method

The Adyen platform supports all key payment methods globally.

See the full list

Ready to integrate?

Client Side Encryption

Keep full control over page design and customer data without the burden of PCI compliance with Client Side Encryption, where payment data is encrypted before it passes through your system.

Adyen's API integration

Host your own payment pages and in-app checkout screens with control of transaction management and shopper data. With this integration, data is routed to your own server, so you must be PCI compliant.

Directory Lookup

Dynamically serve a targeted list of relevant payment methods based on your shoppers’ location, basket value or currency.