In the competitive world of enterprise retail, success comes down to the details—and none more critical than the checkout experience.
Delivering excellence at the payment stage means providing stability, speed, and security for your customers, while also offering the flexibility your team needs to implement and adapt a checkout solution at scale.
Whether your e-commerce runs on a proprietary system or is built on platforms like Shopify, you need technology that elevates your checkout—strengthening your market leadership and boosting sales conversion.
This article explores the key attributes of a high-performance checkout and shows how partnering with a local expert like PagBrasil can help you overcome the limits of native tools or basic solutions that aren’t built for large, complex operations like yours.
The Pitfall of Standardized Solutions: When Tools Limit Your Growth
As your business expands into the Brazilian market and attracts increasing volumes of customers and revenue, the limitations of standard or native payment tools often become apparent.
For instance, you might experience lost sales due to payment platforms that can’t handle traffic surges, customer dissatisfaction due to limited or unfamiliar payment options, or a spike in fraud-related chargebacks as your growing presence makes you a target for scammers.
These challenges can hinder your growth and scalability, highlighting the need for a robust checkout solution that meets the demands of your expanding operation.
What Is a High-Performance Checkout? The Essential Pillars for an Enterprise-Grade Checkout
A high-performance e-commerce checkout is one supported by a payment market expert, providing customers with a fast, secure experience and a wide variety of payment methods. For the online store, this means a payment solution that helps optimize conversions, offers protection against fraudulent purchases, and delivers flexibility in implementation.
Below, we explain each of these points and how PagBrasil fits as the ideal partner to help you achieve a high-performance checkout for your e-commerce.
Flexible Integration
Brazil’s e-commerce ecosystem isn’t built around a single platform. Especially in the enterprise segment, many businesses rely on custom-built environments or proprietary systems rather than off-the-shelf platforms.
In this context, choosing the right payment partner to power a high-performance checkout depends on their ability to adapt to your tech stack. PagBrasil understands this complexity and offers flexible integration options designed to fit your architecture.
- API Integration: For full control and customization, PagBrasil offers robust APIs that enable a seamless, scalable integration into your existing backend systems. This is ideal for businesses looking to tailor the checkout flow to their specific operational needs.
- PagBrasil.JS: Our lightweight JavaScript integration allows you to securely collect and tokenize sensitive payment data directly in your frontend—without compromising on performance or PCI compliance. It’s a perfect option for teams looking to streamline development while maintaining control over the checkout UI.
- PagBrasil Checkout: For a faster go-to-market or complementary use case, our exclusive payment link solution allows you to generate branded, secure checkout pages that can be shared across any channel—ideal for direct sales, customer support, or campaigns, no coding required.
With PagBrasil, you can choose the level of customization that best suits your business while ensuring the flexibility and performance your operation demands.
Full-Service Payment Processing with Local Expertise
For international businesses expanding into Brazil, managing the complexities of local payment infrastructure can be a major challenge. PagBrasil simplifies this process with a full payment intermediation model—handling both the technical and commercial aspects of payment processing on your behalf.
With PagBrasil as your intermediary, there’s no need to establish direct relationships with local banks or acquirers. We take care of everything: from processing transactions and collecting funds to settlement, reconciliation, and compliance with Brazilian financial regulations.
By acting as the intermediary, we help you:
- Accept local credit cards, including installment payments—critical for Brazilian consumer behavior
- Offer a complete range of local payment methods without having to manage multiple providers
- Streamline onboarding without the need for direct contracts with acquirers
- Reduce operational overhead with consolidated reporting and settlement
- Ensure compliance with local regulations and tax requirements
With PagBrasil, you gain a reliable, localized infrastructure for accepting and managing payments in Brazil—without the operational burden.
Anti-Fraud Technology to Minimize Chargebacks
Brazil is a country where financial fraud is unfortunately common, with credit card cloning being the most common type, according to a survey conducted by Radar Febraban. The financial impact is significant: A report by Mapa da Fraude found that BRL 3.5 billion were lost to card-related fraud between 2022 and 2023 alone.
So, what does this have to do with online stores? Leading e-commerce operations don’t just handle a high volume of legitimate purchases—they’re also prime targets for fraudulent transactions.
Fraudsters often use stolen or cloned cards to test their validity through online stores, leading to unauthorized charges on the cardholder’s statement. When the cardholder disputes the charge, the bank investigates and, if the claim is accepted, reverses the transaction. The cost is passed down the chain—from the card network to the acquirer, then to the payment provider, and finally to your business.
This results in chargebacks—and when they occur in high volumes, they can lead to financial losses, reputational damage, and even fines from card networks. (We recommend reading our article on chargebacks to better understand the different types, as not all are fraud related.)
For businesses aiming to run a high-performance checkout, it’s crucial to have strong fraud prevention in place. That’s where PagBrasil comes in.
Our PagShield® solution is a powerful anti-fraud technology available for any type of system. It combines machine learning with localized market intelligence, using behavior-based modeling tailored to Brazilian consumer patterns. PagShield® analyzes each transaction in real time, evaluating over 4,000 variables to detect and block fraudulent activity—without mistakenly rejecting legitimate purchases, a common flaw in many generic fraud tools.
For even greater precision, PagShield® Premium includes manual review by our in-house specialists. They assess flagged transactions that may appear suspicious but are actually valid, ensuring that your conversion rates aren’t harmed by false positives.
Various Payment Options for Your Customers
If you run an e-commerce store with products that are also sold by competitors, the absence of a payment method could cause you to lose a potential buyer. Even if your online store sells only your own products, having limited payment options is still a significant reason for cart abandonment, according to the E-Commerce Brasil portal.
With PagBrasil, your checkout can offer:
- Pix in the form of a QR Code or Copy & Paste; 1-Click Pix—exclusive to PagBrasil—which can redirect the buyer to their banking app (soon, payments will be possible without redirection); and Automatic Pix for recurring sales
- Digital wallets like Google Pay and Apple Pay, preferred for being secure and easy to use
- Local credit cards, with the option to offer installments up to 12 times and the ability to pay with two credit cards
- Boleto Flash®, the only boleto bancário (Brazilian payment slip) on the market that guarantees payment confirmation within minutes
Technologies Dedicated to Maximizing Your Conversion
PagBrasil offers a range of features designed to boost conversion rates in your e-commerce. As a leader in Pix solutions, we provide merchants with the most intuitive and conversion-friendly payment methods (1-Click Pix) as well as tools for customer retention through recurring payments (Automatic Pix).
In addition, we provide multi-acquirer retry functionality for credit card purchases. If a payment fails due to technical issues with the chosen acquirer, PagBrasil automatically and instantly routes the transaction to another acquirer for a retry. This seamless process is invisible to the customer and ensures that potential sales aren’t lost due to factors beyond your control.
Invest in a High-Performance Checkout and Lead Your Market Segment
Market leaders rely on comprehensive payment intermediation solutions. Partnering with a company like PagBrasil means investing in optimizing your e-commerce and attracting even more customers.
With an ecosystem of services that combines exclusive local payment methods and advanced anti-fraud technologies, you’ll not only see increased conversion rates but also added value to your brand.
Speak with one of our specialists to discover how PagBrasil can elevate your checkout performance.
