PayPal Enters Brazil's Acquiring Market, Strengthening Its Global Payments Strategy
Hey Payments Fanatic!
At VTEX Day 2025, held on June 2nd in São Paulo, PayPal announced its entry into Brazil's acquiring market, marking a significant expansion of its global payments strategy. This move follows similar initiatives in Europe, underscoring PayPal's commitment to expanding its presence in Latin America.
By operating as an acquirer, PayPal aims to provide Brazilian merchants with a more integrated payment processing solution, offering benefits such as reduced transaction fees, faster settlements, and improved customer support. This strategic decision aligns with Brazil's rapidly evolving digital economy and the increasing adoption of financial technologies in the region.
“Acquiring is not a future plan, it’s already a reality. We’ve launched, we’re processing payments, and we’re now ramping up,” said Brunno Saura, PayPal’s General Manager in Brazil.
According to a March 2025 survey by Bank of America, PayPal is already the 2nd most widely used neobank in Brazil, trailing only Nubank. This existing user base provides a strong foundation for PayPal's expanded services in the country.
The launch at VTEX Day, a premier digital commerce event, underscores PayPal's commitment to collaborating with key industry players to drive innovation and growth in the Brazilian market.
Read more global payment industry updates below 👇 and I'll be back with more tomorrow!
Cheers,
NEWS
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GOLDEN NUGGET
Visa 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐭 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 — 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐀𝐈-𝐄𝐧𝐚𝐛𝐥𝐞𝐝 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 🤖💳 Created by Arthur Bedel
Visa Intelligent Commerce is a new infrastructure layer that lets AI agents —think ChatGPT, 𝐀𝐥𝐞𝐱𝐚, Perplexity, or Anthropic—initiate and complete payments on your behalf.
These agents securely interact with Visa’s global network to:
► Capture user intent
► Retrieve agent-specific credentials
► Authenticate securely
► Deliver credentials to the merchant
This isn’t just voice shopping — it’s intelligent, autonomous commerce, built into the apps and AI tools people already use.
𝐓𝐡𝐞 𝐀𝐏𝐈 𝐒𝐭𝐚𝐜𝐤 — 𝐈𝐧𝐭𝐞𝐫𝐟𝐚𝐜𝐞𝐬 𝐅𝐨𝐫 𝐀𝐠𝐞𝐧𝐭𝐬
Visa Intelligent Commerce offers a developer-first approach with APIs for:
► 𝐀𝐠𝐞𝐧𝐭 𝐑𝐞𝐠𝐢𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧 & 𝐓𝐨𝐤𝐞𝐧 𝐁𝐢𝐧𝐝𝐢𝐧𝐠
→ Enable secure enrollment of AI agents and tie them to single-use or domain-specific tokens.
► 𝐈𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧 𝐂𝐚𝐩𝐭𝐮𝐫𝐞 𝐀𝐏𝐈
→ Translate human prompts into structured, actionable payment parameters.
► 𝐂𝐫𝐞𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐑𝐞𝐭𝐫𝐢𝐞𝐯𝐚𝐥 & 𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐲 𝐀𝐏𝐈𝐬
→ Retrieve and deliver card or wallet credentials based on agent, device, time, and merchant.
► 𝐀𝐮𝐭𝐡𝐨𝐫𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐑𝐮𝐥𝐞𝐬 𝐀𝐏𝐈
→ Dynamically configure transaction rules: time, frequency, limits, MCC, geography.
𝐀𝐠𝐞𝐧𝐭 𝐄𝐧𝐚𝐛𝐥𝐞𝐦𝐞𝐧𝐭 𝐚𝐜𝐫𝐨𝐬𝐬 𝐭𝐡𝐞 𝐄𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦 🌐
Visa’s ecosystem includes:
► Issuers (Citi, Chase, Santander)
► Acquirers (Getnet, Fiserv)
📲 Pass-Through Wallets (Apple Pay, Google Pay)
📲 Staged Digital Wallets (PayPal, Alipay, M-PESA Africa)
► PSP & Gateways (Stripe, Checkout.com, Worldpay, ACI Worldwide, DEUNA, CellPoint Digital)
🧠 AI Platforms (OpenAI, Anthropic, Mistral AI, Perplexity, Microsoft)
► ISV (Toast, Shopify, Clover)
This allows AI agents to operate seamlessly across consumer, merchant, and platform environments.
𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐞𝐫 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬
1️⃣ 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐀𝐠𝐞𝐧𝐭𝐬 → Users instruct voice/chat bots to book travel, order food, or buy tickets.
2️⃣ 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 → Perplexity or ChatGPT generates links and processes the payment.
3️⃣ 𝐈𝐨𝐓 𝐃𝐞𝐯𝐢𝐜𝐞𝐬 → In-car agents paying for fuel, tolls, or fast food.
4️⃣ 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧 𝐀𝐈 𝐀𝐠𝐞𝐧𝐭𝐬 → Automated recurring payments for task-based or scheduled execution.
𝐓𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐈𝐬 𝐀𝐠𝐞𝐧𝐭-𝐅𝐢𝐫𝐬𝐭
The rise of AI is reshaping user behavior. Visa Intelligent Commerce is laying the groundwork for:
✔ Micro-transactions triggered by autonomous agents
✔ Secure commerce embedded in everyday digital interactions
✔ Tokenized credentials built for machine use
✔ Programmable, rule-based authorization for context-aware payments
Source: Visa
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