Elo
Founded in 2011 by three of the country’s major banks, Elo is now one of Brazil’s biggest
credit cards. It offers a range of different cards for different consumer segments. While some
of these support cross-border payments, many only allow transactions in Brazilian reals. To
offer Elo at checkout, PSPs must work with a specialist Latin-American acquirer.
How it works
Merchant
At online checkout, the consumer chooses credit card as the preferred payment method
Payment method
The consumer enters their card details
Online bank
After confirming the payment, the consumer may be redirected to their issuing bank for 3DS authentication
Merchant
The merchant receives confirmation of payment
Frequently asked questions
Elo is one of Brazil's largest local card schemes, founded in 2011 by three of the country's major banks. It issues a range of credit cards tailored to different consumer segments, from mass-market to premium. Elo operates primarily within Brazil and processes transactions in Brazilian reals (BRL), giving merchants access to a domestic cardholder base that international card networks do not fully reach.
Elo is a Brazilian card scheme and processes payments in Brazilian reals (BRL) for consumers, processing, and settlement. While some Elo card products support cross-border transactions, the majority are restricted to domestic use in BRL. This makes Elo a critical acceptance method for merchants targeting Brazilian shoppers, but it should be paired with other local methods if you also need cross-border coverage in the LATAM region.
To accept Elo at checkout, merchants and PSPs need to work with a specialist Latin American acquirer that supports the scheme, since Elo is not part of the standard international card networks. PPRO enables Elo acceptance through its LATAM platform, providing a single integration that covers Elo alongside other key Brazilian payment methods. Elo supports recurring payments, one-click checkout, full and partial refunds, and 3DS authentication where required by the issuing bank.