PagBank Fee Calculator & Reverse Invoice Mode (Brazil)
Calculate exact PagBank Brazil merchant fees, processor losses, and net payouts in BRL, or use Reverse Mode to bill clients accurately.
Embed Calculator Widget
Free, zero-latency payment fee widget for your blog, agency portal, or website.
✓ 100% Free & Open Access
No API key or user tracking required. Automatically updates for latest 2026 fee schedules.
💵 PagBank Payout Benchmarks (How much does PagBank take?)
2026 Rate CardQuick reference for how much PagBank deducts in fees from standard sales amounts in BRL:
| Gross Sale Amount | PagBank Fee | Net Take-Home Payout | Effective Fee % |
|---|---|---|---|
| R$10 | -R$0.50 | R$9.50 | 4.99% |
| R$50 | -R$2.50 | R$47.51 | 4.99% |
| R$100 | -R$4.99 | R$95.01 | 4.99% |
| R$500 | -R$24.95 | R$475.05 | 4.99% |
| R$1,000 Most Searched | -R$49.90 | R$950.10 | 4.99% |
| R$2,500 | -R$124.75 | R$2375.25 | 4.99% |
| R$5,000 | -R$249.50 | R$4750.50 | 4.99% |
Monthly Volume Breakdown
Estimated cumulative fee losses on PagBank across monthly sales tiers in BRL.
| Volume Tier | Monthly Sales | PagBank Fees | Net Take-Home Payout | Effective Cost % |
|---|---|---|---|---|
| Starter | $500.00 | -$24.95 | $475.05 | 4.99% |
| SMB Merchant | $2,500.00 | -$123.50 | $2,351.50 | 4.99% |
| Mid-Market Store | $10,000.00 | -$497.00 | $9,463.00 | 4.99% |
| High-Volume Enterprise | $50,000.00 | -$2,495.00 | $47,505.00 | 4.99% |
⚠️ Does PagBank Refund Processing Fees on Customer Returns?
Non-Refundable PolicyNo, PagBank does NOT refund payment processing fees when a merchant issues a customer refund. When a order is canceled or returned, the original processing fee is permanently retained by PagBank.
-R$4.99 Lost
You must refund R$100 to the buyer out of pocket, losing R$4.99.
-R$49.90 Lost
You must refund R$1,000 to the buyer out of pocket, losing R$49.90.
Example Transaction Scenarios
Real-world math illustrating how PagBank fees perform under different order sizes.
Café ou Almoço no Débito (R$ 35,00)
Taxa de débito competitiva Moderninha com crédito na hora na conta digital.
Produto E-commerce Crédito 1x (R$ 180,00)
Plano de recebimento na hora. Para receber em 30 dias a taxa reduz para 3,19% (R$ 5,74).
Venda de Alto Ticket Parcelada em 6x (R$ 900,00)
Taxa combinada de recebimento na hora com 6 parcelas. Repassar a taxa ao comprador preserva os R$ 900 de margem.
🔄 How to Reverse Calculate PagBank Brazil Fees ("Ask Customer / Invoice Mode")
Freelancers, agencies, and e-commerce merchants frequently ask: "If I want to receive exactly R$100.00 net, how much must I charge my client on PagBank?"
Reverse Calculation Mathematical Formula
Toggle the interactive calculator above to Reverse Mode to automatically calculate invoice billing amounts for any custom payout target in BRL.
💳 What is the PagBank Charge Descriptor on Credit Card Statements?
Cardholders searching "what is pagbank charge on my bank statement?" see distinct descriptors depending on how the merchant configured their checkout:
PAGBANK * [MERCHANT STORE NAME]
PAGBANK PAYMENTS LLC / INC
Important PagBank Rate Terms & Fine Print
- • Fim do período promocional: As taxas especiais de 0% ou 1% para novos clientes expiram após 30 dias ou atingir R$ 1.500,00 em vendas.
- • Acréscimo de parcelamento: Vender parcelado sem repassar a taxa ao cliente reduz a margem em mais de 1,41% ao mês por parcela.
- • Tarifa de inatividade da conta: Aplicável somente após 1 ano sem movimentações se houver saldo positivo residual.
🔄 How to Calculate What to Charge to Receive an Exact Net Amount (PagBank Reverse Formula)
Target Payout Engineering & Customer Invoice Pass-Through
If you want to receive an exact net amount (e.g. R$1,000 net) after PagBank deducts its 4.99% + R$0 processing fee, you cannot simply add 4.99% to your price. Because the processor percentage is deducted from the higher invoice total, adding a simple markup leaves you short. You must use the official Reverse Fee Formula:
Regulatory Context & Calculation Methodology
Localized Regulatory Context (Brazil)
O PagBank (PagSeguro UOL) disponibiliza taxas para as maquininhas Moderninha e Minizinha. O recebimento na hora é o plano padrão para pessoa física e jurídica. Além das transações de cartão, a conta rende automaticamente 100% a 130% do CDI sobre o saldo.
How the PagBank Brazil Calculation Works
When processing a transaction on PagBank in Brazil, the total fee is computed using a combination of a fixed transaction charge (R$0) and a percentage fee (4.99%).
Frequently Asked Questions
Common merchant processing questions and rate card rules.
Qual a taxa da Moderninha e Minizinha do PagSeguro?
Como repassar a taxa de parcelamento PagSeguro para o comprador?
O dinheiro das vendas rende no PagBank?
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