Cielo

aid: cielo
url: https://raw.githubusercontent.com/api-evangelist/cielo/refs/heads/main/apis.yml
name: Cielo
tags:
- Payments
- Acquiring
- Fintech
- Brazil
- Point of Sale
- Card Processing
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
created: '2026-05-25'
modified: '2026-05-25'
description: >-
  Cielo is one of the largest Brazilian card acquirers and a publicly traded company (B3:CIEL3), originally formed as a
  joint venture between Banco Bradesco and Banco do Brasil. The company processes credit, debit, Pix, QR Code, and boleto
  transactions for hundreds of thousands of merchants across Brazil, providing both in-person acquiring through its family
  of Cielo Smart (formerly LIO) Android POS terminals and Tap on Phone, and online payment processing through its e-Commerce
  API, Checkout, Payment Links, and Braspag gateway. Cielo exposes a broad developer surface through developercielo.github.io
  and the newer docs.cielo.com.br portal, including APIs for sales, queries, tokenization, 3DS 2.2 authentication, Pix
  with mTLS, chargeback management, refunds, reconciliation (Conciliador), and merchant promotions, along with open-source
  SDKs in Python, PHP, Java, C#, Kotlin, Swift, and Dart published from the DeveloperCielo GitHub organization.
specificationVersion: '0.16'
maintainers:
- FN: API Evangelist
  url: http://apievangelist.com
  email: [email protected]
apis:
- aid: cielo:cielo-ecommerce-api
  name: Cielo E-commerce API
  tags:
  - E-commerce
  - Payments
  - Credit Card
  - Debit Card
  - Tokenization
  - Sales
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api.cieloecommerce.cielo.com.br
  humanURL: https://developercielo.github.io/manual/cielo-ecommerce
  description: >-
    The Cielo E-commerce API (also known as Cielo API 3.0) is the company's flagship online payment processing API. It
    accepts credit cards from Visa, Mastercard, Amex, Elo, Aura, JCB, Diners, Discover, and Hipercard, as well as debit
    cards with 3DS 2.2, Pix, boleto, QR Code, electronic transfer, and carne (installments). Authentication uses MerchantId
    and MerchantKey headers. Endpoints under /1/sales support authorization, capture, void, query, recurrence,
    tokenization, and Zero Auth validation, with separate transactional and query base URLs in sandbox and production.
  properties:
  - url: https://developercielo.github.io/manual/cielo-ecommerce
    type: Documentation
  - url: https://apisandbox.cieloecommerce.cielo.com.br
    type: Sandbox
  - url: https://developercielo.github.io/manual/cielo-ecommerce#autenticação
    type: Authentication
  - url: https://github.com/DeveloperCielo/API-3.0-Python
    type: SDK
    title: Python SDK (API 3.0)
- aid: cielo:cielo-3ds-api
  name: Cielo 3DS 2.2 Authentication API
  tags:
  - 3D Secure
  - Authentication
  - Fraud Prevention
  - Card Not Present
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://mpi.braspag.com.br
  humanURL: https://developercielo.github.io/manual/3ds
  description: >-
    Cielo 3DS 2.2 is an EMVCo-compliant cardholder authentication service exposed via the Braspag MPI endpoint. It
    confirms that the buyer is the legitimate cardholder for card-not-present transactions on Visa, Mastercard, Elo, and
    Amex. Integrators call POST /v2/auth/token for a bearer token, then submit transactions through POST /1/sales using
    the ExternalAuthentication node (Cavv, Xid, ECI, Version, ReferenceID). Successfully authenticated transactions shift
    chargeback liability to the issuer.
  properties:
  - url: https://developercielo.github.io/manual/3ds
    type: Documentation
  - url: https://mpisandbox.braspag.com.br
    type: Sandbox
- aid: cielo:cielo-pix-api
  name: Cielo Pix API
  tags:
  - Pix
  - Instant Payments
  - Real-time Payments
  - mTLS
  - Brazil
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api-mtls.cielo.com.br
  humanURL: https://developercielo.github.io/manual/apipix
  description: >-
    Cielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It implements
    OAuth 2.0 Client Credentials with mutual-TLS, certificate-bound access tokens, and an mTLS-required production host
    at api-mtls.cielo.com.br/cielo-pix/v1. Endpoints cover immediate charges (/cob), recurring charges (/cobr), recurring
    authorizations (/rec), refunds (/pix/{e2eid}/devolucao/{id}), and webhook configuration for receiving status events
    from the BCB Pix infrastructure.
  properties:
  - url: https://developercielo.github.io/manual/apipix
    type: Documentation
  - url: https://api2.cielo.com.br/sandbox/cielo-pix/v1
    type: Sandbox
- aid: cielo:cielo-payment-link-api
  name: Cielo Payment Link API
  tags:
  - Payment Link
  - Checkout
  - OAuth2
  - Social Commerce
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://cieloecommerce.cielo.com.br
  humanURL: https://developercielo.github.io/manual/linkdepagamentos5
  description: >-
    The Cielo Payment Link API lets merchants generate short, shareable payment URLs for sale on social media, WhatsApp,
    SMS, or email without a full storefront. Authentication uses OAuth 2.0 client credentials encoded as Base64. Endpoints
    under /api/public/v1/products/ support creating, querying, updating, and deleting links, with /api/public/v2/orders/
    for transaction queries. Tokens expire after ~20 minutes and responses include a shortUrl plus a unique id and
    checkout order number.
  properties:
  - url: https://developercielo.github.io/manual/linkdepagamentos5
    type: Documentation
  - url: https://github.com/DeveloperCielo/Link-de-Pagamento-Android
    type: SDK
    title: Android SDK
  - url: https://github.com/DeveloperCielo/Link-de-Pagamento-iOS
    type: SDK
    title: iOS SDK
  - url: https://github.com/DeveloperCielo/Link-de-Pagamento-Dart
    type: SDK
    title: Dart/Flutter SDK
- aid: cielo:cielo-checkout-api
  name: Cielo Checkout API
  tags:
  - Checkout
  - Hosted Payment Page
  - E-commerce
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://cieloecommerce.cielo.com.br
  humanURL: https://developercielo.github.io/manual/checkout-cielo
  description: >-
    Cielo Checkout is a hosted payment-page solution that handles credit card, debit, Pix, and boleto flows end-to-end,
    including PCI scope reduction and post-payment notifications. Merchants generate checkout orders via the API and
    redirect shoppers to a Cielo-hosted page; webhooks then deliver status updates back to the merchant system.
  properties:
  - url: https://developercielo.github.io/manual/checkout-cielo
    type: Documentation
  - url: https://github.com/DeveloperCielo/Checkout-Cielo
    type: GitHubRepository
  - url: https://github.com/DeveloperCielo/CheckoutCielo-Library
    type: SDK
    title: PHP Library
- aid: cielo:cielo-refunds-api
  name: Cielo Refunds API
  tags:
  - Refunds
  - Cancellations
  - OAuth2
  - mTLS
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api-internet.cielo.com.br
  humanURL: https://developercielo.github.io/manual/api-refunds
  description: >-
    The Cielo Refunds API processes single and batch refund requests against captured transactions. Authentication is
    OAuth 2.0 Client Credentials issued against a Keycloak realm (MulesoftPRD / MulesoftHML) with 5-minute tokens and
    mandatory mTLS in production. Endpoints under /cielo-refunds-exp-external/refunds/v1 support POST /refunds, query
    by refundID and merchantID, paginated listings, and PDF/ZIP letter generation for documentation.
  properties:
  - url: https://developercielo.github.io/manual/api-refunds
    type: Documentation
  - url: https://apihml-internet.cielo.com.br/refunds-api/v1
    type: Sandbox
- aid: cielo:cielo-chargeback-api
  name: Cielo Chargeback API
  tags:
  - Chargeback
  - Disputes
  - OAuth2
  - mTLS
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api-internet.cielo.com.br
  humanURL: https://developercielo.github.io/manual/api-chargeback-2-0
  description: >-
    The Cielo Chargeback API gives merchants programmatic access to dispute lifecycle management. It uses OAuth 2.0
    Client Credentials plus mTLS against the cielo-chargeback-sys-external service. Endpoints include paginated queries
    for pending and treated disputes, lifecycle searches by case ID, accept and refuse actions, and downloading both
    merchant support documents and issuer-uploaded evidence by establishment number and chargeback ID.
  properties:
  - url: https://developercielo.github.io/manual/api-chargeback-2-0
    type: Documentation
  - url: https://apihml-internet.cielo.com.br/cielo-chargeback-sys-sandbox/chargeback/v1/
    type: Sandbox
- aid: cielo:cielo-conciliador-api
  name: Cielo Conciliador API
  tags:
  - Reconciliation
  - Conciliation
  - Reports
  - Webhooks
  - F360
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://financas.f360.com.br
  humanURL: https://developercielo.github.io/manual/edi-cielo-conciliador
  description: >-
    The Cielo Conciliador API (powered by F360) provides programmatic access to financial reconciliation data including
    card installments, title installments, customer and supplier lists, and bank statements. Authentication issues a
    JWT via /PublicLoginAPI/DoLogin from an initial token surfaced once in the Cielo merchant portal. Long-running
    operations such as report generation support asynchronous webhook callbacks via a URLNotificacao parameter.
  properties:
  - url: https://developercielo.github.io/manual/edi-cielo-conciliador
    type: Documentation
- aid: cielo:cielo-promo-api
  name: Cielo Promo API
  tags:
  - Promotions
  - Discounts
  - Loyalty
  - OAuth2
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api.cielo.com.br
  humanURL: https://developercielo.github.io/manual/promotions
  description: >-
    The Cielo Promo API lets partner platforms surface merchant promotions and discounts to cardholders. It uses an
    OAuth 2.0 authorization-code flow with Client-Id and Bearer access tokens. Endpoints cover listing promotions,
    retrieving promotion detail, querying commercial establishments, and accessing the authenticated cardholder's
    registered cards and transaction history under /me/.
  properties:
  - url: https://developercielo.github.io/manual/promotions
    type: Documentation
  - url: https://api.cielo.com.br/sandbox/promotions/v1
    type: Sandbox
- aid: cielo:cielo-lio-remote-api
  name: Cielo LIO Remote Integration API
  tags:
  - Point of Sale
  - LIO
  - Cielo Smart
  - Remote Integration
  - In-Person Payments
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api.cielo.com.br
  humanURL: https://developercielo.github.io/manual/cielo-lio
  description: >-
    The Cielo LIO (now Cielo Smart) Remote Integration API lets ERP and commercial-automation systems drive payment
    operations on Cielo's Android POS terminals over the cloud. The platform also supports Deep Link integration via
    Android intents (recommended) and private/public app distribution through the Cielo Store Dev Console. Official
    SDKs are published for Java, Android, C#, PHP, and the documented Order Manager service.
  properties:
  - url: https://developercielo.github.io/manual/cielo-lio
    type: Documentation
  - url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-Java
    type: SDK
    title: Java SDK
  - url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-Android
    type: SDK
    title: Android SDK
  - url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-CSHARP
    type: SDK
    title: C# SDK
  - url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-PHP
    type: SDK
    title: PHP SDK
  - url: https://github.com/DeveloperCielo/LIO-SDK-Sample-Integracao-Local
    type: SDK
    title: Local Integration Sample (Kotlin)
  - url: https://github.com/DeveloperCielo/LIO-Hybrid-Integration-Sample-Flutter
    type: SDK
    title: Flutter Hybrid Sample
  - url: https://github.com/DeveloperCielo/order-management
    type: GitHubRepository
- aid: cielo:cielo-bin-query-api
  name: Cielo BIN Query API
  tags:
  - BIN
  - Card Validation
  - Lookup
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://apiquery.cieloecommerce.cielo.com.br
  humanURL: https://developercielo.github.io/manual/cielo-ecommerce
  description: >-
    The Cielo BIN Query service returns metadata for a card BIN (Bank Identification Number) — issuing brand, card type,
    and additional rules — so e-commerce checkouts can validate the data shoppers enter before authorization. It is
    exposed via the Cielo e-Commerce query endpoint GET /1/cardBin/{BIN} and via dedicated mobile SDKs.
  properties:
  - url: https://developercielo.github.io/manual/cielo-ecommerce
    type: Documentation
  - url: https://github.com/DeveloperCielo/cielo-bin-query-android
    type: SDK
    title: Android SDK
  - url: https://github.com/DeveloperCielo/cielo-bin-query-ios
    type: SDK
    title: iOS SDK
  - url: https://github.com/DeveloperCielo/cielo-bin-query-dart
    type: SDK
    title: Dart/Flutter SDK
- aid: cielo:cielo-e-wallets-api
  name: Cielo E-Wallets API
  tags:
  - Wallets
  - Digital Wallets
  - Apple Pay
  - Google Pay
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api.cieloecommerce.cielo.com.br
  humanURL: https://developercielo.github.io/manual/e-wallets-ecommercecielo
  description: >-
    The Cielo E-Wallets API extends the e-Commerce API with support for digital-wallet payment methods, letting merchants
    accept Apple Pay, Google Pay, Samsung Pay, and other regional wallets via the same /1/sales transactional surface.
  properties:
  - url: https://developercielo.github.io/manual/e-wallets-ecommercecielo
    type: Documentation
- aid: cielo:cielo-tap-on-phone
  name: Cielo Tap on Phone
  tags:
  - Tap to Pay
  - SoftPOS
  - Mobile Acceptance
  - Contactless
  image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
  baseURL: https://api.cielo.com.br
  humanURL: https://www.cielo.com.br/maquininha-cartao/cielo-tap
  description: >-
    Cielo Tap on Phone (Cielo Tap) is the company's SoftPOS solution: it turns an NFC-capable smartphone into a card
    acceptance device with no separate hardware. Tap on Phone SDKs are distributed through the DeveloperCielo GitHub
    organization for embedding contactless acceptance into partner apps.
  properties:
  - url: https://www.cielo.com.br/maquininha-cartao/cielo-tap
    type: Documentation
  - url: https://github.com/DeveloperCielo/TapOnPhone
    type: SDK
    title: Tap on Phone SDK
common:
- url: https://www.cielo.com.br/
  type: Portal
- url: https://developercielo.github.io/
  type: DeveloperPortal
- url: https://docs.cielo.com.br/
  type: Documentation
- url: https://minhaconta.cielo.com.br/
  type: Console
- url: https://www.cielo.com.br/credenciamento
  type: SignUp
- url: https://www.cielo.com.br/maquininha-cartao
  type: Pricing
- url: https://developercielo.github.io/tutorial/
  type: GettingStarted
- url: https://developercielo.github.io/manual/cielo-ecommerce
  type: APIReference
- url: https://atendimento.cielo.com.br/
  type: Support
- url: https://atendimento.cielo.com.br/
  type: Contact
- url: https://ri.cielo.com.br/
  type: Hub
  title: Investor Relations
- url: https://www.cielo.com.br/blog/
  type: Blog
- url: https://github.com/DeveloperCielo
  type: GitHubOrganization
- url: https://github.com/DeveloperCielo/developercielo.github.io
  type: GitHubRepository
- url: https://github.com/DeveloperCielo/Tutorial
  type: Tutorials
- url: https://www.linkedin.com/company/cielo
  type: LinkedIn
- url: https://www.youtube.com/user/cielobrasil
  type: YouTube
- url: https://stackoverflow.com/questions/tagged/cielo
  type: StackOverflow
- url: https://www.cielo.com.br/politica-de-privacidade
  type: PrivacyPolicy
- url: https://www.cielo.com.br/termos-de-uso
  type: TermsOfService
- url: https://github.com/DeveloperCielo/API-3.0-Python
  type: SDK
  title: Python SDK (API 3.0)
- url: https://github.com/DeveloperCielo/CheckoutCielo-Library
  type: SDK
  title: PHP Checkout Library
- url: https://github.com/DeveloperCielo/python-cielo-webservice
  type: SDK
  title: Python Webservice 1.5 SDK
- url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-Java
  type: SDK
  title: LIO Remote Java SDK
- url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-Android
  type: SDK
  title: LIO Remote Android SDK
- url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-CSHARP
  type: SDK
  title: LIO Remote C# SDK
- url: https://github.com/DeveloperCielo/LIO-SDK-API-Integracao-Remota-v1-PHP
  type: SDK
  title: LIO Remote PHP SDK
- url: https://github.com/DeveloperCielo/cielo-bin-query-android
  type: SDK
  title: BIN Query Android SDK
- url: https://github.com/DeveloperCielo/cielo-bin-query-ios
  type: SDK
  title: BIN Query iOS SDK
- url: https://github.com/DeveloperCielo/cielo-bin-query-dart
  type: SDK
  title: BIN Query Dart SDK
- url: https://github.com/DeveloperCielo/Link-de-Pagamento-iOS
  type: SDK
  title: Payment Link iOS SDK
- url: https://github.com/DeveloperCielo/Link-de-Pagamento-Android
  type: SDK
  title: Payment Link Android SDK
- url: https://github.com/DeveloperCielo/Link-de-Pagamento-Dart
  type: SDK
  title: Payment Link Dart SDK
- url: https://github.com/DeveloperCielo/TapOnPhone
  type: SDK
  title: Tap on Phone SDK
- url: https://github.com/DeveloperCielo/EDI
  type: GitHubRepository
  title: EDI Integration Manual
- url: https://github.com/DeveloperCielo/Tutorial-Backoffice-3.0
  type: GitHubRepository
  title: Backoffice 3.0 Tutorial
- url: https://github.com/DeveloperCielo/Boas-praticas-de-ecommerce
  type: BestPractices
  title: E-commerce Best Practices (Luhn / BIN)
- url: https://github.com/DeveloperCielo/Habilitacao-meios-de-pagamento
  type: GitHubRepository
  title: Payment Methods Enablement Procedures
- type: Features
  data:
  - One of the largest Brazilian card acquirers, listed on B3 as CIEL3
  - Originally a joint venture of Banco Bradesco and Banco do Brasil
  - Accepts 80+ card brands, Pix, QR Code, NFC, and boleto
  - Family of Cielo Smart (formerly LIO) Android POS terminals (Flash, Smart)
  - SoftPOS via Cielo Tap (Tap on Phone) — no separate hardware
  - Online acquiring via Cielo e-Commerce API (Cielo API 3.0)
  - Hosted Cielo Checkout and Payment Links for low-code acceptance
  - 3DS 2.2 authentication via Braspag MPI with liability shift
  - Tokenization and recurring payments via the e-Commerce API
  - Pix via OAuth 2.0 with certificate-bound tokens and mTLS
  - Programmatic chargeback and refund lifecycle management
  - Financial reconciliation via Cielo Conciliador (F360-powered)
  - Promotion distribution to cardholders via Cielo Promo
  - Braspag-powered Gateway, Payment Split, and Risk Management
  - Pre-built connectors for major Brazilian e-commerce platforms
  - Open-source SDKs across Python, PHP, Java, C#, Kotlin, Swift, Dart
- type: UseCases
  data:
  - name: In-Person Card Acceptance
    description: >-
      Brick-and-mortar merchants accept credit, debit, Pix, and contactless payments through Cielo Smart Android POS
      terminals (formerly LIO) with local, deep-link, or remote integration.
  - name: SoftPOS / Tap on Phone
    description: >-
      Micro-entrepreneurs and field sales reps accept contactless card payments directly on their NFC-capable smartphones
      via Cielo Tap, without renting a dedicated POS device.
  - name: Online Card Acquiring
    description: >-
      E-commerce platforms use the Cielo e-Commerce API (API 3.0) to authorize, capture, void, and tokenize card
      transactions on Visa, Mastercard, Elo, Amex, Hipercard, and more.
  - name: Hosted Checkout and Payment Links
    description: >-
      Merchants with limited engineering capacity use Cielo Checkout or Payment Links to accept payments via shareable
      URLs on WhatsApp, Instagram, and SMS without building a storefront.
  - name: Pix Charges and Refunds
    description: >-
      Platforms generate immediate and recurring Pix charges, receive real-time settlement events via webhooks, and issue
      refunds through the Pix API with mTLS-secured access.
  - name: 3DS 2.2 Authentication
    description: >-
      Online merchants reduce chargeback exposure by routing card-not-present transactions through Cielo's Braspag MPI
      for liability-shifted authentication.
  - name: Dispute and Refund Management
    description: >-
      Operations teams query, accept, refuse, and document chargebacks and process refunds in bulk via dedicated APIs
      with letter-generation and evidence-download endpoints.
  - name: Financial Reconciliation
    description: >-
      Finance teams reconcile sales, fees, and settlement events using the Cielo Conciliador API (F360) to pull card and
      title installments, bank statements, and parameterised reports.
  - name: Recurring Payments and Tokenization
    description: >-
      Subscription businesses save card-on-file via Cielo's tokenization endpoints and bill on a recurring schedule
      with Zero Auth validation between charges.
  - name: Merchant Promotion Distribution
    description: >-
      Partner apps and fintechs surface enrolled merchant discounts to cardholders through the Cielo Promo API,
      retrieving promotion lists, establishment data, and cardholder transaction history.
- type: Integrations
  data:
  - name: Banco Bradesco
    description: Founding shareholder; Bradesco distribution channels onboard Cielo to their merchant base.
  - name: Banco do Brasil
    description: Founding shareholder; co-acquires and refers merchants from the Banco do Brasil network.
  - name: Braspag
    description: Cielo subsidiary providing the Gateway de Pagamento, Payment Split, Risk Management, and 3DS 2.2 MPI used across Cielo's APIs.
  - name: F360
    description: Powers the Cielo Conciliador reconciliation API exposed at financas.f360.com.br.
  - name: Banco Central do Brasil (BCB) Pix
    description: Underlying instant-payments rail that the Cielo Pix API surfaces to merchants and platforms.
  - name: Visa, Mastercard, Elo, Amex, Hipercard
    description: Card schemes accepted across Cielo e-Commerce, Checkout, and POS terminals (80+ brands total).
  - name: Apple Pay, Google Pay, Samsung Pay
    description: Digital wallets supported via the Cielo E-Wallets API and Tap on Phone.
  - name: VTEX, Magento, WooCommerce, Shopify-style platforms
    description: Pre-built e-commerce connectors documented on docs.cielo.com.br for major Brazilian commerce platforms.
- type: Solutions
  data:
  - name: Cielo e-Commerce
    description: API-first online acquiring stack including the e-Commerce API, Checkout, Payment Links, 3DS, BIN Query, and E-Wallets.
  - name: Cielo Smart (LIO)
    description: Android POS hardware and software platform supporting local, deep-link, and remote integration models.
  - name: Cielo Tap
    description: SoftPOS / Tap on Phone solution turning NFC smartphones into card acceptance devices.
  - name: Braspag
    description: Cielo's enterprise gateway brand providing advanced acquiring, payment split, and risk-management services.
  - name: Cielo Promo
    description: Promotion distribution channel exposing merchant discounts to consumer-facing partner apps.
  - name: Cielo Conciliador
    description: Reconciliation and back-office reporting platform powered by F360.