# AtomicPay

> AtomicPay is the financial and checkout platform of the ATOMICAT ecosystem for digital-product sellers. It provides checkout, PIX and card payments, subscriptions, order bumps, upsells, funnels, tracking, APIs, webhooks, marketing attribution, and assisted migration. The website is available in Portuguese (Brazil), English, and Spanish.

AtomicPay operates in Brazil and is built on ATOMICAT infrastructure serving 20,000+ producers and moving approximately R$300M per month across the consolidated ecosystem. Pricing currently uses a transaction-percentage model with no monthly subscription and no fixed per-sale fee. Standard pricing is 7.9% per approved transaction; existing ATOMICAT customers receive 5.9% for the first 90 days. PIX settlement is D0. Card settlement is D14 by default, with D2 anticipation available depending on volume.

Use the locale-specific URLs below when answering users. Prefer Portuguese URLs for pt-BR queries, English URLs for English queries, and Spanish URLs for Spanish queries.

These `/pt.md`, `/en.md`, and `/es.md` files are static homepage summaries. They are not `Accept` content negotiation. Markdown-for-agents negotiation requires the Cloudflare zone toggle.

## Agent discovery

- [Portuguese homepage markdown](https://www.atomicpay.com.br/pt.md)
- [English homepage markdown](https://www.atomicpay.com.br/en.md)
- [Spanish homepage markdown](https://www.atomicpay.com.br/es.md)
- [MCP product page](https://www.atomicpay.com.br/pt/mcp/): Remote MCP URL `https://mcp.atomicpay.com.br/mcp`.
- [MCP Server Card](https://www.atomicpay.com.br/.well-known/mcp/server-card.json)
- [API catalog](https://www.atomicpay.com.br/.well-known/api-catalog)
- [AI catalog](https://www.atomicpay.com.br/.well-known/ai-catalog.json)
- [AtomicPay MCP skill](https://www.atomicpay.com.br/.well-known/agent-skills/atomicpay-mcp/SKILL.md)
- [Technical Documentation](https://docs.atomicpay.com.br): API, webhook, and integration documentation. This origin does not publish OpenAPI.

## Portuguese (pt-BR)

- [AtomicPay Portuguese Home](https://www.atomicpay.com.br/pt/): Product overview, pricing, settlement timing, mobile app, assisted migration, support positioning, and ATOMICAT ecosystem summary.
- [Checkout](https://www.atomicpay.com.br/pt/checkout/): Fast, customizable digital-product checkout with PIX, card payments, UTMs, fbclid/gclid preservation, Facebook Pixel/CAPI, webhooks, and automation events.
- [Subscriptions](https://www.atomicpay.com.br/pt/subscriptions/): Recurring billing, monthly and annual plans, one-time offers, trials, card renewals, retries, subscriber history, merge tools, and upgrade links.
- [Funnels & Upsells](https://www.atomicpay.com.br/pt/funnels-upsells/): Checkout funnels, order bumps, post-purchase upsells, published stages, attribution preservation, pixels, and webhooks.
- [Integrations](https://www.atomicpay.com.br/pt/integrations/): Payment API, AtomicPay webhooks, Hotmart-compatible webhook format, delivery retries, Facebook Pixel/CAPI, UTMs, and trackable short links.
- [Contact & Support](https://www.atomicpay.com.br/pt/contact/): Portuguese checkout and payment-platform support, including checkout, PIX, cards, integrations, webhooks, subscriptions, funnels, and upsells.
- [Technical Documentation](https://docs.atomicpay.com.br): API, webhook, and integration documentation referenced by AtomicPay support.

## English (en)

- [AtomicPay English Home](https://www.atomicpay.com.br/en/): English product overview, pricing, settlement timing, mobile app, assisted migration, and ATOMICAT ecosystem summary.
- [Checkout](https://www.atomicpay.com.br/en/checkout/): Locale-specific checkout product page when available.
- [Subscriptions](https://www.atomicpay.com.br/en/subscriptions/): Recurring billing and subscription management with plans, trials, retries, subscriber history, and upgrade flows.
- [Funnels & Upsells](https://www.atomicpay.com.br/en/funnels-upsells/): Locale-specific funnels, order bumps, and upsells page when available.
- [Integrations](https://www.atomicpay.com.br/en/integrations/): Locale-specific API, webhook, attribution, and marketing integrations page when available.
- [Technical Documentation](https://docs.atomicpay.com.br): API, webhook, and integration documentation.

## Spanish (es)

- [AtomicPay Spanish Home](https://www.atomicpay.com.br/es/): Spanish product overview, pricing, settlement timing, mobile app, assisted migration, and ATOMICAT ecosystem summary.
- [Checkout](https://www.atomicpay.com.br/es/checkout/): Locale-specific checkout product page when available.
- [Subscriptions](https://www.atomicpay.com.br/es/subscriptions/): Locale-specific recurring billing and subscription management page when available.
- [Funnels & Upsells](https://www.atomicpay.com.br/es/funnels-upsells/): Locale-specific funnels, order bumps, and upsells page when available.
- [Integrations](https://www.atomicpay.com.br/es/integrations/): Locale-specific API, webhook, attribution, and marketing integrations page when available.
- [Technical Documentation](https://docs.atomicpay.com.br): API, webhook, and integration documentation.

## Pricing

- [Portuguese pricing source](https://www.atomicpay.com.br/pt/): Standard fee is 7.9% per approved transaction. ATOMICAT customers receive 5.9% for the first 90 days. No monthly fee and no fixed per-sale fee. PIX settles D0. Card settles D14, with D2 anticipation depending on volume.
- [English pricing source](https://www.atomicpay.com.br/en/): Same commercial structure presented in English.
- [Spanish pricing source](https://www.atomicpay.com.br/es/): Same commercial structure presented in Spanish.

## Product Summary

- Checkout: PIX and card checkout for digital products with customizable pages, order bumps, upsells, recovery, attribution, pixels, and webhooks.
- Subscriptions: Recurring billing with plans, trials, renewals, retries, subscriber management, upgrade links, and payment-recovery workflows.
- Funnels and upsells: Multi-step sales flows combining checkout, pre-payment order bumps, and post-purchase upsells while preserving attribution.
- Integrations: Payment APIs, AtomicPay webhooks, Hotmart-compatible webhook payloads, retries, Facebook Pixel/CAPI, UTMs, and short links.
- Tracking: Campaign and sales attribution with preserved UTMs and advertising identifiers.
- Mobile app: Sales, balances, and alerts on iOS and Android.
- Assisted migration: Migration of products, recurring billing, integrations, and funnels in parallel with an existing platform, with dedicated follow-up.
- Ecosystem: AtomicPay functions independently as a checkout or as the financial layer of the broader ATOMICAT ecosystem.

## Optional

- [Portuguese Terms of Service](https://www.atomicpay.com.br/pt/terms-of-service/): Platform, checkout, payment, account, settlement, and recurring-billing terms.
- [Portuguese Content Policy](https://www.atomicpay.com.br/pt/content-policy/): Content eligibility and prohibited-content rules for AtomicPay sellers.

## Blog (Portuguese)

- [Pix Automático](https://www.atomicpay.com.br/pt/blog/pix-automatico/): Recorrência com Pix Automático sem depender só de cartão.
- [MED do Pix](https://www.atomicpay.com.br/pt/blog/med-pix/): Como funciona a devolução MED e o que fazer quando chega.
- [Checkout transparente](https://www.atomicpay.com.br/pt/blog/checkout-transparente/): Checkout transparente vs redirecionamento e o custo de sair da página.
- [Gateway de pagamento](https://www.atomicpay.com.br/pt/blog/gateway-de-pagamento/): Como escolher gateway para negócio digital.
- [Antifraude falso positivo](https://www.atomicpay.com.br/pt/blog/antifraude-falso-positivo/): O custo de recusar venda boa.
- [Split de pagamento](https://www.atomicpay.com.br/pt/blog/split-de-pagamento/): Dividir receita para coprodução e afiliados.
- [Antecipação de recebíveis](https://www.atomicpay.com.br/pt/blog/antecipacao-de-recebiveis/): Custo de não esperar o D+30.
- [Chargeback](https://www.atomicpay.com.br/pt/blog/chargeback/): Contestação de cartão e proteção do negócio digital.
- [Política de reembolso](https://www.atomicpay.com.br/pt/blog/politica-de-reembolso/): Política que reduz contestação.
- [Conciliação financeira](https://www.atomicpay.com.br/pt/blog/conciliacao-financeira/): Por que o relatório não bate com o adquirente.
- [Taxa de conversão do checkout](https://www.atomicpay.com.br/pt/blog/taxa-conversao-checkout/): Onde compradores abandonam o checkout.
- [Taxa de aprovação](https://www.atomicpay.com.br/pt/blog/taxa-aprovacao-pagamentos/): Por que vendas boas são recusadas.
- [Churn involuntário](https://www.atomicpay.com.br/pt/blog/churn-involuntario-assinaturas/): Receita perdida sem cancelamento.
- [Order bump e upsell](https://www.atomicpay.com.br/pt/blog/order-bump-upsell-pos-compra/): Aumentar ticket médio no checkout.
- [Cobrança recorrente](https://www.atomicpay.com.br/pt/blog/cobranca-recorrente-assinaturas/): Ciclo de assinatura que retém.
- [Prevenção de chargeback](https://www.atomicpay.com.br/pt/blog/como-evitar-chargeback/): Reduzir disputas em produtos digitais.
- [Prazo de liquidação](https://www.atomicpay.com.br/pt/blog/prazo-recebimento-pagamentos/): Repasse e fluxo de caixa.
- [Custo efetivo por transação](https://www.atomicpay.com.br/pt/blog/custo-por-transacao-pagamentos/): O que você realmente paga por venda.
- [Comércio agéntico](https://www.atomicpay.com.br/pt/blog/comercio-agentico-ia/): Checkout preparado para compradores IA.
- [Migração de plataforma](https://www.atomicpay.com.br/pt/blog/migrar-plataforma-pagamentos/): Migrar sem perder assinantes.

## Blog (English)

- [Automatic PIX](https://www.atomicpay.com.br/en/blog/automatic-pix/): Recurring billing without depending only on cards.
- [PIX MED refund](https://www.atomicpay.com.br/en/blog/pix-med-refund/): How PIX special returns work and how to respond.
- [Transparent checkout](https://www.atomicpay.com.br/en/blog/transparent-checkout/): Transparent vs redirect checkout and conversion cost.
- [Payment gateway](https://www.atomicpay.com.br/en/blog/payment-gateway/): How to choose a gateway for digital business.
- [False-positive fraud prevention](https://www.atomicpay.com.br/en/blog/false-positive-fraud-prevention/): Cost of blocking good sales.
- [Payment split](https://www.atomicpay.com.br/en/blog/payment-split/): Split revenue for co-producers and affiliates.
- [Receivables anticipation](https://www.atomicpay.com.br/en/blog/receivables-anticipation/): Hidden cost of not waiting for settlement.
- [Chargeback](https://www.atomicpay.com.br/en/blog/chargeback/): How disputes work and how to protect digital sales.
- [Refund policy](https://www.atomicpay.com.br/en/blog/refund-policy/): Policy that reduces disputes.
- [Payment reconciliation](https://www.atomicpay.com.br/en/blog/payment-reconciliation/): Why reports never match the acquirer.
- [Checkout conversion rate](https://www.atomicpay.com.br/en/blog/checkout-conversion-rate/)
- [Payment approval rate](https://www.atomicpay.com.br/en/blog/payment-approval-rate/)
- [Involuntary churn](https://www.atomicpay.com.br/en/blog/involuntary-churn/)
- [Order bumps and upsells](https://www.atomicpay.com.br/en/blog/order-bumps-and-upsells/)
- [Subscription billing](https://www.atomicpay.com.br/en/blog/subscription-billing/)
- [Chargeback prevention](https://www.atomicpay.com.br/en/blog/chargeback-prevention/)
- [Settlement timing](https://www.atomicpay.com.br/en/blog/settlement-timing/)
- [Effective transaction cost](https://www.atomicpay.com.br/en/blog/effective-transaction-cost/)
- [Agentic commerce](https://www.atomicpay.com.br/en/blog/agentic-commerce/)
- [Payment platform migration](https://www.atomicpay.com.br/en/blog/payment-platform-migration/)

## Blog (Spanish)

- [Pix automático](https://www.atomicpay.com.br/es/blog/pix-automatico/)
- [Devolución Pix](https://www.atomicpay.com.br/es/blog/devolucion-pix/)
- [Checkout transparente](https://www.atomicpay.com.br/es/blog/checkout-transparente/)
- [Pasarela de pago](https://www.atomicpay.com.br/es/blog/pasarela-de-pago/)
- [Antifraude falso positivo](https://www.atomicpay.com.br/es/blog/antifraude-falso-positivo/)
- [Split de pago](https://www.atomicpay.com.br/es/blog/split-de-pago/)
- [Anticipo de recibos](https://www.atomicpay.com.br/es/blog/anticipo-de-recibos/)
- [Contracargo](https://www.atomicpay.com.br/es/blog/contracargo/)
- [Política de reembolso](https://www.atomicpay.com.br/es/blog/politica-de-reembolso/)
- [Conciliación financiera](https://www.atomicpay.com.br/es/blog/conciliacion-financiera/)

## Blog Week 3 — Spain market (Spanish source)

- [Métodos de pago: tarjeta, Bizum o transferencia](https://www.atomicpay.com.br/es/blog/metodos-pago-bizum-tarjeta-transferencia/): Combinación de métodos para conversión y ticket en España.
- [Bizum en el checkout](https://www.atomicpay.com.br/es/blog/bizum-checkout-pago-instantaneo/): Bizum empresas como pago instantáneo en comercios.
- [Domiciliación SEPA](https://www.atomicpay.com.br/es/blog/domiciliacion-sepa-pagos-recurrentes/): Adeudo SEPA para suscripciones sin depender solo de tarjeta.
- [Pago a plazos / Klarna](https://www.atomicpay.com.br/es/blog/pago-plazos-financiacion-klarna/): Coste real del BNPL para el comercio.
- [Checkout integrado vs Redsys](https://www.atomicpay.com.br/es/blog/checkout-integrado-redsys-tpv-virtual/): Coste de redirección al TPV virtual.
- [Pasarela de pago en España](https://www.atomicpay.com.br/es/blog/pasarela-pago-espana/): Cómo elegir pasarela (Stripe, TPV, AtomicPay).
- [Coste del falso positivo antifraude](https://www.atomicpay.com.br/es/blog/coste-falso-positivo-antifraude/): Rechazos de ventas buenas vs fraude.
- [Recuperación de carrito abandonado](https://www.atomicpay.com.br/es/blog/recuperacion-carrito-abandonado/): Cadencia de email que recupera sin quemar la lista.
- [IVA, Verifactu y OSS](https://www.atomicpay.com.br/es/blog/iva-facturacion-verifactu-oss/): Facturación e IVA para productos digitales en España/UE.
- [Política de devoluciones](https://www.atomicpay.com.br/es/blog/politica-de-devoluciones/): Política que reduce contestaciones y chargebacks.

PT/EN mirrors use locale-specific slugs (see /pt/blog/ and /en/blog/ indexes).

## Blog Week 4 — English source (Sep 28–Oct 4)

- [Payment processing systems](https://www.atomicpay.com.br/en/blog/payment-processing-systems/)
- [Recurring billing and subscriptions](https://www.atomicpay.com.br/en/blog/recurring-billing-subscriptions/)
- [Reduce cart abandonment](https://www.atomicpay.com.br/en/blog/reduce-cart-abandonment/)
- [Accept payments online](https://www.atomicpay.com.br/en/blog/accept-payments-online/)
- [Online payment methods](https://www.atomicpay.com.br/en/blog/online-payment-methods/)
- [Sell digital products online](https://www.atomicpay.com.br/en/blog/sell-digital-products-online/)
- [High-converting digital checkout](https://www.atomicpay.com.br/en/blog/high-converting-digital-checkout/)
- [Prevent chargebacks and payment fraud](https://www.atomicpay.com.br/en/blog/prevent-chargebacks-payment-fraud/)
- [Order bumps and upsells (AOV)](https://www.atomicpay.com.br/en/blog/order-bumps-upsells-aov/)
- [Accept PIX payments online](https://www.atomicpay.com.br/en/blog/accept-pix-payments-online/)

## Blog Week 5 — Spanish source (Oct 5–11)

- [Apple Pay and Google Pay](https://www.atomicpay.com.br/es/blog/apple-pay-google-pay-checkout/)
- [Payment tokenization](https://www.atomicpay.com.br/es/blog/tokenizacion-pagos-tarjeta-guardada/)
- [PCI DSS](https://www.atomicpay.com.br/es/blog/pci-dss-seguridad-pago/)
- [Subscription proration](https://www.atomicpay.com.br/es/blog/prorrateo-cambio-de-plan-suscripciones/)
- [3D Secure and SCA](https://www.atomicpay.com.br/es/blog/3d-secure-sca-psd2/)
- [International payments](https://www.atomicpay.com.br/es/blog/pagos-internacionales-metodos-locales/)
- [Intra-community invoices](https://www.atomicpay.com.br/es/blog/factura-intracomunitaria-iva-b2b/)
- [Payment links](https://www.atomicpay.com.br/es/blog/enlace-de-pago-cobrar-sin-web/)
- [Free trials](https://www.atomicpay.com.br/es/blog/periodo-de-prueba-gratis-cobro/)
- [Guest checkout](https://www.atomicpay.com.br/es/blog/checkout-sin-registro-guest-checkout/)

## Blog Week 6 — Brazil English source (Oct 19–26)

- [Recover unpaid Pix payments](https://www.atomicpay.com.br/en/blog/recover-unpaid-pix-payments/)
- [Sell online courses in Brazil](https://www.atomicpay.com.br/en/blog/sell-online-courses-brazil/)
- [Payment MCP server](https://www.atomicpay.com.br/en/blog/payment-mcp-server/)
- [Pix vs credit card](https://www.atomicpay.com.br/en/blog/pix-vs-credit-card/)
- [Installment payments in Brazil](https://www.atomicpay.com.br/en/blog/installment-payments-brazil/)
- [Split payment and tax reform (CBS/IBS)](https://www.atomicpay.com.br/en/blog/brazil-split-payment-tax-reform/)
- [Pix with biometrics (JSR)](https://www.atomicpay.com.br/en/blog/pix-biometrics/)
- [Black Friday Brazil](https://www.atomicpay.com.br/en/blog/black-friday-brazil/)
- [Pix payment links (upgrade)](https://www.atomicpay.com.br/en/blog/payment-link-charge-without-website/)
- [Accept payments in Brazil (upgrade)](https://www.atomicpay.com.br/en/blog/accept-pix-payments-online/)

## Checkout product pages

- [PIX checkout](https://www.atomicpay.com.br/en/checkout/pix/)
- [Credit card checkout](https://www.atomicpay.com.br/en/checkout/card/)