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Use this page when you are deciding how to implement new card acceptance.

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Why Pagou recommends Payment Element

Payment Element is the shortest safe path to card acceptance with Pagou because it combines:
  • hosted card entry fields
  • tokenization
  • browser-side next action handling for 3DS
  • a clean backend handoff into POST /v2/transactions

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Backend contract

Your backend still owns the transaction create request: 
curl --request POST \
  --url https://api.pagou.ai/v2/transactions \
  --header "Authorization: Bearer YOUR_TOKEN" \
  --header "Content-Type: application/json" \
  --data '{
    "external_ref": "order_2001",
    "amount": 2490,
    "currency": "BRL",
    "method": "credit_card",
    "token": "pgct_abc123",
    "installments": 1,
    "buyer": {
      "name": "Ada Lovelace",
      "email": "ada@example.com",
      "document": {
        "type": "CPF",
        "number": "12345678901"
      }
    },
    "products": [
      {
        "name": "Plan upgrade",
        "price": 2490,
        "quantity": 1
      }
    ]
  }'

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Decision rule

  • Use Payment Element if you are building or rebuilding checkout.
  • Keep older browser tokenization only if you are maintaining a legacy flow and cannot migrate yet.

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