Qitero Qitero

Hipercard

Country: Brazil (BR)  |  Payment Rail: card_network

Card Market Adoption: 30%

Hipercard is a major domestic Brazilian credit card brand owned by Itaú Unibanco, supporting local installments (Parcelamento) and recurring card billing.

🔄 User Payment Flow

  1. Customer enters Hipercard number, CVV, and selects installment plan (Parcelas) at checkout
  2. Checkout presents 3DS SMS authentication page or Itaú app verification
  3. Customer enters security code to authorize transaction
  4. Hipercard processes credit transaction and redirects back to merchant

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls card acquiring gateway API with Hipercard payload
  • PSP requests card network authorization
  • PSP triggers merchant order success webhooks upon credit switch approval