InfinitePay turned a $40 Android phone into a card machine and a CNPJ into a fee-free account. The InfiniteTap demo still wins new sellers, the Smart Card pays 1.5% personal cashback, and the digital account ships unlimited free Pix. The friction shows up later: only NFC-equipped Android phones run InfiniteTap, the headline rates assume specific settlement choices, support volume scales with promotional periods, and the rate calculator inside the app does not match every effective rate sellers report. If the math has stopped working for your specific volume, the Brazilian SMB payments space has InfinitePay alternatives that range from heavier hardware to leaner phone-only flows.
This guide compares 7 InfinitePay alternatives, ranked across hardware machines, tap-on-phone tools, and digital account replacements for the everyday SMB use case.
Quick comparison
| App | Best for | Phone-as-machine | Physical hardware | Settlement |
|---|---|---|---|---|
| Stone | Established merchant rails | Yes | Multiple options | Tiered options |
| PagBank | Wallet plus Point hardware | Yes | Point machines | Next business day standard |
| SumUp | Small-ticket simplicity | Yes | Card readers | Next business day |
| Mercado Pago | Marketplace and Point | Yes | Point machines | Tiered options |
| Ton | Stone’s micro-merchant brand | No | Compact machines | Next business day |
| Banco Inter | Investment-heavy SMB | No | Separate PJ app | Standard |
| PicPay | Pix-leaning payment link | No | None | Instant for Pix |
Why people leave InfinitePay
InfinitePay still wins on phone-as-machine and zero-rental hardware, but several friction points show up in the merchant communities.
- NFC-only on phone. InfiniteTap requires an Android phone with NFC and a recent OS. iPhone users and older Android users cannot use the headline feature.
- Rate calculator marketing vs effective rate. Headline rates show pre-receipt anticipation. Some sellers report effective rates above the calculator after factoring early receipt.
- D+1 settlement on standard tier. Faster settlement options exist but carry a cost. New sellers feel the wait.
- Support volume during peaks. Promotional periods and Brazilian retail cycles slow ticket response times.
- Limited iPhone path. Sellers who use iPhone hardware for the storefront cannot run InfiniteTap on the phone they already carry.
Which InfinitePay alternative should you choose?
- Stone if the business needs established merchant rails.
- PagBank if the same person needs a personal account and POS.
- SumUp if small-ticket card acceptance is the entire need.
- Mercado Pago if you also sell on Mercado Livre.
- Ton if you want a Stone-backed compact machine.
- Banco Inter if SMB use sits alongside heavier investing.
- PicPay if a payment link and Pix cover most of the volume.
1. Stone — best InfinitePay alternative for established merchant rails
Stone runs the most established SMB-focused fintech infrastructure in Brazil. The flagship app handles a free PJ digital account, card machine management, Pix, business credit, and accounts-payable. Faster settlement tiers, business credit lines, and ticket-level support depth give it an edge for sellers who have outgrown phone-as-machine.
Where it falls short: Premium settlement carries cost. The app leans PJ-first, which adds friction for solo operators who want a personal-first experience.
Pricing: Free PJ account. Hardware options vary by tier. Rates per transaction by card type.
Stone vs InfinitePay: Stone wins on established merchant infrastructure and settlement options. InfinitePay wins on zero-cost phone-as-machine entry.
Bottom line: Pick Stone when the business has outgrown the phone and needs dedicated hardware with serious back-office tooling.
2. PagBank — best for combined personal-business use
PagBank ships a free personal account, a Point card machine, a credit card with no annual fee, and investment options inside one app. Pix is unlimited and free, the account pays 100% of the CDI, and the same person can run a side hustle and a personal wallet without switching apps.
Where it falls short: Merchant UI bleeds into the personal experience. Investment menu narrower than Inter’s.
Pricing: Free account. Point hardware has zero rental and zero monthly fee. Rates per transaction.
PagBank vs InfinitePay: PagBank wins on physical hardware bundled with a personal account. InfinitePay wins on phone-only entry.
Bottom line: Pick PagBank when the same person needs an account and physical machines that work without NFC.
3. SumUp — best for small-ticket card acceptance
SumUp is an international payment company with a sustained Brazilian presence. The app pairs with SumUp card readers, supports tap-on-phone on compatible Android devices, and ships transparent per-transaction rates. The simplicity matters for sellers who only need card acceptance without an attached account.
Where it falls short: No bundled personal account in Brazil. Investment options not present. Catalog of additional services thinner than InfinitePay.
Pricing: No account fee. Card reader and tap-on-phone rates per transaction. Standard next-business-day settlement.
SumUp vs InfinitePay: SumUp wins on simplicity and transparent rates. InfinitePay wins on the bundled account and the 1.5% Smart Card cashback.
Bottom line: Pick SumUp when you only need to accept cards with predictable rates.
4. Mercado Pago — best for Mercado Livre sellers
Mercado Pago pairs the wallet with the Point card machine and the Mercado Livre seller dashboard. The integration alone justifies the install for anyone selling on Mercado Livre. The account pays up to 105% of the CDI with monthly-deposit conditions, Pix is unlimited and free, and the Point hardware accepts cards and Pix QR.
Where it falls short: Crypto and Linha de Crédito upsells crowd the home feed. Account holds during disputes can lock balances for days.
Pricing: Free account. Card with no annual fee. Point hardware with rate per transaction.
Mercado Pago vs InfinitePay: Mercado Pago wins on marketplace integration and default-balance yield. InfinitePay wins on phone-as-machine.
Bottom line: Pick Mercado Pago when most of your volume comes through Mercado Livre.
5. Ton — best for Stone-backed micro-merchants
Ton is Stone’s brand for self-employed and micro-business sellers. The app pairs with compact Ton card machines that handle credit, debit, and Pix without the heavier setup of full Stone hardware. Settlement runs standard next-business-day, with options to accelerate at cost.
Where it falls short: No phone-as-machine in the same form as InfiniteTap. No Stone-grade business credit lines.
Pricing: Free account. Hardware purchase or rental options vary. Rates per transaction.
Ton vs InfinitePay: Ton wins on physical machine simplicity and Stone-backed infrastructure. InfinitePay wins on zero-hardware entry.
Bottom line: Pick Ton if you want a small machine from a company that already runs Stone-scale rails.
6. Banco Inter — best for SMB plus heavier investing
Banco Inter’s personal app ships a free account, a credit card, a home broker, CDB, LCI, LCA, Treasury Direct, and an international USD account. Inter’s separate PJ app covers merchant features. Sellers who run lower-volume side hustles often use Inter’s investment depth for the cash side and a lighter POS for the merchant side.
Where it falls short: Merchant tools sit in a separate app. No phone-as-machine in the consumer app.
Pricing: Free personal account. Free PJ account. Investment platform has no maintenance fee.
Banco Inter vs InfinitePay: Inter wins on investment depth and dollar exposure. InfinitePay wins on integrated phone-as-machine.
Bottom line: Pick Inter when the cash side matters as much as the sales side.
7. PicPay — best for Pix-heavy seller flows
PicPay ships a payment link generator inside the personal app, useful for sellers whose customers are comfortable paying via Pix or credit card link rather than tapping a physical machine. Pix in installments to friends and bill installments add flexibility on the personal side. The wallet pays 102% of the CDI.
Where it falls short: No physical card machine. No phone-as-machine. Payment-link flow assumes the buyer can complete the link on their device.
Pricing: Free account. Card with no annual fee. Payment link with rate per transaction.
PicPay vs InfinitePay: PicPay wins on Pix-first seller flow and personal wallet depth. InfinitePay wins on direct card-machine functionality.
Bottom line: Pick PicPay when most of your customers prefer paying via Pix or a payment link.
How to choose
For sellers who have outgrown phone-as-machine and need real rails, install Stone. The flagship app handles a serious PJ account, business credit, and faster settlement.
For combined personal-business use without giving up physical hardware, PagBank ships both a personal account and the Point machine. Mercado Pago matches that bundle with Mercado Livre integration on top.
For simpler card acceptance without an account, SumUp is the cleanest international-brand option. Ton ships Stone’s smaller machines for micro-merchants who want compact hardware.
For sellers who never used the card machine much and rely on payment links and Pix, PicPay’s personal app covers the basics without the merchant overhead.
Stay on InfinitePay when phone-as-machine is genuinely the right answer for your volume, you spend predictably on the Smart Card to earn the 1.5% cashback, and the rate calculator math works for your specific transaction mix. The free-entry pitch still wins for the seller starting at zero.
FAQ
What is the best InfinitePay alternative? For established merchant rails, Stone. For combined personal-PJ use, PagBank. For simpler small-ticket card acceptance, SumUp.
Can I use InfinitePay without a card machine? Yes. InfiniteTap turns a compatible Android phone into the machine. Payment links and Pix work without any phone-based machine.
Which alternative has the lowest card machine fees? Effective rates depend on settlement timing, card type, and seller tier. Run your specific transaction mix through each app’s calculator before switching.
Is Stone better than InfinitePay? Stone is better for established sellers who need faster settlement, business credit, and dedicated hardware. InfinitePay is better for new sellers starting with phone-as-machine at zero cost.
Can I use InfiniteTap on an iPhone? No. InfiniteTap requires a recent Android phone with NFC. iPhone sellers need a SumUp reader, a Mercado Pago Point, or another hardware option.
