Online payments in Brazil are led by Pix (over roughly 40%) and installment payments on Elo, Visa, and Mastercard cards, and local consumers who hold a Discover card are rare. That said, Discover has broadened its acceptance footprint through global alliance networks including Diners Club, making it a viable option in scenarios where US-affiliated visitors and expatriates staying in Brazil pay with their home-country cards.

Merchants that also serve US-affiliated consumers in Brazil — such as travel and lodging bookings with a meaningful share of American customers, or services for international schools and expatriate communities — can consider it as a supplementary method. If your goal is to reach resident Brazilian consumers, a mix of Pix, Elo, and installment-capable cards should take priority over Discover, and this page is meant to help you make that prioritization call.

When a consumer enters their Discover card details at checkout, the transaction is approved in real time after online authentication (such as 3-D Secure) from the network and issuer. Since most consumers using this method in Brazil are visitors or expatriates carrying US-issued cards, it's worth reviewing your transaction currency and address verification settings alongside this flow. Hecto Financial receives the approved funds in BRL and, after conversion, settles them in the contracted currency among USD, KRW, or JPY.

When integrating with Hecto Financial, accepting Discover itself is feasible to review, but it's reasonable to set your priorities on the premise that transaction volume expected from the Brazilian market will be limited. Consult together with the configurations covered on the separate Pix and Elo pages for the primary methods aimed at local consumers.

• Business registration country

  Confirm contract eligibility for merchants registered in Korea

• Sales channel

  The integration method and priorities differ depending on your online sales channel mix, such as your own site, open marketplaces, or mobile apps

• Product category

  Confirm in advance whether your category falls under restricted industries per Discover's operator merchant policy

• Local regulatory compliance

  Confirm compliance with Brazil's payment and foreign exchange regulations (see official sources below)

As with other methods, Discover card sales are received in BRL, converted, and settled in the currency designated in the contract among USD, KRW, or JPY. Refunds are processed as cancellations of the original card transaction, and for transactions with Brazil-resident consumers, you should also reflect the CDC's 7-day right-of-withdrawal rule in your refund policy.

• Central Bank of Brazil (Banco Central do Brasil)Official information on Brazil's payment systems and related regulations. If this page's content differs from the actual regulations, the official source takes precedence.