Comparison · Updated November 14, 2026
Getnet vs Stone (Brazil card machines)
Getnet
B-
Getnet is the Brazilian card acquirer owned by Grupo Santander. It was founded in 2003 in Campo Bom, Rio Grande do Sul, bought by Santander Brasil between 2014 and 2019, briefly listed on B3 and Nasdaq in 2021, and taken private again by Santander's payments arm, PagoNxt, in 2022 and 2023. It is authorised by the Banco Central do Brasil as a payment institution and signs the merchant agreement itself. Getnet sells card machines (Get Lite, Get Clássica, Get Smart), Get Tap for Android phones, a payment link, an e-commerce checkout and gateway, recurring billing, Pix and receivables prepayment, with sales paid into its own Get Conta account. Unlike many bank-owned acquirers it publishes rates. The rented-terminal table on its machines page, unchanged since at least January 2026, charges Visa and Mastercard 0.95% on debit and 3.15% on one-payment credit for sellers taking R$10,000 to R$20,000 a month, falling to 0.85% and 2.69% above R$80,000, paid in two business days. A Black Friday promotion running in November 2026, with no published end date, offers smaller sellers the Get Lite machine at 0.99% debit and 2.89% credit; in July the same offer was 1.39% and 3.49%. Clássica and Smart rentals of R$79.90 and R$129.90 a month are waived at higher volumes. Other Getnet pages still show older tables, so check the rate in your own sign-up terms. The accreditation contract has no fixed term and can be ended on 30 days' notice, but it lets Getnet change rates at any time, set reserves unilaterally and hold payouts after the contract ends, for up to 365 days where Getnet terminates it for cause. On Reclame Aqui Getnet holds an Ótima rating, though only 65.3% of complainants say they would do business with it again.
Stone
B
Stone is the small and mid-size business brand of StoneCo, the Nasdaq-listed (STNE) Brazilian payments and banking group. The merchant agreement is with Stone Instituição de Pagamento S.A., which the Banco Central do Brasil authorises as a card acquirer (credenciadora) and e-money issuer. Stone sells card terminals (maquininhas), a tap-on-phone app called TapStone, payment links, e-commerce processing, a free business account (Conta PJ) and working-capital credit. As of October 2026 it publishes some rates: TapStone at 0.87% for debit and 1.90% for one-off credit (crédito à vista), and payment links at 2.99% for one-off credit. Terminal rates are personalised: the terminal page advertises debit from 0.74% and credit from 2.99%, and you get your own rates after an assessment. The contract has no fixed term and the merchant can end it on 30 days' notice without penalty. StoneCo's cheaper micro-merchant brand, Ton, is a sibling sold separately, with its own published plans.
VS
Overview
We compare the two for a small business in Brazil taking card and Pix payments in person, in reais, on the entry offer each publishes on its own website, as read on 14 November 2026. For Getnet that is the Get Lite machine: a one-off adhesion fee and no rent. Getnet's Black Friday terms for Get Lite name new individual (CPF) clients, though its machines page also offers it to companies selling under R$10,000 a month. For Stone it is its rented machine, which is sold to companies with a CNPJ at rates quoted per business. Getnet belongs to Grupo Santander. It was listed on B3 and Nasdaq in October 2021 after a spin-off from Santander Brasil, with Santander keeping control, and taken private again by Santander's payments arm, PagoNxt, through tender offers settled in December 2022 and a squeeze-out completed in March 2023. Stone is StoneCo Ltd.'s merchant brand for companies (Ton is its separate brand for micro-merchants); StoneCo is listed on Nasdaq as STNE. The main difference is what you can price before you sign. Getnet publishes full rate tables. In November 2026 Get Lite costs 0.99% on debit, 2.89% on one-payment credit and 12.00% for 12 instalments, all paid into Getnet's Get Conta in 2 business days, plus a one-off R$70.80 (or 12 × R$5.90). Getnet labels these a Black Friday offer for new individual clients and publishes no end date; in July the same machine was offered at 1.39% and 3.49%. Stone publishes only Black Friday floors for its machine (debit from 0.74%, credit from 2.99%) and sets your actual rates after an assessment. It does not publish its rent or the sales level at which rent is waived. Stone's default payout schedule is debit in 1 business day and credit in 30 days, with same-day payout available at a higher rate into a Stone account. Both contracts are open-ended and can be ended on 30 days' notice without a penalty. Stone has the stronger complaints record on Reclame Aqui (RA1000, 8.8/10, against Getnet's Ótima, 8.1/10, for May to October 2026).
Key Takeaways
- ✓It depends on what you need. Getnet is the one you can price before you sign and the one a seller without a company can use. Stone has the stronger complaints record and longer support hours, but quotes its machine rates and rent per business.
- ✓Getnet's Get Lite costs 0.99% debit, 2.89% one-payment credit and 12.00% for 12 instalments, paid in 2 business days, plus a one-off R$70.80 or 12 × R$5.90 and no rent. Getnet labels these a Black Friday offer for new individual (CPF) clients, with no end date; in July the offer was 1.39% and 3.49%.
- ✓Stone advertises its machine from 0.74% debit and 2.99% credit in a Black Friday banner and sets the real rate after an assessment. It does not publish its rent or the sales level that waives it.
- ✓Both contracts are open-ended with no exit fee on 30 days' notice. Getnet's lets it hold payouts for up to 365 days after it ends the contract for cause; Stone's lets it change prices at any time in listed cases.
- ✓On Reclame Aqui, Stone holds RA1000 with 8.8/10 and 81% of complainants saying they would return; Getnet holds Ótima with 8.1/10 and 64.4% (May–October 2026).
Getnet
Getnet suits a small seller, including an individual with a CPF, who wants published rates and no monthly rent. Get Lite costs a one-off R$70.80 (or 12 × R$5.90) under the current Black Friday offer, which Getnet aims at new individual clients, and charges 0.99% debit and 2.89% one-payment credit, with everything, instalments included, paid into Get Conta in 2 business days. Expect those rates to rise when the campaign ends, and read the contract's price-change and post-termination hold clauses before signing.
Stone
Stone suits a small company with a CNPJ that values support and is willing to negotiate. Its phone line for clients runs 24 hours a day, it holds Reclame Aqui's RA1000 seal, and you can be paid into a Stone account or another bank. Its machine rates, rent and rent waiver are set per business, so get them in writing and compare them with Getnet's published table before you sign.
The Verdict
It Depends on Your Needs
Why?
Getnet is the clearer choice if you want to know your price before signing, or if you sell as an individual without a CNPJ: it publishes every rate on its Get Lite and rented machines and charges no rent on Get Lite, though the current low rates are a Black Friday offer with no end date. Stone is the stronger choice on track record and support, with a better Reclame Aqui record and round-the-clock client support, but its machine rates, rent and rent waiver are quoted per business. A company with a CNPJ should get Stone's full offer in writing, at the same payout term, and compare it with Getnet's published table.
Feature by feature
Detailed Comparison
Filter Options
Card machine rates, entry offer (November 2026)
| Feature | Getnet | Stone |
|---|---|---|
| Debit | 0.99%, paid in 2 business days (Black Friday) | From 0.74%, quoted per business |
| Getnet: Get Lite, one rate for all card brands, paid into Get Conta in 2 business days ('Condições válidas para recebimento na Get Conta'). The Get Lite page calls it a Black Friday offer, says the conditions are for new individual (PF) clients whatever their monthly sales, and gives no end date; Getnet's machines page also lists it as the under-R$10,000-a-month tier with a company sign-up link. Getnet's offers page showed the same machine at 1.39% on 11 July 2026 (Wayback Machine copy). Getnet's standing rented-machine table (Get Clássica or Get Smart, Visa and Mastercard, R$10,000 to R$20,000 a month) is 0.95%. Stone: the 'a partir de' figure appears only in a Black Friday banner on its machine pages, which say rates are personalised per business; Stone does not say what payout term the floor assumes. Not the same basis, so no winner. | ||
| Credit, one payment (à vista) | 2.89%, paid in 2 business days (Black Friday) | From 2.99%, quoted per business |
| Getnet Get Lite, paid into Get Conta in 2 business days; 3.49% on 11 July 2026, per a Wayback Machine copy of Getnet's offers page. Getnet's standing rented-machine rate at R$10,000 to R$20,000 a month is 3.15%. Stone's default schedule pays one-payment credit 30 days after the sale unless you pay more for faster receipt, and its floor does not state a payout term. No winner. | ||
| Credit, 12 instalments | 12.00%, paid in 2 business days (Black Friday) | Not disclosed |
| Getnet Get Lite, one rate for all card brands, with all instalments paid in 2 business days. On Getnet's standing rented-machine table (Visa and Mastercard) it is 16.85% at R$10,000 to R$20,000 a month. Stone publishes no instalment rate for its machine; its machine pages advertise 'taxas especiais' for up to 21 instalments as a Black Friday line. | ||
| Pix on the machine | Not disclosed | 0% (Black Friday campaign) |
| Getnet's Pix page says a tariff may be charged per approved transaction, varying with the Pix model the merchant qualifies for, and points to terms in its app; we found no published amount. Stone's machine page advertises 'Pix Zero na maquininha' as a Black Friday benefit with no duration or eligibility stated. No winner. | ||
Debit
Getnet
0.99%, paid in 2 business days (Black Friday)
Stone
From 0.74%, quoted per business
Getnet: Get Lite, one rate for all card brands, paid into Get Conta in 2 business days ('Condições válidas para recebimento na Get Conta'). The Get Lite page calls it a Black Friday offer, says the conditions are for new individual (PF) clients whatever their monthly sales, and gives no end date; Getnet's machines page also lists it as the under-R$10,000-a-month tier with a company sign-up link. Getnet's offers page showed the same machine at 1.39% on 11 July 2026 (Wayback Machine copy). Getnet's standing rented-machine table (Get Clássica or Get Smart, Visa and Mastercard, R$10,000 to R$20,000 a month) is 0.95%. Stone: the 'a partir de' figure appears only in a Black Friday banner on its machine pages, which say rates are personalised per business; Stone does not say what payout term the floor assumes. Not the same basis, so no winner.
Credit, one payment (à vista)
Getnet
2.89%, paid in 2 business days (Black Friday)
Stone
From 2.99%, quoted per business
Getnet Get Lite, paid into Get Conta in 2 business days; 3.49% on 11 July 2026, per a Wayback Machine copy of Getnet's offers page. Getnet's standing rented-machine rate at R$10,000 to R$20,000 a month is 3.15%. Stone's default schedule pays one-payment credit 30 days after the sale unless you pay more for faster receipt, and its floor does not state a payout term. No winner.
Credit, 12 instalments
Getnet
12.00%, paid in 2 business days (Black Friday)
Stone
Not disclosed
Getnet Get Lite, one rate for all card brands, with all instalments paid in 2 business days. On Getnet's standing rented-machine table (Visa and Mastercard) it is 16.85% at R$10,000 to R$20,000 a month. Stone publishes no instalment rate for its machine; its machine pages advertise 'taxas especiais' for up to 21 instalments as a Black Friday line.
Pix on the machine
Getnet
Not disclosed
Stone
0% (Black Friday campaign)
Getnet's Pix page says a tariff may be charged per approved transaction, varying with the Pix model the merchant qualifies for, and points to terms in its app; we found no published amount. Stone's machine page advertises 'Pix Zero na maquininha' as a Black Friday benefit with no duration or eligibility stated. No winner.
Best For Your Business
Recommendations based on your business type
Self-employed seller with a CPF and no company
Recommended
Getnet
Getnet signs up individuals and lists Get Lite as an offer for CPF holders, with Black Friday conditions for new individual clients: a one-off R$70.80 or 12 × R$5.90 and no rent, at 0.99% debit and 2.89% one-payment credit under the current Black Friday offer. Stone's machine requires a CNPJ and points individuals to StoneCo's separate brand, Ton.
Small company that wants to know its rates before signing
Recommended
Getnet
Getnet publishes full tables, from debit to 12 instalments paid in 2 business days, for its rented machines by monthly sales tier (for example 0.95% debit and 3.15% one-payment credit at R$10,000 to R$20,000 a month) and for Get Lite. Stone publishes only 'from' rates in a Black Friday banner and sets the real rate after an assessment.
Business that sells a lot in instalments and wants the money quickly
Recommended
Getnet
Getnet's published rates already include payment of instalment sales in 2 business days (12.00% for 12 instalments on Get Lite under the current offer; 16.85% on a rented machine at R$10,000 to R$20,000 a month). Stone pays instalments monthly by default and charges an unpublished surcharge for faster payout, so ask for its all-in price at the same payout term.
Company that values support and complaint handling
Recommended
Stone
Stone holds Reclame Aqui's RA1000 seal with 8.8/10, 91.3% of complaints resolved and 81% of complainants willing to return (May–October 2026), against Getnet's 8.1/10, 87.9% and 64.4%. Stone also lists 24-hour phone support for clients; Getnet's line runs 06:00 to 22:00.
Company that wants to keep its current bank
Recommended
Stone
Stone's default payout can go to a Stone account or another bank you choose; only its same-day and every-day payouts need a Stone account. Getnet's offers are built around its own Get Conta, with another bank only if you are not eligible for it.
Getnet: Best for 3 use cases
Stone: Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
We cannot say from published prices, because Stone quotes its machine rates per business. As of November 2026 Getnet's Get Lite costs 0.99% on debit, 2.89% on one-payment credit and 12.00% for 12 instalments, paid in 2 business days, under a Black Friday offer for new individual clients with no end date (1.39% and 3.49% in July). Its rented machines for companies cost 0.95% debit and 3.15% one-payment credit at R$10,000 to R$20,000 a month. Stone advertises its machine from 0.74% debit and 2.99% credit in a Black Friday banner and does not say what payout term those floors assume. Ask Stone for a written quote at the same payout term and compare.
Not for Getnet: its machines are offered to individuals with a CPF as well as to companies, and Get Lite's Black Friday conditions are aimed at new individual (CPF) clients. Stone's machine and business account require a CNPJ; Stone sends people without one to Ton, StoneCo's separate micro-merchant brand.
Getnet's Get Lite has no rent: you pay a one-off adhesion fee, currently R$70.80 or 12 × R$5.90, and the machine is lent, not sold. Getnet's rented Get Clássica costs R$79.90 a month and is free when the previous month's sales on it pass R$20,000. Stone rents its machines and waives the rent depending on your sales, but publishes neither the rent nor the threshold.
Getnet's published machine rates assume all sales, instalments included, are paid into Get Conta in 2 business days. Stone's default is debit in 1 business day, one-payment credit in 30 days and instalments monthly; you can choose same-day payout for sales made by 23:00, or next-day payout, at a higher, unpublished rate and into a Stone account.
Yes. Both contracts are open-ended and can be ended on 30 days' notice without a penalty. Getnet asks for machines back within 15 days, and Get Lite's adhesion fee is refunded only if you cancel within 7 days of delivery. Stone asks for rented machines back within 5 business days, or charges their full value.
Getnet belongs to Grupo Santander. It was spun off from Santander Brasil and listed on B3 and Nasdaq in 2021, with Santander keeping control, then taken private by PagoNxt, Santander's payments arm, through tender offers settled in December 2022 and a squeeze-out completed in March 2023. Stone is StoneCo Ltd.'s merchant brand for companies; StoneCo is listed on Nasdaq under the ticker STNE.
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