Sicoob's own card acquirer. Authorise, capture, void and refund credit and debit cards in BRL — instalments included — through the Fiserv IPG Web Service.
pg_sicoob collects Pix and registered boleto into a Sicoob current account, and that is all a bank can do — a cooperative account cannot authorise a card. Brazilian drivers still expect to tap a card at the charger, and Pay-Per-Session needs an amount held before the cable unlocks and settled for what the session actually cost. Without an acquirer beside the bank, an operator that banks with Sicoob has to send card volume to an unrelated processor and reconcile two settlement streams.
Send a sale for an immediate charge, or preAuth to reserve. Credit and debit, in BRL, on Sicoob's own acquiring contract.
preAuth reserves an estimate before the cable unlocks; postAuth captures the same amount or less once the session ends and the real cost is known.
Split a charge over several parcelas, with the interest absorbed by the merchant or passed to the cardholder — the way Brazilians expect to buy.
IPG holds the card against a HostedDataID. The platform stores only that token, so a top-up or a monthly settlement charges without the driver present.
Void a transaction before it settles, return it afterwards. Both go through the same Web Service, with the original order kept as the reference.
The client certificate and key Sipag issues to the merchant establish the mutually authenticated channel IPG requires, with HTTP Basic layered on top.
How operators banking with a Sicoob cooperative take the card payments the bank itself cannot.
A charging network in Minas Gerais already collected Pix and boleto through pg_sicoob. Adding Sipag beside it brought card volume onto the same cooperative relationship: the platform routes Pix and boleto to the bank and cards to the acquirer, and the operator reconciles one settlement report instead of two.
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