ASAAS

Name

ASAAS

Legal name

ASAAS Gestão Financeira Instituição de Pagamento S.A.

Website

https://asaas.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

SME Payment Processing and Financial Management

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)

Keywords

• Payment processing platform
• Digital banking services
• Receivables anticipation
• Billing automation software
• SME financial management

Headquarters

HQ city

Joinville

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Transaction fees on processed payments: Asaas charges transaction fees only when payments are successfully received. No monthly fees, no setup costs. Fees vary by payment method: credit card, boleto, Pix, etc. This is the primary revenue driver and aligns Asaas's incentives with its customers' success.
2. Receivables anticipation (credit advances): Asaas provides early payment of outstanding receivables for a fee. Rates start at 1.25% per month for credit card online sales and 5.79% per month for boleto anticipations. Special zero-rate terms apply for Asaas Tap credit sales. Revenue derived from the spread between cost of capital and interest charged.
3. Advanced plan subscription (R$99.90/month): Premium subscription plan priced at R$99.90 per month providing access to advanced features such as fully customizable email and SMS notification templates, extended collection rules, and enhanced reporting capabilities.
4. Collection notification fees: Fees for automated collection reminder notifications sent via WhatsApp (R$0.55 per notification), voice robot/phone calls (R$0.55 per call), email and SMS packages (R$0.99 per transaction package), and physical mail via Correios (R$2.91 per letter).
5. White-label and BaaS licensing: Revenue from partners (platforms, fintechs, ERPs) that embed Asaas's licensed financial infrastructure. Partners integrate via API to offer Asaas-powered payment and banking services under their own brand, with revenue shared or fee-based per transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

ASAAS is a Brazilian regulated payment institution that provides an all-in-one financial management and payment processing platform for SMEs, combining multi-method payment acceptance (Pix, credit/debit cards, boleto bank slips, payment links), automated collection reminders (Régua de Cobrança), receivables anticipation, digital PJ banking account, electronic invoicing, and ERP functionality within a single API-accessible platform. The company operates a Banking-as-a-Service (BaaS) white-label model enabling partners to embed licensed financial infrastructure, supported by Central Bank of Brazil SCD/SCFI authorization.

Product overview

Asaas is a Brazilian all-in-one financial and operational platform for SMEs, positioning itself as a complete ecosystem rather than a single product. The core platform (asaas.com) provides a digital PJ account with integrated billing, payment acceptance (Pix, credit/debit card, boleto, and payment links), and receivables management. This core is supplemented by a portfolio of add-on modules: Asaas Tap (tap-to-pay via smartphone), the Asaas Mastercard debit card, a multi-channel automated collection rule (Régua de Cobrança) with voice robot and Serasa integration, automated invoice issuance (Nota Fiscal), receivables anticipation, split payments, and escrow accounts. Asaas operates as both a payment gateway and a Banking as a Service (BaaS) provider via its White Label API, allowing partners to embed financial services under their own brand. The platform also offers a free cloud ERP called Base (an acquired product), a digital wallet/BNPL product (Code Money acquisition), insurance distribution (Mutuus by Asaas), conversational CRM (Helena CRM acquisition), and invoice automation (Nexinvoice acquisition). The Asaas API (REST, JSON, webhook-enabled) underpins the entire platform and powers all integrations with Shopify, WooCommerce, Nuvemshop, Magento, Pluga, Make/Integromat, and N8N. Asaas holds SCD and SCFI licenses from Brazil's Central Bank, positioning it as a regulated financial institution with payment and lending authority.

Differentiator

Problem solved

Functional benefit

Brands

• Base: Free cloud-based ERP system for micro and small businesses covering sales, inventory, financial management, and fiscal control
• Mutuus by Asaas
• Asaas Tap

Products and services

• Asaas Core Platform Brazilian financial and operations platform for SMEs that centralizes and automates billing, payments, cash flow management, receivables anticipation, and operational workflows via a single unified platform accessible via web and mobile app.
• Asaas API REST-based payments API enabling developers to build payment, billing, subscription, split payment, webhook, subaccount, invoice, and anticipation functionality into third-party websites, apps, and SaaS platforms. Supports JSON, API key authentication, 99% uptime SLA, PCI-DSS compliance, antifraud, IP whitelisting, sandbox environment, Postman/Insomnia collections, and MCP Server for AI agent integrations.
• Asaas Checkout Pre-built payment form ready to embed in e-commerce or SaaS platforms without custom development. Supports automated customer data collection, link expiration settings, automatic post-payment redirects, and split payment integration.
• White Label (Banking as a Service) Banking as a Service (BaaS) solution enabling companies to offer financial services under their own brand using Asaas infrastructure. Covers payment creation, recurring billing, antifraud, invoice automation, and receivables anticipation, all with the partner's branding and visual identity. Includes subaccount creation, split payments, escrow accounts, and KYC compliance.
• Conta Digital Asaas (PJ Digital Account) Free digital business account (PJ) with no monthly fee. Includes 30 free monthly Pix transfers, free bill payment, free Asaas Card issuance with no annual fee, and receivables anticipation. The account serves as the financial hub connecting all other Asaas services.
• Asaas Tap Feature that transforms a smartphone into a contactless card terminal (POS) using NFC. Accepts tap-to-pay credit and debit card payments directly via the Asaas app without renting physical POS hardware. Includes zero-fee receivables anticipation for same-day credit card sales.
• Cart\u00e3o Asaas (Mastercard) Physical and virtual Mastercard debit card linked to the Asaas digital account balance. Allows purchases online and offline, ATM withdrawals at the Banco24Horas network, and subscription registrations. No annual fee for PJ clients.
• Pix Asaas Instant payment method via Pix integrated into Asaas billing. Supports dynamic QR codes for real-time payment, Pix for recurring charges, and instant settlement within 10 seconds (24/7). Includes Pix Autom\u00e1tico for recurring payment authorizations.
• Cobran\u00e7a por Cart\u00e3o (Credit/Debit Card Processing) Credit and debit card payment processing for online and in-person sales. Supports installment plans up to 21 times without interest, one-time charges, and recurring subscriptions. Covers Visa, Mastercard, Elo, Discover, Amex, and Hipercard brands.
• Boleto Banc\u00e1rio Asaas Bank slip (boleto) issuance for payment collection, including boleto with integrated Pix QR code for instant settlement. Supports one-time, installment, and recurring boleto billing. Free issuance with transaction fee charged only upon payment.
• Link de Pagamento Shareable payment link enabling customers to choose their preferred payment method (Pix, credit card, or boleto). Can be shared via social media, websites, or messaging apps. Supports interest, fine, and discount configuration.
• Antecipa\u00e7\u00e3o de Receb\u00edveis (Receivables Anticipation) Receivables anticipation (early payment) service allowing merchants to receive outstanding card and boleto payments in advance. Credit card anticipation from 1.25%/month; boleto from 5.79%/month. Zero-fee anticipation for Asaas Tap credit sales. No IOF tax charged.
• Base ERP Free cloud-based ERP system for micro and small businesses covering sales orders, inventory management, purchase orders, financial management, and fiscal control. No monthly fee; unlimited users and data storage. Integrates natively with Asaas billing, receivables, and collection features.
• Code Money (Digital Wallet / BNPL) Digital wallet and Buy Now, Pay Later (BNPL) solution acquired in 2021. Expanded Asaas's service offerings to include financing of receivables and wallet-based financial management. Code Money's founders were integrated into the Asaas team.
• Mutuus by Asaas (Insurance Distribution) Digital corporate insurance broker (formerly Mutuus Seguros, founded 2018 in Canoas, RS) acquired by Asaas. Operates independently within the Asaas ecosystem providing business insurance products to Asaas's SME client base.
• Helena CRM Conversational CRM provider acquired for $29M in June 2026 (Asaas's largest acquisition to date). Provides customer acquisition and demand generation capabilities. Operates independently through 2028 before full platform integration in 2029.
• Nexinvoice Invoice automation startup acquired in 2024, expanding Asaas's capabilities in financial document management and accounts payable/receivable processing.
• Sandbox Environment Full testing environment mirroring the production Asaas system. Allows developers to simulate payment creation, webhook delivery, and all API features without real financial transactions. Separate sandbox account creation available at sandbox.asaas.com.

Quantifiable outcome

• Automated collection notifications reduce default/inadimplência rates by approximately 80%
• +6 more outcomes

Named customers23 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature10 records

Partnerships

23 partnerships are on record, tiered flagship, supporting, major and core.

• Helena CRMflagshipStrategic or Co-development Partner · 9 June 2026Asaas acquired conversational CRM provider Helena CRM for $29 million in June 2026. This is Asaas's largest acquisition to date and second transaction in 2026. Helena will operate independently through 2028 before full integration in 2029. 35% of Helena's 500 partners were already using Asaas, creating cross-selling opportunities.
• Mutuus (acquired, operates as Mutuus by Asaas)flagshipStrategic or Co-development Partner · 4 February 2026Asaas acquired Brazilian digital insurance broker Mutuus in February 2026. Mutuus continues to operate independently as 'Mutuus by Asaas,' adding insurance distribution as a new vertical. The acquisition gives Asaas's 240,000+ clients access to business insurance products integrated into the platform. Deal facilitated by M&A boutique Questsum.
• QuestsumsupportingImplementation/ SI/ Consulting Partner · 4 February 2026M&A boutique that facilitated the acquisition of Mutuus by Asaas. Questsum acted as advisor connecting Asaas with Mutuus for the transaction.
• EndeavorsupportingStrategic or Co-development Partner · 1 January 2024Endeavor is a global nonprofit supporting high-impact entrepreneurs. Asaas's association with Endeavor provides access to mentorship, networks, and international expansion support.
• Code MoneymajorStrategic or Co-development Partner · 15 September 2021Asaas acquired Code Money in September 2021, a startup offering digital wallet solutions. The acquisition enabled Asaas to expand into BNPL (Buy Now, Pay Later) services and receivables financing. Code Money's founders were integrated into the Asaas team.
• Base ERPflagshipStrategic or Co-development Partner · 1 January 2021Asaas acquired Base ERP in 2021, integrating a free cloud-based ERP system into its platform. Base ERP provides inventory management, sales orders, financial management, and fiscal control. The product is now branded as 'Base by Asaas' and enables a complete financial and operational management solution.
• ShopifycoreTechnology or IntegrationPre-built plugin integration enabling Shopify merchants to accept payments via Asaas. Supports Pix, boleto, and credit card payments directly within Shopify stores.
• WooCommercecoreTechnology or IntegrationOfficial WooCommerce plugin enabling Asaas payment acceptance for WordPress-based e-commerce sites. Supports split payments and all payment methods (Pix, boleto, card).
• MagentosupportingTechnology or IntegrationOfficial Magento module for Asaas payment integration, enabling Magento e-commerce merchants to use Asaas as their payment gateway.
• NuvemshopcoreTechnology or IntegrationIntegration with Nuvemshop, a major Latin American e-commerce platform. Enables seamless Asaas payment acceptance for Nuvemshop merchants.
• PlugasupportingTechnology or IntegrationNo-code automation platform (iPaaS) providing Asaas integrations for users without technical resources. Enables workflows between Asaas and other business tools.
• Make (formerly Integromat)supportingTechnology or IntegrationVisual automation platform offering pre-built Asaas integration templates. Users can automate workflows between Asaas and other business applications without code.
• IXC SoftsupportingTechnology or IntegrationTechnology integration partner offering Asaas-powered payment solutions to its customer base.
• Digital Manager GurusupportingTechnology or IntegrationDigital Manager Guru is an integration partner that combines Asaas payment infrastructure with financial management capabilities for their customers.
• Cubo ItaúsupportingStrategic or Co-development PartnerCubo Itaú is a major Brazilian fintech hub and innovation center backed by Itaú Unibanco. Asaas's association positions it within the elite Brazilian fintech ecosystem.
• ABStartupssupportingStrategic or Co-development PartnerBrazilian Association of Startups - strategic partner providing Asaas access to the startup ecosystem community and potential portfolio companies.
• SEBRAEsupportingStrategic or Co-development PartnerSEBRAE (Brazilian Support Service for Micro and Small Enterprises) is a strategic partner providing visibility and credibility with Brazil's SME ecosystem. SEBRAE-logo appears among Asaas customer logos.
• AstellasupportingStrategic or Co-development PartnerAstella is a Brazilian venture capital and innovation firm. Listed as an ecosystem partner in Asaas's partner program.
• WOBA CoworkingsupportingOthersPartnership with WOBA coworking network enabling Asaas employees to use co-working spaces throughout Brazil as part of their remote work benefits.
• NexInvoicemajorStrategic or Co-development PartnerAsaas acquired NexInvoice in 2024 as part of its M&A strategy to build a comprehensive financial ecosystem for Brazilian SMEs. This acquisition expanded Asaas's invoicing and financial automation capabilities.
• SerasacoreTechnology or IntegrationSerasa is Brazil's largest credit bureau. Asaas integrates with Serasa for real-time credit score checks, allowing businesses to consult customer risk profiles before closing sales. Asaas also offers Serasa-based debt collection (negativação) as part of its collection management tools.
• Neon (fintech health)supportingOthersNeon is a Brazilian fintech that partners with Asaas to provide financial health services (financial education and well-being support) to Asaas employees as part of their employee benefits package.
• ZenklubsupportingOthersZenklub is a Brazilian wellness platform providing free therapy and nutrition sessions (4 per month) for Asaas employees as part of their health and well-being benefits.

Scale indicators16 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PagBank (PagSeguro): PagBank is a Brazilian digital account plus full-stack payments and acquiring platform serving SMEs with Pix, card, boleto, and POS. It directly competes with Asaas in the SMB payment acceptance and digital account segment in Brazil.
• Pagar.me: Pagar.me is a Brazilian payment gateway owned by Stone, offering Pix, card, boleto, and subscription billing to online merchants and platforms. It is a direct peer to Asaas in the developer-led, multi-method payment processing segment.
• EBANX: EBANX is a cross-border LatAm payments platform connecting global merchants to Brazilian consumers via Pix, card, and boleto. It is comparable to Asaas for its multi-method payment processing and developer/API-first approach for the Brazilian market.
• iugu: iugu is a Brazilian payment and subscription management platform offering Pix, card, boleto, and recurring billing via API. It is a direct peer to Asaas in serving SaaS and digital businesses with multi-method payment infrastructure.
• Pomelo: Pomelo is a LatAm BaaS/embedded finance platform providing card issuing, accounts, and payment infrastructure to fintechs and banks. It is comparable to Asaas for its BaaS, white-label, and API-first distribution model serving LatAm.
• Vindi: Vindi is a Brazilian recurring billing and payment platform serving SaaS and subscription businesses with Pix, card, and boleto via API. It is a direct peer to Asaas in the multi-method payment processing and developer-first segment.
• Zoop: Zoop is a Brazilian BaaS/embedded finance platform enabling marketplaces, ERPs, and fintechs to offer payments and financial services under their own brand. It is a direct peer to Asaas for white-label, subaccounts, and split-payments capabilities.

Broad incumbents

• Stone Co. Stone is a major Brazilian payments acquirer and digital banking provider serving merchants and SMEs with POS, accounts, and credit. It is a broader incumbent offering payment processing alongside financial services, overlapping with Asaas on merchant acquiring and SME banking.
• Mercado Pago: Mercado Pago is the payments and digital account arm of Mercado Libre, offering Pix, card processing, POS, and credit to Brazilian consumers and merchants. It is a broad incumbent with massive scale competing across Asaas's segments.
• Cielo: Cielo is Brazil's largest card acquirer, providing payment processing to merchants of all sizes via POS and e-commerce. It is a broad incumbent overlapping with Asaas on card payment acceptance and merchant services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/asaasbrasil/mycompany
• Instagraminstagram.com/asaas.carreiras
• TikToktiktok.com/@asaasreal
• Xx.com/asaasbrasil

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 records

Funding overview

Funding rounds11 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ASAAS