Ume

What Ume does

Ume is a Brazilian fintech founded in 2019 and headquartered in São Paulo that operates an embedded credit and payments platform aimed at small and mid-sized merchants. The company enables SMBs to create, operate, and scale their own branded financial products — including a digital credit card (Cartão Digital), installment credit for large purchases (Super Compra), quick personal loans (Empréstimo Pessoal), and Pix-based Buy Now Pay Later — without building credit infrastructure in-house. Its platform handles end-to-end operations including credit policy and subscription, technology and infrastructure, customer support and collections, and capital leverage, allowing merchants to launch credit programs in under three months versus a typical 6-12 month internal build.

The underlying technology centers on Pix, Brazil's instant payment rail, integrated with credit bureau connectivity for risk assessment and a customizable financial product engine that lets merchants tailor products to their business profile, risk tolerance, and customer base. Ume distributes through its own website, mobile applications on iOS and Android, a retail store locator (lojasume.com.br), and a sales-led B2B motion that routes merchants to specialist contact via WhatsApp and forms. The company's revenue model combines transaction fees on BNPL purchases with recurring revenue from credit margin on the embedded lending products it powers, effectively capturing the interest economics that would otherwise flow to third-party lenders.

Ume has scaled to 6,000 SMB merchants reaching over 2 million registered consumers, with cumulative purchase volume exceeding R$500 million and consumer credit issued exceeding R$750 million. The company has raised approximately $40 million in equity across multiple rounds (including a $15M Series A led by PayPal Ventures in August 2024 and a $21M Series B co-led by Bewater and Valor Capital Group in September 2025), supplemented by a $20M debt facility from institutional creditors including Itaú and Verde Asset Management. The company reports that 85% of BNPL purchases come from repeat customers and that merchants using the platform see up to 50% sales increases.

Name

Ume

Legal name

Ume Desenvolvimento de Software Ltda.

Website

https://site.ume.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Ume is a Brazilian fintech that provides an embedded credit and Pix-based BNPL platform enabling small and mid-sized merchants to launch and operate their own branded digital card, installment credit, and personal loan products for their customers.

Ownership category

akta.pro rank

Product category

Embedded Finance Platform

NAICS

Sales Financing (52222), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), BNPL Card / Virtual Card Programs (FSAKACAC), BNPL Risk, Fraud & Identity (POS-Specific) (FSAGAIAH)

Keywords

• Embedded finance platform
• Buy now pay later
• Merchant credit services
• Pix payment infrastructure
• Digital lending platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. BNPL (Buy Now Pay Later) Transaction Fees: Ume generates revenue through transaction fees on BNPL purchases processed through its Pix-integrated platform. The company serves merchants by providing buy-now-pay-later capabilities to their customers, with 85% of purchases through the BNPL service coming from repeat customers, indicating strong recurring transaction economics.
2. Embedded Credit Products: Ume enables merchants to internalize credit gains by operating their own financial products (Digital Card with recurring credit limit, Super Purchase with transactional credit limit, Personal Loans) under the Ume umbrella, capturing the interest/credit margin that would otherwise go to third-party lenders.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Ume is a Pix-integrated embedded finance platform that enables Brazilian SMB merchants to create, operate, and scale their own branded financial products—digital credit cards (Cartão Digital), installment credit (Super Compra), personal loans (Empréstimo Pessoal), and Buy Now, Pay Later (BNPL). The platform delivers end-to-end credit operations including credit policy, subscription/underwriting, technology infrastructure, customer support, collections, and capital leverage, allowing merchants to launch credit products in under three months without building internal infrastructure.

Product overview

Ume is a merchant services platform and financial products enabler for SMBs in Brazil, offering a unified platform for financial products including Cartão Digital (recurring credit for everyday purchases), Super Compra (transactional credit for large purchases), Empréstimo Pessoal (quick personal loans), and BNPL services. The platform operates end-to-end financial products with credit policies, subscription management, technology infrastructure, customer support, and capital leverage capabilities. Merchants can internalize credit gains without operational complexity, with time to operationalization of up to 3 months.

Differentiator

Problem solved

Functional benefit

Brands

• Cartão Digital: Recurring credit limit for everyday purchases.
• Super Compra
• Empréstimo Pessoal

Products and services

• Cartão Digital (Digital Card) Recurring digital credit card product for everyday purchases, providing customers with a pre-approved recurring credit limit for day-to-day transactions at Ume-powered merchants.
• Super Compra Transactional installment credit product providing customers with higher credit capacity for large purchases, issued through Ume's merchant partner network.
• Empréstimo Pessoal (Personal Loan) Quick personal loan product that disburses funds directly into the customer's account, designed for rapid access to credit through the Ume platform.
• Buy Now, Pay Later (BNPL) via Pix Buy Now, Pay Later service running on Brazil's Pix instant payment rail, enabling customers to pay merchants over time and generating transaction fees for Ume.

Quantifiable outcome

• Up to 50% increase in sales for merchants using Ume's financial products
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Addi: Addi is a BNPL platform operating across Colombia and Brazil that partners with merchants to offer installment payments at checkout. Closely comparable business model (merchant-integrated BNPL), though Addi focuses more on retail checkout financing rather than SMB-issued branded credit products.
• Provu: Provu is a Brazilian online lender offering installment loans and BNPL-style credit to consumers through merchant and e-commerce partnerships. Comparable in offering merchant-distributed consumer credit, though more consumer-loan-centric than full embedded credit infrastructure.
• Koin: Koin is a Brazilian BNPL and embedded-credit provider enabling e-commerce merchants to offer installment payments without credit risk on their balance sheet. Direct competitor to Ume in merchant-integrated BNPL with a similar SMB target customer.
• Kredito: Kredito is a Brazilian fintech offering BNPL and working-capital credit products for small and mid-sized merchants, including digital storefronts and POS integrations. Closely comparable to Ume in serving SMB credit needs via Pix-integrated infrastructure.

Broad incumbents

• PagBank PagSeguro: PagBank/PagSeguro is a Brazilian merchant payments, banking and credit platform serving SMBs with acquiring, working capital and Pix-based accounts. Comparable as a full-stack merchant services platform with embedded credit, though at significantly larger scale.
• Nubank: Nubank is Brazil's largest digital bank, offering consumer credit cards, personal loans and overdraft to over 90M customers. Comparable as a scaled Brazilian consumer-credit platform, though Nubank is a full-stack bank rather than an embedded-finance-as-a-service provider.
• Mercado Pago: Mercado Pago is the merchant payments and credit arm of Mercado Livre, offering BNPL, point-of-sale credit and working capital loans to millions of Brazilian SMBs. Directly comparable to Ume in merchant-embedded credit, though at much larger scale and as part of a broader e-commerce/payments portfolio.
• Stone (StoneCo): StoneCo is one of Brazil's largest POS and merchant-acquiring providers, offering payments, banking and credit products (including working capital) to SMBs. Comparable in merchant credit distribution, though Stone's credit products are largely bank-led rather than merchant-branded.
• C6 Bank: C6 Bank is a Brazilian digital bank offering consumer credit cards, personal loans and business banking products. Comparable as a Brazilian consumer/SMB credit provider, though C6 operates as a full-stack bank rather than embedded-finance-as-a-service.

Regional players

• Aplazo: Aplazo is a BNPL platform operating in Mexico serving both online and offline merchants with installment payments. Comparable in merchant-integrated BNPL model, though Mexico-focused rather than Brazil, providing a LATAM comp on cross-border potential.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCMQgG_MEwlo0IgKRKk12dsQ
• Facebookfacebook.com/umebr
• LinkedInlinkedin.com/company/umebr
• Instagraminstagram.com/ume.br

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds15 records

Investors23 records

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

M&A

Investments

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

Frequently asked questions about Ume