Cashea
Cashea is a Venezuelan Buy Now, Pay Later (BNPL) platform serving credit-underserved consumers with 0% interest installments via a mobile app at 3,500+ partner stores, using QR-based in-store payments, merchant transaction fees, and a tiered loyalty program.
- Company typePrivate
- Founded2022
- HeadquartersCaracas, Venezuela
- Headcount501–1,000
- GTM typeB2C
- OfferingSoftware
What Cashea does
Cashea is a Venezuelan Buy Now, Pay Later (BNPL) platform founded in 2022 and headquartered in Caracas. It operates as Grupo Cashea VE, C.A. and serves credit-underserved Venezuelan consumers who lack access to traditional credit cards, offering 0% interest installment purchases at 3,500+ partner stores and integrated e-commerce platforms. The product is delivered through a mobile-first app (iOS and Android) with QR-based in-store payments, pre-approved credit lines issued in under three minutes, and tiered loyalty through Club Cashea Más.
The core product architecture comprises a pre-approval credit engine, a QR-code payment layer for physical retail, and online checkout integrations with merchants such as Yummy, RIDS, SoyTechno, and SambilOnline. Complementary products extend the core proposition: Modo Más Cuotas enables up to 15 interest-free installments for larger online purchases, while Línea Cotidiana provides a short-cycle daily-spending line for supermarkets and pharmacies. Merchant partners access a dedicated web portal (Portal Web de Aliados) for order and shipment management. The company also operates the Generación Impulso CSR program with Kurios Education to deliver STEM education to over 7,500 Venezuelan students.
Cashea's business model is a transactional take-rate on merchant payments, with the platform absorbing consumer credit risk and collections while merchants receive full upfront settlement at a discount. Consumer pricing is 0% interest, and merchant activation is incentivized through a 50% fee discount. Distribution is single-country domestic, focused entirely on Venezuela across all major retail categories. Early backers include Epakon Capital affiliates (Vicente Zavarce and Diego Salas), with disclosed funding rounds totaling approximately $2.05M across 2022, 2023, and 2025, the most recent being $750K from Alpine Venture Capital.
Cashea firmographics
Firmographics- Name
- Cashea
- Legal name
- Grupo Cashea VE, C.A.
- Website
- https://cashea.app
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Cashea is a Venezuelan Buy Now, Pay Later (BNPL) platform serving credit-underserved consumers with 0% interest installments via a mobile app at 3,500+ partner stores, using QR-based in-store payments, merchant transaction fees, and a tiered loyalty program.
- Ownership category
- akta.pro rank
Cashea industry classification
Industry- Product category
- Buy Now Pay Later (Consumer Lending)
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)
- akta.pro secondary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where Cashea is headquartered
LocationHeadquarters
- HQ city
- Caracas
- HQ country
- Venezuela
- HQ region
- Latin America
Offices1 record
Markets served
Cashea business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Merchant Transaction Fees: Cashea charges merchants a fee for processing BNPL transactions. The company bears the credit risk and handles collections while merchants receive full payment upfront. This is the primary revenue stream supporting the 0% interest consumer proposition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Consumer BNPL - Standard 3-Cuota Plan |
| Transaction based/ take rate | Pay-as-you-go | Consumer BNPL - Modo Más Cuotas Extended Plan |
| Transaction based/ take rate | Pay-as-you-go | Consumer BNPL - Línea Cotidiana Daily Plan |
| Other | Pay-as-you-go | Club Cashea Más Loyalty Tiers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Cashea product offering
Product offeringCore offering
Cashea is a Buy Now, Pay Later (BNPL) platform that provides interest-free installment financing to Venezuelan consumers through a mobile application. Users register, receive pre-approved purchase credit lines within 3 minutes, and pay at over 3,500 partner retail stores via QR codes in physical locations or through online checkout integrations on partner e-commerce sites. The standard plan offers an initial payment plus equal biweekly installments, with extended options of up to 15 interest-free installments via the app, and a daily-use credit line for supermarkets and pharmacies.
Product overview
Cashea is a Buy Now, Pay Later (BNPL) fintech platform operating primarily in Venezuela. Its core offering is an interest-free installment payment service accessible via a mobile app (iOS/Android) and partner merchant websites. The platform is anchored by the main Cashea BNPL product, which enables 0% interest purchases with a down payment plus biweekly installments. It extends this with several modules: Modo Más Cuotas (6–15 installment option), Línea Cotidiana (daily-use credit for supermarkets/pharmacies), and Club Cashea Más (tiered loyalty/rewards program). Users can pay in-store via QR code or online through integrated merchant portals (Yummy, RIDS, SoyTechno, SambilOnline). For merchant partners, Cashea offers a web portal for order and shipment management. The company also operates a CSR educational program, Generación Impulso, focused on STEM education for Venezuelan youth.
Differentiator
Problem solved
Functional benefit
Brands
- Club Cashea Más: A loyalty rewards program where users earn points for responsible purchases to increase their purchase limits and access new benefits.
- Línea Cotidiana
- Modo Más Cuotas
- Generación Impulso
Products and services
- Cashea BNPL Platform Mobile-first Buy Now, Pay Later platform enabling Venezuelan consumers to purchase goods at 3,500+ partner merchants with 0% interest installments. Users register in the iOS/Android app, receive pre-approved credit lines within 3 minutes, and pay via QR code in physical stores or through online checkout on partner e-commerce platforms. The standard plan is an initial payment plus 3 equal biweekly installments; online purchases can be split into up to 15 interest-free installments; and a daily-use Línea Cotidiana covers supermarkets and pharmacies with 1 initial payment plus 1 installment in 14 days.
- Portal Web de Aliados (Merchant Partner Portal)
Quantifiable outcome
- Partner merchants experience +20% sales increase
- +3 more outcomes
Companies that use Cashea
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles2 records
Cashea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Cashea partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered supporting and core.
- OneSignalsupportingOneSignal provides Cashea's customer engagement infrastructure including push notifications for payment reminders, promotional alerts, and real-time user experience features. Cashea won OneSignal's 2025 Customer Engagement Award recognizing innovative engagement strategies.
- MastercardsupportingMastercard was mentioned at the Startup Venezuela Summit 2025 as building digital commerce infrastructure in Venezuela, which supports the digital payment ecosystem that Cashea operates within.
- EndeavorsupportingEndeavor selected Cashea for its ScaleUp 2024 program, which supports high-impact tech founders in Latin America with personalized growth plans and access to strategic partners. The program requires participants to operate in multiple markets, demonstrate competitive advantage, and have at least $1 million in annual revenue.
- Kurios EducationcoreKurios Education is the implementing partner for Cashea's Generación Impulso social impact program. The partnership delivers technology and robotics education (STEM: robotics, electronics, programming) to over 7500 students aged 6-18 in underserved Venezuelan communities through in-person and virtual workshops, with a goal of training 300+ highly qualified teachers.
- YummycoreYummy is a super-app processing 30M+ orders and serves as an e-commerce platform where Cashea is integrated as a BNPL payment option. Users can select Cashea at checkout to pay in interest-free installments.
- SambilOnlinesupportingSambilOnline is a shopping mall e-commerce platform integrated with Cashea, allowing users to purchase products with installment payment options.
- SoyTechnosupportingSoyTechno is a technology retail chain operating in Caracas and Lechería that accepts Cashea payments both online and at physical store locations.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Cashea competitors and assessment
Company assessmentDirect peers
- Aplazo: Mexico-based BNPL focused on point-of-sale installment payments at retail merchants, offering a 0% interest consumer proposition analogous to Cashea's core product.
- Kueski: Mexico-based BNPL and online consumer lender serving underbanked consumers with short-term installment credit, the closest comparable to Cashea in the Latam BNPL-for-underserved-markets category.
- Addi: Colombia-headquartered BNPL platform operating across Latin America with merchant-integrated checkout and in-store QR payment flows similar to Cashea, serving credit-underserved Latam consumers.
- Nelo: Mexico-based BNPL startup providing consumer credit lines and installment payments at partner merchants, directly comparable in target customer and product structure to Cashea.
- Provu: Brazilian BNPL fintech offering point-of-sale installments for underserved Brazilian consumers at retail merchants, comparable in serving credit-underserved Latam populations with merchant-integrated installment products.
Emerging players
- Stori: Mexico-based credit card fintech serving underbanked consumers with mass-market credit products; comparable customer base to Cashea though it issues cards rather than pure BNPL installments.
Broad incumbents
- Klarna: Global BNPL incumbent operating across multiple geographies with merchant-integrated checkout; broader and more established than Cashea but operates the same core installment-payment product model.
- Affirm: US-listed BNPL platform offering merchant-integrated installment payments at point of sale; represents the scaled, public-market version of the BNPL model Cashea operates for Venezuelan consumers.
- Mercado Pago: Latin America's dominant digital payments and credit platform embedded in Mercado Libre's marketplace, offering BNPL-style installments across the region — a broad incumbent that could expand into Cashea's Venezuelan territory.
- Zip: Global BNPL incumbent with operations across multiple geographies offering installment credit at point of sale; comparable business model and target merchant categories to Cashea, though at much greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cashea social profiles
Digital presenceCashea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cashea leadership team
Management profileNumber of profiles
Profiles1 record
Cashea funding detail
Funding detailFunding overview
Funding rounds7 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cashea M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cashea
What does Cashea do?
Cashea is a Buy Now, Pay Later (BNPL) platform that provides interest-free installment financing to Venezuelan consumers through a mobile application. Users register, receive pre-approved purchase credit lines within 3 minutes, and pay at over 3,500 partner retail stores via QR codes in physical locations or through online checkout integrations on partner e-commerce sites. The standard plan offers an initial payment plus equal biweekly installments, with extended options of up to 15 interest-free installments via the app, and a daily-use credit line for supermarkets and pharmacies.
Is Cashea a public or private company?
Cashea is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cashea founded?
Cashea was founded in 2022. It employs 501 to 1,000 people.
Where is Cashea based?
Cashea is headquartered in Caracas, Venezuela, in the Latin America region.
How does Cashea make money?
One revenue line is on record: merchant Transaction Fees.
Who are Cashea's main competitors?
Direct peers on record are Aplazo, Kueski, Addi, Nelo and Provu. Stori is listed as an emerging player. Broad incumbents are Klarna, Affirm, Mercado Pago and Zip.
Does Cashea have an API?
No public API is recorded for Cashea.
What industry is Cashea in?
Cashea's product category is Buy Now Pay Later (Consumer Lending). Its primary akta.pro industry code is FSAGAIAG, BNPL Consumer Apps & Wallets (Discovery, Management), with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 52222 and its SIC code is 6141.