What Remessa Online does

Remessa Online is a Brazilian digital cross-border payments and foreign exchange platform founded in 2016 (operating as Bee Tech Servi\u00edos de Tecnologia Ltda.) and headquartered in Barueri, S\u00e3o Paulo. The company operates as a Correspondente Cambial under Banco Top\u00e1zio S.A., regulated by the Banco Central do Brasil, and is part of the EBANX payments ecosystem. Its core platform enables individuals and businesses to send and receive international transfers, pay import/export invoices, settle international SaaS and service subscriptions, and receive foreign capital, with execution typically completed within one business day across 100+ destination countries.\n\nThe technology stack combines a self-serve web and mobile platform (iOS/Android) with PIX and TED rails, real-time currency conversion across 15+ currencies, IBAN generation, and SWIFT/BIC integration. Three API products \u2014 Corporate API, FXaaS, and Open Payments \u2014 expose this infrastructure programmatically to fintechs and enterprises, while a Partner Portal enables B2B2C white-label distribution. The platform holds SOC 2 Type II certification and a Reclame Aqui RA1000 customer satisfaction badge, and offers specialized modules including Comex (import/export), Remessa Pay (international invoices), Remessa Online for Creators, Sempre\u00fanico (premium tier), and Conta Global (multicurrency spend in 175+ countries).\n\nRemessa Online earns revenue through a transaction-based take-rate model: a small administrative fee plus an FX spread on each transfer, with pricing tiered across Pessoa F\u00edsica (from 1.64% + R$39.90), Pessoa Jur\u00eddica (from 0.99% + R$16.90), creators (from 0.7%), and import payments (from 1.3%, with zero IOF). The company serves four primary customer segments \u2014 individuals, SMBs, content creators, and Brazilian startups receiving foreign investment \u2014 through a mix of direct-to-consumer self-serve, inside sales for SMB, API-led enterprise sales, and channel partners. Since inception, Remessa Online reports having served more than 350,000 customers and processed over R$11 billion in international transfers.

Name

Remessa Online

Legal name

Bee Tech Serviços de Tecnologia Ltda.

Website

https://remessaonline.com.br

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

Remessa Online is a Brazilian digital cross-border payments and FX platform serving individuals, SMBs, content creators, and startups, operating as a Banco Central-regulated Correspondente Cambial under the EBANX ecosystem.

Ownership category

akta.pro rank

Product category

Cross-Border Money Transfer and Currency Exchange

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Miscellaneous Intermediation (523910)

SIC

Short-Term Business Credit Institutions (6153), National Commercial Banks (6021)

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Consumer P2P International Remittances (FSAGAKAA), Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• International money transfers
• Cross-border payments
• Currency exchange services
• Import export payments
• Fintech remittance platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction / Transfer Fees: Remessa Online charges a transaction fee (taxa administrativa) on each international transfer. The fee varies by customer type and transaction volume. For Pessoa Física (individuals), fees start around 1.64% plus fixed tariff; for Pessoa Jurídica (businesses), costs start at 0.99% plus R$16.90 tariff; for creators receiving from platforms, costs start at 0.7%. Higher-value transfers receive lower percentage rates.
2. Foreign Exchange Spread: Revenue generated from the spread between commercial exchange rates and the rates offered to customers. Remessa uses commercial exchange rates rather than tourism rates, offering better rates than traditional banks while capturing spread on each transaction.
3. Remessa Pay - Invoice Payments: Revenue from processing international invoice payments for software subscriptions, consulting services, and other international payables, with fees up to 5% cheaper than credit cards and traditional banks.

Pricing tiers

Go-to-market motion5 records

Distribution channels4 records

Marketing channels6 records

Core offering

Remessa Online is a Brazilian digital fintech platform that enables international money transfers and currency exchange between Brazil and more than 100 countries, serving both individuals (Pessoa Física) and businesses (Pessoa Jurídica) via a 100% digital web and mobile interface. It offers specialized solutions for import/export payments (Comex), international software and services payments (Remessa Pay), content creator receipts from platforms (for Creators), startup foreign investment receipts, premium high-value transfers (Sempreúnico), a global travel card (Conta Global), and APIs (Corporate API, FXaaS, Open Payments) for enterprise integration. Revenue is generated through transaction fees and foreign exchange spreads at rates up to 60% lower than traditional banks.

Product overview

Remessa Online is a Brazilian digital fintech platform offering international money transfers and currency exchange services through a unified platform accessible via web and mobile app. The core Remessa Online platform handles standard international transfers for individuals and businesses, supported by specialized modules including Comex for import/export transactions, Remessa Pay for international software payments, Remessa Online for Creators for content creator payments, and SempreÚnico for premium high-value clients. Additional tools include the Conta Global travel card, Invoice Generator, SWIFT/BIC lookup, currency exchange rate pages, and a Partner Portal for business partners. The company also provides Corporate API, FXaaS, and Open Payments API products for developers and businesses seeking programmatic access to international transfer services.

Differentiator

Problem solved

Functional benefit

Brands

• SempreÚnico Remessa: Premium service for high-value international transactions with exclusive benefits and dedicated customer service
• Conta Global Remessa

Products and services

• Remessa Online (Core Platform) A Brazilian digital platform enabling international money transfers and currency exchange for individuals (Pessoa Física) and businesses (Pessoa Jurídica), accessible via web and mobile app, with transfers completed in 1 business day to more than 100 countries.
• Comex (Importação/Exportação) Specialized solution for paying import invoices and receiving export payments from foreign suppliers and buyers, with IOF zero and up to 60% lower fees than traditional banks or credit cards, supporting USD, EUR, GBP, AUD, CAD, CHF, JPY and other currencies.
• Remessa Pay Solution for paying international software subscriptions and services (e.g., AWS, HubSpot, Zendesk) with up to 7x more savings than traditional payment methods, limited to USD 10,000 or EUR 10,000 per transaction, with 2 business day processing.
• Remessa Online for Creators Dedicated service for Brazilian content creators to receive payments from YouTube, Meta, TikTok, Twitch, and Google AdSense with fees starting from 0.7% per transaction for individual creators and 0.99% + R$16.90 for creator companies.
• Sempreúnico Remessa Premium tier offering for high-value international transactions, providing exclusive benefits, dedicated customer service, and preferential rates for clients requiring large transfers.
• Conta Global (Cartão Global) Global account product for purchases, withdrawals, and payments during travel and studies in 175+ countries, offering 10% savings compared to traditional credit cards.
• Remessa Online for Startups Specialized solution for startups at any stage (Seed, Pre-Seed, Series A-C) receiving international investment, offering capital contributions, electronic declaration registrations (SCE-IED, SCE-CREDITO, CDNR), and dedicated consultancy for Banco Central compliance.
• Partner Portal (Portal dos Parceiros) Partner program allowing businesses to offer international transfer and currency exchange services to their own clients with flexible commission structures and white-label access, with implementation completed within 1 business day.
• Corporate API / FXaaS / Open Payments Three API products enabling programmatic access to Remessa's cross-border payment and FX capabilities: Corporate API for FX operations automation, FXaaS (FX-as-a-Service) for embedding real-time exchange rates into third-party platforms, and Open Payments for bulk cross-border payments to Brazil regulated by Banco Central.

Quantifiable outcome

• Up to 60% lower fees compared to banks or credit cards for import payments
• +5 more outcomes

Named customers3 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

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• EBANXcoreStrategic or Co-development PartnerEBANX is the parent company and strategic partner behind Remessa Online. EBANX is one of the largest payment systems globally, responsible for processing payments for major international brands such as Spotify, Uber, AliExpress, Airbnb, SHEIN, Sony, and others. Remessa Online leverages EBANX's infrastructure and market relationships to power its international transfer services.
• Banco Topázio S.A.coreTechnology or IntegrationRemessa Online operates as a Correspondente Cambial (Currency Exchange Correspondent) of Banco Topázio S.A., registered with and regulated by the Banco Central do Brasil. This partnership provides the regulatory banking license and infrastructure required to conduct authorized currency exchange operations in Brazil.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Western Union: Incumbent global remittance network with extensive cash-pickup and bank-deposit rails into Brazil. Competes with Remessa Online in consumer remittances but lacks the same digital-native, multi-product SMB and creator focus.
• PayPal (Xoom): Global digital payments platform with Xoom-branded cross-border remittance service into Brazil. Competes in the consumer remittance space and benefits from PayPal's broader consumer wallet ecosystem.
• MoneyGram: Global money transfer incumbent with a digital-first transformation strategy. Operates in the Brazil corridor as both a remittance receiver and a payout network, competing across consumer and SMB use cases.
• Inter & Co: Brazilian digital bank and super-app offering international accounts, FX, and investment products. Competes with Remessa Online on cross-border financial services for both consumers and businesses in Brazil.
• Nubank: Largest Brazilian neobank with a growing international account feature (NuCuenta global) and USD-receiving capabilities. Represents a significant competitor for cross-border flows and FX services targeted at Brazilian consumers and SMBs.

Others

• EBANX: Parent company and core Latin American payment processor. While EBANX primarily serves merchants rather than end consumers, its cross-border infrastructure underpins Remessa Online and the two share corridors and treasury logic.

Direct peers

• Remitly: Digital remittance platform with a strong focus on corridors into Latin America, including Brazil. Overlaps directly with Remessa Online's consumer P2P remittance business, especially for diaspora and content-creator inflows.
• Nomad: Brazilian digital account offering USD-denominated balances, international investments, and a global debit card. Directly comparable to Remessa Online's Conta Global product and competes for the same cross-border-oriented Brazilian consumer/SMB base.
• Wise: Global cross-border money transfer and multi-currency account specialist. Wise competes directly with Remessa Online in the USD/BRL corridor and offers multi-currency IBAN accounts analogous to Remessa's Conta Global product, serving both individuals and SMBs.

Emerging players

• Avenue Securities: Brazilian brokerage enabling investment in US markets with integrated FX/remittance functionality. Comparable for the specific 'send money abroad to invest' use case that Remessa Online also targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@RemessaOnline
• LinkedInlinkedin.com/company/remessaonline
• Instagraminstagram.com/remessaonline
• Xx.com/remessaonline
• Facebookfacebook.com/remessaonline

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds6 records

Investors6 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 Remessa Online