Transfeera
Transfeera is a Brazilian B2B payment automation platform, authorized by the Banco Central do Brasil as a Nota A Payment Institution, that enables 1,200+ corporate clients to send and receive payments via Pix, TED, boleto, and QR Code through a web platform and REST API, with bank account validation and recurring Pix collection capabilities.
- Company typePrivate
- Founded2017
- HeadquartersJoinville, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Transfeera does
Transfeera (legal name: Transfeera Instituição de Pagamento S.A.) is a Brazilian B2B payment automation platform founded in 2017 in Joinville, Santa Catarina and currently headquartered in Curitiba, Paraná. The company operates a unified platform that enables Brazilian corporate clients (CNPJ holders) to send and receive payments via Pix, TED, boleto, and QR Code through both a web-based management interface and a developer-facing REST API. The core technology stack runs on Amazon AWS and Google Cloud infrastructure, with SSL 256-bit encryption, multi-factor authentication, Cloudflare WAF protection, and mTLS-secured API access. The company holds a Nota A designation as an authorized Payment Institution from the Banco Central do Brasil, has pursued direct Pix participation via SPI integration, and is certified to ISO 27001 and ISO 27701 standards.
The product suite includes core payment modules (Pague e Receba por Pix, Pix Automático, Receba/Pague Boleto, Link de Pagamentos), validation infrastructure (ContaCerta bank account and DICT Pix key validation), orchestration tools (Plataforma de Pagamentos, API de Pagamentos, Split de Pagamentos), and account management modules (Multicontas, Subcontas, Sistema para Bets). The proprietary ContaCerta validation engine combines micro-deposit verification with DICT Pix key directory lookups to reduce TED return rates; Banco Sim case data indicates a 70% reduction in TED returns after adoption. Revenue is generated through per-transaction fees (Pix cash-in, Pix cash-out, TED, boleto, QR Code), per-validation fees for ContaCerta, fees on unpaid dynamic QR Codes, and float income earned on client balances held in Conta Remunerada accounts. To date the platform has processed R$70+ billion across 90+ million transactions for 1,200+ corporate clients with reported 99.9% uptime.
Transfeera pursues an API-first, sales-assisted go-to-market motion targeting Brazilian mid-market and enterprise B2B clients. Distribution runs through a direct website lead-capture form (capturing CNPJ, payment volume, industry, and job title), a self-service developer portal with sandbox and documentation, and ecosystem participation via ABFintechs and ABO2O. The company raised a R$7 million (~US$1.3 million) seed round in January 2023 co-led by Honey Island Capital and 4UM Investimentos, with capital directed at expanding technology, product, and commercial teams following authorization as a payment initiator — a regulatory milestone that underpins the company's Open Finance strategy. Customers named in case studies include Squid, Interisk, Moneri, and Banco Sim.
Transfeera firmographics
Firmographics- Name
- Transfeera
- Legal name
- Transfeera Instituição de Pagamento S.A.
- Website
- https://transfeera.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Transfeera is a Brazilian B2B payment automation platform, authorized by the Banco Central do Brasil as a Nota A Payment Institution, that enables 1,200+ corporate clients to send and receive payments via Pix, TED, boleto, and QR Code through a web platform and REST API, with bank account validation and recurring Pix collection capabilities.
- Ownership category
- akta.pro rank
Transfeera industry classification
Industry- Product category
- B2B Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Cross-Border & FX Payments Platforms (BPAMAFAK)
- akta.pro secondary industries
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Card-Based Cross-Border Payments & FX Settlement (FSAMAIAD)
Keywords
Where Transfeera is headquartered
LocationHeadquarters
- HQ city
- Joinville
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Transfeera business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations, Others
Revenue model
- Transaction-based payment processing: Transfeera charges transaction fees for both outgoing (cash-out) and incoming (cash-in) payments via Pix, TED, boleto, and QR Code. Fees are applied per transaction and vary by payment method and channel (digital vs. physical boleto).
- Bank account validation services: Charges per account validated, whether through basic validation or micro-deposit validation (ContaCerta). Both successful and unsuccessful validation attempts are billed.
- QR Code and boleto issuance: Fees for QR Code dynamic issuance; if less than 50% of issued dynamic QR Codes are paid, a R$0.06 charge applies per unpaid QR Code.
- Account Remuneration (Conta Remunerada): Earned interest on client balances held in prepaid payment accounts, credited monthly on business days. Subject to Brazilian income tax withholding at source.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Enterprise / Custom Volume-Based |
| Transaction based/ take rate | Monthly | Transactional fees (Pix Cash-in) |
| Transaction based/ take rate | Monthly | Transactional fees (Pix Cash-out) |
| Unit Pricing | Monthly | QR Code / Boleto payment fees |
| Unit Pricing | Monthly | Account validation fees (ContaCerta) |
| Other | Monthly | Conta Remunerada (Yield Account) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
Transfeera product offering
Product offeringCore offering
Transfeera is a B2B payment automation platform licensed by the Brazilian Central Bank that enables companies to send, receive, and reconcile Pix, TED, and boleto payments at scale via REST APIs and a web-based management interface. The platform bundles bulk batch payments, bank account validation (ContaCerta), recurring Pix collections (Pix Automático), payment splitting, and multi-account management for franchises, marketplaces, and platforms operating in Brazil.
Product overview
Transfeera is a unified payment automation platform for B2B enterprises in Brazil, offering a comprehensive suite of payment solutions centered around Pix instant payments and boleto processing. The core platform consists of the web-based payment management interface and the developer-facing API product, which work together to enable batch payments, bank account validation, and payment automation. Add-on modules include Split de Pagamentos for revenue distribution, Multicontas for internal balance segregation, Subcontas for third-party account management, and Sistema para Bets for betting industry compliance. The ContaCerta product provides bank account validation as a standalone capability accessible via platform or API.
Differentiator
Problem solved
Functional benefit
Brands
- ContaCerta: Bank data validation solution that confirms if an account is real and can receive transfers, helping avoid chargebacks.
Products and services
- Pague e Receba por Pix Allows B2B customers to send and receive Pix payments via spreadsheet bulk import, QR code generation, and API integration, available 24/7 for batch corporate payment workflows.
- Pix Automático Automated recurring Pix charges with single customer authorization, functioning as a direct-debit equivalent built on Brazil's instant payments infrastructure, aimed at B2B companies with subscription or recurring billing needs.
- Receba por Boleto Boleto issuance solution with QR Code support enabling payment via barcode or Pix QR code, with API integration and configurable expiration dates, interest, and penalties for B2B receivables.
- Pague Boletos Batch boleto payment solution available via API or platform interface, with automated routines and immediate proof generation for corporate accounts payable operations.
- Link de Pagamentos Payment link solution enabling online sales via Pix or Boleto without requiring a physical card machine, targeted at B2B merchants needing frictionless remote collection.
- ContaCerta - Validação de Dados Bancários Bank account validation service that confirms whether an account is real and able to receive transfers, using DICT lookup and micro-deposit-based verification to prevent chargebacks, accessible via platform or API.
- Plataforma de Pagamentos Complete web-based payment management platform with bulk import via spreadsheet, intuitive interface, and centralized payments, receipts, and payment tracking for finance teams.
- API de Pagamentos
Quantifiable outcome
- 70% reduction in TED return rate
- +4 more outcomes
Companies that use Transfeera
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Transfeera technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Transfeera partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Amazon AWS (Amazon Web Services)coreCloud infrastructure provider used by Transfeera for data processing and storage, as disclosed in the company's LGPD Commitment document. AWS Privacy Notice is referenced as the governing privacy policy for this subprocessor relationship.
- Google CloudcoreCloud provider used by Transfeera as a subprocessor for data processing and storage, as disclosed in the company's LGPD Commitment document alongside Amazon AWS.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Transfeera competitors and assessment
Company assessmentDirect peers
- Asaas: Brazilian B2B payment-automation platform offering Pix, boleto, TED, account validation, and sub-account features for CNPJ clients — directly overlapping Transfeera's core product set and customer base.
- Pismo: Brazil-origin payment-processing and banking-core platform acquired by Visa, offering payment orchestration, PIX APIs, and multi-bank rails for financial institutions and fintechs — a direct competitor in B2B payment infrastructure.
- Vindi: Brazilian recurring-billing and payment platform supporting Pix, boleto, and credit-card payments via APIs — competes with Transfeera on payment automation for B2B and SaaS clients in Brazil.
- Dock: Brazilian payments processor providing issuing, acquiring, Pix, and banking-as-a-service infrastructure — overlaps with Transfeera on Pix processing and payment institution services for B2B clients.
- Celcoin: Brazilian payment institution offering Pix APIs, boleto, TED, account validation, and sub-account/BaaS features for fintechs and corporates — directly comparable to Transfeera's API-first B2B payment stack.
Emerging players
- Pluggy: Brazilian Open Finance aggregator offering account connectivity, payment initiation, and data APIs — overlaps with Transfeera's account-validation and Pix-initiation capabilities and represents a key Open Finance adjacency.
- Conta Azul: Brazilian SaaS platform for SMB financial management with embedded payments and banking features — competes with Transfeera for the B2B/CNPJ segment but is broader in scope (accounting + payments).
- InfinitePay: Brazilian digital account and payment-automation provider for SMEs, offering Pix, boleto, and account APIs — partially overlapping Transfeera's B2B CNPJ segment with a complementary SMB focus.
Broad incumbents
- Mercado Pago: MercadoLibre's Brazilian payments arm offering Pix, boleto, payment links, and checkout for SMBs and marketplaces — a broad incumbent with overlapping Pix/boleto payment-automation features for B2B clients.
- EBANX: Large cross-border and domestic LatAm payment processor — comparable to Transfeera as a payment institution serving Brazil, but broader in geographic and product scope (cross-border, APMs, payouts).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Transfeera social profiles
Digital presenceTransfeera compliance and trust
Trust signalCompliance4 records
Transfeera financial estimates
Financial estimateRevenue estimate
Valuation estimate
Transfeera leadership team
Management profileNumber of profiles
Profiles5 records
Transfeera funding detail
Funding detailFunding overview
Funding rounds3 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Transfeera 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 Transfeera
What does Transfeera do?
Transfeera is a B2B payment automation platform licensed by the Brazilian Central Bank that enables companies to send, receive, and reconcile Pix, TED, and boleto payments at scale via REST APIs and a web-based management interface. The platform bundles bulk batch payments, bank account validation (ContaCerta), recurring Pix collections (Pix Automático), payment splitting, and multi-account management for franchises, marketplaces, and platforms operating in Brazil.
Is Transfeera a public or private company?
Transfeera is a private company. It is classified as venture growth investor backed and is currently operating.
When was Transfeera founded?
Transfeera was founded in 2017. It employs 51 to 100 people.
Where is Transfeera based?
Transfeera is headquartered in Joinville, Brazil, in the Latin America region.
How does Transfeera make money?
Four revenue lines are on record. Transaction-based payment processing is the primary driver. The others are bank account validation services, QR Code and boleto issuance and account Remuneration (Conta Remunerada).
Who are Transfeera's main competitors?
Direct peers on record are Asaas, Pismo, Vindi, Dock and Celcoin. Emerging players are Pluggy, Conta Azul and InfinitePay. Broad incumbents are Mercado Pago and EBANX.
Does Transfeera have an API?
Yes. Transfeera offers a payment API that enables developers to integrate payment automation capabilities including Pix payments, bank account validation, batch transfers, boleto processing, and QR code generation. The API is documented at docs.transfeera.dev with SLA of 99.9% availability. A sandbox environment is available for testing. The API supports webhooks for real-time transaction notifications. Developer documentation is at docs.transfeera.dev/#.
What industry is Transfeera in?
Transfeera's product category is B2B Payment Processing. Its primary akta.pro industry code is BPAMAFAK, Cross-Border & FX Payments Platforms, with a secondary code of FSAMAFAB, A2A Payment Initiation Service Providers (PISPs). Its NAICS code is 52232.