What isaac does

isaac is a Brazil-based financial technology platform that provides tuition collection, financial management, and guaranteed payout services to private educational institutions. The company operates two interconnected products: Plataforma Meu Arco for schools, which delivers cash visibility, per-student reporting, enrollment analytics, and family satisfaction tracking; and Meu Arco for families, a digital channel through which parents and guardians view tuition status and pay via Pix, boleto, or credit card. Add-on modules extend the platform into digital secretariat (Secretaria Digitalizada), delinquency management (Gest\u00e3o de Inadimpl\u00eancia), guaranteed monthly payouts (Seguran\u00e7a Financeira), and growth and credit solutions (Solu\u00e7\u00f5es em Crescimento), the last of which is enabled by isaac's status as a banking correspondent of QI Tech for CCB operations.

The underlying architecture is cloud-based and centered on payment orchestration, receivables management, and family-facing communication rather than on AI or machine learning. Revenue is generated through recurring subscription fees paid by educational institutions, transaction-based fees on family payments processed via Pix, boleto, and credit card, and an emerging share from credit and insurance products distributed through partners QI Tech and Porto. The company claims 2,500+ partner institutions, 700,000+ students under management, and over R$7 billion in guaranteed tuition flows, making it the largest dedicated educational financial management platform in Brazil by its own description.

Since 2023 isaac has operated as a subsidiary of Arco Educa\u00e7\u00e3o, following Arco's acquisition of the company, with prior growth capital coming from a $125 million round led by General Atlantic in November 2021 (with Kaszek and SOFTBANK Latin America Ventures) and a subsequent investment from Google for Startups in June 2022. Go-to-market is primarily direct enterprise sales targeting private K-12 and higher education institutions across Brazil, supplemented by event presence (Bett Show Brazil), PR in major Brazilian business media, social media, and a referral channel that contributes more than 50% of new customers.

Name

isaac

Legal name

isaac

Website

https://olaisaac.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Short description

isaac is a Brazil-based fintech platform providing tuition collection, guaranteed monthly payouts, and financial management to over 2,500 private K-12 and higher education institutions, serving more than 700,000 students and processing R$7 billion in guaranteed tuition flows via its school and family-facing Meu Arco platforms.

Ownership category

akta.pro rank

Product category

Education Financial Management Software

NAICS

Educational Support Services (6117), Educational Support Services (611710), Credit Bureaus (561450)

SIC

Services-Educational Services (8200), Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

School ERP: Finance, Procurement & Budgeting (EDAFAEAC)

akta.pro secondary industries

Payments, Cashiering & Payment Plans (EDALAJAE), Revenue Cycle & Tuition Billing/Collections Support (Student Accounts BPO) (EDAEALAN)

Keywords

• School financial management
• Tuition collection software
• Education fintech
• Delinquency management
• Educational payment platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Financial Management Services for Schools: Recurring platform fees for financial management, payment processing, and delinquency management services provided to private educational institutions. Schools receive guaranteed monthly tuition payments regardless of payment delays by families.
2. Payment Processing: Transaction-based revenue from processing payments made via Pix, boleto, and credit card through the Meu Arco platform for families.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

isaac is a cloud-based financial management platform for private educational institutions in Brazil that guarantees schools receive monthly tuition payments regardless of family payment delays. The platform combines an institutional dashboard (Plataforma Meu Arco) for cash visibility, reporting, and enrollment analytics with a family-facing app (Meu Arco) for digital tuition payments, plus delinquency management, digital secretariat, and growth/credit solutions. It operates as a banking correspondent of QI Tech to provide credit to schools via CCB operations.

Product overview

isaac is a platform-plus-modules architecture serving as the largest financial management solution for Brazilian educational institutions. The core isaac Platform serves schools with cash visibility, reporting, and revenue guarantee, while the Meu Arco family portal enables parents to track and pay tuition. Four integrated modules extend the platform: Secretaria Digitalizada (digital secretariat), Gestão de Inadimplência (delinquency management), Segurança Financeira (monthly payment guarantee), and Soluções em Crescimento (growth and credit solutions). The platform covers both Basic Education and Higher Education segments.

Differentiator

Problem solved

Functional benefit

Brands

• Meu Arco: Platform for families to manage tuition payments and track payment status
• Plataforma Meu Arco

Products and services

• Plataforma Meu Arco (for schools) Cloud-based dashboard for educational institutions providing real-time cash visibility, detailed per-student charge and payment reports, enrollment performance monitoring, and family satisfaction tracking, designed to give schools financial control and predictability.
• Meu Arco (app for families) Mobile and web application for parents and guardians to monitor tuition payment status, make payments via Pix, bank slip (boleto), or credit card, and negotiate pending payments directly with the isaac support team.
• Secretaria Digitalizada (Digital Secretariat) Digital secretariat service that streamlines administrative and financial workflows for schools, allowing them to focus on their educational mission while isaac handles financial and operational processes.
• Gestão de Inadimplência (Delinquency Management) Service that helps schools recover unpaid tuition without bureaucracy, including outreach to guardians by isaac's support team for negotiations, special payment arrangements, and installment plans, with extended support hours including weekends.
• Segurança Financeira (Financial Security) Financial guarantee service that ensures schools receive tuition payments on the agreed date every month regardless of family payment delays, providing predictability and security for institutional cash flow.
• Soluções em Crescimento (Growth Solutions) Growth and credit solutions ecosystem for schools including credit options for investment and succession planning support, leveraging isaac's banking correspondent relationship with QI Tech for CCB operations.

Quantifiable outcome

• 2,500+ educational institutions served
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• ArcocoreStrategic or Co-development PartnerParent company/group that owns isaac. Arco platform operates the largest educational financial management ecosystem in Brazil. isaac operates as part of the Arco group, benefiting from shared resources, brand recognition, and strategic direction.
• QI Tech (QI Sociedade de Crédito Direto S.A.)coreStrategic or Co-development Partnerisaac operates as a banking correspondent for QI Tech, enabling CCB (cédula de crédito bancário) operations and providing credit solutions to educational institutions. QI Tech is a licensed credit company (CNPJ 32.402.502/0001-35).
• PortominorStrategic or Co-development PartnerPartnership for student insurance products, providing integrated insurance solutions for educational institution clients and their students.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Meritt: Brazilian EdTech offering financial management and tuition collection solutions for private schools. Direct competitor to isaac in the same customer segment with similar payment collection and delinquency management capabilities.

Broad incumbents

• Arco Educação: isaac's parent company and broader Brazilian K-12 education conglomerate. Operates a wider portfolio including content, tutoring, and school systems, with isaac as its financial management and payments layer.
• PowerSchool: Large US-listed K-12 education technology platform providing student information systems and school administration software. Comparable in serving schools with operational and financial modules, though focused on the North American market.
• Blackbaud: US-listed software provider for the education and nonprofit sectors, including tuition management, payment processing, and school ERP functionality. Comparable enterprise software stack for schools at greater scale in international markets.
• Skyward (Education Logistics): US-based student information system and school ERP provider serving K-12 districts. Comparable as a SIS/school administration software peer, though operating in a different geography without isaac's tuition guarantee product.
• Infinite Campus: US K-12 student information system vendor with finance, enrollment, and operations modules. Comparable in providing school ERP functionality, especially the financial administration layer similar to isaac's core platform.

Regional players

• Conta Azul: Brazilian SaaS financial management platform targeting SMBs. Comparable in cloud-based financial management for businesses but not specialized in the education vertical that isaac dominates.
• Vindi: Brazilian recurring billing and payment processing platform. Comparable as payment infrastructure for Brazilian subscription businesses, including schools, but lacking isaac's education-specific financial management and tuition guarantee layer.

Emerging players

• Pomelo: Latin American fintech infrastructure provider offering banking-as-a-service and card issuance. Comparable as a regional fintech enabling embedded financial services, but focuses on a different customer base than schools.

Others

• QI Tech: Brazilian direct credit company (CNPJ 32.402.502/0001-35) for which isaac operates as a banking correspondent. A partner rather than competitor, but a comparable Brazilian fintech in the embedded credit space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/isaaceducacao
• Facebookfacebook.com/isaac.futuro
• LinkedInlinkedin.com/company/isaaceducacao/mycompany/verification
• Instagraminstagram.com/isaaceducacao

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds5 records

Investors7 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 isaac