Portão 3

What Portão 3 does

Portão 3 (P3) is a Brazilian fintech headquartered in Uberlândia, Minas Gerais, that operates a B2B corporate expense management platform built around prepaid Mastercard card issuance. The company serves 5,000+ corporate clients (CNPJs) and 400,000+ platform users with cumulative transaction volume above R$10 billion across 8 million+ cards issued. Its core offering is a multi-tier account architecture (Carteira/Wallet → Organização/Empresa → Realm) with granular role-based permissions, enabling SMBs to issue unlimited physical and virtual cards to employees, clients, or projects with per-category, per-time, and per-amount spending controls and real-time monitoring. The platform is delivered as a fully self-serve product with web and mobile onboarding completed in under two minutes.

The technology stack runs on a Banking-as-a-Service model through a licensed Brazilian payment institution authorized by Banco Central do Brasil, with Mastercard as the card network and native integration to Pix including Pix Automático (recurring instant payments) and MED chargeback. Security is enforced through mandatory multi-factor authentication (password, biometrics, OTP, video KYC, authenticator app). The platform has productized into four verticals: Gestão para Anúncios (ad-spend cards approved across Meta, Google, TikTok, and LinkedIn), Gestão de Combustível (fleet fuel cards accepted at all Brazilian gas stations without pump markup), Gestão de Cobranças/Pix Automático (automated recurring Pix billing), and the P3-VIP/Black Plan tiered cashback program with airport lounge access. ERP integration is supported for advertising ROI tracking and invoice reconciliation, though no public API is disclosed.

Portão 3 monetizes through a R$109.90/month standard subscription, a R$299.99 initial adhesion fee (credited toward first deposit), tiered P3-VIP monthly fees indexed to customer GTV, R$99/month Black Plan wallet maintenance fees, fuel card credit margins, and transaction fees. GTM is product-led and content-led: a 100+ article SEO blog targets digital marketers and infoprodutores, supplemented by Instagram organic and Meta paid social, customer testimonials on dedicated landing pages, and free resource kits as lead magnets. The company was accelerated in Silicon Valley twice, received Y Combinator backing in August 2021, and closed a R$19 million seed round led by Better Tomorrow Ventures in January 2023 with participation from Endeavor ScaleUp, Fin Capital, and Scale-Up Ventures. Operations have expanded from Brazil into Latin American markets as of April 2025.

Name

Portão 3

Legal name

PORTÃO 3 VIAGENS LTDA.

Website

https://portao3.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Portão 3 is a Brazilian fintech that provides SMBs with a corporate expense management platform built on unlimited prepaid Mastercard cards for digital advertising spend, fleet fuel purchases, and Pix Automático collections, serving 5,000+ companies across Brazil and Latin America.

Ownership category

akta.pro rank

Product category

Corporate Expense Management

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Corporate expense management
• Virtual prepaid cards
• Digital ad payments
• Fleet fuel management
• Pix automated collections

Headquarters

HQ city

Uberlândia

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Fees (Plano): Monthly subscription fees for platform access. Base plan at R$ 109.90/month (first charge after 30 days), with R$ 299.99 initial adhesion fee (credited to first deposit). Premium Black plan wallet option at R$ 99.00/month additional. Cashback P3-VIP program has tiered monthly fees based on GTV brackets.
2. Transaction and Card Fees: Fees associated with card issuance, replacements, and potentially transaction processing. Chargeback procedures available with documentation requirements per payment network rules.
3. Credit/Financing Services: Provides credit for fuel purchases with payment flexibility and grace periods. Fuel cards offer exclusive credit terms without pump markup premiums.
4. Cashback Program Fees: Monthly membership fees for P3-VIP cashback program, determined by client's GTV tier from the previous month. Non-cumulative with other promotions in most cases.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Portão 3 (P3) is a Brazilian fintech platform that enables companies to issue unlimited physical and virtual prepaid Mastercard cards, organize expenses across multi-wallet hierarchical structures, and process instant payments via Pix. The platform targets SMBs and digital marketing professionals with dedicated verticals for paid ad spend (Meta, Google, TikTok, LinkedIn), fleet fuel management, and automated Pix-based collections. Operates under a Banking-as-a-Service model with a licensed payment institution partner.

Product overview

Portão 3 (P3) is a Brazilian fintech offering a modular corporate financial management platform centered on unlimited physical and virtual prepaid card issuance, multi-wallet expense governance, and instant payment capabilities. The core platform is structured around three organizational layers — Carteiras (wallets), Organização/Empresa, and Realm (group of companies) — and supports four distinct product verticals: (1) Gestão para Anúncios, for managing paid media spend across Meta, Google, TikTok, and LinkedIn with no blocks and unlimited virtual cards; (2) Gestão de Combustível, for fleet fuel card management accepted at all Brazilian gas stations; (3) Gestão de Cobranças / Pix Automático, for automated Pix-based collections and recurring payments; and (4) Cashback P3-VIP (Black Plan), a tiered VIP rewards program including airport lounge access. The platform is regulated as a payment institution through a partner bank, offers multi-factor authentication, and has served 5,000+ corporate clients with 400,000+ platform users, 10 billion+ in transactions, and 8 million+ cards issued.

Differentiator

Problem solved

Functional benefit

Products and services

• Plataforma Portão 3 (P3) — Corporate Expense Management Platform Unified platform enabling companies to issue unlimited physical and virtual prepaid cards, manage multi-wallet expense structures, process Pix payments and automatic collections, and track spending in real time across cost centers, users, and campaigns.
• Gestão para Anúncios (Ads Payment Management)

Quantifiable outcome

• Up to 30% savings on fleet fuel management by eliminating gas station markup fees
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Licensed Payment Institution Partner (Parceira)coreTechnology or IntegrationBaaS (Banking as a Service) partner institution authorized by Banco Central do Brasil responsible for account opening, card issuance, and regulated payment services. Operates as participant indirect in SPI (Sistema de Pagamentos Instantâneos) for Pix services. Essential for providing prepaid account and card services under Brazilian regulations.
• MastercardcoreTechnology or IntegrationPayment network (Bandeira) for card transactions. Card chargeback procedures and dispute resolution follow Mastercard rules and regulations. All issued cards operate on Mastercard network for global acceptance.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Pismo: Latin American banking and payments platform acquired by Mastercard, providing issuing, processing, and account infrastructure. Operates as a potential BaaS partner or competitor at the infrastructure layer beneath P3.
• Nubank: Brazil's largest neobank, serving consumers and increasingly SMBs with accounts, cards, and Pix. Sets the competitive ceiling for SMB fintechs in Brazil and could enter the ad-card and prepaid expense niche at scale.
• Conta Azul: Established Brazilian SMB financial-management platform combining accounting, banking, and expense tooling. Wider portfolio than P3, with embedded accounts and cards targeting the same SMB finance manager persona.

Direct peers

• Asaas: Brazilian fintech serving SMBs with digital accounts, card issuance, Pix collections, and recurring billing. Overlaps directly with P3's Pix Automático and corporate card products for the same SMB customer.
• Cora: Brazilian digital bank for SMBs offering corporate accounts, card issuance, Pix, and expense management. Competes with P3 for the same SMB CNPJ-based customer with a stronger banking-license foundation and broader credit product set.
• Caju: Brazilian prepaid-card platform for employee benefits and corporate expense management. Closest direct competitor to P3, serving SMBs and mid-market with prepaid cards, multi-wallet structures, and Mastercard acceptance across the same ad-platform and SaaS use cases.
• Pomelo: Latin American card-issuing and banking-as-a-service platform serving fintechs and banks. Directly comparable to P3's BaaS architecture and increasingly competitive as it expands into prepaid corporate cards across Brazil and Mexico.

Emerging players

• Belvo: Latin American open-finance API platform enabling account data, Pix, and payment initiation for fintechs. Adjacent infrastructure layer that could power or compete with P3's Pix-based product strategy.

Regional players

• Caju Benefícios / Flash: Brazilian prepaid benefits and corporate card app competing in the same SMB expense and corporate-wallet space. Strong mobile-first product with a similar target customer to P3's SMB and digital-marketer base.
• Ualá: Latin American neobank expanding into Brazil with prepaid cards and SMB tooling. Comparable business model targeting SMBs across the region, useful as a regional expansion benchmark for P3's LatAm move.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/portao-3
• Xx.com/portao_3

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors8 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 Portão 3