Parcela Mais
Parcela Mais is a Brazilian fintech that provides payment processing and patient financing infrastructure to SMB healthcare clinics across dental, medical, aesthetic, and veterinary verticals, operating as a BIORC Financeira banking correspondent and serving 7,000+ clinics in Brazil.
- Company typePrivate
- Founded-
- HeadquartersFlorianópolis, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Parcela Mais does
Parcela Mais is a Brazilian fintech that provides payment processing and patient financing infrastructure to healthcare clinics. The company serves SMB healthcare providers across four verticals — dental, medical, aesthetic and wellness, and veterinary — with a stated network of 7,000+ partner clinics and hospitals across Brazil. Headquartered in Florianópolis and operating as a venture-backed private company (PARCELA MAIS TECNOLOGIA E SERVIÇOS LTDA), it positions itself as the "Bank of Clinics" rather than a single-product vendor.
The platform bundles seven products into a single interface: consumer financing of up to 24 installments with upfront payment to the clinic, a collection management platform with Serasa credit score integration, payment links, card terminals, own-boleto issuance, PIX instant payments, receivable anticipation up to 180 days, and recurring card installments. Underlying the financing product is a correspondent banking relationship with BIORC Financeira under Banco Central do Brasil Resolution No. 3,954, which allows Parcela Mais to distribute credit without holding its own banking license. Onboarding is a four-step digital flow (registration, system release within 14 days, personalized training, utilization), with go-to-market combining self-service website registration and consultant-led sales demonstrations.
Revenue is generated through transaction-based fees across multiple rails: interest spread on financing (with disclosed monthly rates of 2.90% to 8.41%), card payment processing, boleto platform fees, and ancillary services such as anticipation and recurring payments. The company raised R$45 million from SRM Ventures in October 2023 to expand its dental clinic network from 1,500 to 10,000 and to scale annual financing volume above R$100 million. Pricing is not publicly itemized for non-financing products, and direct revenue figures are not disclosed.
Parcela Mais firmographics
Firmographics- Name
- Parcela Mais
- Legal name
- PARCELA MAIS TECNOLOGIA E SERVIÇOS LTDA
- Website
- https://parcelamais.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Parcela Mais is a Brazilian fintech that provides payment processing and patient financing infrastructure to SMB healthcare clinics across dental, medical, aesthetic, and veterinary verticals, operating as a BIORC Financeira banking correspondent and serving 7,000+ clinics in Brazil.
- Ownership category
- akta.pro rank
Parcela Mais industry classification
Industry- Product category
- Healthcare Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Offices & Clinics Of Doctors Of Medicine (8011), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Patient Billing, Statements & Payment Processing (HLACACAG)
- akta.pro secondary industries
- Healthcare Payouts (Payers-to-Providers, Patient Refunds) (FSAMAKAK), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Parcela Mais is headquartered
LocationHeadquarters
- HQ city
- Florianópolis
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Parcela Mais business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Financing Interest: Interest revenue from financing products offered through BIORC FINANCEIRA partnership. Clinics receive upfront payment while patients pay installments over 6-36 months. Interest rates range from 2.90% to 8.41% monthly.
- Payment Processing: Transaction fees from card machine, payment links, and PIX processing for clinic transactions
- Boleto Platform: Platform fees for boleto issuance and automated collection management with Serasa integration
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Financing - up to 24x installments |
| Transaction based/ take rate | Monthly | Recurring Card Payments |
| Freemium | Pay-as-you-go | Registration |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Parcela Mais product offering
Product offeringCore offering
Parcela Mais operates an integrated payment and financing platform for healthcare clinics in Brazil. It enables clinics to offer patients multiple payment methods — installment financing up to 24x, card terminals, payment links, proprietary boleto, and PIX — within a single system. The platform provides clinics with upfront payment while patients pay over 6–36 months, eliminating default risk and automating collection through Serasa integration.
Product overview
Parcela Mais is a unified payment platform for healthcare clinics offering multiple payment solutions: Financing (up to 24x installments with upfront clinic payment), Plataforma de Cobrança (billing platform with Serasa scoring), Link e Maquininha de Cartão (payment links and card terminals), Boleto Próprio (custom ticket issuance), PIX, Antecipação (advance payments up to 180 days), and Recorrência (recurring card payments). The platform serves dental, medical, aesthetic/wellness, and veterinary specialties, partnering with over 7,000 clinics and hospitals across Brazil.
Differentiator
Problem solved
Functional benefit
Products and services
- Financiamento (Financing) Financing solution for healthcare clinics that lets patients pay for procedures in installments up to 24x over 6–36 months while clinics receive the full amount upfront with no default risk. Operates as a correspondent banking product of BIORC Financeira under Central Bank Resolution 3,954, with monthly CET ranging from 2.90% to 8.41%.
- Plataforma de Cobrança (Collection Platform) Billing and collection management platform for healthcare clinics that combines Serasa credit score analysis, boleto issuance, and automated collection management to reduce default and administrative burden.
- Link e Maquininha de Cartão (Payment Link and Card Machine) Payment link and card terminal solutions enabling healthcare clinics to accept card payments, including recurring card installments without affecting the patient's balance.
- Boleto Próprio (Own Ticket / Boleto Issuance) Custom boleto (Brazilian bank ticket) issuance service that enables clinics to issue and manage their own payment tickets for patients, supported by automated collection and Serasa credit analysis.
- PIX Payment Acceptance Instant PIX payment integration allowing clinics to accept Brazil's instant payment rail as a payment option for patients.
Quantifiable outcome
- 30% monthly sales growth for clinics
- +2 more outcomes
Companies that use Parcela Mais
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Parcela Mais technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Parcela Mais partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights6 records
Parcela Mais competitors and assessment
Company assessmentDirect peers
- Nibo: Brazilian fintech focused on financial management and payment solutions for SMBs and accountants, including boleto, card, and collections tooling. Directly comparable as a Brazilian SMB payments-and-billing platform, though without healthcare-vertical specialization.
- Cora: Brazilian digital bank for SMBs offering payment processing, boletos, PIX, and credit products to small businesses. Comparable as a modern Brazilian SMB fintech with multi-rail payments and credit capabilities.
- Conta Simples: Brazilian corporate account and financial platform for SMBs, with payment processing, boletos, and corporate credit products. Directly comparable as a Brazilian SMB payments-and-credit fintech targeting underserved businesses.
Broad incumbents
- Omie: Brazilian cloud ERP and financial management platform serving SMBs with integrated billing, payments, and banking features. Comparable as a broader incumbent serving the same SMB back-office use case but without healthcare specialization.
- Conta Azul: Brazilian SaaS financial platform for SMBs and accountants, offering banking, payments, and invoicing. Comparable as a broader incumbent in the SMB fintech stack with overlapping payments and credit-adjacent capabilities.
- Stone Co. Major Brazilian payments acquirer offering card machines, PIX, boletos, and SMB credit/financing products, including healthcare vertical solutions. Comparable as a much larger incumbent offering overlapping payment rails and SMB credit.
- PagBank PagSeguro: Large Brazilian payments and digital banking platform serving SMBs with card acquiring, PIX, boletos, and working-capital credit. Comparable as a major incumbent in Brazilian SMB payments and credit, with potential to compete in healthcare vertical.
- Banco Inter: One of Brazil's largest digital banks, offering SMB accounts, payment processing, PIX, and consumer/personal credit products. Comparable as a much larger incumbent with comparable credit and payment infrastructure, though without vertical specialization.
- C6 Bank: Brazilian digital bank offering business accounts, card acquiring, and consumer credit products, increasingly targeting SMBs. Comparable as a larger incumbent Brazilian digital bank with overlapping SMB credit and payment capabilities.
Emerging players
- Memed: Brazilian digital health platform connecting doctors, patients, and pharmacies, with embedded payment and prescription workflows. Comparable as a Brazilian healthtech serving similar clinics, though its core focus is prescription management rather than financing.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Parcela Mais social profiles
Digital presenceParcela Mais compliance and trust
Trust signalCompliance2 records
Parcela Mais financial estimates
Financial estimateRevenue estimate
Valuation estimate
Parcela Mais leadership team
Management profileNumber of profiles
Profiles1 record
Parcela Mais funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Parcela Mais 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 Parcela Mais
What does Parcela Mais do?
Parcela Mais operates an integrated payment and financing platform for healthcare clinics in Brazil. It enables clinics to offer patients multiple payment methods — installment financing up to 24x, card terminals, payment links, proprietary boleto, and PIX — within a single system. The platform provides clinics with upfront payment while patients pay over 6–36 months, eliminating default risk and automating collection through Serasa integration.
Is Parcela Mais a public or private company?
Parcela Mais is a private company. It is classified as venture growth investor backed and is currently operating.
When was Parcela Mais founded?
Parcela Mais was founded in -1. It employs 11 to 50 people.
Where is Parcela Mais based?
Parcela Mais is headquartered in Florianópolis, Brazil, in the Latin America region.
How does Parcela Mais make money?
Three revenue lines are on record. Financing Interest is the primary driver. The others are payment Processing and boleto Platform.
Who are Parcela Mais's main competitors?
Direct peers on record are Nibo, Cora and Conta Simples. Broad incumbents are Omie, Conta Azul, Stone Co., PagBank PagSeguro, Banco Inter and C6 Bank. Memed is listed as an emerging player.
Does Parcela Mais have an API?
No public API is recorded for Parcela Mais.
What industry is Parcela Mais in?
Parcela Mais's product category is Healthcare Payment Processing. Its primary akta.pro industry code is HLACACAG, Patient Billing, Statements & Payment Processing, with a secondary code of FSAMAKAK, Healthcare Payouts (Payers-to-Providers, Patient Refunds). Its NAICS code is 52232 and its SIC code is 8011.