What Conta Simples does

Conta Simples is a Brazilian fintech operating a corporate expense management platform that combines corporate Visa credit cards, a digital business checking account with Pix and boleto services, and an AI-powered expense management dashboard for small and medium-sized enterprises. Founded in 2018 in São Paulo, the company is regulated as a Sociedade de Crédito Direto (SCD) by the Banco Central do Brasil and operates through two legal entities: Conta Simples Soluções de Pagamentos Ltda. and Conta Simples Sociedade de Crédito Direto S.A. The platform targets primarily startups, e-commerce companies, and digital marketing agencies — with named customers including Grupo Primo, Turbi, V4 Company, Exame, Copastur, Jusbrasil, and Lemon Energia — serving 50,000+ companies with 500,000+ cards issued since inception.

The product surface comprises seven core modules: corporate credit cards (physical and unlimited virtual), banking services (Pix, boleto, bulk payments), expense management with AI-generated insights, credit solutions, Conta Global (USD international account via Airwallex US partnership), Viaja Simples (VCN for travel), and an MCP integration with Anthropic's Claude for natural-language financial task automation. Underlying infrastructure is built on a Banking-as-a-Service arrangement with DOCK Instituição de Pagamento for payment account opening and Visa rails for card issuance. The platform integrates natively with major Brazilian ERPs and advertising platforms (Google, Meta, TikTok, LinkedIn).

The business model is hybrid subscription-plus-transaction. A monthly platform fee of R$49.90 is waived when monthly card spend exceeds R$5,000; primary revenue comes from interchange fees on card transactions, installment interest, late payment charges, and service fees (boleto R$2.89, bulk payments R$14.90, additional physical cards R$14.90, international transactions IOF + 3.5%). A tiered cashback program (0.25-0.5%) and Livelo points loyalty integration drive engagement. GTM is exclusively digital, with 100% self-serve onboarding via web and mobile apps, supplemented by content marketing through the Simplifica blog, customer testimonials, and a dedicated inside-sales motion for mid-market and enterprise accounts. The company has raised approximately $70 million across eight rounds since 2018, with the most recent round ($40.8M, January 2024) led by Base10 Partners.

Name

Conta Simples

Legal name

Conta Simples Soluções de Pagamentos Ltda. | Conta Simples Sociedade de Crédito Direto S.A.

Website

https://contasimples.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Conta Simples provides an integrated corporate expense management platform combining AI-powered software, Visa corporate credit cards, and a digital business checking account for Brazilian SMEs and startups, serving 50,000+ companies.

Ownership category

akta.pro rank

Product category

Corporate Expense Management Software

NAICS

Credit Card Issuing (522210), Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG)

akta.pro secondary industries

Card Issuing & Program Management Platforms (BPAMAFAH), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Corporate expense management
• Corporate credit cards
• Small business banking
• AI expense automation
• Virtual card issuance

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Monthly Subscription Fee: Monthly platform fee of R$ 49.90 that can be waived by spending R$ 5,000+ on corporate cards per billing cycle. This is the primary recurring revenue stream.
2. Credit Card Transaction Fees: Revenue from interchange fees on credit card transactions, with additional revenue from installment interest and late payment charges on approved credit cards.
3. Cashback Program Revenue Share: Tiered cashback program (0.25-0.5%) where the company retains spread between interchange revenue and cashback payouts.
4. Points Program: Points program where 1 point is earned per R$ 10 spent via corporate credit cards, redeemable through Livelo and other loyalty partners.
5. Service and Transaction Fees: Fees for boleto issuance (R$ 2.89), bulk payments (R$ 14.90), additional physical cards (R$ 14.90), ATM withdrawals (R$ 9.90), and bank transfers (R$ 2.99 for 3rd+ TED).
6. International Services: Revenue from international card transactions with IOF + 3.5% spread, international supplier payments, and cash-in fees on USD deposits.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

Conta Simples provides an integrated corporate financial platform for Brazilian SMEs and startups, combining expense management software, Visa-powered corporate credit cards (including unlimited virtual cards), and embedded banking services such as Pix, boleto, and a checking account paying 90% of the CDI rate on balances. The platform automates expense categorization, supports cost-center and sub-account management, integrates with ERP systems, and offers AI-driven financial insights including a Model Context Protocol (MCP) integration with Claude for natural-language financial queries.

Product overview

Conta Simples is a corporate expense management platform for Brazilian SMEs and startups, comprising a core unified platform with modular add-on products. The core platform (accessible at contasimples.com) provides corporate credit cards, banking services (Pix, boleto, bulk payments), and AI-powered expense management as the foundational layers. Add-on modules include credit solutions (flexible payment/financing), a Conta Global USD account for international operations, Viaja Simples VCN for travel expense control, and an MCP integration with Claude for AI-driven financial task automation. The platform serves 50,000+ companies with 500,000+ cards issued, emphasizing expense control through customizable cost centers, real-time dashboards, and AI-generated insights that replace manual spreadsheet-based financial management.

Differentiator

Problem solved

Functional benefit

Brands

• Viaja Simples: Credit and VCN (Virtual Card Number) solution for corporate travel with automatic reconciliation and multiple virtual cards.
• Conta Global
• MCP (Model Context Protocol)

Products and services

• Cartões Corporativos (Corporate Credit Cards) Visa-powered corporate credit cards (physical and unlimited virtual) issued to Brazilian businesses, with no annual fee, designed for SME and startup expense management.
• Gestão de Despesas (Expense Management) Software module providing AI-powered automated expense categorization, real-time financial dashboards, cost-center and sub-account management, and ERP integration for SMB finance teams.
• Soluções de Crédito (Credit Solutions) Credit offerings extended to eligible SMB customers on the platform, providing working capital and operational financing tied to the corporate account and card relationship.
• Conta Global (Global Account) Multi-currency international account enabling Brazilian businesses to pay international suppliers, vendors, and contractors with competitive FX and global payment rails.
• Viaja Simples (Travel Payments) Virtual card product designed for corporate travel bookings, enabling businesses to centralize flight, hotel, and travel spend with reporting and control features.

Quantifiable outcome

• 89% of managers don't understand expense management; 78% depend on outdated spreadsheets; 12 hours/week wasted on manual processes
• +2 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core, supporting and flagship.

• DOCK Instituição de Pagamento S.A.coreTechnology or IntegrationDOCK acts as the payment institution partner responsible for opening payment accounts and providing the underlying payment infrastructure (SPB - Sistema de Pagamentos Brasileiros). They handle preventive blocking and account cancellation capabilities. This is a foundational BaaS partnership enabling Conta Simples to offer payment services.
• VisacoreTechnology or IntegrationVisa is the card network/brand providing the payment infrastructure for Conta Simples credit cards. Conta Simples participates as a card issuer within the Visa payment network in Brazil, enabling card acceptance globally across 200+ countries.
• LivelosupportingOthersLivelo is the loyalty program partner for the Conta Simples points program. Customers earn 1 point per R$ 10 spent and can redeem points through the Livelo loyalty platform for products and services.
• B2B Reservas (MFL Turismo & Tecnologia Ltda)supportingTechnology or IntegrationB2B Reservas is the commercial partner for the VCN (Virtual Card Number) travel solution. They provide the integration platform for issuing virtual cards specifically for travel expenses including flights, hotels, and transportation.
• Airwallex US, LLCsupportingTechnology or IntegrationAirwallex US provides payment services for American customers (NMLS #1928133), licensed for money transmission in most US states. This partnership extends Conta Simples services to US market.
• Visa (Strategic Partnership)flagshipStrategic or Co-development PartnerVisa partnered with Conta Simples on the 'Panorama da Gestão de Despesas 2026' study about corporate expense management in Brazil. This co-branded research positions both companies as thought leaders in Brazilian fintech.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cora: Brazilian SMB-focused digital business account with corporate cards, Pix, boletos, and expense tooling. Most direct peer given overlapping product surface (PJ checking + cards + automated finance) targeting the same Brazilian PME/startup segment.
• Simpla (Itaú): Brazilian corporate card and expense management platform incubated inside Itaú, offering multi-card issuance, spend controls, and ERP integrations. Comparable in product scope and target customer, with the strategic backing of Brazil's largest private bank.
• Caju: Brazilian corporate benefits and multi-card platform with Pix, vouchers, and expense automation for distributed teams. Overlaps with Conta Simples' multi-card, cost-center, and corporate-spend control value proposition.
• Agilize: Brazilian SMB corporate card and accounting automation platform combining cards, Pix, boletos, and ERP/reconciliation flows. Directly competes for Brazilian PME card-and-control wallet share.
• Conta Azul: Brazilian SMB financial management platform covering banking, cards, invoicing, and accounting; progressively layering corporate cards and expense control. Competes for the same SME 'replace the spreadsheet' wedge.

Broad incumbents

• Inter: Brazilian digital bank offering business accounts, Pix, cards, and credit to SMEs and consumers at scale. Larger incumbent with broader portfolio but overlapping SMB corporate card and account-management value proposition.
• Nubank: Latin American neobank with growing business account (PJ) and card products for SMBs across Brazil and Mexico. Strategic incumbent given brand, scale, and capital, even if its SMB corporate-card feature set is still maturing.
• BTG Pactual: Major Brazilian investment bank with full digital banking, corporate cards, and treasury services for SMEs and enterprises. Broad incumbent whose product breadth increasingly overlaps with Conta Simples' SMB stack.

Emerging players

• Jeitto: Brazilian fintech offering SME banking, cards, and credit-as-a-service for small businesses and startups. Comparable emerging player in the same segment with less expense-management depth than Conta Simples.

Regional players

• Ualá: Latin American neobank operating across Argentina, Mexico, and Colombia with SMB/PJ account features. Regionally comparable expansion archetype rather than a Brazil head-to-head, illustrating the Latam SMB fintech playbook.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCE8Zhvpxqds2Ef9K_7walIg
• Facebookfacebook.com/contasimplesBR
• LinkedInlinkedin.com/company/contasimples
• Instagraminstagram.com/contasimplesbr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds7 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Conta Simples