Zemo Bank
Zemo Bank is a Brazilian private digital bank offering ERP-integrated payment infrastructure for businesses with commission-based sales teams. Its core Sistema de Pagadoria automates client receivables and commission disbursement, serving enterprises in real estate, construction, and fleet verticals across Brazil.
- Company typePrivate
- Founded2017
- HeadquartersBarueri, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Zemo Bank does
Zemo Bank S.A. (CNPJ 28.101.612/0001-90) is a privately held Brazilian digital bank headquartered in Alphaville, Barueri (São Paulo), with a branch in Manaus. The company operates a payment infrastructure platform oriented to B2B clients, with the Sistema de Pagadoria (Payout System) as its anchor product: businesses receive payments from clients and the platform automatically distributes commissions to sales agents or brokers. The platform combines a business checking account (Conta Jurídica), an employee digital account (Conta Digital), corporate cards (Cartões Corporativos), an online payment gateway, Pix and boleto origination, bulk payments, commission management, and an Open Banking interface. Its principal technical differentiator is native ERP integration, allowing customers to issue charges, reconcile receivables, and operate banking functions directly from within third-party management systems; the company lists Anapro, Hypnobox, and Sigavi among its integration partners.
Underlying technology relies on standard Brazilian instant-payment rails (Pix) and boleto processing, Open Banking APIs, and ERP connectors rather than disclosed proprietary AI/ML. All balances held in custody automatically accrue at 80% of the CDI interbank rate, a yield feature positioned against traditional savings accounts.
Zemo Bank monetizes through transaction and processing fees on payment volume and through recurring digital-account services, with pricing not publicly disclosed and routed through a consultative "Agendar Apresentação" sales motion for enterprise clients and self-serve mobile onboarding for smaller accounts. Named customers (Plano&Plano, CV Construtora, Dubai, MarkInvest, Drive) span real estate, construction, financial services, and fleet/automotive verticals, all with commission-based sales structures. The company holds no disclosed funding rounds, no certifications, and no public management team, and operates only within Brazil.
Zemo Bank firmographics
Firmographics- Name
- Zemo Bank
- Legal name
- Zemo Bank S.A.
- Website
- https://zemobank.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Zemo Bank is a Brazilian private digital bank offering ERP-integrated payment infrastructure for businesses with commission-based sales teams. Its core Sistema de Pagadoria automates client receivables and commission disbursement, serving enterprises in real estate, construction, and fleet verticals across Brazil.
- Ownership category
- akta.pro rank
Zemo Bank industry classification
Industry- Product category
- Digital Banking
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Commercial Banking (52211)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)
Keywords
Where Zemo Bank is headquartered
LocationHeadquarters
- HQ city
- Barueri
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Zemo Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing and Transaction Fees: ZemoBank generates revenue through payment processing fees, including boleto (invoice) generation with competitive rates and transaction processing through their gateway
- Digital Account Services: Provides digital banking accounts for businesses and employees with value-added services including corporate cards and investment returns on balances
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Zemo Bank product offering
Product offeringCore offering
Zemo Bank provides a B2B payment infrastructure platform that integrates directly with customers' ERP systems to automate financial operations. Its core product, the Sistema de Pagadoria, receives client payments and automatically distributes commissions to salespeople and agents. The platform bundles business accounts (Conta Jurídica), employee digital accounts (Conta Digital), corporate cards, and a payment gateway, supporting boleto, Pix, and bulk payments with automatic 80% CDI yield on custodial balances.
Product overview
Zemo Bank is a Brazilian digital banking platform offering a unified suite of financial services primarily focused on business payments, commission management, and payroll operations. The core product is the Sistema de Pagadoria (Payout System), complemented by business accounts (Conta Jurídica), employee digital accounts (Conta Digital), and corporate cards. Key operational features include ERP integration, bulk payments, sales management, payment gateway, Open Banking access, and commission management. All accounts offer automatic yield at 80% CDI. The platform serves both B2B clients (businesses managing sales forces) and B2C employees (receiving salary/commissions), with a focus on automating financial operations through ERP connectivity.
Differentiator
Problem solved
Functional benefit
Products and services
- Sistema de Pagadoria (Payout System)
Quantifiable outcome
- 80% CDI returns on custody balances (superior to traditional savings accounts)
Companies that use Zemo Bank
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Zemo Bank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature9 records
Zemo Bank partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights5 records
Zemo Bank competitors and assessment
Company assessmentDirect peers
- Cora: Brazilian B2B digital bank offering business accounts, boletos, PIX and payment infrastructure to SMBs. Closely comparable to ZemoBank in core product (Conta Jurídica, payment processing, integrated financial management) and target market (Brazilian SMBs with sales operations).
- Conta Simples: Brazilian B2B neobank focused on SMEs with digital accounts, expense cards, PIX/boleto, and financial management features. Directly comparable to ZemoBank's business banking and expense management offering for Brazilian SMBs.
- Conta Azul: Brazilian B2B fintech combining ERP/accounting software with banking-adjacent services (Conta Azul Conta). Comparable to ZemoBank on the ERP-integrated financial operations thesis for Brazilian SMBs.
- Omie: Brazilian ERP + financial services platform offering integrated invoicing, banking and payment tools to SMBs. Comparable due to overlap on ERP-integrated billing, accounts receivable automation, and B2B financial workflows.
Broad incumbents
- C6 Bank: Major Brazilian digital bank offering business accounts, payment processing, and corporate cards. Overlaps with ZemoBank across digital accounts, cards and PIX/boleto, but at significantly larger scale and broader customer base.
- Inter & Co: Large Brazilian digital bank with comprehensive business banking (Inter Empresas) including accounts, PIX, boletos, cards, and yield-bearing deposits. Comparable as a broad B2B digital banking incumbent with similar product set to ZemoBank.
- PagBank / PagSeguro: Major Brazilian payment platform offering merchant accounts, payment gateway, PIX, boletos and business banking. Comparable due to overlap on payment gateway, digital accounts and disbursement products serving Brazilian SMB merchants.
- Stone Co: Large Brazilian payment processor and SMB banking provider (Stone Banca) offering accounts, PIX, boletos and corporate cards. Comparable on payment infrastructure and SMB banking products for the Brazilian market.
- Brex: US-based B2B neobank offering corporate cards, expense management, accounts payable and yield on balances. Thematically comparable to ZemoBank on integrated B2B cards, payments and balance-yield proposition, though operating in a different geography.
Regional players
- Soch Liquida (formerly BV) / Original Bank FaaS vendors: Banking-as-a-service and white-label bank account providers in Brazil (including Original, Banco BV, Dock, Pomelo) that compete for embedded finance integrations comparable to ZemoBank's ERP-embedded banking position. Comparable on the infrastructure layer powering Brazilian B2B fintech accounts.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Zemo Bank social profiles
Digital presenceZemo Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zemo Bank leadership team
Management profileNumber of profiles
Zemo Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zemo Bank 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 Zemo Bank
What does Zemo Bank do?
Zemo Bank provides a B2B payment infrastructure platform that integrates directly with customers' ERP systems to automate financial operations. Its core product, the Sistema de Pagadoria, receives client payments and automatically distributes commissions to salespeople and agents. The platform bundles business accounts (Conta Jurídica), employee digital accounts (Conta Digital), corporate cards, and a payment gateway, supporting boleto, Pix, and bulk payments with automatic 80% CDI yield on custodial balances.
Is Zemo Bank a public or private company?
Zemo Bank is a private company. It is classified as unknown and is currently operating.
When was Zemo Bank founded?
Zemo Bank was founded in 2017. It employs 11 to 50 people.
Where is Zemo Bank based?
Zemo Bank is headquartered in Barueri, Brazil, in the Latin America region.
How does Zemo Bank make money?
Two revenue lines are on record. Payment Processing and Transaction Fees are the primary driver. The others are digital Account Services.
Who are Zemo Bank's main competitors?
Direct peers on record are Cora, Conta Simples, Conta Azul and Omie. Broad incumbents are C6 Bank, Inter & Co, PagBank / PagSeguro, Stone Co and Brex. Soch Liquida (formerly BV) / Original Bank FaaS vendors is listed as a regional player.
Does Zemo Bank have an API?
No public API is recorded for Zemo Bank.
What industry is Zemo Bank in?
Zemo Bank's product category is Digital Banking. Its primary akta.pro industry code is FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards), with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 522320 and its SIC code is 6199.