Payer
Payer is a Brazilian multi-acquirer payment gateway and financial services marketplace that unifies card payments, PIX, TEF, and Clover POS for SMB retailers, routing transactions to the lowest-rate acquirer and embedding via API into existing PDV systems.
- Company typePrivate
- Founded2020
- HeadquartersPorto Alegre, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Payer does
Payer Serviços de Pagamento Ltda is a Brazilian multi-acquirer payment gateway and financial services marketplace headquartered in Porto Alegre, Rio Grande do Sul, operating from the TECNOPUC technology park. The company serves SMB retailers across Brazil through a unified platform that aggregates multiple payment acquirers (Stone, Rede, PagSeguro, Cielo, among others), enabling card acceptance across more than 100 card brands and integration with PIX instant payments via state-specific NFC-e fiscal compliance (currently covering RS, MT, and CE). Its core technology stack combines a TEF-based desktop checkout (Checkout Payer Desktop), a Clover-hardware-based Smart POS (Checkout Payer Clover), and a suite of APIs (API Gateway, API Local Host, and TEF Dial file exchange) that embed into existing merchant PDV systems without requiring platform replacement.
The company's product portfolio extends beyond payment processing into a financial services marketplace (Loja Payer) offering cashback, mobile recharge, recurring billing, credit (Clover Capital), and a prize-linked savings product (Amizade dá Sorte) developed with Bradesco Seguros. Its proprietary Rota de Menor Custo (RMC) feature dynamically routes each transaction to the lowest-rate acquirer and the company eliminates terminal rental fees as a structural differentiator. Payer makes money through three revenue streams: transaction fees on routed payments, recurring establishment fees from a software house and automation reseller partner program, and commissions on financial services activated through the marketplace. GTM is sales-led via direct WhatsApp consultant contact, augmented by a channel partner program targeting PDV software vendors and API-based white-label distribution to sub-acquirers, with no public pricing and quote-based engagement.
Payer firmographics
Firmographics- Name
- Payer
- Legal name
- Payer Serviços de Pagamento Ltda
- Website
- https://payer.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Payer is a Brazilian multi-acquirer payment gateway and financial services marketplace that unifies card payments, PIX, TEF, and Clover POS for SMB retailers, routing transactions to the lowest-rate acquirer and embedding via API into existing PDV systems.
- Ownership category
- akta.pro rank
Payer industry classification
Industry- Product category
- Payment Gateway / Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)
Keywords
Where Payer is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Payer business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Fees: Transaction fees collected from routing payments through multiple acquirers. The company acts as intermediary connecting merchants with various payment processors (Stone, Rede, PagSeguro, Cielo, etc.), earning fees on each transaction processed through its platform.
- Partner Recurring Revenue: Recurring revenue from partners through establishment monthly fees and earnings from financial services activated on client portfolios. The company grows alongside partners with transparency in recurring commissions.
- Financial Services Marketplace: Revenue from financial services offered through the Payer Store marketplace including PIX, Cashback, Recurrence, Credit (Clover Capital), Recharge services, and prepaid cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Custom pricing based on merchant needs and transaction volume |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Payer product offering
Product offeringCore offering
Payer operates a multi-acquirer payment gateway platform that connects Brazilian retailers with multiple payment acquirers (Stone, Rede, PagSeguro, Cielo) and digital financial services through a single integration. Its flagship Rota de Menor Custo engine routes each transaction to the acquirer offering the best rate, reducing card fees and eliminating terminal rental costs. The platform is delivered through Checkout Payer Clover (Smart POS hardware), Checkout Payer Desktop (TEF mode), and APIs (API Gateway, API Local Host), supporting cards, PIX, payment links, cashback, credit (Clover Capital), recharge, recurring billing and split payments.
Product overview
Payer is a Marketplace de Pagamentos e Serviços Financeiros (Payments and Financial Services Marketplace) for Brazilian retail. Rather than a single product, it is a platform ecosystem offering multiple payment solutions: the Checkout Payer Clover (innovative payment terminal) and Checkout Payer Desktop/TEF Payer (desktop-based electronic funds transfer). The platform unifies card payments, PIX instant payments, payment links, and recurring billing through a multi-acquirer architecture with its proprietary Rota de Menor Custo (Lowest Cost Route) feature that routes transactions to the best-rate acquirer. Financial services include cashback, mobile recharge, credit (Clover Capital), and split payments. Management tools encompass the Portal Payer web dashboard, APP Payer mobile app, and reconciliation systems. Vertical-specific solutions target delivery, pharmacies, and fuel stations. Integration occurs via API Gateway (web/Smart POS), API Local Host (POS/Desktop), or TEF Dial file exchange.
Differentiator
Problem solved
Functional benefit
Brands
- PIX Payer: Instant payment solution with stability, automatic receipts, and fiscal integration
- TEF Payer
- Checkout Payer Clover
- Checkout Payer Desktop
- Rota de Menor Custo (RMC)
- Payer Cashback
- Link PIX Payer
- Clover Capital
- Loja Payer
Products and services
- Checkout Payer Clover
Quantifiable outcome
- Up to 4% higher conversion by avoiding PIX failures and downtime
- +1 more outcomes
Companies that use Payer
Customer profileSegments4 records
Ideal customer profiles5 records
Payer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature9 records
Payer partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- ClovercoreClover hardware partnership providing Checkout Payer Clover solution - an innovative POS with sophisticated design combining Payer's payment platform with Clover's hardware. The Clover device serves as the physical terminal for Payer's payment ecosystem.
- Bradesco Seguros e CapitalizaçãominorPartnership for 'Amizade dá Sorte' (Premium Change/Lucky Change) solution - a prize-winning change solution with Bradesco Seguros' security and reliability. Integrated into Payer's financial services store offering.
- Software Houses (PDV Integration Partners)corePartner program for software houses (Software Houses) and automation resellers (Revendas de Automação) of different profiles and sizes. Partners integrate Payer's payment and financial services into their PDV/commerce automation systems, gaining access to API documentation, simulation environments, and technical support. Recurring revenue through establishment fees and financial service activations.
- Multiple Acquirers (Stone, Rede, PagSeguro, Cielo, etc.)corePartnerships with multiple payment acquirers including Stone, Rede, PagSeguro, Cielo, and others. Payer acts as aggregator/router allowing merchants to connect with various acquirers through a single platform with optimal rate routing (Rota de Menor Custo).
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Payer competitors and assessment
Company assessmentBroad incumbents
- Juno: Brazilian payment gateway and account platform owned by Banco BV. Competes with Payer on payment gateway services, PIX, and SMB digital account features, but with deeper bank-distribution advantages.
- Pismo: Brazilian payment and banking infrastructure platform acquired by Visa, offering core processing, issuing, and orchestration APIs. Comparable to Payer's orchestration and API capabilities, but at enterprise scale with global reach.
- CloudWalk: Brazilian fintech operating the InfinitePay multi-acquirer payment platform and payment processing infrastructure. Overlaps with Payer on multi-acquirer processing, PIX, and SMB merchant services, with significantly larger scale and capital base.
- Pagar.me: Brazilian payment gateway owned by Stone, serving SMBs and enterprise merchants with cards, PIX, and APIs. Overlaps with Payer on payment gateway and API services, but backed by an acquirer's balance sheet and broader product portfolio.
Direct peers
- Pinbank: Brazilian payment gateway and TEF provider focused on retail and PDV integration. Competes head-to-head with Payer on multi-acquirer routing and software-house integration, with a similar consultative SMB sales approach.
- Iugu: Brazilian payment and financial automation platform owned by Stone, offering gateways, recurring billing, and financial services APIs. Comparable to Payer's gateway and recurring payments products, with broader infrastructure and corporate backing.
- VexPay: Brazilian payment facilitator and multi-acquirer platform targeting software houses and ISVs. Directly comparable to Payer on the software-house channel model, TEF/multi-acquirer routing, and SMB retail focus.
- Zoop: Brazilian payment orchestration and multi-acquirer platform offering TEF, PIX, and financial services to merchants and software houses. Directly comparable to Payer in technology stack, target SMB retail verticals, and partner-channel GTM.
- Granito Pagamentos: Brazilian payment processor and acquirer offering multi-acquirer routing, TEF, and financial services to retail. Competes with Payer on acquirer-agnostic payment acceptance and PDV integration, with similar SMB and software-house GTM.
Emerging players
- Cobre Fácil: Brazilian B2B payments and financial platform offering accounts, payment links, PIX, and APIs to SMBs. Comparable to Payer on PIX, payment links, and financial services marketplace, with partial overlap in target customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Payer social profiles
Digital presencePayer financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payer leadership team
Management profileNumber of profiles
Payer funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payer 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 Payer
What does Payer do?
Payer operates a multi-acquirer payment gateway platform that connects Brazilian retailers with multiple payment acquirers (Stone, Rede, PagSeguro, Cielo) and digital financial services through a single integration. Its flagship Rota de Menor Custo engine routes each transaction to the acquirer offering the best rate, reducing card fees and eliminating terminal rental costs. The platform is delivered through Checkout Payer Clover (Smart POS hardware), Checkout Payer Desktop (TEF mode), and APIs (API Gateway, API Local Host), supporting cards, PIX, payment links, cashback, credit (Clover Capital), recharge, recurring billing and split payments.
Is Payer a public or private company?
Payer is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payer founded?
Payer was founded in 2020. It employs 1 to 10 people.
Where is Payer based?
Payer is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does Payer make money?
Three revenue lines are on record. Payment Processing Fees are the primary driver. The others are partner Recurring Revenue and financial Services Marketplace.
Who are Payer's main competitors?
Broad incumbents on record are Juno, Pismo, CloudWalk and Pagar.me. Direct peers are Pinbank, Iugu, VexPay, Zoop and Granito Pagamentos. Cobre Fácil is listed as an emerging player.
Does Payer have an API?
Yes. Payer offers API integration for developers to connect their systems with the Payer payment platform. Multiple integration methods are available: API Gateway for web integrations, self-service, and Smart POS; API Local Host for Smart POS or Desktop applications; file exchange in TEF Dial format for compatibility; and payment order integration with Smart POS for delivery operations. The API enables unified integration for payment processing, PIX, cards, and financial services management. Developer documentation is at www.payer.com.br/seja-parceiro.
What industry is Payer in?
Payer's product category is Payment Gateway / Payment Processing Platform. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMACAJ, Smart Routing, Cascading & Payment Optimization. Its NAICS code is 52232 and its SIC code is 6199.