Payer

Payment Gateway / Payment Processing Platformpayer.com.br

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

Multi-acquirer payment gateway
TEF payment processing
PIX instant payments
POS payment terminals
Retail payment platform

Where Payer is headquartered

Location

Headquarters

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 offering

Core 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 profile

Segments4 records

Ideal customer profiles5 records

Payer technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Feature9 records

Payer partnerships and signals

Strategic signal

Partnerships

Four partnerships are on record, tiered core and minor.

ClovercoreTechnology or IntegrationClover 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 CapitalizaçãominorStrategic or Co-development PartnerPartnership 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)coreChannel Partner/ Reseller/ DistributorPartner 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.)coreTechnology or IntegrationPartnerships 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 assessment

Broad 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 financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Payer leadership team

Management profile

Number of profiles

Payer funding detail

Funding detail

Funding 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 investment

M&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?

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.