Zapay
Zapay is a Brazilian fintech platform that lets vehicle owners consult and pay IPVA, licensing fees, traffic fines, and active debt across all 27 state DETRAN systems, with credit-card installment options up to 12x, serving primarily individual Brazilian consumers via website and mobile app.
- Company typePrivate
- Founded2017
- HeadquartersBrasilândia, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingSoftware
What Zapay does
Zapay (legal entity: Zapay Serviços de Pagamentos S.A.) is a Brasília-headquartered Brazilian fintech founded in 2017–2018 by students from the University of Brasília (UNB). The company operates a digital platform that consolidates Brazilian vehicle-related debts—including IPVA (annual vehicle tax), licensing fees, traffic fines, and active debt (dívida ativa)—across all 27 state DETRAN systems and SENATRAN, accessible via website (usezapay.com.br) and native iOS/Android applications.
The underlying technology is a multi-DETRAN integration platform that enables real-time vehicle debt consultation using only a license plate and email, followed by payment processing via credit card (with up to 12 installments), PIX, boleto, Ticketlog, or voucher. Zapay operates as a corresponding bank of Banco Rendimento and integrates directly with Serpro for federal vehicle records, holding SENATRAN accreditation via Portaria nº 62/2023. Adjacent product modules include Digital CRLV issuance, automatic fine alerts, an IPVA calculator, FIPE table lookup, online despachante services, physical retail locations, and a vehicle insurance vertical.
Zapay's go-to-market is product-led growth via a freemium model: vehicle debt consultation is free, and monetization occurs at the point of payment through transaction processing fees. The primary customer segment is individual Brazilian vehicle owners (B2C), with a secondary fleet-owner segment. The company has processed 600,000+ vehicle regularizations and 5.5 million+ consultations cumulatively, supported by 101–250 employees, and was backed by a R$7.5 million seed round led by DOMO Invest in October 2021.
Zapay firmographics
Firmographics- Name
- Zapay
- Legal name
- Zapay Serviços de Pagamentos S.A.
- Website
- https://usezapay.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Zapay is a Brazilian fintech platform that lets vehicle owners consult and pay IPVA, licensing fees, traffic fines, and active debt across all 27 state DETRAN systems, with credit-card installment options up to 12x, serving primarily individual Brazilian consumers via website and mobile app.
- Ownership category
- akta.pro rank
Zapay industry classification
Industry- Product category
- Vehicle Debt Payment Platform
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industry
- Third-Party POS Installment Financing Platforms (FSAKAFAB)
Keywords
Where Zapay is headquartered
LocationHeadquarters
- HQ city
- Brasilândia
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Zapay business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Fees: Zapay charges fees for processing vehicle debt payments through its platform, earning a margin on each transaction. Users can pay via credit card (with installment option), PIX, or boleto.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free debt consultation |
| Transaction based/ take rate | Pay-as-you-go | Credit card payment with installment option |
| Transaction based/ take rate | Pay-as-you-go | PIX and boleto payment |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Zapay product offering
Product offeringCore offering
Zapay operates a digital platform integrated with all 27 Brazilian DETRAN systems that lets vehicle owners consult IPVA, licensing, traffic fines, and active debt using only their license plate, and pay or installment-finance these debts via credit card (up to 12x), PIX, or boleto. The service is delivered through a website, native iOS/Android apps, and partner physical stores, and includes digital CRLV issuance and fine alert notifications. Revenue is generated through transaction processing fees on the payments Zapay processes on behalf of users.
Product overview
Zapay é uma plataforma digital unificada de serviços para veículos que centraliza a consulta e o pagamento de débitos veiculares — incluindo IPVA, licenciamento, multas de trânsito e dívida ativa — a partir da placa do veículo. O produto principal é a Plataforma Zapay de Consulta e Pagamento de Débitos Veiculares, acessível via site e aplicativo móvel (Android/iOS), integrada aos 27 DETRANs estaduais e ao SENATRAN. Os módulos complementares incluem o Parcelamento em até 12x no cartão de crédito, a emissão do CRLV Digital, o serviço de Alerta de Multas, a Calculadora de IPVA, a Tabela Fipe, o Despachante Online, atendimento presencial em lojas físicas e o produto de Seguros. A plataforma se diferencia por permitir o parcelamento mesmo fora do calendário oficial do Detran e pela maior cobertura nacional de consultas de veículos do Brasil.
Differentiator
Problem solved
Functional benefit
Products and services
- Zapay Vehicle Debt Consultation and Payment Platform Unified digital platform that allows Brazilian vehicle owners to consult vehicle debts (IPVA, licensing, fines, active debt) by license plate and pay or installment-finance them in up to 12x on credit card, with coverage integrated to 27 state DETRANs and SENATRAN across Brazil.
Quantifiable outcome
- Over 600,000 vehicles regularized through platform solutions
- +2 more outcomes
Companies that use Zapay
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles1 record
Zapay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Zapay partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- SENATRANcoreOfficial accreditation via Portaria nº 62/2023 from January 30, 2023. Grants Zapay authorization to process vehicle-related payments and integrate with government systems.
- 27 DETRAN SystemscoreIntegration with all 27 Brazilian state DETRAN systems for real-time vehicle debt data access and payment processing across nearly 90% of national territory.
- 9 Automotive CompaniesminorSuccessful partnerships with 9 major automotive sector companies, potentially including dealerships or automotive service providers that refer customers or integrate with Zapay services.
- SerprocorePartnership with Serpro (Federal Data Processing Service) providing direct access to vehicle information, ensuring accurate consultation and payment processing.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Zapay competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Zapay social profiles
Digital presenceZapay compliance and trust
Trust signalCompliance5 records
Zapay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zapay leadership team
Management profileNumber of profiles
Profiles5 records
Zapay funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zapay 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 Zapay
What does Zapay do?
Zapay operates a digital platform integrated with all 27 Brazilian DETRAN systems that lets vehicle owners consult IPVA, licensing, traffic fines, and active debt using only their license plate, and pay or installment-finance these debts via credit card (up to 12x), PIX, or boleto. The service is delivered through a website, native iOS/Android apps, and partner physical stores, and includes digital CRLV issuance and fine alert notifications. Revenue is generated through transaction processing fees on the payments Zapay processes on behalf of users.
Is Zapay a public or private company?
Zapay is a private company. It is classified as venture growth investor backed and is currently operating.
When was Zapay founded?
Zapay was founded in 2017. It employs 101 to 250 people.
Where is Zapay based?
Zapay is headquartered in Brasilândia, Brazil, in the Latin America region.
How does Zapay make money?
One revenue line is on record: payment Processing Fees.
Does Zapay have an API?
No public API is recorded for Zapay.
What industry is Zapay in?
Zapay's product category is Vehicle Debt Payment Platform. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAKAFAB, Third-Party POS Installment Financing Platforms. Its NAICS code is 52222 and its SIC code is 6141.