OnePay
OnePay is a Brazilian fintech founded in 2018 that provides payment gateway and Smart POS solutions to SMB merchants (Lojistas) and distributes them through a licensed partner network (Licenciados), bundling acquiring with a digital settlement account and software features such as split payments and tax management.
- Company typePrivate
- Founded2018
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingServices
What OnePay does
OnePay (legal entity: One Pay Intermediações LTDA) is a Brazilian fintech founded in 2018 and headquartered in São Paulo, operating as a payment intermediary that provides payment gateway solutions and programmable payment services. The company serves two primary customer segments: Lojistas (merchants) who accept payments, and Licenciados (licensed partners) who distribute and activate those merchants. With 51-100 employees and operations concentrated in Brazil's Southeast region, OnePay is a sub-scale player in a market dominated by Stone, PagSeguro, Cielo, and Mercado Pago.
The product suite is anchored by the Maquininha OnePay, a Smart POS terminal, paired with the Conta Digital OnePay, a digital settlement account that holds merchant funds. Two value-added software features extend the core acquiring proposition: Split Inteligente, which handles programmable payment splitting for multi-party or marketplace-style flows, and Inteligência Tributária (Tax Intelligence), a merchant back-office tool. The combined architecture integrates payment acceptance hardware, a digital banking account, and software-based transaction routing, with onboarding delivered through a digital-first, self-serve flow via WhatsApp and the company website.
OnePay generates revenue through two streams: transaction fees (MDR and related charges) on payments processed through its gateway and POS terminals, and commissions from its licensed partner network on the merchants those partners activate. Its go-to-market blends a distributed licensed partner channel for merchant acquisition with direct self-serve digital onboarding. A reference to Shieldbank in the company's corporate contact details ([email protected]) suggests a possible affiliation or partnership, though the precise structure, scope, and economics of that relationship are not disclosed in the available data.
OnePay firmographics
Firmographics- Name
- OnePay
- Legal name
- One Pay Intermediações LTDA
- Website
- https://1pay.com.br
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OnePay is a Brazilian fintech founded in 2018 that provides payment gateway and Smart POS solutions to SMB merchants (Lojistas) and distributes them through a licensed partner network (Licenciados), bundling acquiring with a digital settlement account and software features such as split payments and tax management.
- Ownership category
- akta.pro rank
OnePay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)
- akta.pro secondary industries
- Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Where OnePay is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
OnePay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Supply Chain, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Transaction Fees: OnePay generates revenue through transaction fees charged on card payments processed through its Smart POS terminals. The platform supports installment payments up to 21x, PIX transactions, and flexible settlement options (D+1 to D+30).
- Licensed Partner Commissions: Licensed partners (representatives) earn recurring commissions based on the transaction volume of their merchant client base. Partners can define their own margins using a markup model, creating a tiered revenue structure where OnePay takes a portion while partners retain recurring income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing for merchants |
| Other | Monthly | Partner markup model for licensed representatives |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
OnePay product offering
Product offeringCore offering
OnePay is a Brazilian fintech that provides payment acceptance and financial infrastructure for merchants and licensed partners. Its core offering combines Smart POS card terminals (Maquininha OnePay) accepting credit, debit, and PIX payments with installment options up to 21x, paired with a digital settlement account (Conta Digital OnePay) for managing funds, transfers, and bill payments. The platform also features integrated tax intelligence and automated payment splitting capabilities, distributed through a licensed partner channel in addition to direct self-serve onboarding.
Product overview
OnePay is a financial infrastructure platform for Brazilian merchants offering a unified ecosystem of payment solutions. The core product is the Maquininha OnePay (Smart POS terminal) paired with the Conta Digital OnePay (digital settlement account). Additional modules include Split Inteligente for automated payment division and Inteligência Tributária for tax optimization. The platform supports installment payments up to 21x, PIX transactions with automatic reconciliation, and flexible settlement options (D+1 or D+30). Licensed partners can operate their own payment business with recurring commissions through the partner management system.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Potential earning of approximately R$1,200 in 6 months for licensed partners following suggested activity metrics (100 meetings/month, 5 presentations/day, 10% conversion rate, 10 new clients)
Companies that use OnePay
Customer profileSegments2 records
Ideal customer profiles2 records
OnePay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
OnePay partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights4 records
OnePay competitors and assessment
Company assessmentDirect peers
- SumUp: Global SMB POS and payment services provider with strong Brazil presence. Comparable on portable card terminals, no-monthly-fee pricing, and micro-merchant focus.
- InfinitePay: Brazilian fintech offering smart POS terminals, digital accounts, and PIX-centric tools for SMBs. Comparable product structure, customer base, and self-serve acquisition motion.
- Stone Co. Brazilian SMB-focused acquirer offering Smart POS terminals, digital banking, and integrated financial services. Closely comparable to OnePay on product mix (POS + banking), customer segment (SMBs), and Brazilian market focus, though at materially larger scale.
- PagBank (PagSeguro): Brazilian payments and digital banking platform serving SMBs and individuals with POS terminals, Conta PagBank, and installment/PIX support. Highly comparable on bundled POS-plus-account offering and target SMB customer base.
- Ton (Stone): Stone's sub-brand targeting micro-merchants and informal sellers with low-cost mobile POS. Closely comparable on micro-merchant segmentation and PIX-first product approach.
- SafraPay: Brazilian POS and acquiring arm of Banco Safra, targeting SMBs with smart terminals and installment support. Comparable on POS hardware, installments, and acquiring services.
- Zoop: Brazilian payment infrastructure platform providing PayFac, acquiring-as-a-service, and POS solutions. Comparable on the PayFac / partner distribution model and SMB acquiring services.
Broad incumbents
- Cielo: Brazil's largest card acquirer offering POS terminals, e-commerce acquiring, and merchant services. Overlaps with OnePay's core acquiring proposition but operates at much greater scale and across enterprise segments.
- Rede (Itaú): Brazilian acquirer owned by Itaú Unibanco providing POS terminals, e-commerce, and PIX acceptance. Comparable on SMB acquiring services, with the advantage of a banking parent's balance sheet.
- Mercado Pago: Fintech arm of Mercado Livre offering POS terminals, digital accounts, credit, and PIX. Comparable on multi-product SMB ecosystem, though anchored to a large marketplace.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
OnePay social profiles
Digital presenceOnePay financial estimates
Financial estimateRevenue estimate
Valuation estimate
OnePay leadership team
Management profileNumber of profiles
OnePay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OnePay 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 OnePay
What does OnePay do?
OnePay is a Brazilian fintech that provides payment acceptance and financial infrastructure for merchants and licensed partners. Its core offering combines Smart POS card terminals (Maquininha OnePay) accepting credit, debit, and PIX payments with installment options up to 21x, paired with a digital settlement account (Conta Digital OnePay) for managing funds, transfers, and bill payments. The platform also features integrated tax intelligence and automated payment splitting capabilities, distributed through a licensed partner channel in addition to direct self-serve onboarding.
Is OnePay a public or private company?
OnePay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OnePay founded?
OnePay was founded in 2018. It employs 51 to 100 people.
Where is OnePay based?
OnePay is headquartered in São Paulo, Brazil, in the Latin America region.
How does OnePay make money?
Two revenue lines are on record. Payment Transaction Fees are the primary driver. The others are licensed Partner Commissions.
Who are OnePay's main competitors?
Direct peers on record are SumUp, InfinitePay, Stone Co., PagBank (PagSeguro), Ton (Stone), SafraPay and Zoop. Broad incumbents are Cielo, Rede (Itaú) and Mercado Pago.
Does OnePay have an API?
No public API is recorded for OnePay.
What industry is OnePay in?
OnePay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMADAD, Integrated POS Payments (ISVs & Vertical POS Platforms), with a secondary code of FSAMACAG, Marketplace & Platform Payments (Split Payments, Sub-merchants). Its NAICS code is 52232 and its SIC code is 6199.