Shipay

Payment Infrastructureshipay.com.br

Shipay is a São Paulo-based, B3-group-owned API-first payments infrastructure platform that connects Brazilian merchants to Pix, digital wallets (Mercado Pago, PicPay, Ame, etc.), and cryptocurrencies via a single integration, distributed through 400+ PDV, ERP, e-commerce, and POS partner integrations.

Company typePrivate
Founded2020
HeadquartersSão Paulo, Brazil
Headcount51–100
GTM typeB2B
OfferingSoftware

What Shipay does

Shipay Tecnologia S/A, headquartered in São Paulo, Brazil, and founded in 2020, is an API-first digital payments infrastructure provider targeting the Brazilian Pix ecosystem and adjacent digital-wallet and cryptocurrency rails. Its core product is a single REST API that aggregates Pix instant payments, six-plus digital wallets (Mercado Pago, PicPay, Ame Digital, Cielo Pay, 99 Pay, Beblue, Abastece Aí), and cryptocurrency acceptance (Bitcoin, Ethereum, USDC via Binance, Foxbit Pay, CoinPayments) across more than eight Brazilian banks (Itaú, Banco do Brasil, Bradesco, Caixa, Santander, Safra, Sicoob, Sicredi). The platform exposes four API product lines — Cash-in (collections), Cash-out (disbursements), Registration, and Reconciliation — supporting physical retail, e-commerce, mobile applications, WhatsApp commerce, POS/SmartPOS terminals, and ERP-driven accounts-receivable/payable workflows. Auth uses mTLS with Access/Secret Key and Client ID; webhooks provide real-time payment-status notifications. Documented scale includes 2M+ downstream merchants, 400+ integrated software systems (including Vtex, Magento, Oracle, Salesforce, SAP Hybris, TOTVS), 7M monthly transactions, and R$30B in cumulative transaction value.

Shipay's revenue model is transaction-fee-based (take rate) plus API integration services revenue from software-house and developer partners, with pricing described as pay-as-you-go and positioned against traditional methods (claims of up to 80% fee savings versus traditional boleto via the Bolepix hybrid product). The go-to-market is exclusively channel-partner-driven — the company does not sell directly to end merchants, instead reaching them through PDV/POS software developers, ERP vendors, e-commerce platforms, POS hardware manufacturers, and app developers who embed Shipay's APIs and resell/distribute to their merchant customers. Marketing support is anchored on developer documentation (docs.shipay.com.br), a partner program, and content/educational assets about Pix innovations (Pix Parcelado, Duplicata Escritural, Pix Automático), reflecting a developer-relations and B2B brand approach. The company maintains LGPD (Brazilian data protection) compliance with an appointed DPO and operates with 51–100 employees.

Shipay is part of the B3 S.A. (Brasil, Bolsa, Balcão) group, Brazil's stock exchange operator; B3 ownership provides institutional credibility and regulatory alignment with Brazil's financial market infrastructure. Other named enterprise references include Burger King, Porto Seguro, Copel Energia, Grupo Madero, Jota Já, and QUALIDOC. The company is structured as a Brazilian sociedade anônima (public limited company) and continues to launch products aligned with new Banco Central rails — Bolepix (2025), Pix Automático (June 2025), Pix Parcelado (September 2025), and Duplicata Escritural (2026).

Shipay firmographics

Firmographics

Name: Shipay
Legal name: SHIPAY TECNOLOGIA S/A
Website: https://shipay.com.br
Company type: Private
Founded year: 2020
Operating status: Operating
Headcount range: 51–100 employees
Short description: Shipay is a São Paulo-based, B3-group-owned API-first payments infrastructure platform that connects Brazilian merchants to Pix, digital wallets (Mercado Pago, PicPay, Ame, etc.), and cryptocurrencies via a single integration, distributed through 400+ PDV, ERP, e-commerce, and POS partner integrations.
Ownership category
akta.pro rank

Shipay industry classification

Industry

Product category: Payment Infrastructure
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
SIC: Finance Services (6199)
akta.pro primary industry: Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
akta.pro secondary industries: Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI)

Keywords

Digital payments infrastructure
Payment orchestration platform
Pix payment API
Merchant payment solutions
Digital wallet integration

Where Shipay is headquartered

Location

Headquarters

HQ city: São Paulo
HQ country: Brazil
HQ region: Latin America

Offices2 records

Markets served

Shipay business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

Transaction Fees (Take Rate): Shipay charges merchants transaction fees for processing digital payments through their platform. The company emphasizes cost savings compared to traditional payment methods, with claims of up to 80% savings on fees for Bolepix compared to traditional boleto.
API Integration Services: Revenue generated from software houses and developers integrating Shipay's APIs into their PDV, ERP, e-commerce, and application platforms. Partners gain access to the payment ecosystem through API connections.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Transaction-based pricing with emphasis on cost savings vs traditional methods

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Shipay product offering

Product offering

Core offering

Shipay is a B2B payment orchestration company that provides a single API enabling software integrators, e-commerce platforms, mobile apps, PDV/ERP systems and merchants to accept Pix instant payments, digital wallets, and cryptocurrencies through integration with multiple Brazilian banks and payment providers. The platform exposes vertical-specific payment solutions — Loja Física (physical store), E-Commerce, Aplicativo (mobile app), WhatsApp, SmartPOS, Contas a Receber ERP and Capitalização — and a suite of standalone APIs (Cash-in, Cash-out, Reconciliation, Registration) that software houses embed into their merchant-facing products.

Product overview

Shipay is a digital payments infrastructure platform that connects businesses to Brazil's Pix ecosystem and digital wallets through a single API integration. The platform operates as a unified payment hub supporting multiple channels: physical retail (Loja Física), e-commerce, mobile applications, WhatsApp, and POS/SmartPOS terminals. Core payment products include Pix instant payments, digital wallets (PicPay, Mercado Pago, Cielo Pay, 99 Pay, Beblue, Abastece Aí), and cryptocurrency (Bitcoin, Ethereum, USDC, Binance, Foxbit Pay). Additional modules include Bolepix (Pix-enabled boleto), Pix Automático (recurring payments), Duplicata Escritural (digital B2B titles), and Banco Backup (multi-bank redundancy). The platform is part of B3 (Brazil's stock exchange), integrating with major e-commerce platforms (Magento, VTEX, Oracle, Salesforce, SAP Hybris) and providing developer tools including Cash-in, Cash-out, Registration, and Reconciliation APIs.

Differentiator

Problem solved

Functional benefit

Brands

Bolepix: A solution that replaces traditionalboletos with Pix payments, allowing instant payment confirmation and reducing costs by up to 80% in fees.

Products and services

Shipay Loja Física (Physical Store payments) Shipay's physical-store payment solution enables brick-and-mortar retailers in Brazil to accept Pix instant payments, digital wallets and cryptocurrencies at the point of sale through Shipay's single payment API and SmartPOS integrations.
Shipay E-Commerce Online-checkout payment solution for e-commerce platforms and digital merchants to accept Pix, digital wallets, and crypto via Shipay's single API, with real-time confirmation via webhooks.
Shipay Aplicativo (In-app / mobile-app payments) Payment solution enabling mobile applications to accept Pix, digital wallets and crypto from end users directly inside the app, exposed via Shipay's API for app developers.
Shipay WhatsApp Payments Conversational-commerce payment solution that lets merchants accept Pix and other supported methods from customers inside WhatsApp, integrated through Shipay's payment API.
Shipay SmartPOS / PDV Point-of-sale payment solution for PDV and SmartPOS hardware developers that want to embed Pix, wallet, and crypto acceptance into their terminals without integrating each Brazilian bank or acquirer individually.
Shipay Contas a Receber (ERP accounts-receivable) ERP-integrated accounts-receivable payment solution that connects ERP software houses to Shipay's payment rails so merchants can issue receivables and receive Pix and wallet payments directly inside their ERP back office.
Shipay Capitalização Capitalization-bond payment solution for Brazilian capitalization operators and integrators to accept payments for capitalization products through Shipay's payment API.
Bolepix Shipay solution that combines a traditional boleto with a Pix instant payment into a single transaction, letting merchants offer both legacy bill payment and instant Pix settlement through one integration.
Shipay Cash-in API Standalone Shipay API for initiating and receiving payments on Pix, wallet and crypto rails, with real-time confirmation, used by integrators and merchants who need payment initiation only.
Shipay Cash-out API Standalone Shipay API for disbursements and payouts from Shipay-connected accounts to recipients on Pix, wallet and crypto rails, used by integrators and merchants who need payout capability only.
Shipay Reconciliation API Standalone Shipay API that automates back-office reconciliation, matching inbound payments (Pix, wallets, crypto) against orders, invoices, and ERP records for integrators and merchants.
Shipay Registration API Standalone Shipay API for merchant registration and KYC data linking, used by integrators to onboard merchants onto Shipay's payment rails through a single endpoint.

Quantifiable outcome

30 billion BRL in total value transacted through platform
+5 more outcomes

Companies that use Shipay

Customer profile

Named customers10 records

Segments7 records

Ideal customer profiles2 records

Shipay technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration25 records

Feature9 records

Shipay partnerships and signals

Strategic signal

Partnerships

14 partnerships are on record, tiered core.

B3 (Bolsa do Brasil)coreStrategic or Co-development PartnerShipay is part of the B3 group, Brazil's stock exchange. This ownership provides institutional credibility, regulatory compliance support, and alignment with Brazil's financial market infrastructure. B3's involvement reinforces Shipay's positioning as a trusted payment infrastructure provider.
Mercado PagocoreTechnology or IntegrationMercado Pago is a key digital wallet integrated with Shipay's platform, allowing merchants to accept Mercado Pago payments via QR code. Partnership enables accelerated distribution of digital payments in retail automation.
PicPaycoreTechnology or IntegrationPicPay digital wallet integrated into Shipay's payment ecosystem, providing another popular payment option for merchants. When buyer CPF is provided, customers receive push notification for streamlined payment.
Ame DigitalcoreTechnology or IntegrationAme Digital wallet integrated with Shipay, with custom deep-link solution developed by Shipay to handle Android compatibility issues with Ame's standard deep-links.
VtexcoreTechnology or IntegrationMajor e-commerce platform Vtex has integrated Shipay's payment solution, enabling merchants on the Vtex platform to accept Pix and digital wallets.
MagentocoreTechnology or IntegrationLeading e-commerce platform Magento integrated with Shipay for Pix and digital wallet payment acceptance.
Oracle (Commerce Cloud)coreTechnology or IntegrationOracle e-commerce platform integrated with Shipay, enabling enterprise merchants to use Shipay's payment solutions.
Salesforce Commerce CloudcoreTechnology or IntegrationSalesforce commerce platform integrated with Shipay for payment processing capabilities.
Itaú BankcoreTechnology or IntegrationMajor Brazilian bank Itaú integrated with Shipay for Pix payments, one of 8+ banks supported on the platform.
Banco do BrasilcoreTechnology or IntegrationBanco do Brasil integrated for Pix payment processing on Shipay platform.
BradescocoreTechnology or IntegrationBradesco bank integrated for Pix payments through Shipay.
Caixa Econômica FederalcoreTechnology or IntegrationCaixa bank integrated for Pix payment acceptance via Shipay.
SantandercoreTechnology or IntegrationSantander bank integrated for Pix payments on Shipay platform.
TOTVScoreTechnology or IntegrationMajor Brazilian ERP provider TOTVS integrated with Shipay, enabling merchants using TOTVS systems to accept digital payments. Solution brings cost reduction to retailers while delivering convenience to customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Shipay competitors and assessment

Company assessment

Broad incumbents

PagSeguro / PagBank: Brazilian publicly listed acquirer and digital payments platform offering POS terminals, e-commerce gateways, and Pix/wallet acceptance. Comparable to Shipay in its SMB merchant focus and Brazilian market, but operates a much broader proprietary stack (hardware, banking, credit) rather than a pure API orchestration model.
Stone Co. One of Brazil's largest acquirers and POS providers, serving SMB merchants across physical and online channels with Pix, credit, and wallet acceptance. Comparable in target customer (Brazilian SMB) and product breadth, but with owned hardware and proprietary acquiring license rather than Shipay's pure-software aggregation approach.
Cielo: Brazil's largest card acquirer, now expanding into Pix orchestration and digital wallets for merchants and partners (including via Cielo Pay, which Shipay itself integrates). Comparable as a multi-rail Brazilian payment processor serving SMB and enterprise merchants, with established banking relationships.
Rede (Itaú): Acquirer owned by Itaú Unibanco providing POS, e-commerce, and Pix payment processing to Brazilian merchants. Comparable to Shipay as a multi-rail payment processor with deep bank integration (Itaú is one of Shipay's bank partners), but operating as a full acquirer rather than an orchestration layer.
Banco Inter (Inter&Co): Brazilian digital bank offering accounts, cards, Pix, and merchant acquiring through Inter Empresas and its own POS solutions. Comparable to Shipay in delivering Pix and wallet-native experiences to Brazilian SMBs, but operating as a chartered bank with deposits rather than as an orchestration API.
CloudWalk (InfinitePay): Brazilian fintech operating InfinitePay POS, payment links, and Pix acceptance for SMB merchants. Comparable to Shipay in targeting Brazilian SMBs with Pix-centric payment products, but with a vertically integrated POS + acquiring offering rather than a pure-API orchestration layer.

Direct peers

Zoop: Brazilian payment-orchestration platform offering APIs for Pix, boletos, cards, and wallets aimed at marketplaces, ERPs, and software platforms. Most directly comparable to Shipay: similar API-first model, similar channel-partner GTM, and overlapping product surface in Pix and wallet acceptance for SMB merchants.
Pismo: Brazil-born (and now Mastercard-acquired) cloud-native payment processing and banking API platform serving banks, fintechs, and large merchants. Comparable to Shipay in its API-first orchestration philosophy, with stronger enterprise/banking footprint but less focus on SMB POS and Pix-native workflows.
Conductor / Dock: Brazilian payment-processing-as-a-service provider offering issuer, acquirer, and account infrastructure APIs to fintechs, banks, and merchants. Comparable to Shipay in its API-first infrastructure model, though focused on issuing/processing rather than Pix-and-wallet orchestration for SMB merchants.

Others

Mercado Pago: Brazilian digital wallet and full-stack payment platform owned by MercadoLibre. Both a Shipay customer/partner (integrated as an accepted wallet) and an adjacent ecosystem player — comparable as a major Pix and wallet acceptance rail, but competing for the same SMB merchant checkout that Shipay enables through software partners.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Shipay compliance and trust

Trust signal

Compliance1 record

Shipay financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Shipay leadership team

Management profile

Number of profiles

Profiles5 records

Shipay funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Shipay 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 Shipay

What does Shipay do?

Is Shipay a public or private company?

Shipay is a private company. It is classified as corporate owned and is currently operating.

When was Shipay founded?

Shipay was founded in 2020. It employs 51 to 100 people.

Where is Shipay based?

Shipay is headquartered in São Paulo, Brazil, in the Latin America region.

How does Shipay make money?

Two revenue lines are on record. Transaction Fees (Take Rate) is the primary driver. The others are API Integration Services.

Who are Shipay's main competitors?

Broad incumbents on record are PagSeguro / PagBank, Stone Co., Cielo, Rede (Itaú), Banco Inter (Inter&Co) and CloudWalk (InfinitePay). Direct peers are Zoop, Pismo and Conductor / Dock. Mercado Pago is listed as an others.

Does Shipay have an API?

Yes. Shipay provides REST APIs for digital payments integration. The platform offers APIs for: (1) Cash-in (APIs de Cobranças) - enables receiving payments via digital wallets, Pix, and cryptocurrencies with a single integration, supporting instant, variable, or scheduled payments; (2) Cash-out (APIs de Pagamentos) - enables making payments to any Pix key in Brazil using a single integration; (3) Registration APIs - for automating client registration on the platform; (4) Reconciliation APIs - for reconciling transactions. Authentication uses mTLS certificates with Access Key, Secret Key, and Client ID. The API provides webhook callbacks for payment status notifications. OpenAPI specification available at shipay.readme.io/reference. Developer documentation is at docs.shipay.com.br.

What industry is Shipay in?

Shipay's product category is Payment Infrastructure. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 522320 and its SIC code is 6199.