What Paschoalotto does

Paschoalotto Serviços Financeiros is a Brazilian private financial services company founded in 1998 and headquartered in Bauru, São Paulo state, specializing in debt collection, credit recovery, and consumer payment facilitation. The company operates a dual-sided model: on the B2B side it acts as an outsourced recovery representative for creditor companies (banks, financial institutions, and businesses), generating revenue through transaction fees and commissions on collected debts; on the B2C side it provides individual debtors with digital channels to consult, negotiate, and settle outstanding obligations, typically charged through service fees on payment processing.

The company's core technology is the Pagou Fácil digital platform, a multichannel self-service portal (pagoufacil.com.br) that integrates web access, official WhatsApp contact at (14) 2108-8000, boleto bancário, PIX, and authorized direct debit (Débito Direto Autorizado) to enable end-to-end debt consultation and settlement. Supporting products include Quero Pagar for direct settlement, a duplicate-boleto request service, an outsourced ombudsman (Ouvidoria), and a data-subject portal built for LGPD compliance. The Clube de Vantagens loyalty program extends consumer engagement into adjacent benefits via the Benup platform. Operations are delivered through four physical offices in São Paulo state — Bauru (headquarters), Marília, Agudos, and Ribeirão Preto — alongside the digital footprint.

Revenue mechanics are transaction-fee based across both segments, with no publicly disclosed pricing. The company is private, has 1,001–5,000 employees, received a minority investment from Gávea Investimentos in 2015 (the only disclosed institutional capital event), and operates a formal Programa de Integridade e Compliance program that positions it as a regulated, audit-ready recovery partner. Geographic scope is regional, concentrated entirely within São Paulo state.

Name

Paschoalotto

Legal name

Paschoalotto Serviços Financeiros

Website

https://paschoalotto.com.br

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Paschoalotto is a Brazilian private debt-collection and financial services firm founded in 1998, serving both creditor companies (B2B) via outsourced recovery services and individual debtors (B2C) via its Pagou Fácil digital platform, operating from four offices in São Paulo state.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Recovery Services

NAICS

Collection Agencies (56144)

SIC

Finance Services (6199)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industry

Bankruptcy, Insolvency & Restructuring Servicing (Consumer) (FSAKAJAK)

Keywords

• Debt collection services
• Credit recovery outsourcing
• Consumer debt payment
• Financial services Brazil
• SAC call center services

Headquarters

HQ city

Bauru

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Debt Recovery Services for Creditor Companies: Paschoalotto acts as a representative for creditor companies in credit recovery. The company receives debts and works to negotiate and collect payments from debtors on behalf of financial institutions and other creditors. Revenue is generated through service fees or commissions from creditor companies.
2. Consumer Debt Payment Processing: Processing debt payments through digital platforms and multichannel systems, charging service fees for payment facilitation.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Paschoalotto Serviços Financeiros is a Brazilian debt collection and credit recovery company that acts as a representative for creditor companies in negotiating and collecting outstanding debts from consumers. It operates a multichannel digital platform (Pagou Fácil) that enables individual debtors to consult their CPF-linked obligations, issue boleto bancário (bank slips), pay via PIX or authorized direct debit, and regularize their credit status, while separately offering enterprise B2B debt recovery outsourcing solutions through its Para Empresas division.

Product overview

Paschoalotto Serviços Financeiros is a Brazilian financial services company specializing in debt collection, recovery, and payment solutions. The offering consists of a unified digital platform centered around Pagou Fácil, complemented by customer-facing portals for debt settlement (Quero Pagar), document requests (2ª via de boleto), and customer service (Ouvidoria). The company also operates B2B enterprise solutions (Para Empresas) for businesses requiring debt collection services, along with employee and data subject portals for internal operations and regulatory compliance. The platform primarily serves Brazilian consumers and businesses seeking to regularize outstanding debts through multichannel digital and WhatsApp-based interactions.

Differentiator

Problem solved

Functional benefit

Brands

• Pagou Fácil: Digital multichannel platform for debt payment, negotiation, and boleto (bank slip) issuance services for consumers to regularize their financial obligations.
• Clube de Vantagens

Products and services

• Pagou Fácil Self-service digital platform for Brazilian consumers to consult debts by CPF, negotiate settlements, and pay outstanding obligations via boleto, PIX, or authorized direct debit.
• Quero Pagar Online portal that allows consumers to pay and settle pending debts directly with Paschoalotto through digital channels.
• 2ª via de boleto Service enabling customers to request and obtain a duplicate bank slip (boleto) for payment of outstanding Paschoalotto debts.
• Clube de Vantagens Customer benefits club offering exclusive deals and advantages to Paschoalotto customers, powered by the Benup platform.
• Para Empresas (Enterprise Debt Recovery) B2B offering where Paschoalotto acts as a representative for creditor companies (banks, financial institutions, businesses) in negotiating and recovering outstanding receivables.
• Ouvidoria (Ombudsman Service) Ombudsman portal providing a dedicated channel for clients to register complaints, disputes, and unresolved matters for issue resolution by Paschoalotto.
• Débito Direto Autorizado (Authorized Direct Debit) Authorized direct debit service allowing account holders to view and control bank slips issued under their CPF or CNPJ, enabling automatic payment via their bank account.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Ativos S.A. Major Brazilian debt collection and credit management company that competes directly with Paschoalotto in recovery outsourcing for banks, telcos, and retailers across Brazil.
• Serasa Experian: Brazil's largest credit bureau and debt collection operator, directly competing with Paschoalotto in third-party debt recovery services for major Brazilian financial institutions and retailers.
• Boa Vista SCPC: Brazilian credit bureau and debt collection services provider, offering similar B2B recovery solutions to financial institutions and consumer-facing credit management tools comparable to Pagou Fácil.
• Recovery Brasil: Brazilian debt recovery and credit portfolio management firm offering B2B collection services similar to Paschoalotto's Para Empresas division, serving banks and financial institutions.
• Acordo Certo: Digital debt negotiation platform in Brazil enabling consumers to settle debts online, directly competing with Paschoalotto's Pagou Fácil consumer-facing service model.

Emerging players

• QueroQuitar: Brazilian digital debt settlement platform focused on consumer debt negotiation, competing with Paschoalotto's online channels with a similar self-service B2C value proposition.
• Z1: Brazilian digital banking app targeting younger consumers with financial management features, partially overlapping with Paschoalotto's consumer financial wellness and debt regularization positioning.
• Mutuus: Brazilian debt negotiation and credit recovery platform serving both consumers and businesses, competing with Paschoalotto's hybrid B2B/B2C debt settlement offering.

Broad incumbents

• Banco BMG: Large Brazilian commercial bank with significant in-house collections operations and consumer credit recovery capabilities, representing both a potential client and competitor to Paschoalotto's B2B services.

Regional players

• Credz: Brazilian financial services and credit management company offering debt-related products, comparable to Paschoalotto in its focus on consumer credit regularization and payment solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xfacebook.com/paschoalotto
• Facebookfacebook.com/paschoalotto
• Instagraminstagram.com/paschoalotto
• LinkedInlinkedin.com/company/paschoalotto

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Paschoalotto