TUNA

What TUNA does

Tuna Pagamentos Ltda. is a Brazilian payment orchestration platform that enables e-commerce merchants to connect to more than 50 payment providers, acquirers, anti-fraud solutions, and PIX connections through a single API integration. The core platform combines a no-code flow builder for configuring routing logic, context-based routing that adapts to transaction risk and customer history, and A/B testing of acquirer performance. Beyond the orchestration layer, Tuna has developed proprietary sub-products including TunaPay for processing, Tuna Velocity for fraud burst detection, and Tuna Split for marketplace commission distribution. The platform also supports payment links for social commerce, facial biometrics for payment authentication (via Unico IDPay), private-label credit card programs for retailers, and pre-built plugins for VTEX, Magento, WooCommerce, and Wake Commerce.

Tuna monetizes through a transaction-fee model that charges only on authorized card, payment slip, and PIX transactions, aligning its revenue with merchant success rather than fixed SaaS fees. Its go-to-market pairs a product-led self-serve console with enterprise sales targeting merchants processing above R$1MM monthly revenue and 10,000+ monthly transactions. Documented customers include more than 50 brands across Brazilian retail, fashion, grocery, food delivery, and events — Reebok, Riachuelo, Diesel, Carters, New Balance, Caterpillar, Sympla, Angeloni, Supernosso, Ze-Delivery — with measurable outcomes including 88% chargeback cost reduction at Reebok, 49% anti-fraud cost reduction at Supernosso, 19% net revenue improvement at Baw Clothing, 21% transaction approval improvement at Trocafone, and 16.4% conversion rate improvement at GoldKo. Headquartered in São Paulo and incorporated as Tuna Pagamentos Ltda. (CNPJ: 43.098.655/0001-57), the company holds PCI DSS Level 1 certification and has begun expanding into Uruguay through its partnership with Plexo.

Name

TUNA

Legal name

Tuna Pagamentos Ltda.

Website

https://tunapagamentos.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Tuna Pagamentos is a Brazilian payment orchestration platform that connects e-commerce merchants to 50+ payment providers, acquirers, anti-fraud solutions, and PIX connections through a single API, serving enterprise and mid-market retailers across Brazil and Latin America.

Ownership category

akta.pro rank

Product category

Payment Orchestration / Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Smart Routing, Cascading & Payment Optimization (FSAMACAJ), Merchant Acquiring & Processing Platforms (BPAMAFAB), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment orchestration
• Payment processing
• Anti-fraud solutions
• Payment routing
• Marketplace payments

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees on Authorized Payments: Tuna charges fees only for authorized transactions on card, payment slip, and PIX. This aligns Tuna's incentives with the merchant's revenue, as they only earn when a transaction generates revenue for the merchant. For Payment Link, Tuna charges only for Tuna Pay and Tuna Antifraude fees, with the payment link feature itself provided at no cost.
2. Payment Orchestration Platform Fees: Revenue generated from providing payment orchestration, routing, A/B testing, and anti-fraud services to merchants processing high transaction volumes.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Tuna provides a payment orchestration platform that lets merchants connect to 50+ payment providers, acquirers, anti-fraud solutions, and PIX connections through a single API integration. The platform includes a no-code flow builder for routing logic, A/B testing of acquirers, context-based transaction routing, and split payment functionality for marketplace models. Tuna charges transaction-based fees on authorized card, PIX, and bank slip payments, plus optional anti-fraud and proprietary payment processing fees.

Product overview

TUNA is an online payment orchestration platform that provides a single unified API integration connecting merchants to 50+ payment providers, acquirers, anti-fraud solutions, and PIX connections. The core platform enables payment flow optimization with A/B testing, context-based routing, and automated provider switching. The product portfolio includes the Payment Orchestration Platform as the central hub, Multiple Connections for accessing diverse payment providers, Payment Split for marketplace commission distribution, Payment Link for social commerce, Tuna Pay proprietary payments, Tuna Velocity for fraud velocity detection, Unico IDPay for facial biometrics, VTEX Solutions, and a Console System with Plugins and SDKs for accelerated integration across e-commerce platforms and mobile applications.

Differentiator

Problem solved

Functional benefit

Brands

• TunaPay: Payment solution offered by Tuna for split payments and payout processing
• Tuna Velocity
• Tuna Split

Products and services

• Payment Orchestration Platform Core SaaS platform that centralizes connections to multiple payment providers, acquirers, and anti-fraud solutions. Merchants use it to configure routing logic, run A/B tests across acquirers, and optimize approval and fraud rates without changing code.
• Multiple Connections Integration hub that exposes 50+ payment providers, acquirers, anti-fraud solutions, and PIX connections through a single Tuna API, so merchants can add or swap providers without re-coding their checkout.
• Payment Split Marketplace split-payment product that automatically distributes funds between sellers with configurable commission rates, transfer schedules, and receipt participation rules. Includes a white-label shopkeeper portal for self-management.
• Payment Link Link-based acceptance product that lets merchants take payments through URLs shared on WhatsApp, SMS, email, or social channels, with no website or card machine required. Supports PIX and credit cards up to 12 installments.
• Tuna Pay Tuna's own proprietary payment processor supporting PIX, credit card, and bank slip with integrated split functionality, offered as a connection option on the orchestration platform.
• Tuna Velocity Tuna's native anti-fraud module that automatically detects bursts of credit card fraud attempts in real-time to help merchants stop attacks before losses occur.
• Plugins and SDKs Integration accelerators including pre-built plugins for VTEX, Magento, WooCommerce, and Wake Commerce, plus SDKs for JavaScript, iOS, Android, Kotlin, Node.js, C#, Flutter, and Dart.

Named customers48 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration46 records

AI capability9 records

Feature9 records

Partnerships

35 partnerships are on record, tiered core.

• VTEXcoreTechnology or IntegrationVTEX is a major e-commerce platform partner. Tuna offers a pre-built plugin for VTEX and dedicated VTEX solutions including recurring user identification, Masterdata bureau, data enrichment, and VTEX anti-fraud integration via the VTEX API.
• Unico ID PaycoreTechnology or IntegrationFacial biometrics integration for verifying payment authenticity. Tuna provides a simplified connection enabling merchants to offer modern, secure biometric verification.
• NuPaycoreTechnology or IntegrationNuPay enables Nubank debit/credit payments and split payments without requiring anti-fraud. Tuna manages this connection as a Tuna-managed service.
• CyberSourcecoreTechnology or IntegrationCyberSource provides VISA's anti-fraud infrastructure with over 69 billion transactions processed annually. Available both as a direct connection and via Tuna-managed CyberSource via Tuna.
• ClearSalecoreTechnology or IntegrationComplete fraud management solutions for different business models. Tuna provides a simplified plug-and-play integration.
• KondutocoreTechnology or IntegrationPioneer in machine learning technologies and browsing behavior monitoring to combat fraud. Available as a plug-and-play connection.
• StripecoreTechnology or IntegrationGlobal payments infrastructure enabling Tuna merchants to receive payments from customers around the world in minutes.
• Mercado PagocoreTechnology or IntegrationMercado Pago integration for credit card and PIX payments, as well as bank slips. Enables merchants to offer installment options with or without surcharge.
• RedecoreTechnology or IntegrationCredit card acquiring solution for large and medium-sized retailers with real-time transaction monitoring.
• CielocoreTechnology or IntegrationBrazilian payment acquirer serving businesses of all sizes. Integrated for credit card and bank slip processing.
• ItaúcoreTechnology or IntegrationSplit Tuna via Itaú enables PIX and bank slip payments using Banco Itaú accounts. Managed and provided by Tuna.
• Banco do BrasilcoreTechnology or IntegrationSplit Tuna Bank of Brazil enables PIX, bank slip, and split payments. PIX rates included in Corporate Benefit Baskets.
• Pagar.mecoreTechnology or IntegrationPayment system supporting credit card, anti-fraud, and split payments. Mundipagg (now part of Pagar.me) also integrated.
• PagSeguro / PagBankcoreTechnology or IntegrationReady-to-use e-commerce payment solutions including credit card and PIX via PagBank.
• GetnetcoreTechnology or IntegrationE-commerce payment solutions for credit card, anti-fraud, and bank slips.
• SafraPaycoreTechnology or IntegrationInstallment payments up to 12 months, major card brands, and Banco Safra corporate account benefits. Integrated for credit card, anti-fraud, PIX, and bank slips.
• StonecoreTechnology or IntegrationBrazilian payment acquirer available as a payment connection within Tuna's orchestration platform.
• BradescocoreTechnology or IntegrationPIX and bank slip payment accepting via Bradesco, integrated through Tuna.
• PayPalcoreTechnology or IntegrationCredit card and wallet integration powered by over 430 million active accounts and AI, available through Tuna.
• GerencianetcoreTechnology or IntegrationPIX and bank slip integration for micro, medium, and large companies, e-commerce, stores, and supermarkets.
• SignifydcoreTechnology or IntegrationAI-powered fraud protection with Guaranteed Fraud Protection, eliminating fraud losses while prioritizing customer experience.
• SiftcoreTechnology or IntegrationAI-powered decisioning platform for master risk management, receiving insights from a massive global merchant database.
• QuodcoreTechnology or IntegrationBureau-based solution checking reliability of credit card issuers' CPF in real time, ideal for verifying digital transaction authenticity.
• KoincoreTechnology or IntegrationMachine learning-based anti-fraud with over 10 years of database history, providing flexibility and agility.
• AdyencoreTechnology or IntegrationGlobal payment acquirer providing local payment methods for global customers, integrated for credit card, PIX, and bank slips.
• Magneto / WooCommercecoreTechnology or IntegrationPre-built plugins for Magento and WooCommerce e-commerce platforms enabling fast integration.
• Wake CommercecoreTechnology or IntegrationPlugin for Wake Commerce platform enabling online payment acceptance via Tuna.
• VisacoreTechnology or IntegrationVisa's payment infrastructure is leveraged through CyberSource anti-fraud integration, which processes over 69 billion transactions annually worldwide.
• MastercardcoreTechnology or IntegrationMajor card network supported across Tuna's credit card connections.
• StarkBankcoreTechnology or IntegrationPIX payment acceptance via StarkBank integrated through Tuna.
• Trace FinancecoreTechnology or IntegrationPIX payment acceptance via Trace Finance integrated through Tuna.
• AarincoreTechnology or IntegrationPIX payment acceptance via Aarin integrated through Tuna.
• CERC (Regulatory)coreTechnology or IntegrationTuna offers a consulting program to integrate with CERC, ensuring BACEN (Brazilian Central Bank) regulatory compliance for Split implementations.
• BraspagcoreTechnology or IntegrationPayment platform with over 10 years of history, being the first gateway in Brazil. Integrated for credit card and bank slip payments.
• Street CredcoreTechnology or IntegrationIdentifies repeat users to save on anti-fraud costs with most loyal buyers, reducing unnecessary friction for trusted customers.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Stripe: Global payments platform that has expanded into payment orchestration features (smart routing, network tokens, Stripe Connect for marketplaces) and is already integrated into Tuna's connection hub. It competes for the same enterprise merchants, particularly those seeking cross-border capabilities, but operates at vastly greater scale and with broader geographic coverage.
• Adyen: Global unified payments platform that handles acquiring, optimization, and routing natively. It is a Tuna partner connection but also a competitor when merchants evaluate a single-vendor global platform versus a regional orchestration layer, particularly for cross-border LatAm volume.
• Mercado Pago: Mercado Libre's payment platform and a dominant acquirer in Brazil with PIX, credit card, and bank slip support. It is integrated as a Tuna connection but also competes directly with Tuna for Brazilian merchant volume, especially among marketplace and SMB merchants.

Direct peers

• Pagar.me: Major Brazilian payment gateway supporting credit card, anti-fraud, and split payments. It is both a partner connection within Tuna and a competitor targeting the same Brazilian merchants with increasingly bundled orchestration-adjacent features.
• PagBank / PagSeguro: Major Brazilian acquirer and gateway offering ready-to-use e-commerce payment solutions including credit card and PIX. Competes with Tuna for Brazilian e-commerce merchants, particularly mid-market, while also serving as a connection within Tuna's orchestration stack.
• EBANX: Cross-border payments platform focused on Latin America with similar merchant focus to Tuna. It targets global merchants needing LatAm payment methods and competes for the same cross-border e-commerce payment volume flowing through Brazil and other LatAm markets.
• Braspag: One of the first payment gateways in Brazil with 10+ years of history, integrated within Tuna and competing for the same enterprise Brazilian e-commerce merchants with bundled credit card and bank slip processing.
• Spreedly: US-based payment orchestration platform providing a single API to connect merchants with multiple gateways and 3rd-party vaults. It is the closest pure-play global analogue to Tuna's orchestration thesis, though it is more globally distributed and less focused on Brazil-specific payment methods like PIX.
• Primer: Payment orchestration platform offering unified API access to acquirers, fraud tools, and optimization features with a no-code workflow builder. It competes globally for the same merchant persona (mid-market and enterprise e-commerce) that Tuna targets, although Primer's geographic distribution differs.

Others

• VTEX: Major Brazilian-headquartered e-commerce platform and a core strategic partner of Tuna. While not a direct payment processor, VTEX's commerce OS shapes payment routing decisions for many of Tuna's mid-market customers and influences which orchestration providers win Brazilian merchant integrations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• GitHubgithub.com/tuna-software
• Facebookfacebook.com/tunapagamentos
• LinkedInlinkedin.com/company/tunapagamentos
• Instagraminstagram.com/tuna.pagamentos
• Xx.com/TunaPagamentos

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 TUNA