Cobre Fácil
Cobre Fácil is a Brazilian cloud-based recurring billing and payment management platform that automates boleto, credit card, PIX and NFS-e collections for small and medium businesses, with vertical solutions for schools, agencies, real estate, accountants, SaaS firms and clinics.
- Company typePrivate
- Founded2016
- HeadquartersAraranguá, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Cobre Fácil does
Cobre Fácil is a Brazilian cloud-based recurring billing and payment management platform that automates collections for small and medium businesses. Its product suite covers registered boleto (boleto registrado) issuance, credit card recurring charges with up to three automatic retry attempts, PIX instant payment collection, installment carnês, shareable payment links compatible with WhatsApp, Instagram and Messenger, automatic electronic service invoice (NFS-e) issuance triggered upon payment confirmation across more than 1,600 Brazilian municipalities, and online bill protest through a Protesto24h partnership covering 3,000+ municipalities. The company operates an API-first distribution channel targeting SaaS firms and developers, alongside six vertical-specific solutions for advertising agencies, schools, real estate, accountants, SaaS companies, and clinics, each with tailored workflows for recurring fees and automated NFS-e. Cobre Fácil is headquartered in Araranguá, Santa Catarina, and has been invested in by FEBACAPITAL, whose executives hold board seats.
The business model combines a freemium distribution funnel with a R$49.90/month PRO tier (R$99 list, 15-day no-credit-card trial) and per-transaction fees: R$1.90 per paid boleto on PRO versus R$3.50 on Basic, 2.12% per credit card transaction on PRO versus 4.14% on Basic, R$0.99 per PIX received on PRO, and a 1.99% per-parcel antecipa\u00e7\u00e3o fee. Revenue is generated exclusively in Brazilian Reais from a Brazilian SMB base, with no disclosed transaction volumes, customer counts, or annual revenue. The go-to-market motion is product-led self-serve through cobrefacil.com.br, supplemented by content marketing via the 'Empreendendo e Aprendendo' blog (over 600 posts) and direct WhatsApp and phone-based sales.
Cobre Fácil firmographics
Firmographics- Name
- Cobre Fácil
- Legal name
- COBRE FACIL ONLINE LTDA - ME
- Website
- https://cobrefacil.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cobre Fácil is a Brazilian cloud-based recurring billing and payment management platform that automates boleto, credit card, PIX and NFS-e collections for small and medium businesses, with vertical solutions for schools, agencies, real estate, accountants, SaaS firms and clinics.
- Ownership category
- akta.pro rank
Cobre Fácil industry classification
Industry- Product category
- Recurring Billing & Payment Collection Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (513210)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Accounts Payable (Invoice Processing, 2/3-Way Match, Vendor Payments) (BPAAAGAA)
Keywords
Where Cobre Fácil is headquartered
LocationHeadquarters
- HQ city
- Araranguá
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Cobre Fácil business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Revenue: Monthly subscription fees from PRO plan at R$49.90/month, providing access to advanced features including unlimited payment links, recurring credit card charges, PIX billing, unlimited NFS-e issuance, collection ruler, antifraud, and financial management dashboard.
- Transaction Fees - Boleto: Per-transaction fee on paid bank slips: R$3.50 per boleto on Basic plan and R$1.90 per boleto on PRO plan. This is the primary per-transaction revenue stream.
- Transaction Fees - Credit Card: Percentage-based fee on credit card transactions: 4.14% per parcel on Basic plan and 2.12% per transaction on PRO plan, plus 1.99% per parcel for early payment (antecipação).
- Transaction Fees - PIX: R$0.99 per PIX charge received, available exclusively on the PRO plan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free plan with core billing features and higher transaction fees |
| Subscription | Monthly | R$49.90/month PRO plan with full feature access and lower transaction fees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Cobre Fácil product offering
Product offeringCore offering
Cobre Fácil operates a Brazilian recurring billing and payment-collection platform aimed at SMBs and entrepreneurs. The platform consolidates multiple Brazilian payment rails — boleto bancário, cartão de crédito, PIX, NFS-e, carnê, and payment links — into a single dashboard, with vertical-specialized editions for agencies, schools, real estate, accountants, SaaS companies, and clinics, and exposes an API for partner integrations.
Product overview
Cobre Fácil is a Brazilian recurring billing and payment collection platform that offers a unified system for small and medium businesses to automate client charges. The core platform consists of multiple integrated modules: Controle de Mensalidade for subscription management, Cobrança Recorrente for automated recurring payments, Boleto Bancário for bank bill issuance, Cartão de Crédito for credit card collection, PIX Cobrança for instant payments, Carnê for installment plans, Link de Pagamento for shareable payment links, and Nota Fiscal Eletrônica for automatic tax invoice issuance. The PRO tier adds intelligent financial management (Gestão Financeira PRO) with analytics dashboards and contract management. The platform also provides sector-specific vertical solutions for advertising agencies, schools, real estate agencies, accountants, SaaS companies, and clinics. The system includes automated reminders via SMS and email, client portal access, anti-fraud protection, and an online bill protest integration via Protesto24h partnership. Pricing operates on a free Basic tier and a R$49.90/month PRO tier with different transaction rates per payment method.
Differentiator
Problem solved
Functional benefit
Brands
- Protesto24h: An online protest service integrated with Cobre Fácil allowing users to protest unpaid bills digitally through a cartório partnership.
Products and services
- Cobre Fácil Recurring Billing Platform
Quantifiable outcome
- 60% of debtors regularize their debts after online protest if charged promptly after due date
- +1 more outcomes
Companies that use Cobre Fácil
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles1 record
Cobre Fácil technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Cobre Fácil partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Protesto24hcoreIntegration partnership enabling Cobre Fácil customers to protest unpaid bills 100% online through the Protesto24h platform. Covers more than 3,000 Brazilian municipalities. On average, 60% of debtors regularize their debts following an online protest if charged promptly after the due date. Protested debtors are automatically reported to credit bureaus.
- ABFintechs (Associação Brasileira de Fintechs)minorCobre Fácil is an associate member of ABFintechs, the Brazilian Fintech Association, indicating participation in the Brazilian fintech ecosystem and industry advocacy.
- ABStartupsminorCobre Fácil is an associate member of ABStartups, the Brazilian Startups Association, indicating participation in the Brazilian startup ecosystem.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Cobre Fácil competitors and assessment
Company assessmentDirect peers
- Vindi: Vindi is a Brazilian recurring billing and subscription management platform serving SMBs and SaaS companies with credit card, boleto, and PIX support. It competes head-to-head with Cobre Fácil's PRO tier offerings around subscription plans, retries, and payment link distribution.
- Asaas: Asaas is a Brazilian recurring billing and payment platform offering boleto, PIX, credit card, and NFS-e for SMBs across Brazil. It is the closest direct competitor to Cobre Fácil, addressing the same horizontal SMB segment with a comparable product-led, freemium-style proposition.
- Iugu: Iugu is a Brazilian payment gateway focused on recurring billing, subscriptions, and marketplace splits, widely used by SaaS and SMBs. It directly competes with Cobre Fácil's recurring billing, credit card retry, and subscription management capabilities.
Broad incumbents
- EBANX: EBANX is a Brazilian-founded cross-border and domestic payments processor serving global merchants entering Latin America. While it overlaps less on SMB self-serve billing, it competes in the same payment-processing layer where Cobre Fácil offers PIX, boleto, and card acceptance for Brazilian merchants.
- Pagar.me: Pagar.me is a Brazilian payment processor owned by Stone that offers payment APIs, PIX, boleto, and credit card processing for online businesses. It is a broader incumbent providing the underlying rails Cobre Fácil competes against for SMB acquiring and online checkout.
- PagBank PagSeguro: PagBank PagSeguro is one of the largest Brazilian payment acquirers offering accounts, cards, boleto, PIX, and online checkout for SMBs and individuals. As a broad incumbent, it overlaps with Cobre Fácil across SMB payment acceptance and could expand further into recurring billing.
- Mercado Pago: Mercado Pago is the fintech arm of Mercado Livre and a dominant Brazilian payment platform offering QR, PIX, credit, and merchant credit products. It is a broad incumbent that targets the same SMB and individual seller base with a much larger distribution footprint.
Emerging players
- Granatum: Granatum is a Brazilian cloud financial management and billing software targeting small businesses and freelancers. It addresses the same SMB segment as Cobre Fácil with invoicing, receivables, and recurring billing, but with a less developed payments-rail integration.
- Conta Azul: Conta Azul is a Brazilian SMB management platform that includes financial management, billing, and collections features for service businesses. It is an emerging player with meaningful overlap to Cobre Fácil's SMB financial management dashboard and recurring billing functionality.
- Zoop: Zoop is a Brazilian fintech-as-a-service platform (now part of Stone) offering payment APIs, PIX, boleto, and card processing infrastructure. It competes with Cobre Fácil's API-first distribution and embedded payment capabilities at the developer/SaaS layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights7 records
Customer concentration
Cobre Fácil social profiles
Digital presenceCobre Fácil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cobre Fácil leadership team
Management profileNumber of profiles
Profiles1 record
Cobre Fácil funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cobre Fácil 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 Cobre Fácil
What does Cobre Fácil do?
Cobre Fácil operates a Brazilian recurring billing and payment-collection platform aimed at SMBs and entrepreneurs. The platform consolidates multiple Brazilian payment rails — boleto bancário, cartão de crédito, PIX, NFS-e, carnê, and payment links — into a single dashboard, with vertical-specialized editions for agencies, schools, real estate, accountants, SaaS companies, and clinics, and exposes an API for partner integrations.
Is Cobre Fácil a public or private company?
Cobre Fácil is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cobre Fácil founded?
Cobre Fácil was founded in 2016. It employs 11 to 50 people.
Where is Cobre Fácil based?
Cobre Fácil is headquartered in Araranguá, Brazil, in the Latin America region.
How does Cobre Fácil make money?
Four revenue lines are on record. Subscription Revenue is the primary driver. The others are transaction Fees - Boleto, transaction Fees - Credit Card and transaction Fees - PIX.
Who are Cobre Fácil's main competitors?
Direct peers on record are Vindi, Asaas and Iugu. Broad incumbents are EBANX, Pagar.me, PagBank PagSeguro and Mercado Pago. Emerging players are Granatum, Conta Azul and Zoop.
Does Cobre Fácil have an API?
Yes. Cobre Fácil offers a complete payment API for developers to integrate payment collection and receipt functionality into their own systems. The API supports webhooks for payment status notifications, allowing developers to build custom payment workflows. It integrates with ERP systems, websites, and applications. Developer documentation is at developers.cobrefacil.com.br.
What industry is Cobre Fácil in?
Cobre Fácil's product category is Recurring Billing & Payment Collection Software. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management). Its NAICS code is 522320 and its SIC code is 7320.