Cobre Fácil

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.

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

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

• Recurring billing software
• Payment collection platform
• Brazilian fintech
• Online payment processing
• Subscription billing

Headquarters

HQ city

Araranguá

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, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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).
4. Transaction Fees - PIX: R$0.99 per PIX charge received, available exclusively on the PRO plan.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers6 records

Segments7 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Protesto24hcoreTechnology or IntegrationIntegration 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)minorOthersCobre Fácil is an associate member of ABFintechs, the Brazilian Fintech Association, indicating participation in the Brazilian fintech ecosystem and industry advocacy.
• ABStartupsminorOthersCobre 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

Direct 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

• Facebookfacebook.com/cobrefacilonline

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Cobre Fácil