Tiaxa

What Tiaxa does

Bemobi (traded as BMOB3 on B3 Novo Mercado since 2021) is a Brazilian AI-native payments platform that processes recurring billing for regulated enterprises across Latin America. The company serves large service companies in utilities, telecom, education, healthcare, and — increasingly — B2B2B marketplaces, with 12 of the 15 largest essential-services companies in Brazil among its roughly 1,600 active clients and a stated TPV annual run rate exceeding R$14 billion at 4T25 across 63 countries. The product surface is organized around five core modules: Smart Checkout (white-label omnichannel digital checkout), Smart POS (in-person terminal with Tap on Phone capability), IA Conversacional (WhatsApp-based conversational AI agents that handle billing and payment in-thread), Orquestração Inteligente (AI-driven multi-acquirer routing, retries, and fraud prevention), and Gestão de Pagamentos (automated reconciliation and revenue forecasting), supplemented by a white-label PaaS infrastructure for marketplaces and ecosystems introduced alongside the 2026 Paytime acquisition. Underlying technology includes SDKs for iOS/Android/Flutter/React Native, native integrations to Apple Pay, Google Pay, and Click to Pay, full Pix modality coverage (QR Code, Automatic, Biometric, Contactless), and an AI layer trained on the largest recurring billing dataset in Latin America covering 200M+ invoices annually.

The business model combines transaction fees on processed payment volume with recurring SaaS/platform subscriptions, white-label licensing royalties for PaaS deployments, and managed services for reconciliation and back-office operations. Go-to-market is enterprise field sales targeting large recurring-revenue businesses in Latin America, with a dedicated direct sales motion and "Fale com especialista" specialist engagement. Pricing is quote-based and not publicly disclosed, reflecting negotiated enterprise contracts tied to transaction volume and service scope. The company is publicly listed on B3 (BMOB3), ranked Top 3 in the technology sector on the exchange, and is certified as a Great Place to Work since 2015. Founded in 2009 originally around digital content and mobile gaming payments, Bemobi pivoted between 2020 and 2024 into vertical-specialized recurring payments, executed two acquisitions in 2024 (Nomo and Friday IP), and added a sixth business vertical (marketplaces/ecosystems) via the Paytime acquisition in 2026.

Name

Tiaxa

Legal name

Bemobi, Inc.

Website

https://tiaxa.com

Company type

Public

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

Bemobi is a Brazilian AI-native payments platform that processes recurring billing for large enterprises in utilities, telecom, education, healthcare, and marketplaces across 63 countries, serving 1,600+ clients and exceeding R$14B in annual TPV run rate.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

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

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment orchestration
• Payment processing
• Conversational AI payments
• Recurring billing
• White-label payments

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing and Transaction Fees: Revenue generated from processing payments across omnichannel platforms including online checkout, in-person POS, WhatsApp, and digital wallets. Takes a percentage or fee per transaction processed.
2. SaaS Platform Fees: Subscription and platform fees for access to payment orchestration, management, and AI conversational tools. Enterprise customers pay for the complete platform.
3. White-label Infrastructure (PaaS): White-label payment infrastructure for ecosystems and marketplaces, providing complete payment stack under the partner's brand.
4. Managed Services: Managed payment services including reconciliation, forecasting, and backoffice operations for enterprise clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Tiaxa provides an AI-native payments platform with omnichannel orchestration for enterprise clients in Latin America. The platform delivers payment processing, intelligent routing across acquirers, white-label checkout and POS, conversational AI for WhatsApp payments, and payment management services. It serves recurring billing sectors including utilities, telecom, healthcare, education, and digital ecosystems with deep vertical specialization and regulatory knowledge.

Product overview

Bemobi is a Brazilian technology company offering a complete payment platform with five core products: Smart Checkout (omnichannel digital payments), Smart POS (in-person payments with white-label terminals), IA Conversacional (WhatsApp-based conversational AI payments), Orquestração Inteligente (AI-powered payment orchestration with routing and fraud prevention), and Gestão de Pagamentos (automated reconciliation and revenue forecasting). Additional offerings include PaaS White-Label for ecosystems and marketplaces. The platform serves Utilities, Telecom, Education, and Health industries across 63 countries, processing over R$14 billion annually.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Checkout: Omnichannel online payment checkout that adapts the journey to each customer and converts in any channel with all payment methods integrated.
• Smart POS
• IA Conversacional
• Orquestração Inteligente
• Gestão de Pagamentos
• Tap on Phone
• PaaS White-Label
• M4 Produtos e Serviços Ltda

Products and services

• Smart Checkout White-label omnichannel checkout solution that adapts the payment journey to each customer and converts across any channel (web, mobile app, WhatsApp, payment links). Supports all payment methods including Pix, cards, and digital wallets with client's brand identity.
• Smart POS Intelligent white-label POS terminal that transforms in-person service into revenue collection. Accepts all payment methods with multi-operator technology for transactions even in low-connectivity areas, including Tap on Phone capability.
• IA Conversacional Conversational AI platform that unifies customer service, billing, and payment within WhatsApp conversations. AI-guided journeys process text, audio, and image inputs to deliver invoices and complete payments without redirecting customers.
• Orquestração Inteligente AI-powered payment orchestration with dynamic gateway connecting to multiple acquirers, intelligent retry motors, multi-rail routing for Pix (QR Code, Automatic, Biometrics, Contactless), and industry-specific fraud prevention.
• Gestão de Pagamentos Managed payment services with automated reconciliation. Backoffice crosses contracts, invoices, and payments for real-time reconciliation and automatic invoice settlement, with revenue forecasting and governance dashboard.
• PaaS White-Label for Ecosystems White-label payment infrastructure-as-a-service for ecosystem leaders including franchises, B2B2B distributors, and marketplaces. Features split payments at origin, automatic transfers, reconciliation, multi-level management, and digital accounts.

Quantifiable outcome

• Reduced involuntary churn through intelligent routing and retry
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability9 records

Feature11 records

Partnerships

Three partnerships are on record, tiered core.

• NomocoreStrategic or Co-development PartnerAcquisition completed during 2024-2026 expansion phase, contributing to vertical specialization strategy.
• Friday IPcoreStrategic or Co-development PartnerAcquisition completed during 2024-2026 expansion phase, contributing to vertical specialization strategy.
• PaytimecoreStrategic or Co-development PartnerAcquisition completed for new Marketplaces and Ecosystems business unit creation in 2026.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stone: Brazilian payments company providing acquiring, payment processing, and omnichannel solutions to SMBs and enterprises. Directly competes with Bemobi in Brazilian payment processing and POS infrastructure.
• PagSeguro: Brazilian fintech offering payment processing, POS, and digital commerce solutions. Comparable as a public Brazilian payments platform competing for enterprise and SMB merchants.
• EBANX: LATAM-focused cross-border and local payments platform. Comparable to Bemobi in serving large enterprises with multi-rail payment orchestration across Brazil and neighboring markets.
• Dock: Brazilian fintech infrastructure provider offering payment processing, issuing, and digital banking APIs. Comparable as a payment infrastructure competitor with similar B2B focus.
• Pismo (Visa): Cloud-native payment processing and orchestration platform acquired by Visa. Directly competes with Bemobi in payment orchestration, particularly for financial institutions and large enterprises.

Broad incumbents

• Cielo: Brazil's largest card acquirer offering payment processing and POS. Relevant comparable as a broad incumbent in Brazilian payment acceptance, though narrower in orchestration and digital channels.
• Adyen: Global payment orchestration platform. Comparable as a broad incumbent expanding into LATAM, competing for the same enterprise merchants Bemobi serves.
• Stripe: Global payment infrastructure provider. Competes with Bemobi in payment processing and orchestration for enterprise customers across multiple verticals, with growing Latin America presence.
• Mercado Pago: LATAM fintech from Mercado Livre with digital wallet, POS, and payment processing. Comparable as a broad incumbent in Brazilian payments with significant omnichannel presence.
• Rede (Itaú): Brazilian acquirer owned by Itaú Unibanco. Relevant incumbent in payment acceptance in Brazil, with overlapping capabilities in POS and enterprise solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tiaxa-ltd-
• Facebookfacebook.com/tiaxa-181470655243249

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds6 records

Investors5 records

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 Tiaxa