One Bank
One Bank is a Brazilian Central Bank-authorized digital payments company that provides integrated digital accounts and POS terminals to small and medium entrepreneurs, enabling card acceptance, receivables anticipation, and CIP wallet-based instant payments through a PCI-compliant platform.
- Company typePrivate
- Founded2016
- HeadquartersBarueri, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What One Bank does
One Bank (legal entity: PROFINTECH CONSULTORIA EMPRESARIAL LTDA, CNPJ 31.856.448/0001-35) is a Brazilian digital payment services company (meio de pagamentos) founded around 2016 and headquartered in Alphaville Barueri, São Paulo. The company targets small and medium entrepreneurs under a 'desbancarização' (de-banking) positioning, offering an integrated financial technology platform that combines a digital business account with point-of-sale (POS) card terminals ('maquininhas'), receivables anticipation, and native integration with the CIP (Carteira de Pagamentos Instantâneos) wallet. The platform is PCI-DSS compliant and operates under authorization from Brazil's Central Bank (Banco Central).
The technology stack centers on a PCI-compliant digital payments platform delivered through iOS and Android mobile applications and physical POS hardware. Distribution is exclusively domestic (Brazil), executed through a product-led growth motion: self-service app downloads via Apple Store and Play Store, organic social channels (Instagram, Facebook, LinkedIn), and WhatsApp-led onboarding and customer support. The company has accumulated 10,000+ registered merchants over 8 years of operation with a lean 11–50 employee base, and no external funding rounds, acquisitions, or partnership announcements have been disclosed.
One Bank generates revenue primarily through transaction fees (take rates) on card payments processed through POS terminals and digital accounts, with secondary income from POS terminal provision (likely rental/leasing). Pricing is marketed as competitive but not publicly disclosed in tiers. Customer support is delivered via WhatsApp and email ([email protected]), and no enterprise or anchor customer relationships are disclosed — revenue is distributed across a long tail of SMB merchants, with concentration risk tied to Brazilian SMB macroeconomic cycles rather than any single account.
One Bank firmographics
Firmographics- Name
- One Bank
- Legal name
- PROFINTECH CONSULTORIA EMPRESARIAL LTDA
- Website
- https://one1bank.com.br
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- One Bank is a Brazilian Central Bank-authorized digital payments company that provides integrated digital accounts and POS terminals to small and medium entrepreneurs, enabling card acceptance, receivables anticipation, and CIP wallet-based instant payments through a PCI-compliant platform.
- Ownership category
- akta.pro rank
One Bank industry classification
Industry- Product category
- Digital Payment Services
- NAICS
- Commercial Banking (52211)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro industry
- Embedded Deposit Accounts & Digital Wallet InfrastructureMerchant Cash Advance & Revenue-Based Financing EnablementA2A Checkout & Merchant Acceptance SolutionsFinancial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments
Keywords
Where One Bank is headquartered
LocationHeadquarters
- HQ city
- Barueri
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
One Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing Services: Transaction fees charged to merchants for processing card payments through POS terminals and digital accounts. The company offers competitive rates and receivables anticipation services.
- Point-of-Sale Terminal Provision: Provision of modern payment machines (maquininhas) to merchants, likely generating recurring rental or leasing revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Merchant payment processing services |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
One Bank product offering
Product offeringCore offering
One Bank is a Brazilian digital payment services company (meio de pagamentos) that provides an integrated financial and operational technology system for small and medium entrepreneurs. Its core offerings are a digital business account combined with a modern card payment terminal (maquininha), enabling merchants to accept card payments, manage receivables, and access funds in a PCI-compliant environment with native CIP wallet integration.
Product overview
One Bank is a digital payment solutions company offering a unified platform for small and medium entrepreneurs. The core product is the One Bank Digital Account, which provides integrated financial and operational technology for business management. This is complemented by a payment terminal (maquininha) device that enables merchants to accept card payments with competitive rates and receivables anticipation. Both products are marketed as simple, secure, and sustainable alternatives to traditional banking.
Differentiator
Problem solved
Functional benefit
Companies that use One Bank
Customer profileSegments1 record
Ideal customer profiles1 record
One Bank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
One Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights4 records
One Bank competitors and assessment
Company assessmentEmerging players
- Banco Inter: Banco Inter is a Brazilian digital bank that increasingly offers merchant acquiring and POS terminal services, competing for the same SMB digital account customer base that One Bank targets with a much larger consumer brand.
Broad incumbents
- Getnet: Getnet is a multi-country payment acquirer with operations in Brazil, serving SMBs and large merchants alike. It competes with One Bank in the SMB acquiring segment with broader product breadth and parent-company backing from Santander.
- Cielo: Cielo is Brazil's largest payment acquirer by volume, serving a broad range of merchants from large enterprises to SMBs. As a broad incumbent with massive scale and brand recognition, it competes with One Bank in the SMB segment through dedicated SMB offerings.
- Rede (Itaú): Rede is the payment acquirer subsidiary of Itaú Unibanco, one of Brazil's largest banks. It serves the full merchant spectrum and competes with One Bank particularly for SMB customers who are also Itaú account holders.
Direct peers
- InfinitePay: InfinitePay is a Brazilian SMB-focused payment processor offering card machines and digital account services. It targets the same micro and small merchant segment as One Bank with comparable pricing and digital account positioning.
- Stone Co. Stone is the largest publicly-traded SMB-focused payment acquirer in Brazil, offering POS terminals, digital banking, and integrated software to merchants. It is One Bank's most direct and largest competitor in the SMB payments space with a vastly bigger customer base and brand presence.
- PagBank PagSeguro: PagBank offers SMB-focused payment processing, POS terminals, and digital banking through a single platform to Brazilian merchants. It competes directly with One Bank across both acquiring and digital account product lines with much greater scale.
- Mercado Pago: Mercado Pago is the fintech arm of MercadoLibre, providing payment processing, POS terminals, and credit to Brazilian merchants. Its deep marketplace integration and SMB merchant base create direct overlap with One Bank's offering.
- Ton: Ton is Stone Co.'s sub-brand focused on the smallest merchants and nanopreneurs, offering affordable POS machines and Pix-first payment solutions. It targets the lower end of the SMB market where One Bank also operates.
- SumUp: SumUp is a global SMB payment processing company with significant operations in Brazil, offering affordable card readers and integrated payment solutions. It competes directly in One Bank's target market with a strong international technology platform and brand.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
One Bank social profiles
Digital presenceOne Bank compliance and trust
Trust signalCompliance1 record
One Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
One Bank leadership team
Management profileNumber of profiles
One Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
One Bank 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 One Bank
What does One Bank do?
One Bank is a Brazilian digital payment services company (meio de pagamentos) that provides an integrated financial and operational technology system for small and medium entrepreneurs. Its core offerings are a digital business account combined with a modern card payment terminal (maquininha), enabling merchants to accept card payments, manage receivables, and access funds in a PCI-compliant environment with native CIP wallet integration.
Is One Bank a public or private company?
One Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was One Bank founded?
One Bank was founded in 2016. It employs 11 to 50 people.
Where is One Bank based?
One Bank is headquartered in Barueri, Brazil, in the Latin America region.
How does One Bank make money?
Two revenue lines are on record. Payment Processing Services are the primary driver. The others are point-of-Sale Terminal Provision.
Who are One Bank's main competitors?
Banco Inter is listed as an emerging player. Broad incumbents are Getnet, Cielo and Rede (Itaú). Direct peers are InfinitePay, Stone Co., PagBank PagSeguro, Mercado Pago, Ton and SumUp.
Does One Bank have an API?
No public API is recorded for One Bank.
What industry is One Bank in?
One Bank's product category is Digital Payment Services. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 52211 and its SIC code is 6099.