What MEI Fácil does

MEI Fácil was a Brazilian digital financial services application targeting Microempreendedor Individual (MEI) entrepreneurs — individuals operating small businesses under Brazil's simplified tax regime with an annual revenue cap of R$81,000. The product enabled MEI formalization, CNPJ management, DAS tax payment (including credit-card installments), and lightweight business financial tracking, and it operated exclusively as a free, mobile-first proposition with no annual fees or maintenance charges on the user side. The standalone MEI Fácil app was discontinued in 2024 and all services were consolidated into the parent Neon mobile banking application as the 'Área MEI' module, since MEI Fácil had always been part of the Neon group rather than an independent entity.

The technical architecture centers on a mobile-only digital banking platform built around integration with Brazil's gov.br government portal, allowing MEI formalization and CNPJ connection inside the app without redirecting to external government sites. Proprietary product features include DAS payment via credit card with installment options, CPF-based digital onboarding, the Lente Neon camera-based bill scanner, and a unified product surface comprising the Neon digital account, Visa credit and debit cards with no anuidade, Viracrédito (deposits that double as credit limit), CDB investments, Pix and Pix Crédito, personal loans, cashback, and a Correspondente Bancário agent platform. Neon Pagamentos S.A. is the operating entity, licensed as a Payment Institution by the Banco Central do Brasil under Resolution 4.935/21.

The business model is freemium and indirect: end users pay nothing for MEI or core banking services. Revenue is generated through correspondent banking relationships with multiple partner institutions — Neon Financeira (CDB, credit cards, personal credit), Itaú Unibanco (boleto and utility bill payment), Banco Citibank (payment services), Qi Tech (FGTS saque-aniversário and private consignado), and Money Plus (private consignado) — earning fees on originated transactions, interest on credit products, and placement/revenue-share on investment AUM. Distribution is entirely digital via the Neon mobile app on Google Play and Apple Store, with go-to-market executed through product-led self-serve onboarding by CPF, supported by social media (Facebook, Instagram, YouTube, LinkedIn) and an educational content hub (the 'Aprenda' blog). Early funding history includes rounds in 2018 (MG Tech, Yellow Ventures), 2019 (Distrito Ventures), and 2020 (BrazilLAB).

Name

MEI Fácil

Legal name

MEI Fácil

Website

https://meifacil.com

Company type

Private

Founded year

2022

Operating status

Acquired

Headcount range

101–250 employees

Short description

MEI Fácil is a Brazilian digital banking service for Microempreendedor Individual (MEI) entrepreneurs, offering free CNPJ management, DAS tax payment, and integrated banking within the Neon app. It generates revenue via correspondent banking partnerships rather than direct user fees, serving long-tail micro-entrepreneurs nationwide.

Ownership category

akta.pro rank

Product category

Digital Banking for Micro-Entrepreneurs

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Intermediation and Related Activities (522), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Finance Services (6199)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industry

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

Keywords

• Micro-entrepreneur banking
• MEI tax payments
• Digital banking services
• Correspondent banking
• CNPJ management

Headquarters

HQ city

Brasil

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Correspondent Banking Fees: NEON acts as a correspondent bank for multiple financial institutions (Neon Financeira, Itaú Unibanco, Banco Citibank, Qi Tech, Money Plus), earning fees for originating and processing financial products including CDBs, credit cards, personal loans, and consignado loans.
2. Credit Product Interest: Revenue generated from financial products including Viracrédito (credit against investments), personal loans, and credit card financing. Interest income flows through correspondent banking relationships with partner financial institutions.
3. Investment Products (CDB): Distribution of CDB (Certificado de Depósito Bancário) products from partner Neon Financeira, earning placement fees or ongoing revenue share based on AUM.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

MEI Fácil provides a digital financial and administrative platform for Brazilian Microempreendedores Individuais (MEI), enabling formalization, CNPJ management, DAS tax payments (including installment via credit card), and access to a free digital bank account integrated within the Neon app. The service is delivered as the "Área MEI" module of the Neon mobile application, combining MEI-specific tooling with personal banking products such as credit/debit cards, CDB investments, Pix, loans, and cashback. Revenue is generated via correspondent banking arrangements with multiple Brazilian financial institutions rather than direct user fees.

Product overview

MEI Fácil is a suite of digital banking and business management services designed for Brazilian MEI (Microempreendedor Individual) entrepreneurs, now fully integrated into the Neon app as the 'Área MEI'. The offering follows a platform-plus-modules architecture: the core platform is the Neon digital bank account (Conta Digital Neon), which provides personal and business banking services. This core is enhanced by the Área MEI module for CNPJ management, DAS tax payments, and business oversight. Additional modules include no-fee credit and debit cards (Cartão de Crédito and Cartão de Débito), Viracrédito for combined savings/credit functionality, CDBs Neon for investment products, Pix payment system with Pix Crédito feature, Lente Neon for camera-based bill payments, cashback rewards, loan products including correspondent banking services, and virtual card for secure online transactions. Former MEI Fácil users have been migrated from the standalone MEI Fácil app to this unified Neon ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Área MEI (MEI Area) Unified MEI management hub within the Neon app, allowing MEI business owners to manage their CNPJ, pay DAS taxes, and access business financial tools.
• Conta Digital Neon

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Banco Central do Brasil (BCB)coreOthersBrazil's Central Bank is the regulatory authority overseeing NEON as a licensed Payment Institution. NEON operates under BCB Resolution 4.935/21 governing correspondent banking relationships.
• gov.br (Brazilian Government Portal)coreTechnology or IntegrationGovernment integration allowing MEI customers to connect their existing CNPJ MEI via gov.br authentication directly within the NEON app, enabling seamless access to MEI management services.

Recent moves7 records

Expansion highlights5 records

Emerging players

• Will Bank: Brazilian digital bank with a simplified mobile account model. Comparable as a mobile-first digital bank competing in the same Brazilian low-fee consumer and small business segment.

Direct peers

• Nubank: Brazil's largest digital bank serving consumers and small businesses (MEI and ME) with a free account, credit card, Pix, and personal loans. Directly comparable as a mobile-first digital banking platform with a freemium model and correspondent-style product distribution.
• Banco Original: Brazilian digital bank with a strong focus on small businesses, agribusiness, and MEI entrepreneurs. Directly comparable to MEI Fácil/Neon in targeting the same Brazilian micro-entrepreneur segment with digital banking products.
• Inter & Co: Brazilian digital super-app bank offering free accounts, credit cards, Pix, investments, and a marketplace. Comparable to MEI Fácil/Neon as a digital-only bank targeting Brazilian consumers and small businesses with bundled financial products.
• PagBank/PagSeguro: Brazilian digital payments and banking platform serving merchants and individuals. Comparable as a fintech offering digital accounts, Pix, credit, and payment acceptance for small businesses including the MEI segment.
• C6 Bank: Brazilian digital bank offering free accounts, credit cards, investments, and Pix. Competes directly with Neon/MEI Fácil in the digital banking segment, particularly for freelancers and small business owners.

Broad incumbents

• Banco do Brasil: Major Brazilian state-owned bank with dedicated MEI offerings including accounts, loans, and government benefits distribution. Comparable as a regulated banking provider targeting the same MEI customer segment, though with a physical branch model.
• Caixa Econômica Federal: Brazilian federal bank with significant MEI and micro-entrepreneur focus including simplified accounts and government-backed credit. Comparable as a regulated banking institution serving the same MEI customer base.
• Stone (Stone Co.): Brazilian payments and banking platform serving SMBs and MEI merchants with acquiring, accounts, and credit. Comparable in targeting the same micro-entrepreneur customer base with integrated financial services.
• Mercado Pago: Digital wallet and banking arm of Mercado Libre serving merchants and individuals in Brazil. Comparable as a payments-led platform extending into accounts, credit, and small business financial services including informal/formal sellers analogous to MEI.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xrebrand.ly/x-neon
• YouTuberebrand.ly/yt-neon
• Facebookfacebook.com/soumeifacil
• LinkedInrebrand.ly/li-neon
• Instagramrebrand.ly/ig-neon

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors4 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 MEI Fácil