Amipass
Amipass is a Chilean employee benefits platform operating a three-sided marketplace that connects 2,000+ enterprises, 30,000+ merchants, and 280,000+ active employees via mobile food-benefit payments, with integrated POS (amiPOS) and wellness (amiLIFE) modules across all 16 regions of Chile.
- Company typePrivate
- Founded2008
- HeadquartersLo Barnechea, Chile
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Amipass does
Amipass (legal entity: FDD Innovación y Crecimiento S.A.) is a Chilean employee benefits administration platform founded in 2008 and headquartered in Lo Barnechea, Santiago. The company operates a three-sided marketplace that connects enterprises (2,000+ clients), merchants (30,000+), and employee beneficiaries (280,000+ active users) across all 16 regions of Chile, with the platform processing tax-advantaged food benefit allocations through a mobile QR-payment app, a cloud-based point-of-sale system (amiPOS), and a digital wellness module (amiLIFE).
The core technology stack consists of mobile QR payment (with offline capability), API-based payroll integrations with five major Chilean systems (BUK, Talana, Genera, GeoVictoria, Qwantec), payment processing via Transbank's WebPay, and merchant-facing cloud POS on iOS, Android, tablet, and desktop. AI features are embedded across the merchant and consumer experience: Ami-Go for personalized promotions, amiBOT for 24/7 support, AI cashier coaching, AI inventory management, AI bulk loading, an AI management agent, and voice-activated task scheduling. The platform holds ISO 27001 and PCI DSS certifications, is B Corp certified, and complies with Chilean Law 20.393.
The business model combines enterprise subscription fees for benefits administration (with a tax savings pitch of 38.7% effective savings via VAT recovery and Article 31 deductions), tiered SaaS subscriptions for merchants on amiPOS (Básico free, Estándar/Pro paid), transaction fees on payment volume, and add-on revenue from Gift Cards and Sala Cuna childcare services. GTM is hybrid: enterprise sales via dedicated account executives with 24-hour proposal response, self-serve merchant onboarding through app.amipos.com, and employee acquisition through employer benefit activation. Enterprise customers span retail (Walmart, Cencosud, Falabella, Ripley, SMU, ABC), telecom (Claro, GTD), financial services (Transbank), automotive (Derco), mining (Enaex), insurance (Consorcio), technology (GMO), government (Carabineros de Chile), transportation (Turbus), and education (UAI, UDP). The company is private, founder-controlled (CEO Patricio Dueñas Azócar; CFO Alberto Gassmann), with cumulative disclosed funding of approximately $4.5M from rounds in 2011, 2014, and 2015, and operates a team of 51–100.
Amipass firmographics
Firmographics- Name
- Amipass
- Legal name
- FDD Innovación y Crecimiento S.A.
- Website
- https://amipass.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Amipass is a Chilean employee benefits platform operating a three-sided marketplace that connects 2,000+ enterprises, 30,000+ merchants, and 280,000+ active employees via mobile food-benefit payments, with integrated POS (amiPOS) and wellness (amiLIFE) modules across all 16 regions of Chile.
- Ownership category
- akta.pro rank
Amipass industry classification
Industry- Product category
- Employee Benefits Administration Platform
- akta.pro primary industry
- Benefits Administration (BPACAPAC)
- akta.pro secondary industries
- Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN), International Benefits Administration & Global Benefits Brokerage (BPACAHAG)
Keywords
Where Amipass is headquartered
LocationHeadquarters
- HQ city
- Lo Barnechea
- HQ country
- Chile
- HQ region
- Latin America
Offices1 record
Markets served
Amipass business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Employee Benefit Administration - Enterprise Subscription: Companies pay for employee food benefits managed through amiPASS platform. Companies save 38.7% through tax benefits (19% VAT recovery + Article 31 Income Tax deduction). Revenue derived from managing and processing employee benefit allocations.
- amiPOS SaaS Subscription for Merchants: Commerce merchants subscribe to amiPOS plans (Básico free, Estándar paid, Pro paid) for POS, inventory management, promotions, and sales reporting. Paid plans include additional features like electronic invoicing, multiple users, AI coaching, and analytics.
- Transaction Processing: amiPASS processes payments from 280,000+ employees at 30,000+ merchants. Revenue generated from transaction volume across the merchant network. Merchants receive sales reimbursement minus commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Enterprise benefit management - custom pricing based on employee count and monthly benefit amount |
| Freemium | Monthly | amiPOS Basic - Free tier for small merchants |
| Subscription | Monthly | amiPOS Estándar - Paid plan for growing businesses |
| Subscription | Monthly | amiPOS Pro - Full-featured plan for established businesses |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Amipass product offering
Product offeringCore offering
Amipass is a Chilean employee benefits administration platform that connects companies, merchants, and beneficiaries through food benefits, QR-code mobile payments, and wellness services. The company enables enterprises to allocate tax-advantaged food allowances (yielding up to 38.7% in tax savings) to employees who spend those allowances at 30,000+ affiliated merchants across Chile via a mobile app. Its companion product amiPOS provides cloud-based point-of-sale software to merchants on a freemium SaaS model.
Product overview
amiPASS operates as a unified ecosystem of connected platforms serving three audiences: companies that administer employee benefits (amiPASS core), merchants that accept payments (amiPOS), and employee beneficiaries (amiPASS mobile app). The core platform delivers tax-efficient food benefits (up to 38.7% tax savings via Art. 31 and VAT recovery), while the amiPOS SaaS system provides merchants with POS, inventory, and loyalty tools in three subscription tiers. Add-on modules include the wellness platform amiLIFE, Gift Cards, and Sala Cuna childcare services, all accessible through the amiPASS mobile app. AI capabilities are embedded across the merchant platform (amiPOS) via Ami-Go personalization, AI coaching, AI inventory management, and amiBOT support.
Differentiator
Problem solved
Functional benefit
Brands
- amiPOS: Commerce platform for merchants to manage payments, inventory, and sales with plans including Basic, Standard, and Pro tiers.
- amiLIFE
- amiBOT
Quantifiable outcome
- 38.7% effective tax savings for companies using employee food benefits
- +5 more outcomes
Companies that use Amipass
Customer profileNamed customers19 records
Segments3 records
Ideal customer profiles3 records
Amipass technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability7 records
Feature7 records
Amipass partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- BUKcorePayroll system integration partner enabling automatic synchronization of employee data and benefit allocations. Companies using BUK can sync employee information without manual data entry.
- TalanacorePayroll system integration partner enabling automatic synchronization of employee data and benefit allocations. Part of the standard API integration ecosystem.
- GeneracorePayroll system integration partner enabling automatic synchronization of employee data and benefit allocations. Part of the standard API integration ecosystem.
- GeoVictoriacorePayroll system integration partner enabling automatic synchronization of employee data and benefit allocations. Part of the standard API integration ecosystem.
- QwanteccorePayroll system integration partner enabling automatic synchronization of employee data and benefit allocations. Part of the standard API integration ecosystem.
- TransbankcorePayment processing partner enabling WebPay OneClick for debit and credit card payments in the amiPASS app. Transbank is Chile's dominant payment gateway.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Amipass competitors and assessment
Company assessmentDirect peers
- Pluxee: Spun off from Sodexo in 2024, Pluxee is a pure-play employee benefits and engagement platform with strong presence in Brazil, France, and expanding LatAm footprint. Closest functional analog to amiPASS in the corporate meal-benefit category.
- Caju: Brazilian employee benefits super-app combining meal, culture, education, and wellness benefits via a multi-card platform with merchant QR acceptance. Emerging direct competitor with stronger digital UX positioning.
- Up Sí Vale (Grupo Up): Brazilian-origin benefits platform operating across Latin America with corporate meal and meal-voucher products. Directly comparable business model to amiPASS in a neighboring Spanish/Portuguese-speaking market.
- Alelo: Brazilian corporate benefits and prepaid solutions provider owned by Banco do Brasil and Bradesco. Operates analogous closed-loop food and meal benefit networks across thousands of merchants.
Regional players
- MACH: Chilean digital payments app owned by Banco de Chile with broad merchant QR acceptance. Regional fintech player that overlaps with amiPASS at the consumer payment layer and could expand into benefits given bank distribution.
Others
- Transbank: Chile's dominant payment processor and existing amiPASS integration partner for WebPay. Comparable in the Chilean payments/fintech ecosystem and a potential vertical integrator if it chose to expand into closed-loop benefits.
Broad incumbents
- Edenred: Global leader in prepaid corporate services including meal benefits (Ticket Restaurant). Operates in Chile and across LatAm with analogous closed-loop merchant networks for employee food benefits — direct functional analog to amiPASS's core offering.
- Toast: US-listed cloud POS platform with full restaurant tech stack (POS, payroll, marketing, payments). Directly comparable to amiPASS's amiPOS SaaS offering for merchant customers, though focused on full-service restaurants in North America.
- Sodexo Benefits & Rewards: Global benefits and rewards services provider with strong meal-voucher and employee benefit programs in Latin America. Competes with amiPASS at the enterprise food-benefit layer with comparable closed-loop merchant acceptance.
Emerging players
- iFood Benefícios: Brazilian benefits arm of iFood leveraging the iFood delivery merchant network to offer closed-loop meal benefits. Represents the type of bundled super-app competitor that could pressure amiPASS-style incumbents.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Amipass social profiles
Digital presenceAmipass compliance and trust
Trust signalCompliance4 records
Amipass financial estimates
Financial estimateRevenue estimate
Valuation estimate
Amipass leadership team
Management profileNumber of profiles
Profiles2 records
Amipass funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Amipass 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 Amipass
What does Amipass do?
Amipass is a Chilean employee benefits administration platform that connects companies, merchants, and beneficiaries through food benefits, QR-code mobile payments, and wellness services. The company enables enterprises to allocate tax-advantaged food allowances (yielding up to 38.7% in tax savings) to employees who spend those allowances at 30,000+ affiliated merchants across Chile via a mobile app. Its companion product amiPOS provides cloud-based point-of-sale software to merchants on a freemium SaaS model.
Is Amipass a public or private company?
Amipass is a private company. It is classified as venture growth investor backed and is currently operating.
When was Amipass founded?
Amipass was founded in 2008. It employs 51 to 100 people.
Where is Amipass based?
Amipass is headquartered in Lo Barnechea, Chile, in the Latin America region.
How does Amipass make money?
Three revenue lines are on record. Employee Benefit Administration - Enterprise Subscription is the primary driver. The others are amiPOS SaaS Subscription for Merchants and transaction Processing.
Who are Amipass's main competitors?
Direct peers on record are Pluxee, Caju, Up Sí Vale (Grupo Up) and Alelo. MACH is listed as a regional player. Transbank is listed as an others. Broad incumbents are Edenred, Toast and Sodexo Benefits & Rewards. iFood Benefícios is listed as an emerging player.
Does Amipass have an API?
Yes. amiPASS integrates with payroll systems via API for automatic synchronization. Supported payroll integrations include BUK, Talana, Genera, GeoVictoria, and Qwantec. For other payroll systems, amiPASS uses a standard REST API. Companies can load benefit data via Excel or API. The platform enables automatic synchronization of employee benefit data between the employer's payroll system and amiPASS, eliminating manual monthly data entry.
What industry is Amipass in?
Amipass's product category is Employee Benefits Administration Platform. Its primary akta.pro industry code is BPACAPAC, Benefits Administration, with a secondary code of FSAIAMAN, Worksite Financial Wellness & Employee Assistance Programs (EAP).