Acordo Online

What Acordo Online does

Acordo Online is a Brazilian SaaS company, legally organized as Z3R0 Processamento Eletrônico de dados Ltda. (CNPJ 26.614.280/0001-11), headquartered in São Paulo. The company provides a white-label digital debt collection and credit recovery platform that enables creditors, collection agencies, and small and medium enterprises to digitize the full collection workflow — from multi-channel customer communication through payment settlement. It self-positions as the "#1 digital collection platform in Brazil" and serves three primary segments: collection agencies (escritórios de cobrança), SMEs (PMEs), and creditors across banking, financial services, fintechs, healthcare plans, retail, and construction.

The platform is modular and runs entirely on Amazon Web Services infrastructure in the São Paulo region, with a stated 99.9% availability guarantee. Its product surface comprises a core platform and six interconnected modules: Intelligent Messaging (Email, SMS, RCS, WhatsApp), Analytics Dashboard, Custom Journey builder, Payment Solutions (boleto, PIX, credit card), Marketing Tools (Google, Instagram, Meta Ads), and CRM Integration. A consumer-facing sub-brand, Negociação Segura, provides a branded debtor negotiation portal. Configuration options include a multi-portfolio marketplace, individual sites per portfolio with dedicated URLs, and full white-label deployment. The company is LGPD-compliant (Brazil's data protection law) and holds a Reclame Aqui trusted-site badge.

Acordo Online monetizes primarily through annual SaaS subscriptions under flexible, quote-based enterprise licensing, with revenue generated from module activation, white-label deployment, and add-on integrations. Go-to-market is sales-led, combining digital marketing (paid social, Google/Meta ads, organic social on Facebook/Instagram/LinkedIn) with direct outreach and Calendly-booked enterprise presentations. Distribution includes direct enterprise sales, white-label/OEM deployment for partners, and self-serve access for smaller clients. The company operates exclusively in Brazil, is backed by AceStartups (with ACE Ventures and Bossa Invest as investors across two disclosed rounds in 2020 and 2025), and has 11-50 employees with a named enterprise/mid-market customer base of approximately 11 logos spanning PagBank, AgiBank, BMP, Geru, Juvo, Localcred, Winover, Pagol, D&R Digital, CDL Goiânia, and Sescons-SP.

Name

Acordo Online

Legal name

Z3R0 Processamento Eletrônico de dados Ltda.

Website

https://acordoonline.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Acordo Online is a Brazilian SaaS platform that provides white-label digital debt collection and credit recovery solutions. It serves collection agencies, SMEs, and creditors including banks, fintechs, healthcare plans, retailers, and construction companies across Brazil.

Ownership category

akta.pro rank

Product category

Digital Debt Collection Software

NAICS

Software Publishers (513210), Collection Agencies (561440)

SIC

Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections Technology, Dialing & Workflow Platforms (FSAKAJAI)

akta.pro secondary industries

Collections, Recovery & Debt Management Platforms (FSAGAHAI), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ), Credit, Collections & Arrears Management (Dunning, Write-offs) (EUAJAHAE), Customer Service/Support CRM & Contact Center Platforms (BPAFAFAK)

Keywords

• Digital debt collection
• Credit recovery platform
• White-label SaaS
• Debt negotiation software
• Collection automation

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Acordo Online operates as a SaaS platform offering white-label digital collection solutions. The company offers flexible licensing and business models for companies of all types and sizes. Revenue is generated through subscription-based access to the platform's modular features including messaging, analytics, CRM integration, marketing tools, and payment solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Acordo Online provides a modular, white-label SaaS platform for digital debt collection and credit recovery, enabling collection agencies, small and medium enterprises, and creditors (banks, fintechs, healthcare plans, retailers, construction companies) to automate customer communication, negotiation, and payment settlement. The platform offers multi-channel messaging (Email, SMS, RCS, WhatsApp), integrated payments (boleto, PIX, credit card), CRM integration, marketing tools, and analytics dashboards, all hosted on AWS with 99.9% availability.

Product overview

Acordo Online is a modular SaaS debt collection and credit recovery platform operating as a white-label solution. The core Acordo Online Platform serves as the central system, which customers configure by selecting from interconnected modules including the Intelligent Messaging Module (E-mail, SMS, RCS, WhatsApp), Analytics Dashboard, Custom Journey Module, Payment Solutions Module (boleto, PIX, credit card), Marketing Tools Module (Google, Instagram, Meta Ads), and CRM Integration Module. The Negociação Segura Portal serves as a consumer-facing sub-brand for secure debt negotiation. All components operate on a 100% cloud infrastructure hosted on Amazon AWS with 99.9% availability.

Differentiator

Problem solved

Functional benefit

Products and services

• Acordo Online Platform A white-label SaaS debt collection and credit recovery platform that enables businesses to digitize and automate their entire collection workflow, from customer communication through payment settlement, with 24/7 operation on AWS.
• Intelligent Messaging Module
• Analytics Dashboard Module Visual reporting and analytical dashboard providing comprehensive reports and detailed analyses for strategic decision-making and collection campaign optimization.
• Custom Journey Module Customizable customer journey builder that aligns the collection experience with the business's brand identity, supporting white-label deployment with dedicated URLs per portfolio.
• Payment Solutions Module Integrated payment processing supporting boleto bancário, PIX instant payments, and credit card transactions for debt settlement.
• Marketing Tools Module Advertising integration module connecting with Google Ads, Instagram Ads, and Meta Ads platforms for customer acquisition and re-engagement campaigns.
• CRM Integration Module Pre-built integration connectors for the most widely used collection CRMs, enabling seamless data synchronization and workflow management.
• Negociação Segura Portal A secure negotiation portal branded with a verification seal, providing consumers with a trusted environment to view and settle their debts online.

Quantifiable outcome

• 99.9% platform availability

Named customers11 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Genesys: Global contact-center and customer-experience platform with collections-specific capabilities. Overlaps with Acordo Online on multi-channel messaging and contact-center workflows but as part of a much broader portfolio serving enterprise customers.
• Salesforce: Global CRM and Financial Services Cloud incumbent. While not specialized in Brazilian debt collection, it competes indirectly via CRM and customer engagement capabilities that creditors and agencies could adopt as alternatives to Acordo Online's integrated stack.

Regional players

• eNotas: Brazilian SaaS providing electronic fiscal note issuance and automation. Comparable as a Brazilian B2B SaaS company serving SMEs and enterprises with cloud-based financial-document automation, though in an adjacent rather than overlapping vertical.
• TrueAccord: US-based digital debt collection platform using ML-driven multi-channel outreach for consumer debt recovery. Comparable in product (digital-first collection SaaS with messaging and payment integration) but geographically focused on North America.
• Clicksign: Brazilian digital signature and contract automation SaaS serving enterprise and SME customers. Comparable as a Brazilian vertical SaaS with a similar GTM motion targeting enterprise financial-services customers, though focused on e-signature rather than collections.
• Prodigal: US-based AI-powered debt collection platform for lenders and collection agencies. Comparable in offering intelligent outbound messaging, analytics, and recovery optimization, though focused on the US market.

Others

• Boa Vista SCPC: Brazilian credit bureau and risk analytics provider. Ecosystem enabler supplying credit data used upstream in collection workflows; comparable as a Brazilian financial-data platform serving similar creditors and lenders.
• Celcoin: Brazilian fintech API platform offering PIX, boleto, and payment infrastructure. Enabling peer rather than direct competitor, but its payment APIs overlap with Acordo Online's integrated payment module capabilities.
• Twilio: Communications APIs provider for SMS, WhatsApp, and messaging infrastructure that underpins Acordo Online's multi-channel messaging module. Enabling peer rather than direct competitor, but could disintermediate messaging-layer value.

Direct peers

• Acertis: Brazilian digital collections and credit recovery platform serving similar enterprise and BPO collection-agency customers in Brazil. Direct competitor in the automated debt-negotiation and recovery SaaS category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/acordoonline
• LinkedInlinkedin.com/company/acordo-online
• Instagraminstagram.com/acordoonline

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors2 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 Acordo Online