Braspag

What Braspag does

Braspag is a Brazilian e-commerce payment technology platform that operates as a subsidiary/solution brand of Cielo S.A., Brazil's largest payment institution. The company's core function is enabling online merchants to accept, route, split, and secure digital payments through modular APIs and a multi-acquirer gateway that connects a single integration to multiple acquirers, card networks, and alternative payment methods.

Its product portfolio spans six offerings organized under the Cielo e-commerce umbrella: Split de Pagamento (transaction-value division among multiple participants with configurable rules and automated transfers), Gateway de Pagamento (multi-acquirer integration hub), Gestão de Risco (fraud prevention and chargeback protection powered by Cybersource and ClearSale, advertised with 1.5-second average risk-decision latency), Cielo Checkout (hosted payment page with recurring-charge support), API E-commerce (modular payment integration APIs), and Link de Pagamento (unlimited, no-monthly-fee payment links distributed through WhatsApp, social media, and email). The Gateway, Split de Pagamento, and Gestão de Risco offerings are explicitly branded as 'Uma solução Braspag' (A Braspag solution).

Braspag monetizes primarily through transaction fees on processed payments, split payment services, and risk management services, with quote-based enterprise pricing for API/Checkout/Gateway/Split/Risk contracts and pay-as-you-go pricing for Link de Pagamento. Go-to-market combines direct sales with specialist-assisted contracting for enterprise e-commerce customers, self-serve digital onboarding for SMBs and micro-sellers, and a WhatsApp support channel. Customer segments span e-commerce businesses (primary), marketplaces and platforms requiring split payments, and social/micro-sellers without dedicated websites. Geographic scope is Brazil-domestic.

Name

Braspag

Legal name

Braspag

Website

https://braspag.com.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Braspag is a Brazilian e-commerce payment technology platform operating as a Cielo S.A. subsidiary, providing modular APIs, multi-acquirer gateway connectivity, payment splitting, and third-party fraud risk management to online merchants, marketplaces, and social sellers across Brazil.

Ownership category

akta.pro rank

Product category

Payment Processing / Online Payment Gateway

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Payment gateway services
• E-commerce payment solutions
• Fraud risk management
• Split payment platform
• Payment processing API

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing: Revenue generated through payment processing fees charged to merchants for processing credit card, debit card, and alternative payment method transactions. As an acquirer/gateway provider, Braspag earns transaction fees on each processed payment.
2. Split Payment Services: Revenue from split payment services that divide transactions between multiple parties, enabling marketplace and affiliate business models.
3. Risk Management Services: Fraud prevention and risk analysis services provided through integration with Cybersource and ClearSale, generating fees for fraud analysis and protection services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Braspag provides payment technology infrastructure for Brazilian e-commerce merchants, including a multi-acquirer payment gateway, a payment-splitting engine for marketplace and affiliate payouts, real-time fraud risk management powered by Cybersource and ClearSale, a hosted checkout page, a modular payment API, and a no-monthly-fee payment link product. The platform connects online stores to major card networks, acquirers, and financial institutions, operating as part of the Cielo payment ecosystem.

Product overview

Braspag is a Cielo payment platform offering e-commerce solutions including Split de Pagamento, Gateway de Pagamento, and Gestão de Risco (branded as "Uma solução Braspag" solutions). Split de Pagamento enables payment division among partners with automatic transfer rules; Gateway de Pagamento integrates stores with major payment methods; and Gestão de Risco provides fraud protection powered by Cybersource and ClearSale. The broader Cielo/Braspag e-commerce platform also includes Cielo Checkout (ready payment page), API E-commerce (modular payment API), and Link de Pagamento (social media payment links), forming a comprehensive online payment ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Split de Pagamento: Payment split solution enabling division of sales between partners with automatic transfers and transparency
• Gateway de Pagamento
• Gestão de Risco

Products and services

• Split de Pagamento

Quantifiable outcome

• 1.5 seconds average fraud risk analysis time
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• CybersourcecoreTechnology or IntegrationCybersource is a partner provider of fraud management and risk management solutions for Cielo/Braspag's Gestão de Risco service. Cybersource's risk analysis capabilities integrate with Braspag's transaction processing to provide real-time fraud prevention.
• ClearSalecoreTechnology or IntegrationClearSale is a partner provider of fraud prevention and risk management solutions integrated into Braspag's Gestão de Risco service. Provides transaction risk analysis and chargeback protection as part of the fraud management offering.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PagSeguro: Brazilian payment processor and acquirer offering online checkout, gateway, and split-payment services for e-commerce merchants. Directly competes with Braspag across SMB and enterprise e-commerce segments in Brazil.
• Mercado Pago: Payment arm of Mercado Livre, providing gateway, checkout, QR, and split/marketplace payment services to Brazilian merchants. A leading direct competitor particularly in marketplace and platform commerce.
• Stone Co. Brazilian payments company with acquiring and increasingly online/e-commerce payment capabilities. Competes with Braspag through integrated online and offline payment acceptance for SMB merchants.
• Rede (Itaú): Brazilian acquirer owned by Itaú Unibanco providing e-commerce gateway and processing services. Competes directly with Braspag/Cielo for enterprise and mid-market Brazilian online merchants.
• EBANX: Brazilian-founded payments company specializing in cross-border and local payment processing for global merchants entering Latin America. Comparable to Braspag in local payment method coverage and e-commerce gateway capabilities.

Broad incumbents

• Adyen: Global unified payments platform offering gateway, processing, and risk services for enterprise merchants. While global, Adyen increasingly targets large Latin American merchants and competes with Braspag for enterprise e-commerce volumes in Brazil.
• Stripe: Global developer-first payments platform expanding aggressively into Brazil. Competes with Braspag for enterprise and digital-native merchants through API-based integration and competitive pricing.
• PayPal Brasil: Global digital payments incumbent operating in Brazil with gateway, checkout, and wallet services. Competes with Braspag for cross-border e-commerce merchants and SMB payment acceptance.

Emerging players

• ClearSale: Brazilian fraud-prevention specialist and Braspag's partner in Gestão de Risco. Comparable as an e-commerce risk management provider serving Brazilian merchants, with adjacent competitive overlap in fraud analytics.
• Zoop: Brazilian payment infrastructure provider offering gateway, split payments, and APIs for marketplaces and digital platforms. Directly comparable to Braspag in serving platform commerce and offering split-payment functionality.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/braspag_br
• YouTubeyoutube.com/user/CieloCampanhas
• Facebookfacebook.com/braspag2013
• LinkedInlinkedin.com/company/cielo
• Instagraminstagram.com/cielooficial/?hl=pt-br

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 Braspag