CambioReal
CambioReal is a US-based, FinCEN-registered cross-border payments company that has operated money transfer corridors between the United States and Latin America (Brazil, Colombia, Mexico) for over 21 years, serving individual remittance senders, cross-border e-commerce merchants, and US companies paying LATAM teams.
- Company typePrivate
- Founded2004
- HeadquartersNewark, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CambioReal does
CambioReal is a US-headquartered cross-border payments infrastructure company founded in 2004 and incorporated in Delaware, operating money transfer corridors between the United States and Latin America — primarily Brazil, Colombia, and Mexico. The company is a FinCEN-registered Money Services Business (registration #31000275649876) and LGPD-compliant, with a Brazilian operating subsidiary (VERITAS L.C. LTDA) and a 21-year operating history. It serves two broad customer bases: individual remittance senders transferring money to family in Latin America, and US businesses that need to either collect payments from Brazilian customers or disburse payroll/contractor payments to LATAM-based teams.
The company's product portfolio centers on a proprietary cross-border payment infrastructure with real-time currency conversion, compliance automation, and integrations to local LATAM rails. Core offerings are CambioCheckout (US-side payment acceptance from Brazilian customers via PIX, credit card installments up to 24x, NuPay, and boleto, with USD/EUR payouts), CambioPay (B2B disbursements to LATAM teams and suppliers in local currency within one business day), CambioTransfer (personal remittances with a flat USD 3.99 fee), and an Enterprise tier exposing the same rails via a REST API with pre-built WooCommerce, Magento, and BoxControl plugins. Adjacent products include CambioCard (a UK-issued Mastercard prepaid travel card) and the more recently launched CambioWallet (a BRL-funded virtual wallet with a US virtual card, launched June 2025). No mobile app is published; access is through web subdomains per product.
Revenue is generated entirely on a transactional basis — there are no monthly or annual fees. Personal transfers generate USD 3.99 per transaction; business payments and merchant acceptance generate revenue from FX spreads of 0.5%–1.8% plus flat fees of USD 1–3.99. Go-to-market is hybrid: a self-serve digital platform serves individuals and SMBs, while enterprise clients (large-volume senders, merchants using CambioCheckout, corporates using CambioPay) are supported by a direct sales team with dedicated account management and API onboarding. Distribution is digital-first (web, WhatsApp, phone support) with no physical branches, and the company reports 350,000+ users and 2,100+ partner companies served to date.
CambioReal firmographics
Firmographics- Name
- CambioReal
- Legal name
- CambioReal Inc.
- Website
- https://cambioreal.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CambioReal is a US-based, FinCEN-registered cross-border payments company that has operated money transfer corridors between the United States and Latin America (Brazil, Colombia, Mexico) for over 21 years, serving individual remittance senders, cross-border e-commerce merchants, and US companies paying LATAM teams.
- Ownership category
- akta.pro rank
CambioReal industry classification
Industry- Product category
- Cross-border Payments
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
- akta.pro secondary industries
- SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where CambioReal is headquartered
LocationHeadquarters
- HQ city
- Newark
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CambioReal business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- International Transfer Fees: Flat transaction fee per international transfer (USD 3.99 per transfer from US to Brazil). No monthly or annual subscription charges. Revenue generated per transaction processed.
- Foreign Exchange Spread: CambioReal earns revenue through the foreign exchange spread applied to currency conversions. For CambioPay, spread ranges from 0.5% to 1.8% plus flat fee. More competitive than traditional bank spreads.
- CambioCheckout Merchant Services: Free platform for merchants (no merchant fee). Revenue derived from FX spread on currency conversion when Brazilian customers pay in BRL and merchants receive in USD.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | CambioTransfer - Personal remittances from US to Brazil |
| Transaction based/ take rate | Pay-as-you-go | CambioTransfer - Brazil to US/Exterior |
| Transaction based/ take rate | Pay-as-you-go | CambioPay - Business team payments to LATAM |
| Freemium | Pay-as-you-go | CambioCheckout - Payment acceptance for US businesses |
| Transaction based/ take rate | Multi-year contract | CambioTransfer Prime - Large volume transfers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
CambioReal product offering
Product offeringCore offering
CambioReal operates cross-border payment infrastructure connecting the United States and Latin America (Brazil, Colombia, Mexico), offering personal remittances (CambioTransfer), business payment acceptance from Brazilian customers via local methods (CambioCheckout), international payroll and supplier payments for LATAM teams (CambioPay), and API-based enterprise cross-border payment infrastructure. The company serves individuals, SMBs, and enterprises through self-serve online platforms and dedicated account management, holding MSB registration with FinCEN since 2004.
Product overview
CambioReal is a cross-border payments infrastructure company operating across the Americas for over 21 years, connecting Latin America and the United States. The product portfolio consists of four core offerings: CambioCheckout (a payment acceptance platform enabling US businesses to collect payments from Brazilian customers via PIX, credit card, NuPay, and bank slip with USD/EUR payouts), CambioPay (an international payroll solution for paying LATAM teams in local currencies), CambioTransfer (personal international remittances), and Enterprise (API-based cross-border infrastructure for high-volume operations). Supporting sub-products include CambioCard (prepaid travel card) and CambioWallet (virtual wallet for USD payments).
Differentiator
Problem solved
Functional benefit
Brands
- CambioCheckout: Payment acceptance solution enabling Latin American businesses to receive payments with local methods including PIX, credit card installments up to 24x, boleto, and NuPay, with payouts in USD and EUR.
- CambioPay
- CambioTransfer
Products and services
- CambioCheckout Payment acceptance platform that enables businesses in the US to accept local Latin American payment methods from Brazilian customers, including PIX, credit card installments up to 24x, NuPay, and bank slip, with payouts in USD and EUR. Targeted at US e-commerce businesses and online merchants selling to Brazilian customers.
- CambioPay International payroll and supplier payment solution that enables US companies to pay employees, freelancers, and vendors in Brazil, Colombia, and Mexico directly to their local bank accounts in local currency within 1 business day. Includes bulk payment capabilities, spreadsheet upload, and real-time dashboard tracking.
- CambioTransfer International remittance platform for personal money transfers between the US and Latin America, allowing users to send money globally with competitive exchange rates and transparent USD 3.99 flat fees regardless of transfer amount.
- Enterprise (CambioReal Enterprise) Cross-border payment infrastructure designed for enterprise-level businesses, providing REST API integration and pre-built plugins (WooCommerce, Magento, BoxControl) for high-volume international payment operations and automation.
- CambioCard Prepaid travel card that allows Brazilian users to load funds in USD via bank boleto with only 0.38% IOF tax. Issued as a Mastercard accepted worldwide, designed for Brazilian travelers and intercambists.
- CambioWallet Virtual wallet that allows users to load funds in Brazilian Reais to use US Dollars in the United States. Users receive a virtual American card for making payments and can load funds via PIX or Boleto.
- CambioTransfer Prime High-value international transfer service for individuals and businesses with personalized consulting, dedicated support via WhatsApp, and compliance due diligence for transfers above USD 3,000. Operates under multi-year contracts.
Quantifiable outcome
- Delivery time: 1-3 business days (vs 3-5 days for banks)
- +1 more outcomes
Companies that use CambioReal
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
CambioReal technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
CambioReal partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
CambioReal competitors and assessment
Company assessmentDirect peers
- dLocal: dLocal is a publicly-traded cross-border payments platform specializing in LATAM, Africa, and Asia emerging markets. It directly overlaps with CambioReal's CambioCheckout (Latin American payment method acceptance) and CambioPay (payouts to LATAM) for the US-to-Brazil/Colombia/Mexico corridor, serving similar enterprise merchants and marketplaces.
- EBANX: EBANX is a Brazilian-founded cross-border payments processor focused on LATAM payment method acceptance (PIX, Boleto, installments) and global payouts. It competes head-to-head with CambioCheckout for US merchants selling to Brazilian consumers and with CambioPay for enterprise LATAM disbursements.
- Remitly: Remitly is a publicly-traded digital remittance company with the US-LATAM corridor (particularly Mexico, Central America, South America) as a core market. It directly competes with CambioTransfer for individual remittances from the US to Brazil, Colombia, and Mexico.
- Wise (formerly TransferWise): Wise is a publicly-traded cross-border money transfer and multi-currency account platform. It competes with CambioReal on US-to-LATAM personal transfers and increasingly with CambioPay on small-business payouts, supported by mid-market FX rates similar to CambioReal's positioning.
- Xoom (PayPal): Xoom is PayPal's digital remittance service covering 160+ countries including Brazil, Colombia, and Mexico. It directly competes with CambioTransfer for US-LATAM consumer remittances and benefits from PayPal's broader wallet and consumer trust.
- Tremendous: Tremendous is a US-headquartered mass payouts platform enabling businesses to send funds globally including to LATAM. It competes with CambioPay for the B2B use case of paying distributed teams, contractors, and creators across Brazil, Colombia, and Mexico, with comparable deliverable methods.
- Sendwave (also known as SendWave): SendWave is a mobile-first remittance company focused on US-to-Africa and US-to-LATAM corridors. It competes with CambioTransfer for cost-sensitive individual remitters sending money from the US to countries including Brazil and Colombia.
Broad incumbents
- Western Union: Western Union is the incumbent global money transfer operator with deep cash-pickup and digital remittance coverage across LATAM. It competes with CambioTransfer across the US-Brazil/Colombia/Mexico corridors and dwarfs CambioReal in brand and agent network, though typically at higher price points and slower delivery.
- MoneyGram: MoneyGram is a global remittance and payments company with extensive LATAM agent and digital coverage. It competes with CambioTransfer on consumer US-LATAM corridors and with CambioPay on enterprise payouts, as a broad incumbent with established correspondent bank relationships.
Emerging players
- Bitso: Bitso is a LATAM-focused crypto and fiat payments platform operating across Mexico, Brazil, Argentina, and Colombia. While it leans on crypto rails, its cross-border payment and payout products for LATAM overlap with CambioPay and CambioTransfer, particularly for businesses moving funds into and within the region.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
CambioReal social profiles
Digital presenceCambioReal compliance and trust
Trust signalCompliance3 records
CambioReal financial estimates
Financial estimateRevenue estimate
Valuation estimate
CambioReal leadership team
Management profileNumber of profiles
CambioReal subsidiaries and ownership
Company hierarchySubsidiaries1 record
CambioReal funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CambioReal 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 CambioReal
What does CambioReal do?
CambioReal operates cross-border payment infrastructure connecting the United States and Latin America (Brazil, Colombia, Mexico), offering personal remittances (CambioTransfer), business payment acceptance from Brazilian customers via local methods (CambioCheckout), international payroll and supplier payments for LATAM teams (CambioPay), and API-based enterprise cross-border payment infrastructure. The company serves individuals, SMBs, and enterprises through self-serve online platforms and dedicated account management, holding MSB registration with FinCEN since 2004.
Is CambioReal a public or private company?
CambioReal is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CambioReal founded?
CambioReal was founded in 2004. It employs 11 to 50 people.
Where is CambioReal based?
CambioReal is headquartered in Newark, United States, in the North America region.
How does CambioReal make money?
Three revenue lines are on record. International Transfer Fees are the primary driver. The others are foreign Exchange Spread and cambioCheckout Merchant Services.
Who are CambioReal's main competitors?
Direct peers on record are dLocal, EBANX, Remitly, Wise (formerly TransferWise), Xoom (PayPal), Tremendous and Sendwave (also known as SendWave). Broad incumbents are Western Union and MoneyGram. Bitso is listed as an emerging player.
Does CambioReal have an API?
Yes. The CambioReal API is a robust and customizable solution that enables businesses to automate client collections in Brazil directly on their websites. In addition to the API, pre-built plugins are available for platforms such as WooCommerce, Magento, and BoxControl. Developer documentation is at business.cambioreal.com.
What industry is CambioReal in?
CambioReal's product category is Cross-border Payments. Its primary akta.pro industry code is FSAGAKAC, Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace), with a secondary code of FSAMAIAB, SME & Business Cross-Border Payments (B2B). Its SIC code is 6199.