Safe2pay
Safe2Pay is a Brazilian payment institution authorized by Banco Central do Brasil, operating an API-first platform that processes Pix, boleto bancário, and credit/debit card transactions via POS terminals, online gateway, recurring billing, and marketplace split payments for merchants ranging from MEIs to large enterprises.
- Company typePrivate
- Founded2020
- HeadquartersPorto Alegre, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Safe2pay does
Safe2Pay is a Brazilian payment institution (Instituição de Pagamento) authorized by the Banco Central do Brasil and headquartered in Porto Alegre, Brazil. Founded in 2020, the company operates a comprehensive digital payments platform serving merchants ranging from individual micro-entrepreneurs (MEIs) to large enterprises, processing the three principal Brazilian payment methods — Pix instant payments, boleto bancário, and credit/debit cards across Visa, Mastercard, Amex, Hipercard, Elo, and Diners — alongside physical POS terminals (maquininhas) for in-person transactions. The platform is built on an API-first REST v2 architecture with backend SDKs in Node, PHP, .NET, and Java, plus native e-commerce integrations for Magento and WooCommerce, supported by PCI DSS v4.0-compliant card tokenization (Cofre de Cartões), 3DS 2.0 authentication, real-time transaction webhooks, and a developer sandbox environment at developers.safe2pay.com.br.
The product portfolio comprises four core offerings: Maquininha (physical POS), Vendas Online (online payment gateway), Cobrança Recorrente (subscription/recurring billing engine with configurable intervals and proration), and Split de Pagamento (marketplace fund distribution with unlimited subaccounts), supported by modular add-ons including receivables antecipação (anticipation), payment links, carnê installment booklets up to 24x, DDA inquiry, and a forthcoming NFS-e (Electronic Service Invoice) module. The legal entity has evolved from Safe2Pay Instituição de Pagamento LTDA to Safe2Pay Instituição de Negócios LTDA, suggesting an institutional scope broader than pure payment intermediation.
Revenue is generated through a hybrid model combining transaction-based fees (debit at 2.08%, credit installments ranging from 4.44% to 16.52% by card brand and installment count, R$2.99 per transfer effective January 20, 2026), tiered monthly subscriptions (Online Sales at R$52.50/month, Marketplace at R$419.00/month), hardware POS terminal sales/rentals with free delivery, and receivables anticipation fees subject to credit analysis. Distribution is primarily self-serve via website account registration, with a sales-assisted motion for enterprise and marketplace customers via phone (4003-5591) and email ([email protected]). Geographic scope is exclusively domestic Brazil.
Safe2pay firmographics
Firmographics- Name
- Safe2pay
- Legal name
- Safe2Pay Instituição de Negócios LTDA
- Website
- https://safe2pay.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Safe2Pay is a Brazilian payment institution authorized by Banco Central do Brasil, operating an API-first platform that processes Pix, boleto bancário, and credit/debit card transactions via POS terminals, online gateway, recurring billing, and marketplace split payments for merchants ranging from MEIs to large enterprises.
- Ownership category
- akta.pro rank
Where Safe2pay is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Safe2pay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Infrastructure, Marketing or Sales, Personnel, Supply Chain
Revenue model
- Transaction Fees: Percentage-based fees charged on each successful transaction. Rates vary by payment method (debit 2.08%, credit installments from 4.44% to 16.52% depending on installment count) and card brand (Visa/Mastercard vs Amex/Hipercard/Elo/Diners).
- Monthly Subscription - Venda Online: Fixed monthly fee of R$ 52.50 for online sales platform access including Pix, boleto, and credit card processing with full API access.
- Monthly Subscription - Marketplace Plan: Fixed monthly fee of R$ 419.00 for Marketplace plan including split payments, subaccount management, recurring billing, transparent checkout, card vault, and payment links.
- Receivables Anticipation Fees: Fees charged for early access to receivables funds. Subject to credit analysis and transaction history review. Available for manual request Monday-Friday 09:00-20:00 on business days.
- Transfer/Payout Fees: R$ 2.99 per successful transfer for daily and weekly payout frequencies. Monthly frequency transfers are exempt from this fee. Minimum payout amount is R$ 5.00. Fee effective January 20, 2026.
- POS Machine Rental/Sales: Physical point-of-sale terminals supporting credit, debit, and PIX payments with WiFi, 2G/3G/4G connectivity, durable battery, and free thermal paper. Delivery included.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Maquininha (POS) - Credit Card Rates |
| Transaction based/ take rate | Pay-as-you-go | Maquininha (POS) - Debit Rate |
| Subscription | Monthly | Online Sales Plan |
| Subscription | Monthly | Marketplace Plan |
| Transaction based/ take rate | Pay-as-you-go | PIX Rate |
| Transaction based/ take rate | Pay-as-you-go | Transfer/Payout Fee |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Safe2pay product offering
Product offeringCore offering
Safe2Pay is a Brazilian payment institution authorized by the Banco Central do Brasil that intermediates online and in-person payment transactions. It provides merchants with physical POS terminals (maquininhas), an online payment gateway accepting PIX, boleto bancário, and major credit/debit card brands, recurring billing and subscription management, and split payment functionality for marketplaces. The offering is delivered through a REST API platform with SDKs for Node, PHP, .NET, and Java, plus native Magento and WooCommerce integrations.
Product overview
Safe2Pay is a payment institution (instituição de pagamento) authorized by Brazil's Banco Central, operating as a comprehensive digital payments platform. The offering is organized around four core product categories: (1) Maquininha — a physical point-of-sale (POS) terminal for in-person card and PIX payments; (2) Vendas Online — an online payment gateway supporting credit card (Visa, Mastercard, Amex, Hipercard, Elo, Diners), bank slip (boleto) without registration fees, and PIX, bundled with receivables management tools; (3) Cobrança Recorrente — a subscription and recurring billing engine with configurable plans, frequencies, and proration; and (4) Split de Pagamento (Marketplace) — a fund-splitting and sub-account management solution for marketplace operators. These core products are supported by modular add-ons including a PCI DSS-compliant card vault (Cofre de Cartões), receivables anticipation, payment links, carnê installment booklets, transaction webhooks, and DDA (Direct Authorized Debit) inquiry. Pricing is tiered, with the base online sales plan at R$ 52.50/month and the full Marketplace plan at R$ 419.00/month. Integration is primarily via a REST API (v2) with backend SDKs in Node, PHP, .NET, and Java, plus native e-commerce plugins for Magento and WooCommerce.
Differentiator
Problem solved
Functional benefit
Products and services
- Maquininha (POS Terminal)
Quantifiable outcome
- 92% of consumers abandoned online purchases due to fraud concerns (market data)
- +2 more outcomes
Companies that use Safe2pay
Customer profileSegments6 records
Ideal customer profiles4 records
Safe2pay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature10 records
Safe2pay partnerships and signals
Strategic signalScale indicators2 records
Recent moves4 records
Expansion highlights4 records
Safe2pay competitors and assessment
Company assessmentBroad incumbents
- Mercado Pago: Payment arm of Mercado Livre operating in Brazil, offering acquiring, POS, credit, and online gateway services. Overlaps with Safe2Pay in online payments and POS but is bundled with the dominant e-commerce ecosystem in Latin America.
- Cielo: Largest Brazilian card acquirer historically, providing POS terminals and online payment solutions across credit, debit, and Pix. Competes with Safe2Pay in POS and online acquiring but serves a much wider merchant base including large enterprises.
- Stone Co. Major Brazilian payments acquirer offering POS terminals, online processing, banking, and software solutions for merchants. Overlaps with Safe2Pay on POS and online acquiring but operates at significantly greater scale and with a broader financial services portfolio.
- Rede (Itaú): Card acquirer owned by Itaú Unibanco providing POS terminals and online payment processing in Brazil. Directly competes with Safe2Pay in acquiring while leveraging the banking parent's distribution and balance sheet.
Direct peers
- Juno: Brazilian payment platform targeting SMBs and online businesses with account, payment links, and API-driven processing. Comparable to Safe2Pay on online gateway and SMB-focused PLG motion.
- PagSeguro: One of Brazil's largest payment acquirers and fintechs, offering POS terminals, online payment gateway, recurring billing, and Pix/boleto/credit card acceptance. Directly competes with Safe2Pay across the full SMB-to-enterprise spectrum in Brazil.
- Pagar.me: Brazilian payment gateway owned by Stone, offering online processing, split payments for marketplaces, recurring billing, and Pix/boleto support. Closely comparable to Safe2Pay's online gateway and marketplace split products, especially for digital-native merchants.
- EBANX: Brazilian-founded payment processor offering local payment method acceptance (Pix, boleto, installments) and cross-border processing for global merchants. Compares to Safe2Pay on Brazilian payment method coverage but differentiates with cross-border capabilities.
- Zoop: Brazilian payment infrastructure provider offering API-first acquiring, split payments, and white-label payment solutions for marketplaces and digital platforms. Closely matches Safe2Pay's marketplace split and API-first positioning.
Emerging players
- PicPay: Brazilian digital wallet and payment platform offering Pix payments, card issuance, and merchant acquiring. Compares to Safe2Pay on Pix acceptance and Brazilian SMB payment flows, though differentiated by its consumer wallet origins.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Safe2pay social profiles
Digital presenceSafe2pay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Safe2pay leadership team
Management profileNumber of profiles
Safe2pay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Safe2pay 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 Safe2pay
What does Safe2pay do?
Safe2Pay is a Brazilian payment institution authorized by the Banco Central do Brasil that intermediates online and in-person payment transactions. It provides merchants with physical POS terminals (maquininhas), an online payment gateway accepting PIX, boleto bancário, and major credit/debit card brands, recurring billing and subscription management, and split payment functionality for marketplaces. The offering is delivered through a REST API platform with SDKs for Node, PHP, .NET, and Java, plus native Magento and WooCommerce integrations.
Is Safe2pay a public or private company?
Safe2pay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Safe2pay founded?
Safe2pay was founded in 2020. It employs 11 to 50 people.
Where is Safe2pay based?
Safe2pay is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does Safe2pay make money?
Six revenue lines are on record. Transaction Fees are the primary driver. The others are monthly Subscription - Venda Online, monthly Subscription - Marketplace Plan, receivables Anticipation Fees, transfer/Payout Fees and POS Machine Rental/Sales.
Who are Safe2pay's main competitors?
Broad incumbents on record are Mercado Pago, Cielo, Stone Co. and Rede (Itaú). Direct peers are Juno, PagSeguro, Pagar.me, EBANX and Zoop. PicPay is listed as an emerging player.
Does Safe2pay have an API?
Yes. Safe2Pay offers a public REST API (v2) for automating payment processing, collection, and fund transfers across multiple payment methods including Pix (static and dynamic), bank slips (boleto), credit cards, and payment links. The API also supports subscription and recurring plan management, card tokenization (cofre de cartão), payment split (split de pagamentos), receivables anticipation (antecipação de recebíveis), webhooks for real-time notifications, and a complete admin dashboard. APIs available: Cobrança at https://payment.safe2pay.com.br (v2), API at https://api.safe2pay.com.br (v2), and Serviços at https://services.safe2pay.com.br (v1). Authentication uses X-API-KEY header. Separate keys exist for sandbox and production environments. Backend SDKs available in Node, PHP, .NET, and Java. E-commerce integrations via Magento and WooCommerce. PCI DSS compliant. Developer documentation is at developers.safe2pay.com.br.