What Cobransaas does

Cobransaas is a Brazilian complete debit collection solution positioned as a portfolio management and collection lifecycle module (Gestão de Carteira e Cobrança) within the broader Celcoin embedded finance platform. Its functional purpose is to automate the full credit lifecycle from issuance to reconciliation: managing portfolio positions with daily accruals, supporting pre- and post-fixed rate structures (IPCA+, IGPM, CDI+), calculating amortization schedules (regular and irregular), partial payments, fines, and overdue interest, and orchestrating collection strategies adapted to customer profile and segment. The solution is built API-first and integrates directly with major Brazilian banks for payment issuance and reconciliation via boleto, Pix, and Bolepix, with major ERPs for operational synchronization, with FIDCs for accounting and credit event transmission, and with the three principal credit bureaus (Boa Vista, Serasa, Quod) for automated negative credit reporting and collection-agency transfers. Multi-channel communication (WhatsApp, SMS, e-mail, voice calls) is configurable in tone, frequency, and content per segment.

The product sits within Celcoin Instituição de Pagamento S.A., a licensed Brazilian Payment Institution, and is sold alongside related modules (cel_banking, cel_payments, cel_bricks, Open Finance Pix variants, Plataforma de Antecipações, mybenk) under a single enterprise brand. The go-to-market is consultative enterprise field sales — "Fale com um especialista" — targeting seven vertical segments: financial institutions and banks, collection and credit recovery firms, leasing and factoring companies, FIDCs, e-commerce/retail BNPL providers, public utilities/concessionaires, and credit fintechs. Pricing is quote-based and not publicly disclosed; revenue mechanics combine subscription/recurring platform fees with transaction-based processing fees across the Celcoin suite. Distribution is supplemented by a Developer Hub (APIs, documentation, quick-start guides, real-time webhooks, MCP for AI-assisted development) supporting a self-serve integration path. Founded 2014 per firmographics, headquartered in Porto Alegre, Brazil; headcount listed at 1-10.

Name

Cobransaas

Legal name

Celcoin Instituição de Pagamento S.A.

Website

https://cobransaas.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Cobransaas is a Brazilian debt collection and portfolio management solution that automates the full credit lifecycle for banks, FIDCs, fintechs, e-commerce, and utilities. It integrates with Brazilian banks, ERPs, and credit bureaus (Boa Vista, Serasa, Quod) to issue payments, reconcile receipts, and orchestrate multi-channel collection workflows.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt collection software
• Portfolio management
• Collection automation
• Credit recovery platform
• Accounts receivable

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. BaaS and Embedded Finance Platform Fees: Celcoin operates as a Payment Institution (Instituição de Pagamento) providing Banking-as-a-Service (BaaS), cel_banking, cel_payments, and cel_credit solutions. Revenue likely derives from platform licensing, API transaction fees, and managed services for embedded finance deployments.
2. Transaction-based Processing: Revenue generated through payment processing, Pix transactions, boleto and Bolepix payments, prepaid recharge, and vehicle debit operations via the cel_payments suite.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Cobransaas provides a complete debit collection SaaS solution (Gestão de Carteira e Cobrança) that automates the full credit and collection lifecycle. The platform integrates with banks, ERPs, FIDCs, and credit bureaus (Boa Vista, Serasa, Quod) to manage portfolio updates, collection workflows, payment reconciliation via boleto/Pix/Bolepix, and multi-channel debtor communication (WhatsApp, SMS, email, voice). It serves financial institutions, banks, collection agencies, leasing/factoring firms, FIDCs, e-commerce platforms, utilities, and fintechs operating in Brazil.

Product overview

Celcoin is a Brazilian Open Finance and Embedded Finance platform offering a comprehensive suite of financial solutions organized under three main product lines: cel_bricks (Embedded Finance platform), cel_banking (Banking-as-a-Service with BaaS, Banco Liquidante, White Label Cards, Data Sharing, Core Banking, Open Insurance, and Regulatory modules), cel_payments (Payment services including vehicle debit, payment gateway, Pix, bill payments, recharges, and cash services), and cel_credit (Credit lifecycle solutions including CCB, Consignado as a Service, Escrow Account, Core Credit, Portfolio and Collection Management, and Commercial Notes). Additional offerings include Open Finance solutions (Pix Automático, Pix Inteligente, Pix por Aproximação, Pix Biometria, Pix Recorrente, Financial Data, Cadastro Expresso), Plataforma de Antecipações for receivables, and mybenk for internal financial management. The platform provides regulatory, technological, and operational infrastructure for financial institutions, fintechs, and businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestão de Carteira e Cobrança (Portfolio Management and Collection) Integrated portfolio management and debt collection solution that automates the entire credit lifecycle from issuance to reconciliation, with daily updates, customizable collection strategies, multi-channel debtor communication, and integration with banks, ERPs, FIDCs, and credit bureaus. Designed for financial institutions, banks, collection agencies, leasing/factoring companies, FIDCs, e-commerce platforms, public utilities/concessionaires, and credit fintechs.

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability7 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• Boa Vista (SCPC)coreTechnology or IntegrationIntegration with Boa Vista (Serviço Central de Proteção ao Crédito) for automated negative credit reporting and collection agency transfers as part of the portfolio management workflow.
• Serasa ExperiancoreTechnology or IntegrationIntegration with Serasa Experian for automated negative credit reporting via bureaus as part of the collection management and debtor monitoring process.
• QuodcoreTechnology or IntegrationIntegration with Quod for automated negative credit reporting and debtor data enrichment supporting the collection workflow automation.
• Major Brazilian ERP SystemscoreTechnology or IntegrationIntegration with major Brazilian ERP systems enabling financial operations synchronization, credit operation management optimization, and real-time transaction updates for portfolio management.
• FIDCs (Investment Funds in Credit Rights)coreStrategic or Co-development PartnerDirect API integration with FIDCs for automatic transmission of accounting and credit events, real-time synchronization of transactions, and increased operational efficiency in credit rights management.
• Major Brazilian BankscoreTechnology or IntegrationDirect integration with major Brazilian banks for automated payment issuance and reconciliation via boleto, Pix, and Bolepix, enabling automatic payment processing and clearing.

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pomelo: Latin American BaaS and card issuing processor that also supports credit and collection workflows for fintechs. Comparable embedded-finance SaaS model serving similar financial-institution clients.
• Celcoin: Brazilian embedded finance and credit platform offering a directly comparable cel_credit 'Gestão de Carteira e Cobrança' module with portfolio management, automated collections, and bureau/bank integrations. Most direct functional overlap with Cobransaas's offering.
• Hub2: Brazilian fintech infrastructure provider offering embedded finance and credit lifecycle tooling, including collection management capabilities for fintechs and lenders. Overlaps in target customer (credit originators) and SaaS delivery model.

Broad incumbents

• Inter: Large Brazilian digital bank with embedded credit and collection operations. Represents both a potential large customer for Cobransaas and a vertically integrated competitor in credit lifecycle management.
• Pismo: Cloud-native core banking and payments platform (now part of Visa) serving large financial institutions across Latin America. Competes in adjacent infrastructure layers with broader scope than Cobransaas.
• Cora: Brazilian digital business banking platform. Operates in adjacent credit and receivables management space with broader SMB banking focus; an established alternative for collection/credit workflows.

Others

• Boa Vista SCPC: Major Brazilian credit bureau and data analytics provider. Cobransaas integrates with Boa Vista; Boa Vista's broader recovery and analytics offerings make it an adjacent rather than direct competitor.
• Serasa Experian: Brazilian credit bureau and consumer credit management platform. Cobransaas relies on Serasa bureau integration, but Serasa also operates adjacent recovery and credit-monitoring services.
• Quod: Brazilian credit bureau joint venture among major banks. Cobransaas integrates with Quod for negative reporting; Quod itself is an adjacent data and analytics player rather than a direct competitor.

Emerging players

• Z1: Brazilian teen/banking platform built on top of BaaS infrastructure; relevant as an emerging fintech whose credit and collection needs could be served by Cobransaas or comparable vendors.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/finansaas
• Facebookfacebook.com/cobransaas
• LinkedInlinkedin.com/company/tivea

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Cobransaas