Adiq Credenciadora

What Adiq Credenciadora does

Adiq Credenciadora, operating commercially as BS2 Payments, is a Brazilian payment solutions provider headquartered in Vila Olímpia, São Paulo, regulated by the Banco Central do Brasil (BACEN). The company runs a full-stack payment platform organized around four pillars: Acquiring-as-a-Service (Adquirência como Serviço), which supplies large enterprises with the infrastructure to operate their own acquiring businesses; BIN Sponsorship, which uses Adiq's existing BACEN license to let partners enter the acquiring market without undergoing the multi-year direct licensing process; a Sub-acquirer Platform that delivers plug-and-play capture, processing, dynamic Merchant Category Code (MCC) classification, intelligent pricing, and CIP (Central da Infraestrutura de Pagamentos) settlement integration; and Digital Solutions covering payment links, split payments, recurring billing, and anti-fraud for e-commerce. The platform supports all major Brazilian card networks (Visa, Mastercard, Hipercard, Elo, American Express, and Hiper) and is supplemented by add-on modules for physical POS, online payment processing, BPO services, regulatory compliance, and a digital account product (Conta Digital).

Name

Adiq Credenciadora

Legal name

Adiq Credenciadora

Website

https://adiq.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Adiq Credenciadora (BS2 Payments) is a Brazilian BACEN-regulated payment platform offering acquiring-as-a-service, BIN sponsorship, sub-acquirer infrastructure, and digital payment tools to large enterprises, sub-acquirers, and e-commerce merchants across Brazil.

Ownership category

akta.pro rank

Product category

Payment Processing and Acquiring Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

akta.pro secondary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing
• Acquiring services
• Sub-acquirer platform
• Payment infrastructure
• Electronic transaction processing

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, Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Payment Processing & Transaction Fees: Core revenue from processing payment transactions across physical and digital channels. Charges transaction fees on each payment processed through the platform.
2. Acquiring as a Service Licensing: Infrastructure licensing revenue from providing complete acquiring infrastructure to large enterprises, turning their supplier expenses into revenue streams.
3. Managed Services: Ongoing managed services for sub-acquirers and enterprises including platform support, CIP settlement integration, and operational services.
4. Digital Payment Solutions: Revenue from digital payment services including payment links, split payments, and recurring billing solutions for e-commerce merchants.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Adiq Credenciadora (operating as BS2 Payments) is a Brazilian payment solutions company that captures, processes, and settles electronic transactions. Its core offering is a unified B2B payment platform built around four pillars: Acquiring-as-a-Service (enabling large enterprises to build proprietary acquiring infrastructure), BIN Sponsorship (accelerating BACEN regulatory licensing for acquiring operations), a Sub-acquirer Plug & Play platform (with capture, processing, dynamic MCC, intelligent pricing, and CIP settlement integration), and digital e-commerce solutions (payment links, split payments, recurring billing, anti-fraud).

Product overview

BS2 Payments is a unified payment platform operating as a platform-plus-modules architecture. The core offering comprises four main pillars: (1) Adquirência como Serviço — enabling enterprises to build their own acquiring capabilities, (2) BIN Sponsorship — providing instant acquiring setup through BACEN partnership, (3) Subadquirentes Platform — a Plug & Play platform for sub-acquirers with capture, processing, dynamic MCC, smart pricing, and CIP settlement integration, and (4) Soluções Digitais — digital e-commerce solutions including payment links, split, recurrence, and anti-fraud. Additional modules include Soluções Físicas (physical POS solutions), Soluções Online de Pagamento (online payment processing), BPO services, Regulatório (regulatory compliance), and Conta Digital (digital account). The platform supports major Brazilian card brands including Visa, Mastercard, Hipercard, Elo, American Express, and Hiper.

Differentiator

Problem solved

Functional benefit

Products and services

• Adquirência como Serviço (Acquiring as a Service) Acquiring-as-a-Service offering that transforms supplier payment processing expenses into revenue streams, providing complete infrastructure for large enterprises to build their own proprietary acquiring capabilities.
• BIN Sponsorship Partnership model enabling instant acquiring setup by reducing the BACEN license acquisition process that typically takes years, providing regulatory agility for partners entering the payments market.
• Subadquirentes Platform (Sub-acquirer Platform) Plug & Play platform for sub-acquirers to connect and transact quickly and securely, featuring capture solutions, processing, dynamic MCC, intelligent pricing, and integrated CIP settlement service.
• Soluções Digitais (Digital Solutions) Digital solutions for e-commerce acceleration including payment links, split payments, recurring payments, and anti-fraud services to enable competitive digital commerce operations.
• BS2 Payments Platform Unified payment platform by Adiq Credenciadora that provides acquiring-as-a-service infrastructure, BIN sponsorship, sub-acquirer solutions, and digital payment solutions for enterprise businesses.

Quantifiable outcome

• Reduces BACEN licensing process from years to near-instant through BIN sponsorship model

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• VisacoreTechnology or IntegrationMajor card network partner enabling Visa payment processing across BS2 Payments platform for merchants and sub-acquirers. Supported through all product lines including physical POS and digital e-commerce solutions.
• MastercardcoreTechnology or IntegrationCard network integration partner for Mastercard payment acceptance. Enables transaction processing across all BS2 Payments products and services.
• HipercardcoreTechnology or IntegrationBrazilian card brand partner for Hipercard payment processing. Critical for domestic market coverage in Brazil.
• ElocoreTechnology or IntegrationBrazilian card network partner for Elo payment acceptance, supporting domestic payment processing for Brazilian merchants.
• American Express (Amex)coreTechnology or IntegrationInternational card network integration for American Express payment acceptance on BS2 Payments platform.
• HipercoreTechnology or IntegrationBrazilian card brand (banco do Brasil/Bradesco) integration for Hiper payment network acceptance.
• ABIPAG (Associação Brasileira de Pagadores Instantâneos)minorOthersIndustry association membership demonstrating commitment to Brazilian payment standards and instant payment ecosystem participation.
• ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços)minorOthersBrazilian credit card and payment services industry association membership for market standards participation and industry advocacy.
• BACEN (Banco Central do Brasil)coreOthersRegulatory oversight by Brazilian Central Bank. BS2 Payments operates under BACEN supervision for payment institution licensing and compliance requirements.
• CIP (Central da Infraestrutura de Pagamentos)coreTechnology or IntegrationIntegration with CIP settlement infrastructure for integrated payment settlement services, enabling real-time and scheduled fund transfers for merchants.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@bancobs2_br
• Facebookpt-br.facebook.com/bancobs2
• LinkedInlinkedin.com/company/bancobs2
• Instagraminstagram.com/bancobs2

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Adiq Credenciadora