Cappta

What Cappta does

Cappta (legal name: Cappta Instituição de Pagamento SA, CNPJ 13.966.572/0001-71) is a Brazilian payment institution authorized by the Banco Central do Brasil under Resolution BCB No. 80 of March 25, 2021, and operates as a subsidiary within the Stone Co group. Founded in 2011-2012 and headquartered in São Paulo, the company provides a white-label embedded finance platform that enables partner businesses to offer branded payment, banking, and backoffice services without building infrastructure from scratch.

The platform is organized into three core modules — Payments (POS/TEF, payment links up to 21x installments, boleto issuance, and a proprietary "Split de Recebíveis" capability for tax-optimized receivables distribution), Banking (white-label digital accounts), and Backoffice (management, credentialing, automated risk analysis, and third-party integrations) — unified through an API HUB. Cappta also operates the Parcele Já sub-brand for installment financing up to 18x, and the Capital à Vista educational blog. Differentiators cited include Central Bank authorization, PCI-DSS certification, KYC/biometric validation, and a 7-day implementation timeline versus an estimated 50 weeks for in-house builds, at under R$50K versus R$500K-5M.

Cappta monetizes through transaction fees on payment processing (card, PIX, boleto), R$199/month licensing fees from 150+ entrepreneurs in the Programa Empreendedor Cappta (waivable on productivity targets), and quote-based White Label enterprise licensing. Distribution combines a licensed-entrepreneur field force, direct enterprise sales, OEM/embedded deployments, and API integration for software partners. Target verticals include wholesalers, manufacturers, distributors, banking correspondents, management software vendors, franchisors, and SMB segments in automotive services, healthcare clinics, and construction material retail.

Name

Cappta

Legal name

Cappta Instituição de Pagamento SA

Website

https://cappta.com.br

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Cappta is a Brazilian Central Bank-authorized payment institution offering a white-label embedded finance platform. It enables wholesalers, distributors, franchisors, software vendors, and SMBs to deploy branded payments, digital banking, and backoffice solutions via 150+ licensed entrepreneurs across Brazil.

Ownership category

akta.pro rank

Product category

Embedded Finance / Payment Processing

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Card Issuing & Program Management Platforms (BPAMAFAH), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG)

Keywords

• Embedded finance platform
• White label payments
• Payment processing software
• Digital banking infrastructure
• Receivables split technology

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. Transaction Fees and Commissions: Cappta generates revenue through transaction fees on payment processing (card, PIX, boleto) and commissions from the entrepreneur partner program. Entrepreneurs earn commissions ranging from 0.10% to 5% per transaction based on rates and installment terms.
2. Licensing Fees: Licensed entrepreneur partners pay R$ 199.00 monthly license fee for access to Cappta's platform and brand. Fee can be waived upon meeting minimum monthly productivity targets.
3. White Label Platform Licensing: Revenue from businesses licensing Cappta's White Label embedded finance platform to offer their own branded financial services including payments, digital accounts, and backoffice management.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Cappta provides a White Label embedded finance platform that enables businesses across Brazil to offer branded payment capture, digital accounts, and backoffice management services to their distribution networks, franchisees, customers, and suppliers. The modular platform covers POS/TEF terminals, payment links with installments up to 21x, PIX, boleto issuance, receivables splitting for tax optimization, white-label digital banking apps, and an API integration hub, all backed by Central Bank authorization as a payment institution.

Product overview

Cappta offers a modular white label embedded finance platform composed of three core modules: Payments (payment capture with POS/TEF, payment links, bill issuance, and receivables split), Banking (white label digital account with financial management), and Backoffice (comprehensive management and credentialing portal). These modules are unified through an API HUB for platform integration, all delivered under a white label model allowing partners to brand financial services as their own. Additional offerings include the Parcele Já installment financing solution and the Capital à Vista educational blog. The company has over 14 years of experience serving Brazilian businesses including wholesalers, manufacturers, distributors, banking correspondents, software providers, and franchisors.

Differentiator

Problem solved

Functional benefit

Brands

• Capital à Vista: Financial education blog operated by Cappta providing content on entrepreneurship, financial management, and business tips.

Products and services

• Payments White label payment capture software module offering POS and TEF, payment links with installments up to 21x and recurrence, PIX, boleto issuance, and Split de Recebíveis, with D+1 settlement. Designed for businesses embedding payment acceptance into their own branded operations.
• Banking White label digital payment account module that enables partners to create and offer their own branded digital banking app with financial management and tax planning features for end customers.
• Backoffice Management and credentialing portal providing real-time dashboards, automated risk analysis, customized access profiles, and integration with third-party applications for partners running fintech operations.
• API HUB Integration layer enabling partners with existing platforms to connect to Cappta's payment capture, digital accounts, and backoffice functionality via documented API endpoints.
• White Label Embedded Finance Platform Comprehensive white label platform combining Payments, Banking, and Backoffice modules with API integration capabilities, allowing businesses to offer branded financial services covering payment acceptance, digital accounts, receivables splitting, and operations management.
• Parcele Já Installment financing solution allowing merchants to offer customers purchases in installments up to 18x while the merchant receives the full amount immediately without anticipation fees, targeted at high-ticket SMB retailers.

Quantifiable outcome

• Reduces implementation cost by up to 99% (from R$ 500K-5M to <R$ 50K)
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Stone Co. Cappta's parent company and Brazil's leading independent payment acquirer. Stone offers POS acquiring, banking, and software for SMBs — directly overlapping with Cappta's payment capture and digital account modules but at significantly larger scale.
• Cielo: Brazil's largest payment acquirer, providing POS, e-commerce, and embedded payment solutions for merchants. Competes with Cappta in payment capture and offers white-label capabilities for large enterprise partners.
• PagSeguro: UOL subsidiary offering payment acquiring, digital accounts, and POS solutions across Brazil. Overlaps with Cappta's payments and banking modules, particularly for SMB merchants.
• Mercado Pago: Fintech arm of Mercado Libre, providing payment processing, digital accounts, credit, and POS solutions across Latin America. Comparable as a full-stack payments and embedded finance provider, though at vastly larger scale.
• Rede (Itaú): Payment acquiring subsidiary of Itaú Unibanco, Brazil's largest private bank. Provides POS, e-commerce, and integrated payment solutions to merchants nationwide, overlapping with Cappta's payment capture business.

Direct peers

• Dock: Brazilian BaaS and payment-processing platform (formerly Conductor) enabling banks and enterprises to launch digital accounts, cards, and payment solutions. Direct competitor to Cappta's white-label embedded finance offering.
• Pomelo: Latin American BaaS platform providing card issuing, digital accounts, and payment infrastructure for fintechs and enterprises. Closely comparable to Cappta's modular embedded finance architecture.
• Celcoin: Brazilian BaaS and payment institution serving banks, fintechs, and enterprises with PIX, boleto, banking-as-a-service, and credit APIs. Comparable white-label infrastructure focus.
• Pismo: Cloud-native core banking and payment processing platform serving banks and large enterprises across Latin America and globally. Comparable in providing programmable payment and account infrastructure for embedded finance use cases.
• Zoop: Brazilian fintech-as-a-service platform providing payment processing, banking, and API infrastructure for businesses to offer financial services. Direct comparable in white-label embedded finance positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cappta

Compliance3 records

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 Cappta