What Gerencianet does

Gerencianet, founded in 2007 in Ouro Prêto, Brazil, operates today as Efí Bank (legal name Efí S.A.), a private payment institution licensed by the Banco Central do Brasil under bank code 364 with a Nota A compliance rating. The company runs a platform-plus-modules architecture built around an API-first payment platform (Efí Pay) that supports Pix, boleto (including boleto com QR Code Pix), and major credit card brands, complemented by a digital business account (Conta Digital), a PJ Visa business credit card, receivables anticipation, and an expanding set of Pix-native products including Pix Automático, Pix Recorrente, and Pix por Biometria. Technical infrastructure is positioned as developer-first: clean modern API architecture, multi-language SDKs, #1-rated API documentation, 99.9% uptime SLA, and Open Finance integration. Distribution combines self-serve PLG (free account opening via website and mobile apps rated 4.6–4.7/5), direct API integration for developers, a partner/reseller program targeting ISPs and Brazilian sports betting operators, and an inside sales motion for higher-volume accounts.

The business model is transaction-fee-led (take rate on Pix, boleto, and card processing) with ancillary recurring revenue from digital account services, API/platform access, receivables anticipation, and credit card interest and fees. Pricing is described as transparent and tiered but is not publicly disclosed on the main site. The customer base is distributed across 770,000+ Brazilian businesses, predominantly SMBs (pessoa jurídica), plus system integrators, ISPs, and sports betting operators as specialized verticals. The company has processed R$ 113+ billion in transaction volume and 9+ billion API transactions cumulatively, and operates the largest Brazilian payment-API developer community on Discord (10,000+ integrators). All operations are domestic to Brazil; there is no disclosed international footprint, and ownership is private with no disclosed venture or private equity backing.

Name

Gerencianet

Legal name

Efí S.A.

Website

https://gerencianet.com.br

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Efí Bank (formerly Gerencianet) is a Brazilian digital bank and payment institution serving 770,000+ SMBs via an API-first platform supporting Pix, boleto, credit card, and Open Finance payments, plus a digital account and PJ Visa credit card.

Ownership category

akta.pro rank

Product category

Digital Payments and Business Banking

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (522210), Sales Financing (52222)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

akta.pro secondary industries

Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

Keywords

• Payment processing APIs
• Digital business banking
• Pix payment gateway
• Boleto billing solutions
• Open Finance payments

Headquarters

HQ city

Ouro Prêto

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, Others

Revenue model

1. Payment Processing Fees: Transaction-based fees charged on Pix, boleto, and credit card payments processed through the platform. Fees are transparent and tiered based on transaction type and volume.
2. Digital Account Services: Digital business account with transaction capabilities, potentially including monthly fees or per-transaction charges for account services.
3. API and Platform Access: Access to payment APIs and management platform, with integration support services.
4. Receivable Anticipation: Advance payment of receivables for merchants, generating fees for the service.
5. Credit Card Services: Business credit card (PJ Visa) with financing capabilities, generating interest and fee revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Gerencianet (operating as Efí Bank) operates a digital business bank and payment platform for Brazilian companies, offering Pix, boleto, and credit card acceptance alongside a digital business account and a developer-first API layer. The platform enables SMBs, ISPs, and sports betting operators to automate billing, reconcile receivables, and integrate payments via APIs with 99.9% uptime, supported by an 18-year licensed payment institution (Banco Central code 364).

Product overview

Efí Bank (formerly Gerencianet) operates as a digital bank and payment platform ecosystem for businesses in Brazil. The platform-plus-modules architecture centers on the Efí Pay payment platform offering multiple integrated payment methods (Pix, boletos, credit cards), supported by a digital business account (Conta Digital), and accessible via APIs for developers or through the app/platform interface for non-technical users. Key products include API Pix (real-time payments), Boleto com QR Code Pix (modernized boleto), Link de Pagamento (payment links), Pagamento Recorrente (subscriptions), and specialized offerings like Pix Automático, Pix por Biometria, and Pix Recorrente. The ecosystem also includes financial services like Antecipação de Recebíveis (receivables advance) and a PJ Visa business credit card. The platform targets internet service providers (ISPs) and sports betting (bet) segments with dedicated solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Efí Pay: Payment platform offering APIs for boleto, Pix, split payments, checkout transparent, and recurring payments integration.

Products and services

• Plataforma de Pagamentos Efí Pay Core payment platform for Brazilian businesses enabling acceptance of Pix, boleto, and major credit card brands with fraud protection and transparent transaction-based pricing.
• Conta Digital Digital business and personal account for financial management, bill payment, supplier payment, and bank reconciliation within the Efí Bank platform.
• Boleto com QR Code Pix Hybrid boleto instrument pairing traditional boleto banking with Pix QR Code so businesses can receive payments faster while preserving boleto compatibility.
• API Pix Real-time Pix payment API enabling instant receipt of payments on the Brazilian instant payment rail with QR code support for developers.
• API Pix via Open Finance API connecting apps and websites to all Brazilian banks through the Open Finance framework to accelerate customer payment journeys via Pix.
• Cartão de Crédito PJ Visa Business credit card issued in partnership with Visa, enabling PJ customers to finance purchases with secure installment processing on the Visa network.
• Link de Pagamento Payment link solution that lets businesses send customers shareable links to complete payment via Pix, boleto, or card without an integrated checkout.
• Pagamento Recorrente Subscription and recurring billing platform for businesses managing repeat payment collection from customers.
• Antecipação de Recebíveis Receivables anticipation service that lets businesses receive early payment on future receivables in exchange for a fee.
• Checkout Transparente Transparent checkout solution for e-commerce sites enabling seamless online payment processing with fraud protection.
• Pix Automático Automatic Pix payment solution enabling scheduled and automated payment collection on the Pix instant rail.
• Pix por Biometria Pix payment method that uses biometric authentication for stronger security and frictionless checkout.
• Pix Recorrente Recurring Pix payment solution that enables subscription billing using Brazil's instant payment rails.
• Bolix Automático Automated boleto generation and management solution for streamlined recurring billing on the boleto rail.

Quantifiable outcome

• R$ 113+ billion processed annually
• +4 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

Five partnerships are on record, tiered core.

• BlipcoreTechnology or IntegrationBlip and Efí Bank partnership for initiating payment through WhatsApp, enabling conversational commerce and payment experiences within the messaging platform
• Open Finance BrazilcoreTechnology or IntegrationOpen Finance integration allowing connection to all Brazilian banks through the central banking infrastructure, enabling Pix via Open Finance payments
• VisacoreTechnology or IntegrationVisa partnership for PJ (business) credit card issuance, enabling business financing through the Visa payment network
• Internet Service Providers (ISPs)coreChannel Partner/ Reseller/ DistributorVertical-specific partnership program for internet service providers, offering tailored payment system solutions for the telecom industry
• Sports Betting Operators (Bet)coreChannel Partner/ Reseller/ DistributorSpecialized payment solutions for sports betting operators in Brazil, addressing the specific regulatory and transaction needs of the betting industry

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Zoop: Brazilian payments-as-a-service and BaaS infrastructure provider enabling companies to embed payments, overlapping Efi's API and white-label distribution to integrators.

Direct peers

• Iugu: Brazilian payment-API and billing automation provider serving businesses with Pix, boleto and card processing plus BaaS, mirroring Efi's developer-first payments infrastructure model.
• Cora: Digital bank for Brazilian small businesses offering accounts, billing and payments, competing with Efi's Conta Digital PJ and collection tools.
• Asaas: Brazilian digital account and billing/payments platform for SMBs offering boleto, Pix, cards and receivables management via API, directly overlapping Efi's core B2B payment and collection use case.
• Juno (Celcoin/Ebanx group): Brazilian payment and billing platform for businesses providing boleto, Pix and card processing with digital account features, targeting the same SMB collection niche as Efi.
• Pagar.me: Brazilian payment API/gateway (Stone group) enabling businesses to accept Pix, boleto, cards and split payments through developer-friendly integrations, closely comparable to Efi Pay.

Others

• EBANX: Brazil-based payments infrastructure firm focused on local payment methods and cross-border processing, adjacent to Efi's local-rail/APM enablement but oriented to global merchants.

Broad incumbents

• Mercado Pago: Large LatAm fintech offering payment processing, digital wallet, Pix and merchant credit, overlapping Efi's payments and account services at much greater scale.
• Stone: Major Brazilian fintech providing payment processing, banking and credit to businesses, competing broadly with Efi's merchant payments and financial services.
• PagBank (PagSeguro): Large Brazilian payments and digital banking group serving merchants and businesses across Pix, cards and accounts, a scaled incumbent overlapping Efi's payment and banking offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat7 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/gerencianet
• Facebookfacebook.com/Gerencianet
• LinkedInlinkedin.com/company/ger-ncianet-pagamentos-do-brasil

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 Gerencianet