PJBank
PJBank is a Brazilian API-first digital payment platform offering boleto, PIX, and card processing integrated with 8+ ERP systems, serving SMB merchants and software developers via a transaction-based pricing model.
- Company typePrivate
- Founded2013
- HeadquartersCampinas, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What PJBank does
PJBank (legal entity: PJBank Pagamentos SA) is a Brazilian digital payment platform founded in 2013 and headquartered in the Alphaville district of Barueri, São Paulo. The company provides businesses with automated financial collection services — primarily boleto bancário, PIX instant payments, and credit/debit card processing — delivered via a RESTful API platform following Open Banking principles. PJBank was the first platform in Brazil to integrate financial services directly with enterprise resource planning (ERP) systems, and its core technology stack includes sandbox environments, multi-language SDKs, and PCI-DSS compliant payment infrastructure. The company processes more than 42 million boletos per year and over R$18 billion in annual transaction volume.
The company's business model is purely transaction-based: a single flat fee is charged only when a boleto is settled (paid by the customer), with zero fees for issuance, cancellation, alteration, or maintenance. Funds are automatically transferred to the merchant's destination account on a D+2 basis. PJBank monetizes PIX and card processing on similar transactional economics. Its go-to-market is API-first, targeting ERP integrators and software developers; the company maintains integration partnerships with eight or more Brazilian ERP platforms including Sankhya, ActiveSoft, Globaltec, Inside Sistemas, Evo Sistemas, Nibo, Harmonit, and Alterdata. PJBank serves primarily small and medium Brazilian businesses that use ERP systems for financial management, with a secondary segment of SaaS companies and developers embedding payment capabilities into their applications. The company operates as part of Grupo Superlógica and employs 51–100 people.
PJBank firmographics
Firmographics- Name
- PJBank
- Legal name
- PJBank Pagamentos SA
- Website
- https://pjbank.com.br
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PJBank is a Brazilian API-first digital payment platform offering boleto, PIX, and card processing integrated with 8+ ERP systems, serving SMB merchants and software developers via a transaction-based pricing model.
- Ownership category
- akta.pro rank
PJBank industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Nondepository Credit Intermediation (5222)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Bank Bill Pay (Consumer & Small Business) (FSAMAJAC), A2A Collections & Direct Account Funding (FSAMAFAH)
Keywords
Where PJBank is headquartered
LocationHeadquarters
- HQ city
- Campinas
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
PJBank business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Boleto Settlement Fee: Single flat fee charged only when a boleto is settled (paid by the customer). No fees for issuance, cancellation, alteration, or maintenance. This is a pure transaction-based revenue model where the company only earns when the customer successfully collects payment.
- PIX and Credit Card Payments: Revenue generated from processing PIX instant payments and credit card transactions. Part of the integrated financial services platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Single fee per settlement only |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
PJBank product offering
Product offeringCore offering
PJBank is a Brazilian digital financial platform that enables businesses to collect payments via boleto bancário, PIX instant payments, and credit/debit cards, delivered through a RESTful API designed for ERP integration. The platform automates bank ticket issuance, payment reconciliation, and fund transfers (D+2 settlement), charging a single flat fee only when a boleto is settled—with zero fees for issuance, cancellation, alteration, or maintenance. It serves software developers, SaaS companies, and businesses using ERP systems who need to embed financial services without engaging in traditional bank agreements.
Product overview
PJBank is a digital financial platform designed for businesses, offering a unified suite of payment collection services including boleto bancario, Pix instant payments, and card payments. All services are integrated via a RESTful API with ERP connectivity, following Open Banking principles to automate financial operations. The platform eliminates manual processes such as remittance/return file exchanges and offers single-rate pricing charged only upon successful payment.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 42+ million bank tickets (boletos) issued per year
- +3 more outcomes
Companies that use PJBank
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
PJBank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability1 record
Feature6 records
PJBank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- Inside SistemascoreInside Sistemas partnered with PJBank starting in 2016, initially with boleto bancário and later expanding to credit card. The partnership has delivered financial operation optimization, reduced default rates through automated collection, and increased profitability for Inside's customers.
- ActiveSoftcoreActiveSoft is an ERP partner integrated with PJBank, allowing joint customers to access automated boleto and payment services directly through the ActiveSoft platform.
- Evo SistemascoreEvo Sistemas provides gym/fitness management software integrated with PJBank. Customers can automatically enable boleto collection on day one of use, with payment information flowing back into the Evo platform for financial management.
- SankhyacoreSankhya is a major Brazilian ERP system integrated with PJBank, enabling automated financial payment collection services for Sankhya's extensive customer base.
- GlobalteccoreGlobaltec is an ERP partner that has delivered payment receiving solutions to over 1,200 clients through PJBank integration, following market best practices and generating new business opportunities.
- NibocoreNibo is an ERP/accounting software company integrated with PJBank for automated payment collection services.
- HarmonitcoreHarmonit is an ERP partner integrated with PJBank providing automated financial payment collection capabilities.
- AlterdatacoreAlterdata is a Brazilian ERP software company integrated with PJBank for automated payment collection services.
- SuperlógicacorePJBank is part of the Superlógica group. Data protection inquiries are directed to Superlógica's DPO ([email protected]). Companies share infrastructure and compliance resources. PJBank is listed under Superlógica's transparency portal for compliance documentation.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
PJBank competitors and assessment
Company assessmentBroad incumbents
- StoneCo (Stone): Major Brazilian SMB acquirer and digital banking provider offering card, PIX, boleto, and banking solutions. Competes with PJBank for Brazilian SMB payment volume but with much broader product portfolio and capital scale.
- Cielo: Brazil's largest card acquirer with expanding offerings in PIX and digital payments. A broad incumbent competing for the same SMB payment volume as PJBank but with established enterprise contracts and infrastructure.
- Mercado Pago: Payment and digital banking arm of Mercado Libre operating in Brazil with QR/PIX, card, and merchant credit products. A broad incumbent that competes for SMB payment volume with massive ecosystem reach.
- PagBank / PagSeguro: Listed Brazilian payments and digital banking player serving SMBs with cards, PIX, boleto, and banking. Overlaps with PJBank in payment acceptance but offers a wider bundled suite and larger sales force.
- Banco Inter: Brazilian digital bank offering business accounts with integrated PIX, boleto, and card acceptance via API and white-label solutions. Competes with PJBank's digital-account and embedded-payment proposition for SMBs.
Direct peers
- Vindi: Brazilian recurring billing and payment platform offering boleto, PIX, and card collection via API for SaaS and subscription businesses. Directly comparable to PJBank's API-driven SMB collection use cases.
- Pagar.me: Brazilian payment processor providing API-first payment infrastructure (boleto, PIX, card) for platforms and ERPs. Most directly comparable to PJBank given shared focus on embedded payment APIs for software platforms and SMB merchants.
- Zoop: Brazilian payment infrastructure provider offering APIs for digital accounts, boleto, PIX, and card processing targeted at marketplaces, ERPs, and SaaS platforms — directly overlapping PJBank's API-first, partner-distributed model.
Regional players
- EBANX: Brazil-headquartered cross-border payments specialist with strong local payment method coverage (PIX, boleto). Comparable payment-rail technology stack and developer-first API approach, though focused on cross-border rather than purely domestic SMB collections.
Others
- Superlógica (parent group): Parent conglomerate of PJBank providing recurring billing and SaaS management solutions. Internally comparable as an ecosystem participant sharing infrastructure and customer relationships with PJBank.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights6 records
Customer concentration
PJBank social profiles
Digital presencePJBank compliance and trust
Trust signalCompliance2 records
PJBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
PJBank leadership team
Management profileNumber of profiles
Profiles3 records
PJBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PJBank 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 PJBank
What does PJBank do?
PJBank is a Brazilian digital financial platform that enables businesses to collect payments via boleto bancário, PIX instant payments, and credit/debit cards, delivered through a RESTful API designed for ERP integration. The platform automates bank ticket issuance, payment reconciliation, and fund transfers (D+2 settlement), charging a single flat fee only when a boleto is settled—with zero fees for issuance, cancellation, alteration, or maintenance. It serves software developers, SaaS companies, and businesses using ERP systems who need to embed financial services without engaging in traditional bank agreements.
Is PJBank a public or private company?
PJBank is a private company. It is classified as corporate owned and is currently operating.
When was PJBank founded?
PJBank was founded in 2013. It employs 51 to 100 people.
Where is PJBank based?
PJBank is headquartered in Campinas, Brazil, in the Latin America region.
How does PJBank make money?
Two revenue lines are on record. Boleto Settlement Fee is the primary driver. The others are PIX and Credit Card Payments.
Who are PJBank's main competitors?
Broad incumbents on record are StoneCo (Stone), Cielo, Mercado Pago, PagBank / PagSeguro and Banco Inter. Direct peers are Vindi, Pagar.me and Zoop. EBANX is listed as a regional player. Superlógica (parent group) is listed as an others.
Does PJBank have an API?
Yes. PJBank offers a modern RESTful API enabling developers to integrate financial services (boleto issuance, Pix payments, card payments) directly into business systems and ERPs. The API is designed following Open Banking concepts, allowing automated financial operations. An API sandbox environment is available for testing. Documentation is provided via Postman. Developer documentation is at pjbank.com.br.
What industry is PJBank in?
PJBank's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 522320 and its SIC code is 6199.