Bemobi

What Bemobi does

Bemobi Mobile Tech S.A. is a Brazil-based, B3-listed (Novo Mercado, ticker BMOB3) SaaS payments platform that builds payment infrastructure for recurring-billing industries across Latin America. Its core offering is an AI-native, omnichannel payment platform orchestrated around five product layers — Smart Checkout (digital payments across web/mobile), In-Person Payments (Smart POS, Tap on Phone, Pin Pad, Totems), Conversational AI (WhatsApp-native billing and payment within chat), Intelligent Payment Orchestration (dynamic gateway, retry/recurrence engine, multi-rail routing including proprietary Pix initiation), and Payment Management (real-time reconciliation, ERP/CRM integration) — plus a White-label PaaS for Ecosystems and Marketplaces added in 2026 via the Paytime acquisition. The platform is delivered via SDKs for iOS, Android, Flutter, and React Native and processes R$14B+ in annual transaction volume across 1,600+ active enterprise clients, with 200M+ invoices paid in the last 12 months.

The company serves large enterprises in five verticals: Utilities (e.g., Sabesp, Grupo Equatorial), Telecommunications (TIM, Vero), Healthcare (Hapvida), Education (YDUQS, Grupo Salta), and B2B2B/Ecosystems. Customer outcomes cited include Grupo Salta's subscription success rate evolving from 67% to 99% on intelligent recurrence and instant service activation following real-time payment confirmation. The financial model is predominantly transaction-fee based on processed TPV, supplemented by licensing/white-label and recurring PaaS subscriptions (notably post-Paytime). Q4 2025 net revenues were BRL 192.2M with 20% YoY growth, and the company has reported 8 consecutive quarters of positive performance.

Go-to-market is enterprise direct sales with a consultative specialist-engagement motion ("Fale com especialista"), reinforced by white-label/embedded distribution and partner ecosystem channels. Scale signals include 1,500+ employees (up from 1,000+), GPTW certification since 2015, Top 3 in Tech on B3, 12 of 15 largest Brazilian essential-services companies as clients, and coverage of 85% of Brazil's population through client endpoints. The 2026 Mastercard Agent Pay partnership extends the platform into AI-agent-initiated commerce across Latin America and the Caribbean.

Name

Bemobi

Legal name

Bemobi Mobile Tech S.A.

Website

https://bemobi.com

Company type

Public

Founded year

2009

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bemobi (B3: BMOB3) is a Brazil-based, publicly listed SaaS payments platform serving Utilities, Telecom, Healthcare, Education, and B2B2B/ecosystem enterprises across Latin America with AI-native omnichannel payment orchestration, conversational WhatsApp billing, and white-label PaaS processing R$14B+ in annual transaction volume across 1,600+ clients.

Ownership category

akta.pro rank

Product category

Digital Payments Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)

akta.pro primary industry

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

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Biller Direct EBPP Platforms (FSAMAJAA)

Keywords

• Digital payment platform
• Payment orchestration
• Recurring billing solutions
• White-label payment infrastructure
• Conversational AI payments

Headquarters

HQ city

Rio

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing and Transaction Fees: Core revenue from processing payments across multiple channels and payment methods. The company reported Q4 2025 net revenues of BRL 192.2 million with 20% YoY growth, driven by the payment segment which surged 50% QoQ. Total Transaction Volume reached BRL 3 billion.
2. PaaS/White-label Licensing: White-label payment infrastructure licensing for ecosystems and marketplaces, providing complete payment orchestration, split payments, and reconciliation for franchise networks and B2B2B distributors.
3. Payment-as-a-Service: Acquired Paytime (51% controlling stake) to expand into payment-as-a-service for small and mid-sized businesses, positioning for growth in new verticals including ecosystems and productive chains.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Bemobi provides an AI-native, omnichannel payment platform that enables large essential-services companies in Latin America to accept, orchestrate, and reconcile digital and in-person payments across recurring billing verticals. Its modular solutions cover Smart Checkout, Smart POS, Tap on Phone, Conversational AI for WhatsApp, Intelligent Payment Orchestration, and Payment Management, delivered as SaaS or white-label PaaS. The platform currently serves 1,600+ active clients and processes over R$ 14 billion in annual transaction volume.

Product overview

Bemobi offers a modular SaaS payment platform designed for Latin America's recurring-billing sectors. The platform comprises five integrated product layers: Smart Checkout (omnichannel digital payments), In-Person Payments (Smart POS, Tap on Phone, Pin Pad, Totems), IA Conversacional (WhatsApp-based conversational payments), Orquestração Inteligente (AI-driven payment routing and orchestration), and Gestão de Pagamentos (reconciliation and managed services). A sixth layer—PaaS White-Label for Ecosystems and Marketplaces—was added in 2026 via the Paytime acquisition. All layers share a common AI-native intelligence backbone trained on R$ 14 billion+ in annual transaction volume and are delivered via SDKs for iOS, Android, Flutter, and React Native. The platform targets five industry verticals: Utilities, Telecom, Education, Health, and B2B2B/Ecosystems.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Checkout Omnichannel checkout platform that adapts the payment journey to each customer, converting across any channel with all payment methods integrated. Features white-label branding with proprietary domain, responsive design, and SDK compatibility for iOS, Android, Flutter, and React Native.
• Smart POS Intelligent point-of-sale terminal that transforms in-person service encounters into collections, accepting all payment methods with white-label branding and multi-operator technology for transactions even in low-connectivity areas.
• Tap on Phone Turns any Android smartphone into a card payment machine without additional hardware, enabling payments during field visits.
• IA Conversacional (Conversational AI) AI-powered platform that unites customer service, billing, and payment within WhatsApp conversations, guided by AI. Sends invoices and reminders, processes payments, and understands text, audio and image inputs without redirecting customers from the chat.
• Intelligent Payment Orchestration (Orquestração Inteligente) Intelligence layer that orchestrates routing, retries, and multi-rail fallback to increase approval rates and reduce fraud, including for AI agent payers. Includes dynamic gateway with access to multiple acquirers and proprietary sub-acquirer, retry and recurrence engine, and Pix orchestration (QR Code, Automatic Pix, biometric Pix).
• Payment Management (Gestão de Pagamentos) Managed services platform providing revenue predictability and governance through real-time reconciliation and automatic invoice processing, integrated with ERPs, CRMs, and billing systems.
• PaaS White-Label for Ecosystems and Marketplaces White-label payment infrastructure for ecosystem leaders and marketplaces, enabling physical and digital payments under their own brand. Includes digital accounts, automatic disbursements, split payments at origin, and multi-level account management for franchise networks and B2B2B distributors.

Quantifiable outcome

• Subscription success rate evolved from 67% to 99% in Grupo Salta case study
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• MastercardcoreTechnology or Integration · 1 January 2026Early partner in Mastercard's Agent Pay program launching across Latin America and the Caribbean in 2026. Agent Pay enables transactions via digital assistants and AI agents using secure Agentic Tokens, facilitating AI-enabled commerce for consumers and merchants.
• PaytimecoreStrategic or Co-development Partner · 1 January 2025Acquired 51% controlling stake in Paytime to expand into payment-as-a-service for small and mid-sized businesses. Positions company for growth in new verticals including ecosystems and productive chains. New business unit created in 2026.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Adyen: Global payment orchestration platform offering unified checkout, processing and acquiring across channels; competes with Bemobi as enterprise buyers in LatAm consider global vs. regional orchestration providers.
• Pismo (Mastercard): Brazilian-born payment orchestration and core banking platform now owned by Mastercard; directly comparable to Bemobi's orchestration stack and competes for the same LatAm bank/enterprise issuer-processing workloads.
• Stripe: Global payments and orchestration leader with growing LatAm presence; overlapping product surface (checkout, orchestration, Connect for marketplaces) makes it a primary competitive threat to Bemobi's white-label PaaS strategy.
• EBANX: LatAm-focused payment processor and orchestrator enabling global merchants to accept local payment methods including Pix; comparable to Bemobi's orchestration and Pix-initiation capabilities for cross-border and LatAm enterprise use cases.
• dLocal: Cross-border payments infrastructure for emerging markets with strong LatAm focus; comparable as a payments orchestration and processing layer for global enterprises serving LatAm merchants.

Broad incumbents

• PagBank (PagSeguro): Large Brazilian acquirer and digital bank with full-stack payments, accounts and credit; competes with Bemobi in SMB and enterprise payments across Brazil.
• StoneCo: Leading Brazilian acquirer and banking platform with SMB focus and expanding software/vertical offerings; competes with Bemobi for enterprise and SMB payment volume in Brazil.
• Cielo: Largest Brazilian acquirer offering processing, ecommerce and omnichannel solutions; an incumbent competitor in the same payment-acceptance verticals (retail, services) where Bemobi's enterprise clients operate.
• Mercado Pago: LatAm's largest consumer and merchant payments platform embedded in Mercado Libre's ecosystem; competes with Bemobi on Pix checkout, installments and SMB acquiring across the region.

Regional players

• Clip: Mexican SMB payments and POS provider with growing LatAm presence; overlaps with Bemobi's Tap-on-Phone, Smart POS and SMB strategy, though primarily serves Mexican merchants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bemobi
• Facebookfacebook.com/bemobioficial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 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 Bemobi