Accesstage
Accesstage is a Brazilian fintech that connects enterprises to 115+ banks and 80+ card acquirers via its Veragi platform, automating payments, reconciliation, treasury and credit (Risco Sacado), and serving insurance, utilities, retail and industrial clients.
- Company typePrivate
- Founded2000
- HeadquartersSão Paulo, Brazil
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Accesstage does
Accesstage is a privately held Brazilian financial technology company founded in 2000 (firmographics cite 2002) by Celso Sato and Fernando Takano, headquartered in São Paulo. It operates an EDI- and API-based integration platform that connects mid-market and enterprise clients to 115+ banks and 80+ card acquirers, normalizing payment, collection and reconciliation flows across formats including CNAB, Swift, CSV, XML and Layout 240/400/700. Its flagship product is the Veragi financial management suite, which covers Accounts Payable, Accounts Receivable, Treasury, a Digital Business Account, the Risco Sacado credit platform, and card reconciliation. The company is licensed by Banco Central as an ITP (Payment Transaction Initiator) and was among the first 12 approved to operate Pix Automático.
The business model combines transaction-level fees (TED at R$2.99, boleto issuance at R$1.99), subscription/platform fees for the Veragi suite, professional services and BPO, and credit facilitation revenue from a network of 115+ financial institutions offering rates from 1.23%. Distribution is direct via enterprise field sales, inside sales for the R$500M-revenue middle-market segment, and consultancy-led project teams. Customers span insurance (claimed 92% of the Brazilian insurance market), utilities, retail, construction, services and education, with named references including Energisa, Sompo, 3M and Plastpel. The group includes two wholly-owned subsidiaries: Kaspper (software development factory, acquired 2018) and Negocie Online (AI-enabled credit recovery, acquired 2018).
Accesstage claims to process more than R$1 trillion annually across its platform, R$5 billion in Pix in 2023, R$6 billion in Risco Sacado and over 8.5 million Pix energy-bill payments by end consumers. The company employs approximately 250 people, holds SOC 2 and PCI DSS certifications, and operates without disclosed external funding, with co-founders Sato (CEO) and Takano (CFO) retaining ownership.
Accesstage firmographics
Firmographics- Name
- Accesstage
- Legal name
- Accesstage Conectividade Financeira
- Website
- https://site.accesstage.com.br
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Accesstage is a Brazilian fintech that connects enterprises to 115+ banks and 80+ card acquirers via its Veragi platform, automating payments, reconciliation, treasury and credit (Risco Sacado), and serving insurance, utilities, retail and industrial clients.
- Ownership category
- akta.pro rank
Accesstage industry classification
Industry- Product category
- Financial Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
- akta.pro secondary industries
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Billing, Payments & Premium Finance Platforms (FSAGAGAI), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where Accesstage is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Accesstage business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D
Revenue model
- Transaction Processing Fees: Revenue from processing payments and financial transactions across its platform. The company processes over R$1 trillion annually in payment transactions on its platform, charging transaction fees for payment automation, Pix transfers, TED/DOC, boleto generation, and card processing.
- Professional Services and Consulting: Customized project consulting services for financial technology implementation, integration projects, and BPO services. The company offers end-to-end consultancy from idea conception through delivery with specialized senior teams.
- Subscription/Platform Fees: Platform-as-a-service model for financial management solutions integrated to ERP systems. Services include accounts payable, accounts receivable, treasury management, and credit access through the Veragi platform.
- Credit Facilitation Fees: Facilitates credit access through Risco Sacado and receivables anticipation, partnering with 115+ financial institutions. Earns fees on credit operations facilitated through the Veragi platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Digital Account - No monthly fee |
| Unit Pricing | Pay-as-you-go | TED transfers at R$2.99 per transaction |
| Unit Pricing | Pay-as-you-go | Boleto issuance at R$1.99 per boleto |
| Usage-based | Pay-as-you-go | Credit rates from 1.23% |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Accesstage product offering
Product offeringCore offering
Accesstage provides a unified financial management and payment automation platform (Veragi) that connects enterprises to 115+ banks and 80+ card acquirers via EDI and APIs. Its portfolio spans automated payments (Pix, TED, DOC, boleto, cards), accounts payable and receivable management, treasury, AI-driven financial reconciliation, card reconciliation, credit operations (Risco Sacado, receivables anticipation), and customized financial technology consulting and BPO services. The platform is licensed by Banco Central as a Payment Transaction Initiator (ITP) and is among the first approved for Pix Automático in Brazil.
Product overview
Accesstage is a Brazilian fintech offering a unified financial management platform called Veragi with integrated modules for Accounts Payable, Accounts Receivable, Treasury, and Digital Business Account. The portfolio includes specialized solutions for payment automation (Pagamentos), financial reconciliation (Conciliação Financeira), credit operations (Risco Sacado, Antecipação de Recebíveis, Risco Cedente), card transaction management with payment gateway, and EDI/API integration services. The company also offers custom consulting projects including AI-powered automation and BPO services. With over 25 years of experience, Accesstage connects to 115+ banks and 80+ card acquirers, processing over R$1 trillion annually.
Differentiator
Problem solved
Functional benefit
Brands
- Veragi: Financial management platform offering accounts payable, accounts receivable, treasury management, and credit access through Risco Sacado.
- Veragi Platform
Products and services
- Veragi Platform Comprehensive financial management platform offering 360° vision of accounts payable, accounts receivable, treasury, and credit with multi-bank connectivity, digital account services, and access to credit through Risco Sacado. Targeted at enterprises and mid-market companies seeking unified financial control.
- Pagamentos (Payments) Automated payment processing service covering payroll, Pix, taxes, TED/DOC transfers, hybrid boleto, and card payments, claiming 70% reduction in payment authorization time across all banks from a single location. For enterprises needing high-volume, multi-bank payment orchestration.
- Conciliação Financeira (Financial Reconciliation) AI-powered reconciliation service that automates matching of bank statements with operations, reducing manual processing time, identifying discrepancies, and freeing up to 3 hours daily for finance teams with up to 5% financial gains through loss reduction. For finance teams across industries.
- Cartões (Cards) Card sales consolidation and reconciliation solution for credit, debit, and voucher transactions with automatic rate validation and acquirer comparison, plus a PCI-compliant payment gateway for secure online purchases. For retailers and any company processing card payments.
- Crédito (Credit Operations) Credit platform enabling working capital access through Risco Sacado (rates up to 70% lower than traditional operations), Risco Cedente (supplier credit modality), and Antecipação de Recebíveis (receivables anticipation starting from 1.23%) via 115+ financial institution partners. For SMEs, large companies, anchor companies, and suppliers.
- Integração EDI/API
Quantifiable outcome
- 70% reduction in interest rates for receivables anticipation through Risco Sacado
- +4 more outcomes
Companies that use Accesstage
Customer profileNamed customers4 records
Segments7 records
Ideal customer profiles3 records
Accesstage technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature6 records
Accesstage partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Banco CarrefourcoreStrategic partnership to offer receivables anticipation and financial solutions to SMEs and large companies operating in the Carrefour ecosystem. The partnership enables credit access and financial services for merchants selling on Carrefour's marketplace and buying from the Carrefour Brasil ecosystem.
- Banco Central do BrasilcoreAmong the first 12 companies in Brazil to receive approval to operate with Pix Automático in Phase 1 of the product launch. Licensed as ITP (Iniciador de Transação de Pagamento) as part of Open Finance Phase 3 implementation.
- Open Finance BrasilcoreMember of Open Finance Brasil Governance Structure, participating in two Working Groups: GT de Engajamento Pessoa Jurídica and GT de Serviços. Contributes to development of corporate accounts and financial services within Brazil's Open Finance framework.
- 115+ BankscorePartnership with 115+ banks (with relationships exceeding 10 years) enabling automated bank connectivity, payment processing, and financial integration for clients. Banks are integrated via EDI and API connections supporting multiple formats.
- 80+ Card AcquirerscoreIntegration with 80+ card acquirers enabling card reconciliation, payment processing, and multi-acquirer consolidation for retail clients.
- 115+ Financial Institutions (Credit Partners)coreNetwork of 115+ financial institutions providing credit through the Veragi platform for Risco Sacado and receivables anticipation operations. Enables competitive rates starting from 1.23% for credit access.
- KasppercoreSubsidiary company acting as software development factory across all development fronts. Functions as a business partner for digital transformation, not just a supplier.
- Negocie OnlineminorSubsidiary with expertise in digital self-service and AI for credit recovery. Innovated the collection process for high-volume companies through automated billing cycle.
- Ser Mais DigitalminorConsulting partnership supporting HR and Governance transformation, helping unite culture, agility, and performance for accelerated results.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
Accesstage competitors and assessment
Company assessmentDirect peers
- Consinco: Brazilian vertical-ERP and financial management software provider focused on retail, fuel distribution, and food service. Comparable as a software-led financial management and payment-integration vendor serving similar Brazilian enterprise customers.
- Sinqia: Brazilian fintech infrastructure provider offering software for financial institutions, including open banking, payments, and banking integration solutions. Highly comparable as both companies serve Brazilian financial-services enterprises with integration, payments, and Open Finance technology. Bruno Salles, Accesstage's CPTO, previously worked at Sinqia, further evidencing overlap in technology stack and customer base.
- Senior Sistemas: Brazilian enterprise software company providing ERP, financial management, and HR solutions to mid-market and large companies. Comparable for the same buyer segment and overlapping financial-management functionality, particularly in payments and bank reconciliation modules.
- Conductor (Ânima / Nelogica): Brazilian fintech offering payment processing, banking integration, and card management solutions for retailers and financial institutions. Comparable as a Brazilian payment-automation and bank-integration vendor targeting similar enterprise customers with overlapping modules in reconciliation and multi-bank management.
Broad incumbents
- TOTVS: Brazil's largest enterprise software company, providing ERPs and adjacent financial management solutions to mid-market and enterprise customers. Comparable because TOTVS targets the same mid-market and enterprise finance buyer that Accesstage serves through Veragi, with overlapping modules in accounts payable/receivable and bank integration.
- SAP Brasil (S/4HANA Financials): Global ERP and finance software leader with deep Brazilian enterprise penetration. Comparable as an alternative platform for accounts payable, accounts receivable, treasury, and bank connectivity, often competing or complementing Accesstage's Veragi in large enterprises.
Emerging players
- Pomelo: Latin American fintech infrastructure company providing card issuing, banking-as-a-service, and processing APIs. Comparable as a regional fintech infrastructure peer with overlapping Open Finance and payment processing themes, though geographically broader.
- Zoop: Brazilian payment platform offering acquiring, issuing, and open finance solutions to fintechs and retailers. Comparable as a payments and Open Finance infrastructure provider serving similar Brazilian enterprise and digital commerce customers.
- Dock: Brazilian payments technology company offering issuing, acquiring, and processing solutions for banks and fintechs. Comparable as a payments infrastructure peer with bank and acquirer relationships, though focused on card issuing/processing rather than ERP-adjacent payment automation.
- QI Tech: Brazilian embedded finance and banking-as-a-service infrastructure provider offering APIs for payments, credit, and Open Finance. Comparable as a fellow Brazilian fintech infrastructure player with API-first architecture, though more focused on banking-as-a-service than Accesstage's ERP-adjacent platform.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Accesstage social profiles
Digital presenceAccesstage compliance and trust
Trust signalCompliance3 records
Accesstage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accesstage leadership team
Management profileNumber of profiles
Profiles9 records
Accesstage subsidiaries and ownership
Company hierarchySubsidiaries2 records
Accesstage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accesstage 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 Accesstage
What does Accesstage do?
Accesstage provides a unified financial management and payment automation platform (Veragi) that connects enterprises to 115+ banks and 80+ card acquirers via EDI and APIs. Its portfolio spans automated payments (Pix, TED, DOC, boleto, cards), accounts payable and receivable management, treasury, AI-driven financial reconciliation, card reconciliation, credit operations (Risco Sacado, receivables anticipation), and customized financial technology consulting and BPO services. The platform is licensed by Banco Central as a Payment Transaction Initiator (ITP) and is among the first approved for Pix Automático in Brazil.
Is Accesstage a public or private company?
Accesstage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Accesstage founded?
Accesstage was founded in 2000. It employs 251 to 500 people.
Where is Accesstage based?
Accesstage is headquartered in São Paulo, Brazil, in the Latin America region.
How does Accesstage make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are professional Services and Consulting, subscription/Platform Fees and credit Facilitation Fees.
Who are Accesstage's main competitors?
Direct peers on record are Consinco, Sinqia, Senior Sistemas and Conductor (Ânima / Nelogica). Broad incumbents are TOTVS and SAP Brasil (S/4HANA Financials). Emerging players are Pomelo, Zoop, Dock and QI Tech.
Does Accesstage have an API?
Yes. Accesstage offers integration via EDI (Electronic Data Interchange) and API, enabling automated exchange of payment, collection, and card files. Supports multiple file formats including CSV, XML, CNAB, Swift, Layout 240, 400, and 700 positions for ERP integration and bank communication.
What industry is Accesstage in?
Accesstage's product category is Financial Management Software. Its primary akta.pro industry code is FSAMAFAB, A2A Payment Initiation Service Providers (PISPs), with a secondary code of FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 522320 and its SIC code is 7370.