What Nexxera does

Nexxera is a Brazilian B2B financial technology company founded in 1992 in Florianópolis that operates the country's largest payments, collections, supply chain, and credit ecosystem, serving over 1.2 million companies including 8 of the 10 largest corporations in Brazil. The platform connects hundreds of financial institutions, acquirers, registradoras (authorized invoice registrars), ERPs, and businesses through VAN (Value Added Network), EDI, and API integrations, providing multi-bank, multi-account financial management infrastructure. The company operates under the Grupo Nexxees umbrella and is founder-controlled, with Edson Silva as Founder and President.

The core technology stack is anchored by the Ecossistema Nexxera platform, which combines payment initiation (Pix, TED, boleto, bolepix, card, recurring, split payments), supply chain automation (orders, invoices, delivery scheduling via Tempo Certo), multi-acquirer reconciliation, and credit services. The most recent technical addition is XCoreID, launched August 2025, an AI-driven credit analysis product that uses machine learning and predictive modeling to cross-reference transactional data with supply chain relationship data for real-time credit scoring. Compliance certifications include SOC 2 Type 2 and PCI DSS (2025), and the company maintains a duplicatas escriturais platform aligned with Central Bank regulations under Lei 13.775/2018.

Nexxera generates revenue through transaction-based fees on payment processing, credit and receivables services (anticipation, credit scoring, term extension), embedded finance / whitelabel licensing via Nexx Finance for ERPs and fintechs, and a three-tier partner program (Finder, Closer, Reseller). Go-to-market combines direct enterprise field sales targeting large corporations with a broad partner ecosystem encompassing ERPs, fintechs, financial institutions, consultancies, and integrators. Customer segments span large enterprises, mid-market companies, small and micro businesses, plus the partner-distributed end-customer base served through whitelabel deployments.

Name

Nexxera

Legal name

Nexxera

Website

https://nexxera.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Nexxera is a Brazilian B2B fintech operating the country's largest payments, collections, supply chain, and credit ecosystem, connecting over 1.2 million companies with 100+ financial institutions through VAN, EDI, and API integrations, and serving 8 of Brazil's 10 largest corporations.

Ownership category

akta.pro rank

Product category

B2B Financial Technology Platform

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

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

Keywords

• B2B payment processing
• Supply chain finance
• Embedded finance platform
• Multi-bank financial ecosystem
• Credit scoring services

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based revenue from payment initiation and processing services including Pix, TED, boleto, duplicate invoices, card payments, recurring payments, and split payments through their multi-bank platform.
2. Credit and Receivables Services: Revenue from credit services including receivables anticipation (antecipação de recebíveis), credit scoring (XCoreID), term extension (alongamento de prazos), and risk management. Banks and financial institutions pay for access to credit analysis and marketplace.
3. Channel Partnership Revenue: Partner program revenue through Finder (recurring commissions on referred clients), Closer (higher recurring revenue on closed deals), and Reseller models (margin on resold solutions). ERPs and fintechs integrate whitelabel solutions.
4. Embedded Finance / Whitelabel: Revenue from embedding Nexxera's financial infrastructure into ERP platforms and fintech applications, offering multi-bank, multi-account services under the partner's brand.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Nexxera operates a multi-bank, multi-acquirer financial ecosystem platform that connects companies, financial institutions, ERPs, acquirers, and registradoras through VAN, EDI, and API integrations. The platform delivers accounts payable and receivable management, supply chain automation, multi-acquirer card reconciliation, receivables anticipation, delivery scheduling, and AI-powered credit scoring (XCoreID). It serves over 1.2 million companies in Brazil with embedded finance (whitelabel) capabilities for fintechs and ERPs.

Product overview

Nexxera operates as a unified platform ecosystem of B2B financial and supply chain solutions, combining payments, collections, supply chain management, and credit into an integrated architecture. The core Ecossistema Nexxera platform is supported by distinct product lines: Conexões Garantidas (VAN/infrastructure connectivity), Embedded Finance/Nexx Finance (white-label financial services for ERPs and fintechs), and the SaaS modules for accounts payable/receivable, multi-acquirer reconciliation, supply chain management, delivery scheduling, supplier/consumer portals, receivables anticipation, credit scoring (including XCoreID AI), and escriturais duplicate registration. All solutions connect through EDI and API to financial institutions, acquirers, registradoras, and ERPs, serving over 1.2 million companies across Brazil.

Differentiator

Problem solved

Functional benefit

Brands

• XCoreID: AI-powered credit analysis product that uses machine learning to optimize credit scoring by crossing transactional data and supply chain information in real-time, creating precise and updated scores.
• Nexx Finance
• Instituto Nexxera

Products and services

• Ecossistema Nexxera Unified B2B financial and supply chain platform connecting payments, collections, supply chain management, and credit into an integrated ecosystem for companies of all sizes in Brazil.
• Conexões Garantidas Secure, real-time connectivity layer ensuring reliable integrations between companies, banks, acquirers, registradoras, ERPs, clients, and suppliers across the entire business relationship chain.
• Embedded Finance (Nexx Finance) White-label embedded finance platform enabling ERPs and fintechs to offer multi-bank, multi-account financial services including payments, credit, and cash management directly within their own platforms.
• Contas a Pagar e Receber Accounts payable and receivable management module supporting Pix, TED, boleto, bolepix, duplicate invoices, card payments, recurring charges, and split payments, integrated with all financial institutions via EDI and API.
• Supply Chain Management Platform automating order processing and fiscal invoice management between buyers and suppliers, including purchase order tracking, invoice submission, acceptance workflows, and financial reconciliation.
• Tempo Certo (Delivery Scheduling) Delivery scheduling module that organizes pickup and delivery logistics to eliminate warehouse idle time, prevent stock ruptures, and optimize yard management through automated scheduling and documentation.
• Portal de Fornecedores e Clientes Centralized portal providing real-time visibility into the full value chain, enabling suppliers and customers to manage contracts, orders, invoices, financial queries, and delivery scheduling in a single interface.
• Antecipação de Recebíveis Receivables anticipation solution allowing companies to convert future receivables (from all customers, including those outside the Nexxera ecosystem) into immediate capital with competitive rates and AI-driven risk assessment.
• Conciliador de Vendas Multi-acquirer sales reconciliation platform providing a unified view of credit, debit, benefit, and Pix transactions from all acquirers, with automated reconciliation and anticipatable receivables.
• Duplicatas Escriturais Electronic escriturais duplicate registration platform enabling companies and ERPs to comply with Banco Central regulations (Lei 13.775/2018) at no cost, providing pre-registration and integration with authorized registradoras.
• XCoreID AI-powered credit analysis product using machine learning, statistical analysis, and predictive modeling to generate precise, real-time credit scores by integrating transactional, financial, and behavioral data from companies and their supply chain ecosystems.
• Programa de Parcerias Nexxera Partner program offering three models — Finder (referral), Closer (full sales cycle), and Reseller — targeting ERPs, fintechs, financial institutions, consultancies, and integrators, with above-market commissions and specialized training.

Quantifiable outcome

• 50% reduction in truck loading/unloading time for Grupo Koch after implementing delivery scheduling module
• +3 more outcomes

Named customers11 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Grupo SkillcoreStrategic or Co-development PartnerGrupo Skill partnered with Nexxera to expand their vision and explore new possibilities. The partnership has achieved efficiency and integration, emphasizing the importance of connections that add real value to their business. Nexxera's solid market presence has contributed to the partnership's success.
• Registradoras (Registrar Institutions)coreTechnology or IntegrationNexxera partners with registradoras (authorized registrars) to offer free pre-registration of invoices in compliance with Central Bank regulations for duplicatas escriturais. This partnership enables companies to adapt to regulatory requirements without friction.
• FIDCs and Investment FundscoreStrategic or Co-development PartnerNexxera provides infrastructure for FIDICs (Receivable Investment Funds) and investment funds to access receivables data for credit operations with greater liquidity, reliability, and security.
• Financial Institutions and AcquirerscoreTechnology or IntegrationNexxera connects to hundreds of financial institutions and acquirers through VAN, EDI, and API integrations, enabling multi-bank, multi-acquirer financial management for clients.
• ERP SystemscoreTechnology or IntegrationNexxera integrates with ERP systems for whitelabel embedded finance solutions, allowing ERPs to offer financial services to their customers through the Nexxera platform.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• TOTVS: TOTVS is the largest ERP provider in Brazil and has expanded aggressively into B2B financial services, embedded payments, and credit (TOTVS Techfin). It is directly comparable to Nexxera because both sit at the intersection of ERP-embedded financial infrastructure, serving Brazilian businesses with payments, credit, and supply chain solutions.
• Sinqia: Sinqia provides fintech infrastructure for Brazilian banks, fintechs, and corporates, including payment processing, digital banking, and software platforms. It is comparable to Nexxera as a fintech infrastructure provider enabling multi-bank connectivity and embedded financial services in the Brazilian market.
• Linx (Stone): Linx, acquired by Stone, combines ERP and payment processing for Brazilian retailers, including multi-acquirer reconciliation and embedded finance. It overlaps with Nexxera's ERP-integrated, multi-bank, multi-acquirer platform positioning for retail and supply chain finance.
• Pismo: Pismo provides cloud-based payment processing and banking core infrastructure used by fintechs and banks across Latin America. It is comparable to Nexxera as a payments orchestration and core banking platform serving financial institutions and embedded finance use cases.
• Zoop: Zoop is a Brazilian fintech-as-a-service platform offering payment orchestration, issuing, and banking-as-a-service for marketplaces and platforms. It directly compares to Nexxera's embedded finance offering for ERPs and fintechs requiring multi-bank rails.

Broad incumbents

• Stone Co. Stone is a major Brazilian payments and banking platform serving SMBs and enterprises with acquiring, banking, and software. It is broadly comparable to Nexxera as a high-scale Brazilian financial ecosystem player, though Stone's distribution and capital base are substantially larger.
• PagSeguro/PagBank: PagBank is a Brazilian digital bank and payment processor offering acquiring, accounts, and credit to merchants. It overlaps with Nexxera's payments and receivables focus, though PagBank serves primarily SMBs and lacks Nexxera's enterprise and supply chain depth.
• Banco Inter: Banco Inter is a Brazilian digital bank offering accounts, payments, credit, and embedded finance APIs for businesses. It is comparable to Nexxera as a Brazilian full-stack financial platform pursuing corporate clients and embedded finance partnerships.

Others

• CI&T: CI&T is a Brazilian technology and digital transformation services firm serving large enterprises. It is an adjacent peer to Nexxera given its Brazilian enterprise customer base and role in financial services digitalization, though it competes as a systems integrator rather than a platform.

Emerging players

• Cora: Cora is a Brazilian digital business banking platform for SMBs offering accounts, payments, and receivables management. It is comparable to Nexxera's SMB-facing payments and receivables offerings, though Cora focuses on a smaller customer segment without the supply chain and credit depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nexxerabr
• Facebookfacebook.com/NexxeraBr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Nexxera