CredPay

What CredPay does

CredPay (legal entity CredPay Soluções em Pagamentos Ltda., CNPJ 27.659.570/0001-44) is a privately held Brazilian fintech established in 2020 and headquartered in São Caetano do Sul, São Paulo. The company operates a web-based payment platform that enables individual consumers to settle non-traditional debts — including vehicle licensing fees, condominium dues, rent, and university tuition — using credit card installments of up to 12 months, with a distinctive multi-card feature that allows up to four cards from different brands to be applied to a single debt settlement. The technology stack is a 100% digital self-service platform accessible 24/7/365, with a debt consultation module that retrieves vehicle records by license plate, UF, CPF/CNPJ, and Renavam.

CredPay also runs a B2B merchant acquiring segment providing a payment gateway (Gateway de Pagamentos), mobile payment solutions, and physical terminals including POS, multifunctional SmartPOS devices, and self-service Totem payment kiosks. Revenue is generated primarily through a 2–3% monthly administration fee on the value of each debt repayment transaction processed online, with an additional flat R$25 fee for physical card processing via motoboy delivery. The B2B segment monetizes through payment gateway and terminal deployment to merchants. Customer acquisition is digital-first via website (credpay.com.br) and Facebook for the consumer side, with enterprise sales via a separate business portal (empresa.credpay.com.br) for merchant solutions. The company complies with Brazil's LGPD data protection regime and lists no disclosed investors, funding rounds, or M&A activity.

Name

CredPay

Legal name

CredPay Soluções em Pagamentos Ltda.

Website

https://credpay.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

CredPay is a Brazilian fintech that lets individual consumers pay non-traditional debts — vehicle fees, condominium dues, rent, and tuition — via credit card installments, using up to four cards per transaction, while also providing payment gateway and POS terminals to merchants.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Credit Intermediation and Related Activities (522), Nondepository Credit Intermediation (5222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Credit Card Debt Consolidation Loans (FSAKAIAC)

akta.pro secondary industry

Recurring Billing & AutoPay Management (FSAMAJAE)

Keywords

• Payment processing services
• Debt repayment solutions
• Credit card installments
• Payment gateway solutions
• POS terminal solutions

Headquarters

HQ city

São Caetano Do Sul

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction Processing Fees: CredPay charges a monthly administration fee ranging from 2% to 3% on the total debt repayment amount processed through its online platform. This is the primary revenue stream from individual consumers using the service to pay debts via credit card installments.
2. Physical Card Processing Fee: For customers preferring physical card processing via delivery service (motoboy), an additional flat fee of R$25.00 is charged for the delivery service, in addition to the standard 2-3% monthly transaction fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

CredPay provides a digital platform enabling Brazilian consumers to pay and installment various debts (vehicle licensing, condominium fees, rent, university fees, and other obligations) using their own credit cards, supporting up to four cards with different brands in a single transaction and installment terms of up to 12 months. For business clients, the company offers merchant payment infrastructure including a payment gateway, POS and SmartPOS terminals, mobile payment solutions, and self-service payment kiosks.

Product overview

CredPay is a payment solutions platform operating as a dual-market provider offering both B2C debt payment/settlement services and B2B merchant payment solutions. The consumer offering centers on the core CredPay Débits Payment Service, which allows users to installment and settle various debts (vehicle licensing, condo fees, rent, utilities) using their own credit cards with multi-cartão capability supporting up to four different card brands in up to 12 installments. The merchant/business segment is anchored by the Gateway de Pagamentos CredPay, complemented by Mobile CredPay, POS CredPay, SmartPOS CredPay, and Totem de Pagamento CredPay devices—forming an integrated ecosystem enabling businesses to accept, process, and manage payments across physical and digital channels. QR code payment functionality is also available across both segments.

Differentiator

Problem solved

Functional benefit

Products and services

• CredPay Débitos Payment Service Consumer-facing digital service that allows Brazilian individuals to pay and installment various debts (vehicle licensing, condominium fees, rent, university tuition, and other obligations) using their own credit cards, with installment terms of up to 12 months. Supports up to four different card brands per single transaction and operates 24/7 through the website.
• Gateway de Pagamentos CredPay Payment gateway solution for businesses providing security, transparency, and convenience for online transactions, enabling multiple payment options to increase sales conversion on merchant websites and mobile applications.
• POS CredPay Mobile point-of-sale card payment capture device integrating a credit card reader with a built-in printer for paper receipts, designed for in-person transactions by merchants.
• SmartPOS CredPay Multifunctional payment terminal with modern design that processes payments and receipts, featuring encrypted transactions for secure in-person sales processing by merchants.
• Totem de Pagamento CredPay Self-service payment kiosks designed for versatile, secure, and efficient customer service across various business types, enabling unattended payment acceptance.
• Mobile CredPay Mobile payment solution enabling customers to settle debts and installment purchases in up to 12 payments, with the ability to use multiple credit cards, designed for use on the go by merchants.

Quantifiable outcome

• Installment payments up to 12 months on credit cards
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Nubank: Brazilian neobank with a massive credit card base and consumer installment offerings; competes broadly in the Brazilian consumer credit and payments space where CredPay operates.
• Cielo: Brazil's largest card acquirer offering POS, payment gateway, and merchant services; competes with CredPay's B2B payment infrastructure line.
• Mercado Pago: Brazilian fintech offering credit, installments, and bill payment via the Mercado Livre ecosystem; competes both as a consumer credit/installment provider and as a merchant acquiring platform.
• C6 Bank: Brazilian digital bank issuing credit cards with installment capabilities across consumer use cases; competes with CredPay for the same Brazilian consumers seeking flexible installment payments.
• Rede (Itaú): Brazilian payment acquirer owned by Itaú Unibanco offering POS terminals, payment gateways, and merchant services — a direct competitor to CredPay's B2B product suite with the added backing of Brazil's largest bank.
• Stone Co. Major Brazilian payment acquirer providing POS terminals, payment gateway, and merchant acquiring services — directly comparable to CredPay's B2B merchant solutions portfolio.
• Banco Inter: Brazilian digital bank with credit card, installment, and bill-payment products that overlap with CredPay's value proposition of putting non-traditional bills onto credit card rails.
• GetNet (Santander): Brazilian payment acquirer providing POS terminals and payment gateway solutions to merchants, overlapping with CredPay's enterprise payment infrastructure offerings.

Direct peers

• RecargaPay: Brazilian fintech offering credit-card-based payment and installment solutions directly to consumers, overlapping with CredPay's B2C bill-payment-via-credit-card use case and Brazilian market focus.
• PagBank (PagSeguro): Brazilian payment acquirer offering payment gateway, POS terminals, and merchant credit-card processing — directly competing with CredPay's B2B payment infrastructure products (Gateway, POS, SmartPOS).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookpt-br.facebook.com/credpay
• Xx.com/credpaybr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 CredPay