CardPay
CardPay is a São Paulo-based Brazilian payment institution and subsidiary of the Cardway group, offering POS card terminals, a unified payments API (Cardhub), mobile recharge (Cardmais), digital signage (Cardmídia), and marketplace integration (Loja do Cardoso) to Brazilian merchants and integrators.
- Company typePrivate
- Founded2020
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
What CardPay does
CardPay is a Brazilian payment institution (Instituição de pagamento) headquartered in São Paulo, operating as the official payment arm of the Cardway group, a diversified Brazilian fintech conglomerate. The company is positioned as the licensed entity through which Cardway's payment-related products and services are offered, while Cardway itself retains the broader brand and product ecosystem. CardPay was founded in 2020 and reports a 1-10 employee headcount.
The product portfolio CardPay operates or fronts comprises five interconnected offerings: Card, point-of-sale card terminals (maquininhas) for in-person card acceptance; Cardhub, a unified API consolidating Cardway's payment and adjacent services; Cardmais, a mobile application that converts smartphones into recharge terminals; Cardmídia, digital advertising screens at merchant points of sale; and Loja do Cardoso, a marketplace integration service for major Brazilian e-commerce platforms. Distribution runs through direct field sales (Card, Cardmídia, Cardhub enterprise sales), self-serve/PLG onboarding (Cardmais), and marketplace channels (Loja do Cardoso), all serving the Brazilian domestic market.
The business model, pricing structure, customer logos, revenue mechanics, and management team are not publicly disclosed, and CardPay's own website indicates that substantive details will be made available soon. CardPay therefore presents as a thin licensed-institution wrapper around the Cardway product portfolio rather than a standalone operating business, with most of the underlying commercial substance residing in the parent group.
CardPay firmographics
Firmographics- Name
- CardPay
- Website
- https://cardpay.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CardPay is a São Paulo-based Brazilian payment institution and subsidiary of the Cardway group, offering POS card terminals, a unified payments API (Cardhub), mobile recharge (Cardmais), digital signage (Cardmídia), and marketplace integration (Loja do Cardoso) to Brazilian merchants and integrators.
- Ownership category
- akta.pro rank
CardPay industry classification
Industry- Product category
- Payment Processing
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)
- akta.pro secondary industries
- Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Card Issuing & Program Management Platforms (BPAMAFAH), Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE)
Keywords
Where CardPay is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
CardPay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain
Distribution channels5 records
Marketing channels2 records
CardPay product offering
Product offeringCore offering
CardPay is the official payment institution of the Cardway group, delivering payment account management services to commercial establishments. Its portfolio includes the "Card" point-of-sale card terminal (maquininha), the "Cardhub" unified API platform, the "Cardmais" mobile app that turns smartphones into POS terminals, "Cardmídia" digital advertising screens at points of sale, and "Loja do Cardoso" marketplace integration services.
Product overview
CardPay is the official payment institution of the Cardway group, operating as a multi-product payment platform portfolio. The offering consists of five interconnected products: Card (point-of-sale card terminals for in-person payments), Cardhub (a unified API enabling integration with all Cardway services), Cardmais (a mobile application converting smartphones into recharge POS terminals), Cardmídia (digital advertising screens for point-of-sale visibility), and Loja do Cardoso (a marketplace integration tool for selling on major Brazilian e-commerce platforms). The portfolio provides a comprehensive suite covering physical payments, mobile recharge, API-driven services, digital advertising, and e-commerce marketplace distribution.
Differentiator
Problem solved
Functional benefit
Brands
- Cardway Group: Parent conglomerate offering payment solutions including Card machines, Cardhub API, Cardmais, Cardmídia, and Loja do Cardoso
Products and services
- Card (maquininha) Physical point-of-sale card terminal (maquininha) that allows commercial establishments to accept card payments at the point of sale.
- Cardhub Unified payments API platform that integrates multiple payment methods and channels into a single programmatic interface for merchants and platforms.
- Cardmais Mobile application that turns a smartphone into a point-of-sale terminal, enabling merchants to accept card payments without dedicated hardware.
- Cardmídia Digital advertising screens installed at points of sale that display advertising content, enabling merchants to generate incremental media revenue at checkout.
- Loja do Cardoso Marketplace integration service that connects merchants to online marketplace platforms, allowing CardPay clients to expand their sales channels beyond physical points of sale.
Companies that use CardPay
Customer profileSegments3 records
Ideal customer profiles2 records
CardPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
CardPay partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Cardway GroupcoreCardPay operates as the official payment institution of the Cardway group. CardPay is positioned as the payment institution (Instituição de pagamento) under the Cardway umbrella, with Cardway providing the broader product ecosystem including Card terminals, Cardhub API, Cardmais, Cardmídia, and Loja do Cardoso marketplace services.
Recent moves5 records
Expansion highlights4 records
CardPay competitors and assessment
Company assessmentBroad incumbents
- Cielo: Largest traditional card acquirer in Brazil offering POS terminals, e-commerce acquiring, and a broad portfolio of merchant services — competes head-on with CardPay's card-present acquiring (Card maquininha).
- Rede (Itaú): Major Brazilian card acquirer owned by Itaú Unibanco, providing POS acquiring, e-commerce solutions, and integrated APIs — directly competitive with CardPay's POS and Cardhub API offerings.
Direct peers
- Mercado Pago: Fintech arm of Mercado Livre offering POS terminals, QR payments, online checkout, and merchant credit in Brazil — competing with CardPay across POS, marketplace payments (Loja do Cardoso), and digital acquiring.
- SafraPay: Brazilian acquirer offering POS terminals, e-commerce solutions, and API integrations under the Safra banking group — directly comparable to CardPay's Card terminals and Cardhub API strategy.
- Stone Co. One of Brazil's largest card acquirers offering POS terminals (maquininhas), digital banking, and integrated commerce solutions to SMB merchants — directly comparable to CardPay's Card terminal product and overall merchant acquiring focus.
- GetNet (Santander): Brazilian payment acquirer providing POS terminals, e-commerce processing, and API integrations — a comparable direct peer across CardPay's terminal and Cardhub product lines.
- PagSeguro (PagBank): Brazilian payment acquirer and digital bank providing POS terminals, online payment processing, and API-based payment solutions — overlapping with CardPay's Card terminals, Cardhub API, and merchant acquiring model.
Emerging players
- InfinitePay: Brazilian digital-first acquirer offering mobile POS, online checkout, and integrated merchant account services — competes with CardPay's Cardmais mobile-POS and Card terminal propositions.
- Ton (Stone): Stone's neobanking and POS brand targeting small merchants in Brazil with terminals and digital account services — closely comparable to CardPay's SMB merchant acquiring proposition.
Regional players
- SumUp: Global mobile POS and card reader provider operating in Brazil with SMB-focused acquiring — comparable to CardPay's card-present acquiring focus, though headquartered outside Brazil.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
CardPay social profiles
Digital presenceCardPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
CardPay leadership team
Management profileNumber of profiles
CardPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CardPay 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 CardPay
What does CardPay do?
CardPay is the official payment institution of the Cardway group, delivering payment account management services to commercial establishments. Its portfolio includes the "Card" point-of-sale card terminal (maquininha), the "Cardhub" unified API platform, the "Cardmais" mobile app that turns smartphones into POS terminals, "Cardmídia" digital advertising screens at points of sale, and "Loja do Cardoso" marketplace integration services.
Is CardPay a public or private company?
CardPay is a private company. It is classified as corporate owned and is currently operating.
When was CardPay founded?
CardPay was founded in 2020. It employs 1 to 10 people.
Where is CardPay based?
CardPay is headquartered in São Paulo, Brazil, in the Latin America region.
Who are CardPay's main competitors?
Broad incumbents on record are Cielo and Rede (Itaú). Direct peers are Mercado Pago, SafraPay, Stone Co., GetNet (Santander) and PagSeguro (PagBank). Emerging players are InfinitePay and Ton (Stone). SumUp is listed as a regional player.
Does CardPay have an API?
Yes. Cardhub is described as an API that consolidates all Cardway benefits into a single interface. However, no specific API documentation URL, technical specifications (REST, GraphQL, webhooks), authentication details, rate limits, or developer portal are provided in the source material.
What industry is CardPay in?
CardPay's product category is Payment Processing. Its primary akta.pro industry code is FSAMABAC, Card-Present Acquirers (Retail & POS Focus), with a secondary code of CRAFALAB, Merchant Acquiring & Card Processing (PSPs). Its SIC code is 6199.