What Provis Alimentación does

Provis Alimentación is the food benefit card program operated by Servitebca Perú, Servicio de Transferencia Electrónica de Beneficios y Pagos S.A., a privately held Lima-based entity backed by Peruvian conglomerate Intercorp. Founded around 2008, the company pioneered the replacement of paper food vouchers with electronic cards in Peru and serves more than 6,000 affiliated corporate clients under the framework of Ley N° 28051, regulated by the Ministry of Labor (MTPE) and the Superintendencia de Banca, Seguros y AFPs (SBS). Its offering allows employers to provide tax-advantaged food allowances to employees — exempt from ESSALUD, bonuses, CTS, vacation accruals, and AFP/ONP deductions — delivering an employer-side payroll cost reduction of up to 49% and employee net purchasing power gains, with the benefit capped at 20% of ordinary remuneration and 2 Remuneraciones Mínimas Vitales.

The product stack centers on a reloadable VISA contactless prepaid card accepted across Peru via the VISA network, supplemented by three digital channels: the Conexión Empresas Online self-service portal for corporate HR/payroll management (card issuance, batch recharges, regulatory reporting), the Conexión Personas Online consumer web portal for balance and transaction inquiries, and the App Tebca mobile application (iOS and Android) for balance checks and preventive card blocking. NovoPayment provides the digital platform layer powering these portals. The merchant footprint spans 8 major Peruvian retail chains (Wong, Vivanda, Metro, Tottus, Plaza Vea, Makro, Economax, Mass), restaurants, delivery apps, and select pharmacies.

Provis operates a B2B2C distribution model selling to enterprise employers through direct sales outreach and the self-service portal, with cards then distributed to employees as the cardholders. Revenue is generated through service commissions charged to companies on top of benefit amounts loaded onto cards (only the commission is subject to Peruvian IGV/VAT), card replacement fees per a published Tarifario de Reposición, and a seasonal Navidad Peruana corporate gifting program. Pricing is quote-based and not publicly disclosed. The company is privately held with no disclosed funding rounds, 11–50 employees, and operates exclusively in Peru with international transactions unsupported.

Name

Provis Alimentación

Legal name

Servitebca Perú, Servicio de Transferencia Electrónica de Beneficios y Pagos S.A.

Website

https://provis.com.pe

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Provis Alimentación operates Peru's pioneer electronic food benefit card program under Ley N° 28051, serving 6,000+ corporate employers with reloadable VISA contactless cards, self-service enterprise portals, and a mobile app to deliver tax-advantaged food allowances to employees.

Ownership category

akta.pro rank

Product category

Employee Benefits Administration

akta.pro primary industry

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK)

Keywords

• Food benefit cards
• Prepaid payment cards
• Employee benefits administration
• Corporate expense management
• Contactless payment solutions

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Service Commission: Companies pay a service commission on top of the food benefit amount loaded onto cards. Only the commission is subject to IGV (Peruvian VAT), not the benefit amounts themselves.
2. Card Replacement Fees: Revenue generated from card replacement services when cards are lost, stolen, or have forgotten PINs. Replacement fees are outlined in the fee schedule (Tarifario de Reposición).
3. Christmas Card Program: Seasonal food benefit cards offered to companies for employee gifting during Peruvian Christmas season.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Provis Alimentación operates a Ley 28051-compliant food benefit program in which corporate employers fund reloadable Visa contactless prepaid cards that employees use to purchase food and meals at VISA-accepting merchants nationwide. The offering is supported by an enterprise self-service portal (Conexión Empresas Online) for card issuance and recharges, a consumer web portal (Conexión Personas Online), and a mobile application (App Tebca). Employers benefit from exemptions on social security contributions, bonuses, CTS, and vacation accruals, while employees receive tax-advantaged purchasing power for food.

Product overview

Provis Alimentación operates as a comprehensive food benefit ecosystem built around a reloadable Visa contactless card as the central instrument. The core Programa de Prestación Alimentaria Provis is the flagship offering—a Ley N° 28051-compliant food allowance program that replaces traditional paper vouchers with electronic cards, enabling employers to provide tax-advantaged food benefits while reducing payroll overhead costs. The program is supported by two complementary platforms: Conexión Empresas Online for employer self-service administration (card issuance, reloads, batch processing, and regulatory reporting) and Conexión Personas Online for individual cardholders to check balances and transactions. The App Tebca mobile application (available on iOS and Android) provides a 100% digital channel for balance inquiries, transaction history, and card management. The Navidad Peruana program represents a seasonal variant of the card-based benefit designed for year-end corporate gifting with cultural theming.

Differentiator

Problem solved

Functional benefit

Brands

• Conexión Personas Online: Online portal for individuals to check balances and transactions 24/7
• Conexión Empresas Online
• App Tebca

Products and services

• Programa de Prestación Alimentaria Provis A comprehensive Ley 28051-compliant food benefit program providing employers a mechanism to allocate reloadable Visa contactless cards to employees for food purchases, with benefits exempt from EsSalud contributions, bonuses, CTS, and vacation accruals, achieving up to 49% labor overhead savings.
• Tarjeta Provis Visa Contactless

Quantifiable outcome

• Reduces labor overhead costs by up to 49%
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and major.

• VISAcoreTechnology or IntegrationVISA provides the payment network infrastructure enabling Provis cards to be accepted at all VISA-affiliated merchants nationwide. The partnership ensures contactless payment capability and access to VISA's established merchant network across supermarkets, restaurants, and delivery apps in Peru.
• NovoPaymentcoreTechnology or IntegrationNovoPayment provides the digital payment platform technology powering the Conexión Personas and Conexión Empresas Online portals. The partnership enables the web and mobile interfaces used for balance inquiries, card management, and enterprise self-service administration.
• Superintendencia de Banca, Seguros y AFPs (SBS)coreOthersPeru's banking and securities regulator provides oversight and regulatory authorization for Servitebca Perú's electronic benefit transfer services. This regulatory relationship establishes the company's legitimacy and compliance with Peruvian financial services regulations.
• Major Peruvian Retail ChainsmajorChannel Partner/ Reseller/ DistributorPartnership with 8 major Peruvian retail chains (Wong, Vivanda, Metro, Tottus, Plaza Vea, Makro, Economax, Mass) enables Provis cardholders to use their food benefits at these merchant locations. These are VISA-accepting merchants within the food category.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Caju: Brazilian multi-benefit prepaid card platform providing employer-funded food, meal, and other benefits to employees. Operates an analogous B2B2C model with stored-value cards, overlapping directly with Provis's employer-sponsored food benefit offering.
• iFood Benefícios: Brazilian food-focused benefits card program that turns employer-funded allowances into food and meal purchasing power across merchants and the iFood delivery ecosystem. Directly mirrors Provis's positioning of converting payroll-budget into digital food purchasing via cards.
• Alelo: Brazilian benefits card company offering Alimentação (food), Refeição (meal), and Cultura benefits via prepaid cards to corporate employers. Highly comparable in product structure (restricted-network prepaid cards for employer benefits) but at significantly larger scale in Brazil.
• Up Brasil: Brazilian prepaid benefits platform (Alimentação, Refeição, Combustível, Cultura) issued via prepaid cards to employees of corporate clients. Same regulatory-adjacent, employer-sponsored benefit-card model as Provis, but operating in Brazil.

Others

• Visa Direct / Visa Prepaid Programs: Underlying payment network and BIN-sponsorship infrastructure on which Provis's VISA contactless card runs. Not a competitor but the rails/issuer enabler without whom Provis's nationwide merchant acceptance would not work.
• NovoPayment: Provider of the digital payment platform hosting Provis's Conexión Empresas Online and Conexión Personas Online portals. Technology partner that enables Provis's enterprise self-service and consumer-facing web interfaces.

Regional players

• Swile: French employer-benefits prepaid card provider (meal, gift, mobility) that has expanded internationally. Operates the analogous employer-funded prepaid card model with merchant network acceptance.

Broad incumbents

• Pluxee: Sodexo's former Benefits & Rewards business, now independent, issuing restaurant and food benefits cards to employers in over 30 countries. Direct functional equivalent to Provis at much larger scale.
• Edenred: Global leader in prepaid corporate benefits (Ticket Restaurant, Ticket Alimentación) operating across LATAM and many other geographies. Highly relevant as an incumbent that operates the exact same employer-food-benefit category at much greater geographic scale.
• Sodexo Benefits & Rewards Services: Global food and benefits card issuer (Pluxee network post-spin) used by corporate employers worldwide. Comparable employer-sponsored prepaid meal-card offering, though operating as a broad multinational across numerous benefits categories.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@TebcaPeru24
• Facebookfacebook.com/ProvisAlimentacion
• LinkedInlinkedin.com/company/tebca-peru

Compliance2 records

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 Provis Alimentación