Uzzipay

What Uzzipay does

Uzzipay is a Brazilian digital banking and payments platform operated within the Rovema Bank ecosystem, headquartered in Porto Velho, Rondônia. The company serves both individual consumers (Pessoa Física) and businesses (Pessoa Jurídica), with self-described pioneer positioning in Brazil's Norte (Northern) region. Its core offering consists of mobile-first digital accounts (PF and PJ), the API PIX product for ERP and business payment integration (take-rates starting at 0.80% general and 0.70% for PJ accounts), and the Maquininha card payment terminal supporting Visa, MasterCard, Elo, Amex, and Hipercard with contactless capability. Ancillary services include payment anticipation (including third-party receivables from Getnet, Stone, Sipag, and Cielo), payment links, payment splitting, and invoice installment services.

The technical backbone is Pix payment infrastructure combined with a digital banking platform and API integration layer for ERP and business management systems. Beyond payments, Uzzipay operates a portfolio of vertical SaaS sub-brands — Bionio (employee multibenefits cards), Verdio (vehicle tracking), Eliq (fuel distribution management), and Asto (maintenance management) — distributed through the same SMB account relationships. The company distributes exclusively in Brazil via mobile apps (iOS/Android), Internet Banking, direct API sales, and physical Maquininha devices.

The business model is predominantly transaction-fee based, with revenue generated from Pix take-rates, card terminal fees, payment anticipation margins, and recurring subscription revenue from the Bionio/Verdio/Eliq/Asto vertical SaaS suite. Account opening is freemium (with monthly balance limits of R$ 10,000 requiring document verification for upgrade), while ERP partners receive rebates of up to 20% on QR Code Pix tariffs. Distribution is hybrid: a self-serve, product-led growth motion for PF/PJ account acquisition combined with direct B2B sales targeting ERP integrators, condominium administrators, and SMB customers across Northern Brazil.

Name

Uzzipay

Legal name

UzziPay

Website

https://uzzipay.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Uzzipay is a Brazilian digital banking and payments platform, operating under the Rovema Bank ecosystem, that offers Pix-integrated digital accounts, card terminals, and vertical SaaS tools to consumers and SMBs, with a pioneer position in Northern Brazil.

Ownership category

akta.pro rank

Product category

Digital Banking and Payment Processing

NAICS

Depository Credit Intermediation (5221)

SIC

Finance Services (6199)

akta.pro primary industry

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

akta.pro secondary industry

EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• Digital banking
• Pix payment processing
• Financial api integration
• Payment terminals
• Digital wallet services

Headquarters

HQ city

São Paulo

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, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing Fees: Transaction fees from card payment terminals (maquininha) accepting debit, credit à vista, and installment payments. Additional revenue from payment anticipation services for businesses.
2. API Pix Services: Fees charged for API Pix integration services, with rates starting from 0.80% for ERP partners and 0.70% for PJ accounts, including rebate programs up to 20% for QR code transactions
3. Digital Account Services: Free account opening with revenue derived from transaction fees on transfers, payments, and value-added services for PF and PJ customers
4. Bionio Multi-benefits Management: Employee benefits management platform generating revenue through service fees for multibenefits card management
5. Fleet Management Solutions: Eliq (fuel distribution), Verdio (vehicle tracking), and Asto (maintenance management) platforms providing subscription-based management services

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Uzzipay is a digital bank that provides payment accounts and digital wallet services for both individuals (Pessoa Física) and businesses (Pessoa Jurídica) in Brazil. The core offering includes mobile-first digital accounts with Pix, TED, and bill payment capabilities, API Pix integration for businesses and ERP systems, card payment terminals (Maquininha), and a suite of ancillary financial services including payment anticipation, payment links, payment splitting, and invoice installments.

Product overview

Uzzipay is a digital banking and payments ecosystem operated by Rovema Bank, offering a comprehensive portfolio of financial services and solutions. The core offering consists of digital accounts for both individuals (Pessoa Física) and businesses (Pessoa Jurídica) with full banking capabilities. The product suite includes specialized APIs for PIX payment integration (API PIX for general businesses and API PIX Condomínios for condominium management), card payment terminals (Maquininha), and ancillary services including payment anticipation (Recebíveis), payment links, payment splitting, and invoice installments. The ecosystem extends to complementary vertical solutions including BIONIO for employee benefits management, VERDIO for vehicle tracking, ELIQ for fuel fleet management, and ASTO for maintenance management. Uzzipay positions itself as a comprehensive financial services ecosystem serving both individual consumers and business customers, with particular strength in the Northern region of Brazil.

Differentiator

Problem solved

Functional benefit

Brands

• Bionio: Gestão de benefícios - Benefits management platform
• Verdio
• Eliq
• Asto

Quantifiable outcome

• Reduction of payment collection costs by up to 70%
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core ecosystem and flagship.

• Bioniocore ecosystemOthersEmployee multibenefits card management platform providing meal, food, and benefit card administration integrated into the UzziPay ecosystem for business customers
• Verdiocore ecosystemOthersVehicle tracking and fleet management platform integrated into UzziPay services for business customers requiring vehicle monitoring solutions
• Eliqcore ecosystemOthersFuel distribution management platform enabling businesses to manage and track fleet fuel consumption and expenses
• Astocore ecosystemOthersMaintenance management platform for businesses to track and manage equipment and facility maintenance operations
• Rovema BankflagshipStrategic or Co-development PartnerParent company and ecosystem partner providing the broader Rovema Bank financial services infrastructure including Maquininha (card terminal), Link de Pagamentos, Split de Pagamentos, and other financial products under the Rovema Bank brand

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Nubank: Brazil's largest neobank offering free digital accounts, Pix, credit cards, and a PJ business account product aimed at SMBs — the most direct and largest-scale competitor to Uzzipay's PF/PJ digital accounts and Pix-led proposition.
• Inter & Co (Banco Inter): Brazilian super-app digital bank with PF and PJ accounts, Pix, payments, investments, and a growing product marketplace — directly comparable on the integrated-account-plus-services model Uzzipay targets.
• C6 Bank: Brazilian digital bank with PF/PJ accounts, Pix, and a card-heavy product suite — competes with Uzzipay for the same SMB digital-banking wallet and is similarly API-driven in distribution.
• PicPay: Brazilian digital wallet and payments app with Pix at its core, expanding into PJ commerce and merchant services — overlapping competitor on the consumer wallet and Pix-payment use cases that anchor Uzzipay's offering.
• PagBank / PagSeguro: Brazilian merchant acquirer (maquininha) and digital account provider for SMBs — directly competes with Uzzipay's Maquininha, Antecipação, and PJ account bundle.
• Mercado Pago: Brazilian digital wallet and merchant payments arm of Mercado Livre with Pix, payments links, and merchant acquiring — comparable on the integrated wallet + payments stack for consumers and merchants.

Broad incumbents

• Stone (StoneCo): Brazilian SMB-focused merchant acquirer and digital bank (Stone Mais) — broader, established incumbent in the same maquininha segment where Uzzipay's POS offering competes, and increasingly overlapping in PJ banking.
• Banco Original: Brazilian digital-first commercial bank serving both PF and PJ with Pix, accounts, and POS-adjacent products — incumbent comparable on the digital-bank-plus-payments positioning.
• Banco BV: Brazilian retail and SMB bank with digital accounts, cards, and POS-adjacent offerings — broad incumbent comparison for Uzzipay's PJ digital-account and card-based proposition.

Emerging players

• InfinitePay: Brazilian digital-account-plus-maquininha fintech targeting SMBs with Pix-native tools and integrated banking — emerging player in the same SMB PJ segment Uzzipay serves.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Uzzipay