Giro Pagamentos

What Giro Pagamentos does

Giro Pagamentos (legal entity Giro Pagamentos e Tecnologia Ltda) is a Brazilian payment-facilitation platform founded in 2015 and headquartered in São Paulo. The company operates a web-based platform that enables individuals, businesses, and public institutions to consult and pay vehicle-related debts — IPVA, DPVAT, licensing, and fines — in installments of up to 18x on credit cards, with the option to split payment across two cards. It accepts six major card brands (Mastercard, Visa, Hipercard, Elo, Amex, Cabal) and holds national authorization from Senatran, state-level accreditation from SEFAZ São Paulo, and PCI DSS certification. Giro's geographic footprint spans all 27 Brazilian states plus the Federal District, supported by state-specific web pages and direct Detran integration.

Beyond its consumer offering, Giro has built three B2B verticals. In automotive retail, it serves dealerships, despachantes (vehicle dispatchers), and workshops with customized installment rules, automated reconciliation, and D+1 settlement. In healthcare, it provides clinics and hospitals with split-payment functionality and automatic transfers to involved professionals, alongside claimed reductions in tax and operational costs. In the public sector, it partners with municipalities to enable installment payment of taxes, fines, fees, and active debt by citizens.

Giro generates revenue primarily through transaction fees on payment processing, with a pay-as-you-go pricing model across both consumer and B2B segments. Its go-to-market blends self-service digital acquisition for individual consumers with direct, specialist-led sales for B2B and public-sector clients. Operational infrastructure is anchored by payment-network partnerships (Mastercard) and multi-acquirer relationships (Getnet, PagSeguro, Banco Daycoval). The company is privately held with no disclosed venture or private-equity funding and operates with an 11–50 employee headcount.

Name

Giro Pagamentos

Legal name

Giro Pagamentos e Tecnologia Ltda

Website

https://giropagamentos.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Giro Pagamentos is a São Paulo-based Brazilian payment platform founded in 2015 that enables individuals, automotive retailers, healthcare providers, and municipalities to pay vehicle debts, taxes, and fines in installments up to 18x on credit card, operating across all 27 Brazilian states under Senatran and PCI DSS accreditations.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro industry

PRIMARYFSAGABAA

Payment Orchestration Platforms

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYBPAMAFAA

Payment Gateways & Orchestration

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

• Vehicle tax payments
• Payment processing platform
• Installment credit cards
• Municipal tax collection
• Detran debt payment

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing: Transaction fees from processing credit card payments for vehicle debts (IPVA, DPVAT, licensing, fines) with installment options up to 18 months
2. B2B Payment Solutions: Customized payment solutions for automotive dealers, healthcare facilities, and public sector institutions with reconciliation and automated settlement services
3. Public Sector Services: Payment processing services for municipalities enabling installment payment of taxes, fees, fines, and active debt for citizens

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Giro Pagamentos operates a payment processing platform that allows individual consumers to settle vehicle-related debts (IPVA, DPVAT, licensing, fines) in up to 18 installments on credit cards, and provides B2B solutions for automotive dealers, healthcare providers, and public sector institutions with automated reconciliation and D+1 settlement. The platform is accredited by Senatran and Sefaz São Paulo and accepts Mastercard, Visa, Hipercard, Elo, Amex, and Cabal cards.

Product overview

Giro Pagamentos operates as a unified payment facilitation platform offering vehicle debt payment services (IPVA, DPVAT, licensing, fines) that can be paid in up to 18 installments on credit card. The platform serves three distinct segments: individual consumers (Para você), businesses (Para seu negócio), and public institutions. For businesses and public sector clients, the platform includes a simple and easy-to-use system with automated reconciliation and D+1 settlement. Specialized industry solutions are available for automotive retail, healthcare, and public sector, each with customized installment rules, financial flows, and features like payment splitting. The platform accepts six major payment brands (Mastercard, Visa, Hipercard, Elo, Amex, Cabal) and allows up to two credit cards per transaction.

Differentiator

Problem solved

Functional benefit

Products and services

• Débitos Detran - Parcelamento para Pessoas Self-service offering for individual vehicle owners to consult and pay vehicle debts (IPVA, DPVAT, licensing, fines) in up to 18 installments on credit card, with free debt consultation.
• Débitos Detran - Parcelamento para Empresas Business-focused vehicle debt payment solution with a simplified system, automated reconciliation, and D+1 settlement for companies managing vehicle debt payments on behalf of customers.
• Solutions for Automotive Retail End-to-end payment solution for car dealerships, despachantes, workshops, and automotive chain services with customized installment rules and financial flows adapted to the automotive market.
• Solutions for Healthcare Sector Payment solution for clinics and hospitals featuring payment splitting and automatic transfer of portions to involved professionals, designed to reduce tax and operational costs.
• Solutions for Public Sector Government and public institution solution enabling installment payment of taxes, fees, fines, contributions, and active debt, backed by national Detran authorization across multiple Brazilian states.

Quantifiable outcome

• Payment processing for vehicle debts in installments up to 18x
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MastercardcoreTechnology or IntegrationPayment network partnership enabling credit card processing for vehicle debt payments across all accepted card brands
• Secretaria Nacional de Trânsito (Senatran)coreStrategic or Co-development PartnerNational regulatory partnership providing authorization to process Detran payments across all Brazilian states
• Secretaria da Fazenda e Planejamento do Estado de São PaulocoreStrategic or Co-development PartnerState-level accreditation to process tax-related payments in São Paulo
• DenatrancoreStrategic or Co-development PartnerPartnership for processing national traffic-related payments and vehicle documentation
• CreaminorChannel Partner/ Reseller/ DistributorProfessional council partnership for automotive and technical services sector engagement

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• PicPay: Brazilian digital payments and banking platform offering payment processing, credit, and bill payment services. Comparable in offering bill payment and installment solutions, though with broader consumer focus.
• EBANX: Brazilian-founded payment processor specializing in cross-border and domestic payment solutions across Latin America. Comparable in operating region and payment infrastructure focus, though primarily cross-border oriented.

Broad incumbents

• PagSeguro: Major Brazilian payment processor and acquirer offering credit card processing, installment options, and digital payment solutions. While broader in scope, PagSeguro is a direct partner of Giro and represents the type of large incumbent that could disintermediate Giro's specialized offering.
• Getnet: Brazilian payment acquirer owned by Santander providing card processing and merchant services. Also a Giro partner, Getnet serves the same merchants and could develop direct installment offerings for tax and vehicle debt payments.
• Stone: Leading Brazilian payments acquirer offering processing, banking, and software solutions to merchants. Stone's broad merchant relationships and capital base could enable rapid expansion into specialized verticals like vehicle debt installments.
• Cielo: Brazil's largest card acquirer providing payment processing, point-of-sale solutions, and digital commerce tools. Cielo's scale and merchant network make it a potential competitor if it chooses to enter specialized government/tax payment verticals.
• Mercado Pago: Fintech arm of Mercado Livre offering digital payments, credit, and installment services to millions of Brazilian consumers and merchants. Its consumer reach and credit capabilities make it a competitive threat in installment-based payments.
• Banco Inter: Brazilian digital bank offering payments, credit, and account services. Its integrated banking and payment capabilities could enable direct competition in tax and fee payment processing with bundled offerings.
• Nubank: Brazil's largest digital bank with over 80 million customers offering credit cards, payments, and personal loans. Its massive credit cardholder base gives it structural advantages in installment-based payment products.
• Rede (Itaú): Payment acquirer owned by Itaú Unibanco offering card processing and merchant services. As a major Brazilian acquirer, Rede represents another incumbent with the scale to enter specialized payment verticals like government tax installments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/GiroPagamentos
• LinkedInlinkedin.com/company/giropagamentos

Compliance4 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 Giro Pagamentos