Procob
Procob is a Brazilian B2B API-first platform, founded in 2004, that delivers credit protection, fraud prevention, debtor registration, vehicle data, and notary services to financial institutions, e-commerce, and other enterprises via Authorized Serasa Experian distribution.
- Company typePrivate
- Founded2004
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Procob does
Procob (legal name PROCOB PROTEÇÃO AO CRÉDITO) is a private Brazilian B2B technology company founded in 2004 and headquartered in São Paulo that delivers credit protection, fraud prevention, debtor registration, vehicle data, and notary (cartorial) services to enterprise and mid-market clients. Its core platform is API-first, with 94% of queries executed via direct system-to-system integration, and includes a web console for manual lookups and self-serve credit testing. The product portfolio is organized around four sub-brands — Análise de Risco/Advanced Background Check, Datamatch (anti-fraud), Crednet (credit verification / Concentre financial profiling), and the Serasa Experian-backed debtor negative-registration service — supported by continuous cadastral monitoring and vehicle history reports.
The company's technology stack aggregates Brazilian public and commercial records (credit, cadastral, vehicle, notary, fraud) and exposes them through a credit-based usage pricing model with a minimum R$50 purchase, no contractual fidelity period, and consultant-led enterprise sales. Procob has been an Authorized Distributor of Serasa Experian since 2010, giving it regulated access to bureau-grade data and the right to register debts in Serasa's defaulter database. The company is fully LGPD-compliant with a designated Data Protection Officer, operates exclusively in the Brazilian domestic market, and serves nine verticals: financial institutions, e-commerce, retail, industry, collections, legal, real estate, transportation, and registry offices (cartórios).
Procob is privately held with no disclosed institutional investors, parent company, M&A activity, or leadership changes. Distribution combines direct API integration for enterprise, a web platform for mid-market users, and consultant-led sales supported by phone and WhatsApp channels. Revenue is generated primarily through pay-per-query credit consumption and recurring API integration usage, with no published pricing or revenue figures available in the source material.
Procob firmographics
Firmographics- Name
- Procob
- Legal name
- PROCOB PROTEÇÃO AO CRÉDITO
- Website
- https://procob.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Procob is a Brazilian B2B API-first platform, founded in 2004, that delivers credit protection, fraud prevention, debtor registration, vehicle data, and notary services to financial institutions, e-commerce, and other enterprises via Authorized Serasa Experian distribution.
- Ownership category
- akta.pro rank
Procob industry classification
Industry- Product category
- Credit Protection & Fraud Prevention Software
- NAICS
- Credit Bureaus (561450)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE)
Keywords
Where Procob is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Procob business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit-based Query System: Customers purchase credits to conduct queries and consultations. Minimum purchase of R$50. Credits are consumed per query with 24-hour registration period. System allows automated processing through API integration.
- API Integration Services: 94% of queries conducted via API integration. Companies integrate Procob's data solutions directly into their systems for automated processing of credit protection and fraud prevention queries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Credit-based pay-per-query system |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Procob product offering
Product offeringCore offering
Procob provides a unified API-first platform for credit protection and fraud prevention in Brazil, delivering identity validation, cadastral analysis, credit verification, debtor negative registration (as an Authorized Serasa Experian Distributor), notary searches, and vehicle history reports. The offering is consumed primarily via API integration (94% of queries) and a web-based query portal, with a credit-based pay-per-query monetization model starting at R$50 minimum purchase.
Product overview
Procob offers a unified platform for credit protection and fraud prevention, providing integrated solutions via API (used in 94% of queries) for identity validation, cadastral analysis, credit verification, debtor negative registration (as an Authorized Serasa Distributor), notary services, and vehicle status checks. The company serves diverse sectors including Financial Institutions, E-commerce, Retail, Industry, Collections, Legal, Real Estate, Transportation, and Notary offices.
Differentiator
Problem solved
Functional benefit
Brands
- Advanced Background Check: Background check solution to obtain negative certificates for validating information of individuals and legal entities.
- Datamatch
- Crednet
- Concentre
Products and services
- Análise de Risco (Advanced Background Check) Risk analysis tool that protects companies against cyber threats and fraudulent activities through rigorous verification of data, documents, and backgrounds, including retrieval of negative certificates for individuals and legal entities.
- Datamatch Anti-fraud system that compares buyer information with credit card holder data to prevent fraudulent activities and ensure transaction security in online purchases.
- Verificação de Crédito (Crednet) Credit verification tool that provides complete information about financial liabilities and state protests for CPF (individuals) or CNPJ (legal entities), supporting efficient credit decision-making.
- Negativação de Devedores Debtor negative registration service backed by the Consumer Defense Code that allows companies to include and exclude unpaid debts up to 5 years old in Serasa Experian's defaulters database, as an Authorized Distributor.
- Serviços Cartoriais Notary services including property searches, negative property certificates, and updated property registrations, enabling access to notary information without physical travel to cartórios.
- Situação Veicular (Vehicle Data, BIN + Restrictions, Gravames) Vehicle status reporting providing detailed information about vehicle history, previous owners, auction records, total loss incidents, manufacturing characteristics, and active financing guarantees (gravames).
Quantifiable outcome
- Automated processing reduces manual work in registration and validation
Companies that use Procob
Customer profileSegments9 records
Ideal customer profiles3 records
Procob technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature6 records
Procob partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Serasa ExperiancoreProcob is an Authorized Distributor of Serasa Experian since 2010. This partnership enables Procob to offer debtor negativation services, registering debts in the Serasa database. The company provides credit verification, financial restriction checks, and related services through this authorized relationship.
Scale indicators3 records
Recent moves4 records
Expansion highlights5 records
Procob competitors and assessment
Company assessmentBroad incumbents
- Serasa Experian: Brazil's largest credit bureau and the primary source of debtor and credit data that Procob distributes. Overlap is direct in credit verification and debtor registration; Serasa is also Procob's upstream partner and a potential competitor for direct-to-customer relationships.
- LexisNexis Risk Solutions: Global identity and fraud data provider operating in Brazil through acquired assets (Konduto, DataCash). Competes with Procob in supplying cross-border fraud, identity verification, and cadastral data to Brazilian enterprises.
- SPC Brasil: Brazilian credit information service associated with CDL (commercial association) network. Provides credit reports and debtor registration services comparable to Procob's Crednet and Negativação offerings, especially for retail and small business customers.
Emerging players
- Konduto: Brazilian antifraud and device intelligence platform acquired by LexisNexis Risk Solutions. Offers transaction fraud scoring and behavior analytics comparable to Procob's anti-fraud capabilities for e-commerce.
- Caf: Brazilian fintech data company offering credit, cadastral, and KYC data APIs to lenders and fintechs. Direct comparability with Procob's API-first credit verification and cadastral monitoring offerings for digital lenders.
- idwall: Brazilian identity verification and KYC startup offering automated background checks, document validation, and facial recognition via APIs. Overlaps with Procob's Advanced Background Check and Datamatch products targeting fintechs and e-commerce.
Direct peers
- Boa Vista SCPC: Major Brazilian credit bureau offering credit reports, scores, cadastral data, and fraud prevention tools to financial institutions and retailers. Directly comparable in credit verification and identity data services for the same B2B audience.
- Quod: Brazilian credit bureau formed by a consortium of major banks (Bradesco, Santander, Itaú, Caixa). Competes with Procob in supplying credit, identity, and fraud-prevention data to financial institutions through APIs and digital channels.
- ClearSale: Brazilian anti-fraud specialist focused on e-commerce transaction approval and chargeback prevention. Comparable to Procob's Datamatch and e-commerce fraud-prevention offerings, serving overlapping online retail customers.
Regional players
- Acesso Soluções de Pagamento: Brazilian fintech offering credit information, identity validation, and risk analytics for the Brazilian payments and lending ecosystem. Comparable in customer segments and the use of data APIs for credit and fraud decisions.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Procob social profiles
Digital presenceProcob compliance and trust
Trust signalCompliance1 record
Procob financial estimates
Financial estimateRevenue estimate
Valuation estimate
Procob leadership team
Management profileNumber of profiles
Procob funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Procob 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 Procob
What does Procob do?
Procob provides a unified API-first platform for credit protection and fraud prevention in Brazil, delivering identity validation, cadastral analysis, credit verification, debtor negative registration (as an Authorized Serasa Experian Distributor), notary searches, and vehicle history reports. The offering is consumed primarily via API integration (94% of queries) and a web-based query portal, with a credit-based pay-per-query monetization model starting at R$50 minimum purchase.
Is Procob a public or private company?
Procob is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Procob founded?
Procob was founded in 2004. It employs 11 to 50 people.
Where is Procob based?
Procob is headquartered in São Paulo, Brazil, in the Latin America region.
How does Procob make money?
Two revenue lines are on record. Credit-based Query System is the primary driver. The others are API Integration Services.
Who are Procob's main competitors?
Broad incumbents on record are Serasa Experian, LexisNexis Risk Solutions and SPC Brasil. Emerging players are Konduto, Caf and idwall. Direct peers are Boa Vista SCPC, Quod and ClearSale. Acesso Soluções de Pagamento is listed as a regional player.
Does Procob have an API?
Yes. Procob offers an integration API that connects systems, software, and applications in a fast and secure manner. The API enables users to query Procob's data without directly accessing the origin platform, allowing solutions to be available within the user's own system. As of the available data, 94% of Procob's queries are performed via API integration. API documentation is available at https://api.procob.com/. Developer documentation is at api.procob.com.
What industry is Procob in?
Procob's product category is Credit Protection & Fraud Prevention Software. Its primary akta.pro industry code is FSAGAFAE, Fraud Detection & Prevention (payments fraud, account takeover, scams). Its NAICS code is 561450 and its SIC code is 7320.