What Negocie Online does

Negocie Online is a Brazilian SaaS fintech that builds a white-label digital debt collection and credit recovery platform for large enterprises operating in high-volume recurring billing environments. The company is incorporated as a subsidiary of Grupo Accesstage and headquartered on Avenida Paulista in São Paulo, Brazil. Its product consolidates an AI-powered chatbot, a proprietary negotiation engine, a scoring and rules engine, omnichannel orchestration (SMS, email, WhatsApp, voice agent, webchat, push, and social), analytics on Big Data interaction history, and security-by-design data governance into a single cloud platform that clients brand and embed inside their own apps, websites, billing systems, and CRM.

The platform serves companies that run recurring billing and carry large delinquent portfolios — spanning telecommunications, subscription TV, banking and financial institutions, credit card issuers, utilities (water/energy/sanitation), schools and universities, health insurance plans, and retail installment plans. The flagship documented deployment is with SKY Brasil, where the platform generated over 400,000 new payment promises, achieved over 90% digital interactions without human agents, and was associated with a 50% lift versus traditional collection models and a 115% increase in the payment promise index. At a customer base level the platform reports roughly 2.5 million monthly active customers, R$30 million recovered monthly, and 10 million payment promises signed — figures that demonstrate end-user reach rather than company revenue.

The business model combines subscription SaaS contracts with white-label OEM licensing: clients pay for platform access, customization, and ongoing operation under multi-year agreements, with pricing set per contract based on portfolio volume and scope (no public pricing tiers). Go-to-market is primarily enterprise field sales supported by inside sales and inbound content marketing, with no self-serve marketplace listing. Recognition has come through four regional awards (Cliente SA 2018, Bestperformance 2018, Bestperformance 2019, Cliente SA LATAM 2019), all anchored on the SKY Brasil work. The company has 11–50 employees and discloses no external funding rounds or external investors — it operates as an integrated unit within the Accesstage group portfolio.

Name

Negocie Online

Legal name

NEGOCIE ONLINE

Website

https://negocieonline.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Negocie Online is a São Paulo-based SaaS fintech (subsidiary of Grupo Accesstage) that delivers a white-label, AI-powered digital debt collection and credit recovery platform deployed inside large Brazilian enterprises' own digital channels across telecom, banking, utilities, education, health, and retail.

Ownership category

akta.pro rank

Headquarters

HQ city

Bela Vista

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription and Managed Services: The company operates on a subscription/SaaS model delivering its white-label digital collection platform as a managed service. Clients pay for platform access, configuration, and ongoing operation. The platform generates recurring monthly revenue through contract values tied to client portfolio size and volume.
2. White-Label Licensing and Platform Customization: White-label OEM licensing where the platform is branded under the client's identity, with custom visual identity, business rules, and integration with the client's official channels. Revenue is derived from setup fees and ongoing licensing tied to the white-label deployment.

Pricing tiers

Go-to-market motion4 records

Distribution channels3 records

Marketing channels7 records

Core offering

Negocie Online operates a cloud-based, white-label SaaS platform for digital debt collection, credit recovery, and churn prevention. The platform combines an AI-powered negotiation chatbot, an automated scoring and rules engine, and omnichannel orchestration (SMS, email, WhatsApp, webchat, voice, push, social) to enable enterprises to deploy 24/7 self-service debt renegotiation under their own brand, integrated directly with their billing and CRM systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Negocie Online White-Label Digital Collection Platform
• AI-Powered Negotiation Chatbot
• Automated Collection Scoring and Rules Engine
• Omnichannel Orchestration Module

Quantifiable outcome

• 85% reduction in human interaction in collection operations after adopting platform automation
• +8 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability9 records

Feature6 records

Partnerships

One partnership is on record.

• Grupo AccesstagecoreOthersNegocie Online is explicitly identified as a 'Fintech do Grupo Accesstage' (Fintech of Grupo Accesstage), founded in 2015. Grupo Accesstage is the parent company of Negocie Online and provides the organizational backing for its fintech operations in digital debt collection and credit recovery solutions.

Scale indicators14 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• PagSeguro / PagBank: Major Brazilian payments and digital banking platform serving merchants and consumers with credit, Pix, and omnichannel commerce tools. Comparable as a broad Brazilian fintech incumbent with growing consumer-credit and SMB collections capabilities that overlap with Negocie Online's recurring-billing customer segments.
• Totvs: Brazil's largest enterprise software company offering ERP, CRM, and financial-management suites used by banks, telecoms, and large corporates. Comparable as a broad incumbent whose platforms increasingly embed AI-driven customer engagement and collections features that compete with Negocie Online's specialist offering.

Regional players

• Méliuz: Brazilian fintech providing digital financial products and consumer credit services. Comparable as a Brazilian fintech serving consumer credit/payment use cases, but its primary business is cashback and marketplace credit rather than enterprise debt collection.
• Cobre Fácil: Brazilian digital billing, collections, and recurring-payments platform for SMBs and enterprises. Comparable in the Brazilian collections/billing automation space and in serving recurring-billing verticals, though typically with smaller average clients than Negocie Online's enterprise focus.

Direct peers

• TrueAccord: US-headquartered digital-first debt collection platform using machine learning and omnichannel outreach to recover consumer debt. Highly comparable to Negocie Online in product (AI-driven, self-service white-label collection), target buyer (large enterprise creditors), and business model (SaaS / managed service).
• Acordo Certo: Brazilian digital debt settlement and renegotiation platform connecting consumers with creditors. Comparable as a Brazilian-market digital collection peer operating in the same regulatory environment (LGPD) and consumer segment, though its go-to-market leans more consumer-direct than Negocie Online's white-label OEM approach.
• Prodigal: US-based AI debt collection platform providing omnichannel conversational intelligence and agent-assist tools to lenders and collection agencies. Comparable in its specialization of NLP and voice/chat AI for recovery workflows and enterprise B2B SaaS model.
• InDebted: Australia-based digital debt collection platform serving enterprise creditors with AI-led, consumer-friendly self-service recovery flows. Directly comparable in white-label SaaS distribution model, AI chatbot-led negotiation, and focus on improving recovery rates versus traditional agencies.

Emerging players

• Skit.ai: AI voice and chat automation platform purpose-built for consumer collections and customer support. Comparable in vertical specialization (collections AI), omnichannel architecture, and enterprise SaaS distribution, though not exclusively debt-collection focused.

Others

• Accesstage (parent): Parent group of Negocie Online, providing financial and corporate software solutions in Brazil. Included as an ecosystem/parent peer — relevant for understanding corporate strategy, channel access, and the broader fintech portfolio in which Negocie Online operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCJ4UWt07jNF2csnFdC3vVoQ
• Facebookfacebook.com/NegocieOnlinee
• LinkedInlinkedin.com/company/negocie-online-br/?viewAsMember=true
• Instagraminstagram.com/negocieonlinebr

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 Negocie Online