NuPay for Business
NuPay for Business is a B2B payment platform under Nubank that lets merchants accept a direct, in-app authenticated payment method in Brazil. It serves enterprise and recurring-billing merchants via API integration, charging transaction fees with a cost structure that bypasses card-network intermediaries.
- Company typePublic
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What NuPay for Business does
NuPay for Business is a B2B payment platform operated as a product line within Nubank's Nu Enterprises division (legal entity: Nu Pagamentos S.A., a Brazilian payment institution headquartered in São Paulo). The solution enables merchants to accept a proprietary payment method in which authentication and credit extension occur directly inside the Nubank app, eliminating card-network intermediaries and the chargeback fraud associated with them.
The technology stack centers on three components: a Qualification API that uses customer credit data to personalize checkout options; in-app authentication that approves purchases in real time within the Nu app; and a tokenized payment infrastructure that authenticates a user once and then enables subsequent recurring charges without re-authentication. An additional module — Crédito Adicional — provides temporary credit, emergency credit, and installment plans up to 36 months at the point of checkout. Distribution is API-first, with merchants integrating NuPay into their e-commerce, mobile, and POS checkout flows.
NuPay generates revenue through transaction processing fees on a pay-as-you-go basis, priced more competitively than traditional card processing due to the absence of intermediaries. It targets enterprise merchants and recurring-payment businesses across Latin America (currently Brazil). The customer base includes Amazon, Uber, Meta, Spotify, iFood, Azul, Gol, Casas Bahia, Decolar, Petz, and others spanning ride-hailing, food delivery, streaming, e-commerce, airlines, travel, pharmacy, pet retail, and energy. As a product within publicly-traded Nubank (NYSE: NU), NuPay benefits from parent-company scale and brand, though standalone financial metrics are not separately disclosed.
NuPay for Business firmographics
Firmographics- Name
- NuPay for Business
- Legal name
- Nu Pagamentos S.A.
- Website
- https://nupaybusiness.com.br
- Company type
- Public
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- NuPay for Business is a B2B payment platform under Nubank that lets merchants accept a direct, in-app authenticated payment method in Brazil. It serves enterprise and recurring-billing merchants via API integration, charging transaction fees with a cost structure that bypasses card-network intermediaries.
- Ownership category
- akta.pro rank
NuPay for Business industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (522210)
- SIC
- Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141)
- akta.pro primary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where NuPay for Business is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
NuPay for Business business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: NuPay charges merchants a fee for processing payments. The cost structure is described as efficient and competitive compared to traditional credit card processing, operating without intermediaries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Cost-efficient payment processing without intermediaries |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
NuPay for Business product offering
Product offeringCore offering
NuPay for Business is a B2B payment method that lets merchants accept payments directly through the Nubank app, eliminating card-network intermediaries. It offers tokenized recurring payments, real-time in-app authentication, and additional credit features that expand buyer purchasing power at checkout. Merchants integrate NuPay via a payment API and access checkout personalization through the Qualification API.
Product overview
NuPay is a payment method offered by Nubank (Nu Pagamentos S.A.) under the Nu Enterprises division. The product portfolio consists of the core NuPay payment solution plus additional modules: the API de Qualificação for checkout personalization, the Crédito Adicional feature providing additional credit lines including temporary credit, emergency credit, and extended installment plans up to 36x, and both in-app payment authentication and tokenized payment options. These components work together to provide merchants with a complete payment ecosystem that reduces chargebacks, increases conversion rates, and offers flexible credit options to customers.
Differentiator
Problem solved
Functional benefit
Brands
- Nu Enterprises: The business division of Nubank that encompasses enterprise solutions including NuPay, API services, and additional credit products.
Products and services
- NuPay
Quantifiable outcome
- ~0% chargeback rate through direct app authentication eliminating card fraud
- +2 more outcomes
Companies that use NuPay for Business
Customer profileNamed customers16 records
Segments3 records
Ideal customer profiles2 records
NuPay for Business technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
NuPay for Business partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered major and core.
- UbermajorRide-hailing platform offering NuPay as a payment method in their checkout. Uber has integrated NuPay into their payment options allowing customers to pay directly through the Nu app.
- iFoodmajorBrazilian food delivery platform integrating NuPay as a payment option at checkout for food and grocery deliveries.
- AzulmajorBrazilian airline offering NuPay as a payment method for flight bookings, targeting customers with flexible payment options including installment plans.
- SpotifymajorMusic streaming service offering NuPay as a payment method for subscription billing, leveraging tokenized payment capabilities.
- PetzcoreBrazilian pet retail chain offering NuPay as a payment option in their physical and online stores for pet products.
- Zé DeliverycoreAlcohol and beverage delivery service in Brazil integrating NuPay for seamless checkout payments.
- MetamajorTechnology company offering NuPay as a payment option, likely for Meta's advertising or commerce platforms.
- AmazonmajorGlobal e-commerce marketplace offering NuPay as a payment method for Brazilian customers at checkout.
- Drogaria SPcoreBrazilian pharmacy retail chain offering NuPay as a payment option for medications and health products.
- DecolarcoreLatin American travel booking platform integrating NuPay for flight and hotel reservations, leveraging high-value purchase capabilities.
- GolmajorBrazilian airline offering NuPay as a payment method for flight bookings with extended installment options.
- 99coreBrazilian ride-hailing app integrating NuPay for ride payments, similar to Uber integration.
- PetlovecoreBrazilian pet e-commerce platform offering NuPay for pet product subscriptions and purchases.
- MeituanmajorChinese food delivery and lifestyle services platform offering NuPay for payments in Brazil where Meituan operates.
- Casas BahiamajorMajor Brazilian retail chain offering NuPay as payment for electronics and furniture, leveraging high-value purchase and installment capabilities.
- Shell BoxcoreFuel payment application from Shell Brazil integrating NuPay for convenient fuel purchases through the app.
Recent moves5 records
Expansion highlights5 records
NuPay for Business competitors and assessment
Company assessmentDirect peers
- EBANX: LATAM-focused cross-border and domestic payment gateway serving global merchants like Amazon and Spotify in Brazil — overlapping with NuPay's core enterprise merchant roster and Brazil-wide e-commerce checkout positioning.
- Rede (Itaú): Brazilian acquirer owned by Itaú Unibanco offering checkout APIs and installment credit at point of sale, competing head-to-head with NuPay's merchant-facing payment and credit-at-checkout proposition.
- Cielo: Brazil's largest card acquirer, now expanding into digital checkout, instant payments (PIX), and value-added services that compete for the same merchant-integrated payment-method slots where NuPay is offered.
- Stone Co. Major Brazilian acquirer offering checkout, point-of-sale, and increasingly app-based payment experiences for SMB and enterprise merchants, with overlapping checkout-merchant relationships to NuPay.
- PagBank (PagSeguro): Brazilian merchant acquirer and digital payment platform providing checkout APIs, PIX, and installment-based credit at point of sale — directly competing with NuPay for the same Brazilian e-commerce merchant wallet.
- Mercado Pago: LATAM digital payments arm of Mercado Libre; offers checkout APIs, installments, and QR/offline payments across Brazil and the region, with a bank-app-style user experience directly comparable to NuPay's model.
Emerging players
- PicPay: Brazilian digital wallet and payment platform expanding merchant checkout, PIX, and credit offerings; comparable in product scope but smaller in scale than NuPay's enterprise merchant footprint.
Broad incumbents
- Adyen: Global unified commerce payment platform serving enterprise merchants with checkout APIs, tokenization, and recurring billing; operates in Brazil and overlaps with NuPay at the enterprise merchant level.
- Stripe: Global payment platform offering checkout APIs, installments, and fraud tooling; competes with NuPay for the same enterprise merchants operating cross-border checkout stacks in Brazil.
- Visa Direct: Visa's account-to-account push payment network enabling real-time payouts and checkout; competes directly with NuPay's app-authenticated A2A payment flow at the network-rail level.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
NuPay for Business social profiles
Digital presenceNuPay for Business financial estimates
Financial estimateRevenue estimate
Valuation estimate
NuPay for Business leadership team
Management profileNumber of profiles
NuPay for Business funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NuPay for Business 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 NuPay for Business
What does NuPay for Business do?
NuPay for Business is a B2B payment method that lets merchants accept payments directly through the Nubank app, eliminating card-network intermediaries. It offers tokenized recurring payments, real-time in-app authentication, and additional credit features that expand buyer purchasing power at checkout. Merchants integrate NuPay via a payment API and access checkout personalization through the Qualification API.
Is NuPay for Business a public or private company?
NuPay for Business is a public company. It is classified as corporate owned and is currently operating.
When was NuPay for Business founded?
NuPay for Business was founded in 2019. It employs 51 to 100 people.
Where is NuPay for Business based?
NuPay for Business is headquartered in São Paulo, Brazil, in the Latin America region.
How does NuPay for Business make money?
One revenue line is on record: transaction Processing Fees.
Who are NuPay for Business's main competitors?
Direct peers on record are EBANX, Rede (Itaú), Cielo, Stone Co., PagBank (PagSeguro) and Mercado Pago. PicPay is listed as an emerging player. Broad incumbents are Adyen, Stripe and Visa Direct.
Does NuPay for Business have an API?
Yes. NuPay offers an API de Qualificação (Qualification API) that enables businesses to identify the best payment options for each customer at checkout. The API allows merchants to offer personalized checkout experiences by determining optimal payment methods based on customer profiles.
What industry is NuPay for Business in?
NuPay for Business's product category is Payment Processing. Its primary akta.pro industry code is FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions, with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 52232 and its SIC code is 6159.