ETC Soluções em Negócios

What ETC Soluções em Negócios does

ETC Soluções em Negócios is a Rio de Janeiro-based BPO company that manages corporate employee benefits for Brazilian businesses, with its core competency in vale-transporte (VT) administration across 700+ operators and 5,000+ municipalities. The company operates three proprietary technology layers on top of this operator network: the 'Percurso Certo' routing optimization tool, which analyzes employee commute patterns to recommend lower-cost transportation routes and yields ~15% savings; the 'Gestão de Saldos' balance management system, which redeploys accumulated unused VT credits to new purchases and yields ~40% savings; and a customer portal (gestao.etcsolucoes.com.br) for self-service benefits administration and reporting. Beyond VT, ETC sells complementary benefits including vale-alimentação and vale-refeição (VA/VR), health insurance brokerage, prepaid corporate cards, fuel vouchers, and a 'BPO de Benefícios' outsourced administration service.

ETC earns revenue through a performance-based pricing model, charging a small percentage of the savings it generates for clients, a structure the company markets as 'risco zero' (zero risk). It also collects one-time franchise fees from Home Based franchisees, an expansion channel introduced in 2022 that pairs centralized platform economics with local entrepreneur-led sales. The customer base is fragmented across SMB and mid-market Brazilian companies, with named case studies spanning financial services (Elite Investimentos), food and beverage (Deli Delícia), and other verticals (Fattu do Brasil, Grupo Arpoador, Green Life). The company claims thousands of employees served monthly and R$23.5 million in cumulative client savings generated in 2020. There is no disclosed funding history, no institutional investor involvement, and no public revenue figure.

Name

ETC Soluções em Negócios

Legal name

ETC Soluções em Negócios

Website

https://etcsolucoes.com.br

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

ETC Soluções em Negócios is a Rio de Janeiro-based BPO that administers corporate employee benefits for Brazilian businesses, specializing in vale-transporte management across 700+ operators and 5,000+ municipalities using routing optimization and balance management tools.

Ownership category

akta.pro rank

Product category

Corporate Benefits Administration / Employee Benefits BPO

NAICS

Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYHLAEAAAD

Administrative Services Only (ASO) for Employers

Healthcare & Life Sciences/Health Insurance & Managed Care/Commercial (Employer-Sponsored) Health Insurance

Keywords

• Employee benefits management
• Transportation voucher services
• Corporate benefits BPO
• Meal voucher administration
• Prepaid card solutions

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Benefits Cost Reduction Services: The company earns revenue through a performance-based model where it charges a small percentage of the savings generated for clients. This 'risco zero' (zero risk) model means ETC is compensated only when actual cost reductions are achieved. Services include VT, VA, VR, fuel vouchers, and health plan management.
2. Franchise Fees: Initial franchise fee charged to franchisees for access to brand, business model, training, support, and supplier network. The Home Based model offers low initial investment with quick payback.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

ETC Soluções em Negócios is a BPO company that outsources the full administration of corporate employee benefits for Brazilian businesses. Its core offering is the management of vale-transporte (transportation vouchers) across more than 700 operators and 5,000 municipalities, complemented by meal and food voucher administration (VA/VR), health insurance brokerage, prepaid card solutions, and fuel vouchers. The company differentiates through proprietary routing optimization (Percurso Certo) and balance management (Gestão de Saldos) tools that deliver average savings of 15% and 40% respectively, with a performance-based "zero risk" pricing model.

Product overview

ETC Soluções em Negócios is a BPO (Business Process Outsourcing) company specializing in employee benefits management. The core offering is a unified portfolio of services centered on transportation vouchers (Vale-Transporte), supplemented by complementary benefit solutions including meal/food vouchers (VA/VR), health insurance, prepaid cards, and fuel vouchers. The main products include: BPO de Vale-Transporte (full VT administration), Gestão de Saldos (balance optimization achieving ~40% savings), Percurso Certo (routing optimization for ~15% savings), VA e VR, Plano de Saúde, Cartões Pré-Pagos, Vale Combustível, and BPO de Benefícios. The company operates across 5,000+ municipalities in Brazil through relationships with 700+ transportation voucher operators, and offers a franchise model for national expansion.

Differentiator

Problem solved

Functional benefit

Brands

• BPO de Vale-Transporte: Full-service transportation voucher management including purchase, administration, and problem resolution with operators across Brazil.
• Percurso Certo
• BPO de Benefícios
• Gestão de Saldos

Products and services

• BPO de Vale-Transporte Full-service outsourcing for transportation voucher management, handling purchases across 700+ operators nationwide, resolving operator issues, and providing dedicated specialists for all VT-related demands. Aimed at HR departments and business owners in Brazil.
• Gestão de Saldos Balance management service that identifies accumulated transportation voucher credits on employee cards and applies them toward new purchases, generating approximately 40% savings on monthly VT expenses. Aimed at HR departments and business owners.
• Percurso Certo (Roteirização) Routing optimization tool that analyzes employee commute routes to recommend more efficient and lower-cost transportation options, achieving an average of 15% cost reduction. Covers over 5,000 municipalities in Brazil. Aimed at HR departments and business owners.
• VA e VR Meal and food voucher benefits management service providing flexible card options with fast credit loading, online ordering capabilities, and compliance with PAT (Programa de Alimentação do Trabalhador) regulations. Aimed at HR departments in Brazil.
• Plano de Saúde Health insurance brokerage service offering competitive rates on employee health plans, aiming to improve workforce wellness, productivity, and retention. Aimed at HR departments and business owners.
• Cartões Pré-Pagos Prepaid card solutions for expense management, travel control, salary advances, employee incentives, gift cards, and flexible withdrawal or bill payment options. Aimed at HR departments and business owners in Brazil.
• Vale Combustível Fuel voucher service providing employees with access to an extensive network of affiliated gas stations nationwide, offering spending control and cost reduction for companies. Aimed at HR departments and business owners in Brazil.
• BPO de Benefícios Comprehensive benefits administration outsourcing covering card purchases, new card requests, VT/VA/VR/VC problem resolution, cancellations, and credit purchasing across all benefit types. Aimed at HR departments of Brazilian companies.
• Sistema de Franquia (Home Based) Franchise system offering Home Based entrepreneurship opportunities with training, support, complete manuals, and periodic visits for franchisees to expand the ETC brand nationally in Brazil.

Quantifiable outcome

• 40% average reduction in monthly VT purchase costs through balance management
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Alelo: Major Brazilian corporate benefits card issuer offering meal, transportation, and other employee benefits via card and BPO-like services; directly overlaps ETC's core offerings in VT/VA/VR management.
• VR Benefícios: Large Brazilian meal and transportation voucher issuer serving corporate benefits programs; competes directly with ETC's VA/VR and VT service lines across the same HR-buyer segment.
• Ticket Log: Edenred subsidiary operating transportation and fuel management cards in Brazil, providing corporate VT and mobility solutions comparable to ETC's VT BPO and vale-combustível offerings.
• iFood Benefícios: Meal and food benefits arm of iFood in Brazil, providing corporate food/meal cards with BPO services; comparable customer base of HR/finance teams and similar benefits portfolio.
• Flash: Brazilian employee financial-benefits and salary-on-demand platform offering flexible benefits cards and payouts; overlaps with ETC's prepaid cards and outsourced benefits administration.
• Caju: Brazilian flexible-benefits platform delivering meal, transportation, and culture/benefits credits to employees via cards; comparable target customers, products, and BPO-style service model.

Broad incumbents

• Edenred: Global leader in prepaid corporate services and benefits, parent of Ticket Log in Brazil; competes broadly across meal, transportation, fuel, and corporate payment use cases.
• Pluxee (Sodexo spin-off): Global benefits and engagement solutions provider spun off from Sodexo, with significant Brazilian operations offering meal, gift, and mobility benefits; broader portfolio but overlapping customers.
• Sodexo Brasil: Brazilian arm of global Sodexo, offering food, facilities, and benefits services including meal and transportation vouchers; comparable customers with broader services mix.

Others

• Zé Delivery de Benefícios: Brazilian delivery and benefits ecosystem (Zé) adjacent to meal benefits; not a direct competitor but provides ecosystem visibility and corporate meal/benefit distribution in overlapping customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/etcsolucoes
• LinkedInlinkedin.com/company/etcsolucoes
• Instagraminstagram.com/etcsolucoes

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 ETC Soluções em Negócios