Pay Easy
Pay Easy is a Brazilian fintech founded in 2021 that provides a cross-border payment processing API supporting 200+ local payment methods across 35+ countries, serving e-commerce merchants, PSPs, gaming operators, and small Brazilian retailers via smartphone-based PIX POS.
- Company typePrivate
- Founded2021
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Pay Easy does
Pay Easy is a Brazilian fintech founded in 2021 that operates a cross-border payment processing platform headquartered on Avenida Paulista in São Paulo. The company provides a single API integration granting merchants access to over 200 local payment methods across 35+ countries spanning South America (8 countries), Asia (13), Central America (6), and Africa (13). Its three product lines are: (1) a Cross-Border Payments API supporting fiat (BRL, USD, local currencies) and cryptocurrencies with 1-business-day settlement, (2) E-Commerce Plugins for WooCommerce, OpenCart, Magento, and PrestaShop offering 24-hour instant settlement and PCI-compliant processing, and (3) Smart POS PIX, a smartphone-based point-of-sale app on iOS and Android that enables Brazilian micro-merchants to accept PIX payments without hardware. The platform is PCI DSS compliant and supports local payment methods including PIX, Boleto, bank transfers, and regional e-wallets.
Pay Easy targets six customer segments — e-commerce merchants, cryptocurrency businesses, gaming and gambling operators, forex trading platforms, payment service providers, and small retail/service businesses — with revenue generated exclusively through transaction fees. Pricing is tiered at 1.19% for monthly volumes up to R$100,000, 1.09% for R$100,001-R$200,000, and 0.99% above R$200,001, with a $0.50 minimum per transaction and R$2 minimum settlement. Distribution combines direct enterprise API sales, self-serve mobile apps on Google Play and Apple App Store, e-commerce plugin marketplaces, and PSP/reseller channels. The company actively markets at 14+ global industry events (SiGMA, ICE, iFX, PAY 360, SBS Summit) and maintains membership in the Payments Association directory and Ab FinTech. The business operates with 1-10 employees led by Managing Partner Obner Knoener Mozarino, with no disclosed venture capital, institutional investors, or parent company.
Pay Easy firmographics
Firmographics- Name
- Pay Easy
- Legal name
- MERCADO EASY SOLUÇÕES E TECNOLOGIA LTDA
- Website
- https://payeasy.tech
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pay Easy is a Brazilian fintech founded in 2021 that provides a cross-border payment processing API supporting 200+ local payment methods across 35+ countries, serving e-commerce merchants, PSPs, gaming operators, and small Brazilian retailers via smartphone-based PIX POS.
- Ownership category
- akta.pro rank
Pay Easy industry classification
Industry- Product category
- Cross-Border Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Cross-border Payments & FX for E-commerce (CRAFALAF), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Crypto Payment Gateways & Checkout APIs (FSADAIAA), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where Pay Easy is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Pay Easy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Infrastructure, Marketing or Sales, Personnel
Revenue model
- Transaction Fees (E-Commerce Plugins): Tiered transaction fee model based on monthly processing volume in Brazilian Real (BRL). Merchants pay a percentage per transaction: 1.19% for volume up to R$100,000, 1.09% for R$100,001-200,000, and 0.99% for R$200,001 and above. Includes minimum fee of $0.50 per transaction and minimum settlement of R$2 BRL.
- Smart POS PIX Transaction Fees: Transaction-based revenue from PIX payments processed through the Smart POS smartphone app. Tiered pricing structure with rates starting as low as 0.99% for high-volume merchants. No hardware costs or POS rental fees charged to merchants.
- Cross-Border Payment Intermediation: Facilitates cross-border transactions between merchants and global customers using local payment methods. Revenue generated through transaction fees on cross-border payments, currency conversion margins, and settlement fees. Offers expedited payouts with settlements as fast as 1 business day.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Tier 1: 0-100,000 R$ at 1.19% per transaction |
| Transaction based/ take rate | Pay-as-you-go | Tier 2: 100,001-200,000 R$ at 1.09% per transaction |
| Transaction based/ take rate | Pay-as-you-go | Tier 3: 200,001 R$ and above at 0.99% per transaction |
| Transaction based/ take rate | Pay-as-you-go | Smart POS PIX: Tier 1 (0-100,000 R$) at 1.19% |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Pay Easy product offering
Product offeringCore offering
Pay Easy is a cross-border payments platform that processes merchant transactions through a single API connecting to over 200 local payment methods across 35+ countries. The platform supports both fiat and cryptocurrency settlements, instant payouts, and localized checkout experiences for e-commerce merchants, crypto businesses, gaming operators, forex platforms, PSPs, and small retailers in Latin America, Asia, Central America, and Africa.
Product overview
Pay Easy is a cross-border payments platform that provides a unified solution portfolio consisting of three main products: Cross-Border Payments (core product enabling global payment acceptance via single API), E-Commerce Plugins (automated settlement plugins for WooCommerce, OpenCart, Magento, and PrestaShop stores), and PIX Smart POS (smartphone-based point-of-sale for instant PIX payments). The platform supports over 200 local payment options, 100+ alternative payment methods, and coverage across 40+ countries in South America, Central America, Asia, and Africa.
Differentiator
Problem solved
Functional benefit
Brands
- Smart POS PIX: A smartphone-based POS solution for PIX payments with instant settlement, no hardware needed, and zero fees.
- E-Commerce Plugins
Products and services
- Cross-Border Payments
Quantifiable outcome
- Fraud reduction up to 100% with Smart POS PIX through PIN-free PIX payment architecture
- +3 more outcomes
Companies that use Pay Easy
Customer profileSegments6 records
Ideal customer profiles4 records
Pay Easy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature7 records
Pay Easy partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Payments Association (PA)minorPay Easy is listed in the Payments Association directory, indicating membership in a payments industry body that provides networking, standards, and advocacy resources. Listed at thepaymentsassociation.org/directory/pay-easy/.
- Ab FinTechminorPay Easy displays the Ab FinTech logo on its website footer, indicating membership or partnership with this fintech industry association. Ab FinTech is a fintech association that promotes innovation and collaboration in the payments ecosystem.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Pay Easy competitors and assessment
Company assessmentDirect peers
- EBANX: EBANX is a Brazilian-founded cross-border payments specialist covering 17+ LatAm and African countries with local payment methods and merchant acquiring — overlaps almost one-for-one with Pay Easy's cross-border APM aggregator model and LatAm-first stance.
- PayRetailers: PayRetailers is a cross-border payment processor focused on LatAm and emerging markets, offering local payment methods and acquiring — closely comparable niche overlap with Pay Easy across APM coverage, target merchants, and emerging-market focus.
- dLocal: dLocal is the leading emerging-markets cross-border payment platform focused on LatAm, Africa, and Asia — directly comparable to Pay Easy's single-API / 200+ APM / 35+ country positioning, with similar focus on local rails (PIX, Boleto, OXXO) and emerging-market merchants.
Regional players
- Cielo: Cielo is Brazil's largest card acquirer and is now extending into PIX-based POS and online acquiring — comparable to Pay Easy's Smart POS and e-commerce plugin offerings in Brazil, though historically dominated by traditional card-based acquiring rather than pure cross-border API.
- PagBank PagSeguro: PagSeguro operates one of Brazil's largest domestic payment gateways and acquiring businesses, including PIX support and POS terminals — directly comparable to Pay Easy's Smart POS and e-commerce plugin offerings, though primarily focused on the Brazilian domestic market rather than cross-border.
Broad incumbents
- Mercado Pago: Mercado Pago is the dominant LatAm payments platform inside the Mercado Libre ecosystem, supporting online checkout, POS, and QR — comparable in product breadth to Pay Easy but operating at vastly larger scale with embedded distribution via the marketplace.
- Adyen: Adyen is a global unified commerce payments platform offering single-API access to local payment methods worldwide — competes head-on with Pay Easy for enterprise cross-border merchants seeking single-integration multi-market coverage.
- Stripe: Stripe is a global payment platform with single-API merchant onboarding and an expanding emerging-market APM suite — addresses the same developer-first / cross-border / API integration use case as Pay Easy, but at a global scale with deep capital and engineering resources.
- Worldline: Worldline is a European-headquartered global payment processor offering merchant acquiring, gateways, and APM orchestration — comparable broad-omnichannel / cross-border / API footprint to Pay Easy, though operating at very different scale and regional balance.
Emerging players
- Conekta: Conekta is a Mexican payment gateway specializing in local payment methods (OXXO, SPEI, cards) for e-commerce — comparable emerging-market APM aggregator play, focused on Mexico and increasingly LatAm, similar mid-stage independent profile.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Pay Easy social profiles
Digital presencePay Easy compliance and trust
Trust signalCompliance1 record
Pay Easy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay Easy leadership team
Management profileNumber of profiles
Profiles1 record
Pay Easy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay Easy 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 Pay Easy
What does Pay Easy do?
Pay Easy is a cross-border payments platform that processes merchant transactions through a single API connecting to over 200 local payment methods across 35+ countries. The platform supports both fiat and cryptocurrency settlements, instant payouts, and localized checkout experiences for e-commerce merchants, crypto businesses, gaming operators, forex platforms, PSPs, and small retailers in Latin America, Asia, Central America, and Africa.
Is Pay Easy a public or private company?
Pay Easy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pay Easy founded?
Pay Easy was founded in 2021. It employs 1 to 10 people.
Where is Pay Easy based?
Pay Easy is headquartered in São Paulo, Brazil, in the Latin America region.
How does Pay Easy make money?
Three revenue lines are on record. Transaction Fees (E-Commerce Plugins) is the primary driver. The others are smart POS PIX Transaction Fees and cross-Border Payment Intermediation.
Who are Pay Easy's main competitors?
Direct peers on record are EBANX, PayRetailers and dLocal. Regional players are Cielo and PagBank PagSeguro. Broad incumbents are Mercado Pago, Adyen, Stripe and Worldline. Conekta is listed as an emerging player.
Does Pay Easy have an API?
Yes. Pay Easy offers a unified API integration that grants access to multiple markets worldwide, allowing businesses to accept multiple currencies. The API enables integration with over 200 local payment options for pay-ins and supports both pay-ins and pay-outs through a single integration. Developers can access API documentation via Postman. Developer documentation is at documenter.getpostman.com/view/26655959/2s9YR9ZYtG.
What industry is Pay Easy in?
Pay Easy's product category is Cross-Border Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of CRAFALAF, Cross-border Payments & FX for E-commerce. Its NAICS code is 52232 and its SIC code is 6199.