Innova Capture
Innova Capture is a Brazilian payment-solutions company founded in 2011 and headquartered in São Paulo that provides cloud-based TEF, multi-acquirer integration, sales reconciliation, and receivables services to merchants of all sizes across all economic segments in Brazil.
- Company typePrivate
- Founded2011
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Innova Capture does
Innova Capture is a privately held Brazilian payment-solutions company founded in 2011 and headquartered in São Paulo, serving commercial establishments of all sizes across all economic segments with a stack of cloud-based TEF (electronic funds transfer) capture, multi-acquirer integration, sales reconciliation, and receivables services. The technical core is Fast TEF, a PCI-certified, cloud-hosted TEF integrating credit, debit, digital wallet, and PIX payments with ERP/POS automation through ~2-4 second transactions and support for over 270 card brands; this sits on top of VHub, a unified connection platform co-developed with IT4R that abstracts integrations between commercial automation software, POS peripherals, payment TEFs, and fiscal-document issuance (NFC-e/NF-e). The portfolio further includes the Conciliador De Vendas (automated reconciliation against major acquirers), Plataforma de Pagamentos (omnichannel processing across POS, mobile POS, e-commerce, links, QR codes, and 3DS-protected transactions), Mobilidade & Projetos ('Papa-fila' mobile checkout), and three financial extensions — Recuperação de Recebíveis (up-to-10-year retroactive audit on a success-fee basis), Garantia de Crédito (B2B credit guarantee using card receivables as collateral), and Antecipação dos Recebíveis (early settlement) — all supported by an in-house post-sale technical-support operation.
The business model is transaction-fee based and quote-driven (rates not publicly disclosed): revenue is generated per payment capture, via success-based percentages on receivables recoveries, through guarantee fees on B2B credit transactions, and from spreads on receivable anticipation. Distribution is sales-led, carried by a specialized team distributed throughout Brazilian territory plus channel partnerships with major Brazilian acquirers (Cielo, Rede, GetNet, Safra, Stone, BIN) and TEF houses (Fiserv/SiTef, C6/PayGo, Linx/D-TEF, SafraPay, Scope). Customer segmentation spans all retail segments, with explicit positioning around state-level fiscal-compliance mandates in Mato Grosso (Portaria 262/2023), Goiás (Instrução Normativa 1608/25, effective November 1, 2025), and Ceará (Instrução Normativa SEFAZ 87/2025 / Decreto 36.633/2025). The company is founder/management-owned under Managing Partner Vagner de Moraes, with no disclosed institutional investors, subsidiaries, or M&A activity.
Innova Capture firmographics
Firmographics- Name
- Innova Capture
- Legal name
- Innova Capture
- Website
- https://innovacapture.com.br
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Innova Capture is a Brazilian payment-solutions company founded in 2011 and headquartered in São Paulo that provides cloud-based TEF, multi-acquirer integration, sales reconciliation, and receivables services to merchants of all sizes across all economic segments in Brazil.
- Ownership category
- akta.pro rank
Innova Capture industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industry
- Payment Processing & Acquiring Infrastructure (FSAGABAC)
Keywords
Where Innova Capture is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Innova Capture business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Payment Capture Services: Revenue from providing TEF capture solutions, payment processing integration, and cloud hosting services for merchants. Charges include transaction fees, rental of capture technology, and service fees for payment processing through partnered acquirers.
- Receivables Recovery Commission: Success-based fee model where services are charged only upon successful recovery of disputed amounts from acquirers. Percentage fee applied to total amount recovered.
- Credit Guarantee Services: B2B service enabling equipment, service, and technology suppliers to use their customers' card sales as payment security. Revenue generated through guarantee fees.
- Receivables Anticipation: Early liquidation of credit card sales, enabling merchants to receive funds before standard settlement periods. Revenue from competitive anticipation rates.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Innova Capture product offering
Product offeringCore offering
Innova Capture provides cloud-based payment capture and integration solutions for Brazilian merchants, connecting commercial automation systems (ERP/POS) with multiple acquirers, payment methods (credit/debit cards, digital wallets, PIX), and fiscal services. The VHub platform centralizes integration with retail peripherals and payment systems, while Fast TEF delivers multi-acquirer electronic funds transfer processing in 2-4 seconds. Complementary services include sales reconciliation, receivables recovery (up to 10 years of historical analysis), credit guarantee, and receivables anticipation.
Product overview
Innova Capture is a Brazilian payment solutions company serving merchants of all sizes across all economic segments. The portfolio consists of a unified platform architecture built around Fast TEF (cloud-based TEF/card payment integration) as the core product, supported by the VHub connection platform for simplified integrations. Complementary modules include Conciliador De Vendas (sales reconciliation), Plataforma de Pagamentos (multi-channel payment platform), Mobilidade & Projetos (mobile payment solutions), and financial services (Receivable Recovery, Credit Guarantee, and Receivable Anticipation). Fast TEF connects hardware, payment methods, and fiscal systems to commercial automation systems; Conciliador De Vendas reconciles transactions with acquirers; VHub serves as the integration middleware layer; and the Plataformas de Pagamentos provides omnichannel payment processing. Together these products automate sales reconciliation, streamline complex integrations, and provide visibility into card transactions.
Differentiator
Problem solved
Functional benefit
Brands
- VHub: A connection platform developed to centralize and simplify the integration of multiple components to commercial automation software. VHub abstracts the complexity of integrations with retail equipment, TEF payment methods, and fiscal note issuance services, allowing systems to use these resources in a standardized, secure, and efficient manner.
- Fast TEF
- Conciliador De Vendas
Products and services
- Fast TEF Cloud-based TEF (Transferência Eletrônica de Fundos) solution enabling electronic funds transfer integration for card payments (credit, debit, PIX, digital wallets), integrated with commercial automation systems (ERP/POS). Supports multi-acquirer capture with unified management and approximately 4-second transaction time. PCI-certified with international homologation.
- Plataforma VHub Unified connection platform that centralizes and connects commercial automation software to multiple PDV peripherals, payment methods (TEF and PIX), and fiscal services. Reduces integration complexity and development time by providing standardized APIs for equipment communication, fiscal emission, and payment processing.
- Plataforma de Pagamentos Complete multi-channel payment platform supporting omnichannel transactions across POS, mobile POS, totem, online checkout, payment links, PIX, digital wallets, installment purchases, split payments, QR codes, and comprehensive fraud prevention with tokenization and 3DS authentication.
- Conciliador De Vendas Sales reconciliation solution integrated with major Brazilian acquirers that automatically verifies sales, discount rates, and settlements (Sales x Liquidations x Bank deposits). Provides dashboard for monitoring confirmations, cancellations, chargebacks, and rate divergences.
- Mobilidade & Projetos Mobile payment solutions featuring 'Papa-fila' (queue buster) functionality enabling mobile checkout that brings the cash register to the customer. Supports mono and multi-acquirer Smart POS terminals with technical assistance for partner homologation with industry entities.
- Redução dos Custos das Vendas Cost reduction service providing competitive discount rates for card sales and paid PIX through partnerships with major Brazilian acquirers. Includes rental solutions for capture technologies and integrated payment automation.
- Recuperação de Recebíveis Retroactive audit service analyzing up to 10 years of financial movements from acquirers (Cielo, Rede, Getnet) to identify discount rate, date, and liquidated value divergences. Includes legal, financial, and technology advisory with success-based billing.
- Garantia de Crédito B2B credit guarantee solution allowing equipment, service, and technology suppliers to use their customers' card sales as payment guarantee. Uses settled sales from major acquirers as collateral for credit approval.
- Antecipação dos Recebíveis Receivable anticipation service enabling early settlement of credit card sales. Viabilizes anticipation regardless of the acquirer capturing and settling sales, with competitive rates.
Quantifiable outcome
- Transaction speed of 2-4 seconds per payment
- +3 more outcomes
Companies that use Innova Capture
Customer profileSegments4 records
Ideal customer profiles4 records
Innova Capture technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Feature4 records
Innova Capture partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and major.
- CielocorePrimary acquiring partner for payment capture and settlement. Analysis of historical Cielo transactions included in receivables recovery service covering up to 10 years of rate, date, and value discrepancies.
- RedecoreMajor acquiring partner for multi-acquirer payment capture solutions. Historical transaction analysis available through receivables recovery services.
- GetNetcorePrimary acquiring partner integrated with Fast TEF and included in 10-year historical receivables recovery analysis.
- Fiserv (SiTef)coreTEF provider integrated with Fast TEF solution for payment transaction processing. PCI-certified communication protocol and software.
- C6 Bank (PayGo)majorTEF provider (PayGo) integrated with Fast TEF for payment capture and processing services.
- Linx (D-TEF)majorTEF provider (D-TEF) integrated with Fast TEF solution for payment transaction processing.
- Safra Bank (SafraPay)majorTEF provider (SafraPay) integrated with VHub platform and Fast TEF for payment processing.
- IT4RcoreCo-development partner for VHub platform - unified connection platform for commercial automation integration with POS equipment, payment systems, and fiscal services. Joint development of standardized integration libraries and services.
- Scope (Conexão Tech)majorTEF provider integrated with VHub platform for payment transaction processing.
- StonecoreMajor acquiring company partner offering payment capture and settlement services.
- BINmajorAcquiring company partner integrated for multi-acquirer payment capture solutions.
- Banco SaframajorBanking partner for SafraPay TEF solutions and payment processing services.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Innova Capture competitors and assessment
Company assessmentDirect peers
- Zoop: Brazilian payment orchestration platform offering multi-acquirer routing, split payments, and integrated APIs for marketplaces and platforms — directly comparable to VHub and Innova's orquestração layer.
- PagBank/PagSeguro: Brazilian PSP/acquirer offering integrated POS, payment links, and online checkout. Overlaps with Innova's Plataforma de Pagamentos and multi-channel payment capture solutions.
- Stone: Brazilian acquirer and integrated payments fintech offering POS hardware, TEF integrations, and multi-acquirer-adjacent services. Directly competes with Innova's payment capture and acquirer-representation model, though at much larger scale.
- SafraPay (Banco Safra): Payment platform from Banco Safra offering TEF and acquiring services. Comparable to one of Innova's integrated provider partners and competes for the same multi-acquirer routing workload.
Broad incumbents
- TOTVS: Brazil's largest ERP vendor, increasingly offering integrated payment solutions and TEF/router capabilities. Competes with VHub by absorbing payment integration natively into its own ERP stack.
- Linx: Brazilian ERP/POS software vendor that also offers integrated payment processing (including D-TEF). Competes with Innova on POS-to-payment integration and is also a TEF integration partner.
- Rede (Itaú): Major Brazilian acquirer owned by Itaú Unibanco. Competes in payment capture and TEF services and is one of Innova's core integration partners.
- Cielo: Brazil's largest acquirer and a core partner of Innova Capture. Competes with Innova at the integration level via Cielo's own POS, TEF, and ERP integration offerings, while also being a channel partner Innova resells.
- GetNet (Santander): Brazilian acquirer owned by Santander. Serves as both a partner and a competitor in payment capture and TEF services, with similar multi-acquirer-adjacent offerings.
Others
- Fiserv (SiTef): Provider of SiTef, a dominant TEF backend in Brazil and a core integration partner of Innova. Indirectly comparable as underlying payment infrastructure; could also be a competitor if it expands front-end offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Innova Capture social profiles
Digital presenceInnova Capture financial estimates
Financial estimateRevenue estimate
Valuation estimate
Innova Capture leadership team
Management profileNumber of profiles
Profiles1 record
Innova Capture funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Innova Capture 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 Innova Capture
What does Innova Capture do?
Innova Capture provides cloud-based payment capture and integration solutions for Brazilian merchants, connecting commercial automation systems (ERP/POS) with multiple acquirers, payment methods (credit/debit cards, digital wallets, PIX), and fiscal services. The VHub platform centralizes integration with retail peripherals and payment systems, while Fast TEF delivers multi-acquirer electronic funds transfer processing in 2-4 seconds. Complementary services include sales reconciliation, receivables recovery (up to 10 years of historical analysis), credit guarantee, and receivables anticipation.
Is Innova Capture a public or private company?
Innova Capture is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Innova Capture founded?
Innova Capture was founded in 2011. It employs 1 to 10 people.
Where is Innova Capture based?
Innova Capture is headquartered in São Paulo, Brazil, in the Latin America region.
How does Innova Capture make money?
Four revenue lines are on record. Payment Capture Services are the primary driver. The others are receivables Recovery Commission, credit Guarantee Services and receivables Anticipation.
Who are Innova Capture's main competitors?
Direct peers on record are Zoop, PagBank/PagSeguro, Stone and SafraPay (Banco Safra). Broad incumbents are TOTVS, Linx, Rede (Itaú), Cielo and GetNet (Santander). Fiserv (SiTef) is listed as an others.
Does Innova Capture have an API?
No public API is recorded for Innova Capture.
What industry is Innova Capture in?
Innova Capture's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAGABAC, Payment Processing & Acquiring Infrastructure. Its NAICS code is 52232 and its SIC code is 7372.