Paytime
Paytime is a Brazilian BaaS provider enabling businesses to launch white-label fintechs via APIs, SDKs, and a no-code platform, processing R$15B+ annually across 1,500+ fintech partners in card, PIX, and boleto payments.
- Company typePrivate
- Founded2018
- HeadquartersVitória, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Paytime does
Paytime is a Brazilian Banking-as-a-Service (BaaS) infrastructure company headquartered in Vitória, founded in 2018, that enables businesses to launch their own fintech products or embed financial services without building payment and compliance infrastructure from scratch. The platform combines payment APIs, digital account issuance, and physical payment acceptance (SmartPOS terminals and Tap on Phone NFC) into a single stack supporting card, PIX, and boleto processing, transaction splitting, KYC, balance and statement management, and webhook-driven event orchestration. Paytime operates two go-to-market models: a full-code API/SDK path aimed at technical partners, and a no-code white-label platform enabling non-technical businesses to deploy a branded fintech within days. Security and risk layers include mTLS for production API access, an IDPAY anti-fraud SDK, and 3DS authentication. As of late 2025, Paytime was acquired by Bemobi Mobile Tech SA (BMOB3), a publicly traded Brazilian mobile technology company, and now operates as a wholly-owned subsidiary positioned as the centerpiece of Bemobi's payment vertical strategy, with a stated distribution into utilities, education, and healthcare alongside its traditional startup and SMB fintech partner base.
Paytime's revenue model is composed of three streams: transaction processing fees on volume routed through the platform, recurring BaaS platform licensing fees paid by partners, and SDK/API integration and licensing revenue. Pricing is custom and transaction-based with no publicly disclosed rate card; partners engage the commercial team for quotes and plans are tailored to volume, payment mix, and additional services. Distribution is exclusively domestic (Brazil) and direct, through enterprise commercial engagement, self-service API/SDK onboarding with documentation and sandbox, and the No-Code platform for SMB and individual buyers. The platform's scale signals include R$15 billion-plus in annual Total Payment Volume processed and 1,500+ fintechs launched or powered, with Q4 2025 TPV growth of 36% year-over-year attributed to the Bemobi integration. Paytime holds no public patents or trademark registrations in the input data, is LGPD-compliant, and maintains headcount in the 11–50 range, with leadership comprising CEO and co-founder Leonardo Moreira Gomes and co-founder Plinio Escopelle Gomes.
Paytime firmographics
Firmographics- Name
- Paytime
- Legal name
- Paytime Fintech 40.073.909/0001-94
- Website
- https://paytime.com.br
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Paytime is a Brazilian BaaS provider enabling businesses to launch white-label fintechs via APIs, SDKs, and a no-code platform, processing R$15B+ annually across 1,500+ fintech partners in card, PIX, and boleto payments.
- Ownership category
- akta.pro rank
Paytime industry classification
Industry- Product category
- Banking-as-a-Service (Payment Infrastructure)
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Paytime is headquartered
LocationHeadquarters
- HQ city
- Vitória
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Paytime 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: Paytime earns fees on each payment transaction processed through its platform, including card transactions, PIX payments, and boleto processing. Fees are calculated based on transaction volume and vary by payment method.
- BaaS Platform Licensing: Partners pay for access to the Banking-as-a-Service infrastructure enabling them to launch white-label fintechs with digital accounts, payment processing, and compliance capabilities.
- SDK/API Integration Services: Revenue generated from SDK licensing and technical integration support for partners building payment solutions on the Paytime platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing based on transaction volume and service requirements |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Paytime product offering
Product offeringCore offering
Paytime is a Brazilian Banking-as-a-Service (BaaS) platform that provides payment and digital banking infrastructure through APIs, SDKs, and a no-code white-label platform. Partners integrate card payments (credit/debit), PIX instant payments, boleto bancário, and digital accounts (with PIX, TED, KYC, compliance) into their products, or launch a fully branded fintech within days without coding. The platform also supports in-person acceptance via white-label SmartPOS terminals and Tap on Phone NFC solutions.
Product overview
Paytime is a Brazilian BaaS (Banking-as-a-Service) and fintech infrastructure platform that enables businesses to launch their own fintech or integrate financial solutions. The platform processes over R$15 billion annually and has enabled the creation of more than 1,500 fintechs. The core offering consists of three product lines: (1) Presencial — white-label SmartPOS terminal and Tap on Phone solutions for in-person payments with split automation, (2) Online — payment gateway with API and link de pagamento supporting card payments up to 18x installments, and (3) Banking — BaaS digital account with PIX, TED, boleto, KYC, compliance, webhooks, and statement management. Two integration models are offered: a full-code API approach for maximum customization and a no-code platform for rapid white-label deployment. The platform supports payments via card (credit/debit), PIX QR code, and bank slip (boleto), with additional security features including IDPAY anti-fraud SDK, 3DS authentication, and webhook event notifications.
Differentiator
Problem solved
Functional benefit
Products and services
- API Platform Core REST API infrastructure enabling developers and partners to integrate payment processing (card, PIX, boleto), transaction splitting, merchant management, and banking operations (balance, statements, transfers) into their products. Designed for businesses and fintechs wanting maximum flexibility and full API customization.
- Conta Digital (Digital Account / BaaS Banking) BaaS digital account infrastructure enabling partners to offer PIX, TED, and boleto services. Includes KYC, compliance, balance tracking, statements, and webhook notifications. Designed for fintechs and businesses wanting to embed digital banking services under their own brand.
- SmartPOS (White-Label POS Terminal) White-label Android point-of-sale terminal solution combining hardware and software in a single device. Supports multiple payment methods including chip, magnetic stripe, contactless cards, and PIX. Designed for partners wanting to offer branded in-person payment acceptance with split automation and SDK integration.
- Tap on Phone Mobile point-of-sale solution that transforms compatible Android smartphones into card acceptance terminals via NFC, enabling contactless payments without additional hardware. Designed for partners offering merchants low-cost in-person payment acceptance on their own branded infrastructure.
- Online Payments (Gateway de Pagamentos + Smart Checkout) Online payment gateway infrastructure supporting credit and debit card transactions with installment plans up to 18x. Includes link de pagamento (payment links), API access, and Smart Checkout SDK for Android and iOS. Designed for partners wanting to offer e-commerce and online payment processing.
- No-Code White-Label Platform No-code platform enabling partners to launch a fully branded, operational fintech within days, including digital accounts, payment processing, and compliance features, without technical integration. Designed for non-technical businesses wanting to launch financial services quickly under their own brand.
Quantifiable outcome
- R$15B+ processed annually
- +2 more outcomes
Companies that use Paytime
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Paytime technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
Paytime partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bemobi Mobile TechcorePaytime was strategically acquired by Bemobi Mobile Tech SA, a Brazilian mobile technology company. The acquisition positions Paytime as a key component of Bemobi's payment vertical expansion strategy, contributing to strong Q4 2025 results with 36% TPV growth. Bemobi's existing market presence in utilities, education, and healthcare payment verticals provides synergies for Paytime's BaaS platform growth.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Paytime competitors and assessment
Company assessmentDirect peers
- Pismo: Pismo (acquired by Mastercard) provides a cloud-native core banking and payments platform with APIs for cards, PIX, boletos, and account management. It is a direct infrastructure peer serving Brazilian and global fintechs.
- Conductor: Conductor provides payment processing, banking-as-a-service, and digital account solutions across Brazil. It serves banks, fintechs, and large retailers, competing with Paytime in payment gateway and BaaS segments.
- Cora: Cora is a Brazilian digital business banking platform offering digital accounts, PIX, boletos, card issuing, and payments APIs to SMBs. It is a direct peer in the embedded-banking and SMB-focused payments space.
- Dock: Dock is one of Brazil's largest BaaS providers, offering payment processing, digital accounts, and card issuing via APIs. It competes directly with Paytime across the same Brazilian embedded-finance customer base and product set.
- Zoop: Zoop is a Brazilian fintech infrastructure platform offering payment processing, split payments, and white-label solutions for marketplaces and fintechs — closely overlapping Paytime's split-transactions and white-label offerings.
Broad incumbents
- Adyen: Adyen is a global payment processor offering unified online, in-person, and platform payment infrastructure. Its platform approach and POS offering overlap with Paytime's full-stack model at the enterprise tier.
- PagSeguro: PagSeguro is an established Brazilian payments incumbent offering acquiring, POS terminals, digital accounts, and payment links. It overlaps with Paytime across POS hardware, gateway, and banking modules but operates at substantially larger scale.
- Cielo: Cielo is Brazil's largest card acquirer, providing POS terminals, payment processing, and increasingly digital and embedded finance solutions. It competes with Paytime in card acceptance and is exploring BaaS-adjacent offerings.
- Stone: Stone Co. is a major Brazilian payments acquirer and banking platform with its own SmartPOS hardware, banking-as-a-service offerings, and software stack. It is a broader incumbent competitor to Paytime's gateway and SmartPOS products.
- Stripe: Stripe is a global payments infrastructure platform with API-first payment processing, increasingly present in Brazil. While broader in scope, it competes with Paytime for online payment gateway and developer-led fintech customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Paytime social profiles
Digital presencePaytime compliance and trust
Trust signalCompliance1 record
Paytime financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paytime leadership team
Management profileNumber of profiles
Profiles2 records
Paytime funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paytime 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 Paytime
What does Paytime do?
Paytime is a Brazilian Banking-as-a-Service (BaaS) platform that provides payment and digital banking infrastructure through APIs, SDKs, and a no-code white-label platform. Partners integrate card payments (credit/debit), PIX instant payments, boleto bancário, and digital accounts (with PIX, TED, KYC, compliance) into their products, or launch a fully branded fintech within days without coding. The platform also supports in-person acceptance via white-label SmartPOS terminals and Tap on Phone NFC solutions.
Is Paytime a public or private company?
Paytime is a private company. It is classified as corporate owned and is currently operating.
When was Paytime founded?
Paytime was founded in 2018. It employs 11 to 50 people.
Where is Paytime based?
Paytime is headquartered in Vitória, Brazil, in the Latin America region.
How does Paytime make money?
Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are baaS Platform Licensing and SDK/API Integration Services.
Who are Paytime's main competitors?
Direct peers on record are Pismo, Conductor, Cora, Dock and Zoop. Broad incumbents are Adyen, PagSeguro, Cielo, Stone and Stripe.
Does Paytime have an API?
Yes. Public REST API enabling developers to build and automate payment processing (card, Pix, boleto), transaction splitting, anti-fraud detection, merchant/establishment management, banking operations (balance, statements, transfers), and webhook notifications. Authentication via integration-key, x-token, and Bearer Token. Sandbox/DEBUG environment available for testing. Supports mTLS certificates for production security. Developer documentation is at docs-parceiro.paytime.com.br.
What industry is Paytime in?
Paytime's product category is Banking-as-a-Service (Payment Infrastructure). Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.