Retail Payment Ecosystem
RPE is a Brazilian fintech founded in 2005 that provides a modular end-to-end platform for retail credit operations, card issuance, payment processing, KYC, analytics, and accounting. It serves 70+ major Brazilian retailers, processes R$20B+ annually, and earns revenue through transaction fees, SaaS subscriptions, and retail media.
- Company typePrivate
- Founded2005
- HeadquartersJoão Pessoa, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Retail Payment Ecosystem does
Retail Payment Ecosystem (RPE) is a Brazilian financial technology company founded in 2005 and headquartered in João Pessoa, Paraíba, that provides an end-to-end modular platform for retail credit operations, card issuance, payment processing, and financial service integration. The company serves 70+ major Brazilian retailers — including Americanas, PagueMenos, Tenda Atacado, Grupo Pereira, Guanabara, Zaffari, Super Muffato, Frigelar, Condor, DROGAL, and Savegnago — plus credit administrators and financial institutions, processing R$20 billion+ annually across 250 million+ financial transactions and 8 million+ active monthly accounts.
RPE's technology stack is organized into six business units: RPE Processamento (card processing, CDC, BNPL, and private label card issuance); RPE Conecta (retail media, Super APP, self-service totem, and multichannel customer communication across WhatsApp, email, SMS, and push); RPE Valida (digital onboarding, KYC/KYB, fraud prevention, and a no-code credit decision engine); RPE Analisa (BI SaaS, predictive scoring, and data integration); RPE Integra (API orchestration and cloud infrastructure connecting banks, fintechs, processors, and ERPs); and RPE Contabiliza (the Izatta platform for automated accounting and regulatory compliance). The platform supports 40,000+ integrations and monthly routines, evaluates 300,000+ credit limits monthly, and analyzes 2 million+ customer behaviors monthly using predictive models such as Behavior Score, Score de Faturas, and Collection Score. Biometric facial-recognition payments are enabled through a partnership with Payface.
RPE generates revenue through transaction-based fees on card processing and BNPL/CDC flows, recurring SaaS subscriptions to its modular platform units, retail media/advertising revenue, and cross-sell of complementary financial products (insurance, cashback, loyalty). The company employs 350+ professionals and sells exclusively through a direct enterprise field-sales motion targeting large Brazilian retail chains and financial institutions, with consultative selling via "Fale com nossos especialistas" channels. Pricing is not publicly disclosed. The company is privately held, founder-led by CEO Édrei Costa, and has pursued an aggressive inorganic growth strategy in 2025, completing 8 M&A transactions including Klok Tech (insurance market entry) and Elevaty (digital invoicing).
Retail Payment Ecosystem firmographics
Firmographics- Name
- Retail Payment Ecosystem
- Legal name
- RPE
- Website
- https://rpe.tech
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- RPE is a Brazilian fintech founded in 2005 that provides a modular end-to-end platform for retail credit operations, card issuance, payment processing, KYC, analytics, and accounting. It serves 70+ major Brazilian retailers, processes R$20B+ annually, and earns revenue through transaction fees, SaaS subscriptions, and retail media.
- Ownership category
- akta.pro rank
Retail Payment Ecosystem industry classification
Industry- Product category
- Retail Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210), Sales Financing (52222), Sales Financing (522220)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI)
- akta.pro secondary industries
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Where Retail Payment Ecosystem is headquartered
LocationHeadquarters
- HQ city
- João Pessoa
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Retail Payment Ecosystem business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- Card Processing and Transaction Fees: Processing fees from private label cards, CDC, BNPL, and branded cards. Revenue generated per transaction processed through the platform.
- Platform/SaaS Subscriptions: Subscription-based access to modular platform solutions including RPE Processamento, RPE Conecta, RPE Valida, RPE Analisa, RPE Integra, and RPE Contabiliza.
- Retail Media: Revenue from transforming digital channels into media showcases for partners and brands, creating new advertising revenue streams.
- Complementary Financial Products: Revenue from cross-sell products including insurance, annities with cashback, and loyalty programs through integrated platform.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
Retail Payment Ecosystem product offering
Product offeringCore offering
Retail Payment Ecosystem (RPE) operates a modular SaaS platform with six integrated business units that deliver end-to-end credit and payment operations for large Brazilian retailers. Its offerings span private label card issuance, BNPL and CDC credit processing, digital onboarding and KYC validation, predictive credit risk analytics, omnichannel customer communication (including a Super APP and self-service totems), accounting and regulatory automation (Izatta platform), and native API integration with banks, fintechs, ERPs, and payment processors. The platform processes R$20 billion+ annually across 70+ major retail chains and is licensed/subscribed to on a per-business-unit basis.
Product overview
RPE (Retail Payment Ecosystem) is a modular ecosystem platform with six integrated business units providing end-to-end solutions for retail credit operations. The core RPE Processamento handles private-label card processing, CDC, BNPL, and branded cards. RPE Conecta provides retail media and multichannel communication (Super APP, totem, customer portal, WhatsApp/SMS/email/push). RPE Analisa delivers data and analytics (Business Intelligence, predictive scoring, risk management, data integration). RPE Valida offers digital onboarding, KYC/KYB, fraud prevention, and no-code credit engine. RPE Integra enables native API integration with banks, fintechs, ERPs, and payment processors. RPE Contabiliza provides accounting, regulatory, and FIDC management via the Izatta platform. The platform serves 70+ major retailers, processes R$20 billion annually, handles 8+ million active accounts monthly, and processes 250+ million financial transactions annually.
Differentiator
Problem solved
Functional benefit
Products and services
- RPE Processamento Core processing unit specializing in private label card issuance, CDC (Crédito Direto ao Consumidor), BNPL (Buy Now Pay Later), branded cards, carnê/installment credit, and payroll-deduction convenio cards. Provides physical and virtual card customization, gateway connectivity, transaction capture across channels, payment links, reconciliation, and revenue actions for large Brazilian retailers.
- RPE Conecta Retail media and multichannel communication unit offering a Super APP (mobile platform with e-commerce, card management, loyalty, cashback, push notifications), self-service totems for invoice payment and digital onboarding, customer portal, multichannel communication orchestration across WhatsApp, email, SMS, and push, invoice processing and digital invoice analytics.
- RPE Valida Digital onboarding and identity validation unit with AI-based document verification, KYC identity verification, KYB business verification, automated analysis desk, customer reassessment, financial products activation, and a no-code credit decision engine with one-click deployment and rule-based decision flows.
- RPE Analisa
Quantifiable outcome
- R$20B+ processed annually in ecosystem
- +5 more outcomes
Companies that use Retail Payment Ecosystem
Customer profileNamed customers15 records
Segments3 records
Ideal customer profiles2 records
Retail Payment Ecosystem technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature5 records
Retail Payment Ecosystem partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- PayfacecoreStrategic partnership to offer facial recognition payment technology to Brazilian retail. RPE closed partnership with Payface to integrate biometric payment solution into the RPE payment ecosystem, enabling face-based authentication for retail transactions.
- LinxcoreTechnology partnership for retail software integration. Linx provides point-of-sale and retail management systems integrated with RPE payment ecosystem.
- VTEXcoreE-commerce platform partnership for digital retail integration. VTEX commerce platform integrated with RPE payment and credit solutions.
- TotvscoreERP integration partnership enabling connection between Totvs enterprise systems and RPE credit/payment ecosystem.
- UnicocoreDigital identity partnership for KYC and onboarding solutions integrated into RPE validation platform.
- AWScoreCloud infrastructure partnership using Amazon Web Services for cloud storage and platform operations.
- ID TrustcoreDigital identity and authentication technology partner for identity verification solutions.
- FiservcorePayment technology and processing partnership for payment infrastructure integration.
- MinucoreFinancial services technology partner integrated into RPE ecosystem.
- AuttarcorePayment technology partnership for retail payment solutions.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Retail Payment Ecosystem competitors and assessment
Company assessmentEmerging players
- Galileo Financial Technologies: Payment processing and card issuing platform owned by SoFi. Comparable to RPE's processor-agnostic infrastructure, embedded card issuing, and payment orchestration capabilities, though Galileo operates globally while RPE focuses on Brazilian retail credit.
- Marqeta: US-based card issuing and payment processing platform with API-first architecture. Comparable to RPE Processamento's card issuing and processing capabilities and no-code credit engine, though Marqeta operates globally while RPE is Brazil-focused.
- Dock: Brazilian fintech infrastructure company providing card issuing, processing-as-a-service, and payment platform technology. Comparable to RPE's embedded payment infrastructure and card issuing capabilities, with overlap in private label and BaaS offerings.
- Pismo: Brazilian payment orchestration and core banking platform acquired by Visa. Comparable to RPE Integra's payment orchestration and API-first infrastructure capabilities, though Pismo focuses on cloud-native banking infrastructure while RPE serves retail credit operations.
Direct peers
- PagSeguro: Brazilian payment processor and digital commerce platform offering acquiring, point-of-sale, and credit solutions. Comparable to RPE in payment processing and merchant credit services, though PagSeguro focuses more broadly across SMBs while RPE targets large retailers.
- Stone Co. Brazilian fintech providing payment processing, banking-as-a-service, and credit solutions to SMBs and retailers. Directly comparable to RPE in payment processing and credit operations within the Brazilian market, though RPE focuses more on large enterprise retailers while Stone spans broader segments.
- SafraPay: Brazilian payment processor owned by Banco Safra. Comparable in payment processing and credit solutions for retail and commercial segments, operating with similar bank-partnership model and Brazilian market focus.
Broad incumbents
- Cielo: Brazil's largest card acquirer and payment processor with broad merchant services. Comparable to RPE in payment processing infrastructure and merchant relationships, though Cielo operates as an incumbent bank-controlled acquirer with much broader SMB and enterprise coverage.
- Rede (Itaú): Major Brazilian payment processor owned by Itaú Unibanco. Directly comparable in card acquiring and payment processing capabilities, though Rede benefits from bank parentage and broader merchant access while RPE focuses on private label and retailer credit autonomy.
- Getnet (Santander): Brazilian payment processor and merchant acquirer owned by Santander. Comparable in payment processing infrastructure, though Getnet's bank backing enables broader SMB reach while RPE differentiates through retailer-specific credit autonomy solutions.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Retail Payment Ecosystem social profiles
Digital presenceRetail Payment Ecosystem compliance and trust
Trust signalCompliance1 record
Retail Payment Ecosystem financial estimates
Financial estimateRevenue estimate
Valuation estimate
Retail Payment Ecosystem leadership team
Management profileNumber of profiles
Profiles11 records
Retail Payment Ecosystem subsidiaries and ownership
Company hierarchySubsidiaries2 records
Retail Payment Ecosystem funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Retail Payment Ecosystem M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Retail Payment Ecosystem
What does Retail Payment Ecosystem do?
Retail Payment Ecosystem (RPE) operates a modular SaaS platform with six integrated business units that deliver end-to-end credit and payment operations for large Brazilian retailers. Its offerings span private label card issuance, BNPL and CDC credit processing, digital onboarding and KYC validation, predictive credit risk analytics, omnichannel customer communication (including a Super APP and self-service totems), accounting and regulatory automation (Izatta platform), and native API integration with banks, fintechs, ERPs, and payment processors. The platform processes R$20 billion+ annually across 70+ major retail chains and is licensed/subscribed to on a per-business-unit basis.
Is Retail Payment Ecosystem a public or private company?
Retail Payment Ecosystem is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Retail Payment Ecosystem founded?
Retail Payment Ecosystem was founded in 2005. It employs 51 to 100 people.
Where is Retail Payment Ecosystem based?
Retail Payment Ecosystem is headquartered in João Pessoa, Brazil, in the Latin America region.
How does Retail Payment Ecosystem make money?
Four revenue lines are on record. Card Processing and Transaction Fees are the primary driver. The others are platform/SaaS Subscriptions, retail Media and complementary Financial Products.
Who are Retail Payment Ecosystem's main competitors?
Emerging players on record are Galileo Financial Technologies, Marqeta, Dock and Pismo. Direct peers are PagSeguro, Stone Co. and SafraPay. Broad incumbents are Cielo, Rede (Itaú) and Getnet (Santander).
Does Retail Payment Ecosystem have an API?
No public API is recorded for Retail Payment Ecosystem.
What industry is Retail Payment Ecosystem in?
Retail Payment Ecosystem's product category is Retail Payment Processing Software. Its primary akta.pro industry code is FSAMABAI, Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service), with a secondary code of FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management). Its NAICS code is 522320 and its SIC code is 6199.