Retail Payment Ecosystem

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).

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

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

• Retail payment processing
• Private label card issuing
• Credit risk analytics
• Embedded credit platform
• BNPL and CDC solutions

Headquarters

HQ city

João Pessoa

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Card Processing and Transaction Fees: Processing fees from private label cards, CDC, BNPL, and branded cards. Revenue generated per transaction processed through the platform.
2. Platform/SaaS Subscriptions: Subscription-based access to modular platform solutions including RPE Processamento, RPE Conecta, RPE Valida, RPE Analisa, RPE Integra, and RPE Contabiliza.
3. Retail Media: Revenue from transforming digital channels into media showcases for partners and brands, creating new advertising revenue streams.
4. 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

Core 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

Named customers15 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core.

• PayfacecoreTechnology or IntegrationStrategic 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 or IntegrationTechnology partnership for retail software integration. Linx provides point-of-sale and retail management systems integrated with RPE payment ecosystem.
• VTEXcoreTechnology or IntegrationE-commerce platform partnership for digital retail integration. VTEX commerce platform integrated with RPE payment and credit solutions.
• TotvscoreTechnology or IntegrationERP integration partnership enabling connection between Totvs enterprise systems and RPE credit/payment ecosystem.
• UnicocoreTechnology or IntegrationDigital identity partnership for KYC and onboarding solutions integrated into RPE validation platform.
• AWScoreTechnology or IntegrationCloud infrastructure partnership using Amazon Web Services for cloud storage and platform operations.
• ID TrustcoreTechnology or IntegrationDigital identity and authentication technology partner for identity verification solutions.
• FiservcoreTechnology or IntegrationPayment technology and processing partnership for payment infrastructure integration.
• MinucoreTechnology or IntegrationFinancial services technology partner integrated into RPE ecosystem.
• AuttarcoreTechnology or IntegrationPayment technology partnership for retail payment solutions.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Emerging 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

• YouTubeyoutube.com/@RPE-tech
• LinkedInlinkedin.com/company/rpe-retail-payment-ecosystem
• Instagraminstagram.com/rpe.tech

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Retail Payment Ecosystem