E+ Wallet

What E+ Wallet does

E+ Wallet is a Brazilian digital wallet platform founded in 2018 and headquartered in Rio de Janeiro, with a secondary office in São Paulo. The company offers a unified incentive campaign management platform and a family of Visa/Mastercard-branded prepaid cards (E+Card Compras, Saque e Crédito, Premium, and Corporate) that enable corporate clients to run employee recognition, sales incentive, motivation, and corporate expense programs. End users accumulate points or balances that can be redeemed across a marketplace of 44,000+ catalog items and 100+ gift card brands, or used at over 2 million physical establishments globally through card network acceptance.

The platform is built on Google Cloud infrastructure and exposes itself as a Progressive Web App with offline storage, multi-layer authentication, and token-based redemption verification. AI and machine learning are applied for chatbot customer support, user behavior analysis and prediction, and fraud detection. A separate E+ Wallet Escolar module targets the Brazilian education vertical with school payment, canteen management, and family financial education tools. Revenue is generated through transaction fees on card issuance, bill payments, mobile recharges, and bank transfers; marketplace commissions on catalog purchases; and professional services for corporate campaign design, SMS broadcasting, chatbot deployment, and consulting. Customer acquisition is conducted via direct enterprise sales, with quote-based multi-year contracts rather than published pricing.

The business is privately held, with no disclosed funding rounds, parent company, or named institutional investors. Distribution is concentrated in Brazil, although card network acceptance provides international reach for cardholders. The company operates with a headcount in the 11-50 range and reports no patents, trademarks, or third-party certifications.

Name

E+ Wallet

Legal name

E+ Wallet

Website

https://emaiswallet.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

E+ Wallet is a Brazilian digital wallet and incentive campaign platform offering Visa/Mastercard-branded prepaid cards, a 44,000+ item redemption marketplace, and AI-enabled campaign management tools, primarily serving Brazilian enterprises running employee recognition and corporate incentive programs.

Ownership category

akta.pro rank

Product category

Digital Wallet Platform

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM)

akta.pro secondary industries

Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA), Merchant / Closed-Loop Wallets (Retail & Marketplace) (FSAMAEAF), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)

Keywords

• Digital wallet platform
• Prepaid card issuance
• Incentive campaign management
• Corporate rewards program
• Payment processing services

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Prepaid Card Issuance: Issuance and management of prepaid cards (E+Card) with Visa and MasterCard branding for corporate and individual use.
2. Marketplace Commission: 44,000+ catalog items and 100+ gift card options available through major Brazilian marketplaces with commission-based revenue.
3. Campaign Management Services: Corporate incentive campaign management including SMS broadcasting, chatbot development, campaign analytics and consulting.
4. Bill Payment Processing: Processing of utility bill payments, barcode scanning, and scheduled payments with transaction fees.
5. Mobile Recharge Services: Online mobile phone recharge services for major Brazilian carriers.
6. Bank Transfer Services: Online transfers with differentiated rates to major Brazilian banks (Caixa Econômica, BB, Itaú, Bradesco, Santander).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

E+ Wallet operates a digital wallet platform that combines incentive award management with branded prepaid card issuance (E+Card with Visa and MasterCard acceptance) and a marketplace of 44,000+ catalog items and 100+ gift card options. The platform supports corporate incentive campaigns, employee recognition programs, sales motivation initiatives, and corporate expense management, while providing end users with payment, transfer, bill payment, mobile recharge, and marketplace redemption functionality.

Product overview

E+ Wallet is a unified digital wallet and incentive platform consisting of the core E+ Wallet Plataforma, the E+Card prepaid card family (Compras, Saque e Crédito, Premium, and Corporate variants), the E+ Wallet Escolar module for educational settings, and complementary services for both companies and employees. The platform integrates campaign management tools, a marketplace with 44,000+ items and 100+ gift card options, financial services (transfers, bill payment, mobile recharge), and AI-powered features including chatbots, fraud detection, and behavior analysis.

Differentiator

Problem solved

Functional benefit

Brands

• E+Card: Prepaid card product line offered by E+ Wallet with Visa and MasterCard acceptance for incentive payments, corporate expenses, prize distribution, and instant awards. Includes E+Card Compras, E+Card Saque e Crédito, E+Card Premium, and E+Card Corporate variants.
• E+ Wallet Escolar

Products and services

• E+ Wallet Plataforma Full-featured digital wallet platform for incentive campaigns. Includes admin panel, real-time dashboards, campaign mechanics (quizzes, raffles, sales registration), communication tools, and access to 44,000+ catalog items and 100+ gift card options. Targeted at companies implementing employee recognition, sales incentive, and motivation programs.
• E+Card Compras Reloadable prepaid card with Visa Electron purchasing function accepted at over 2 million establishments. Designed for recognition, sales incentive, motivation campaigns, and consumer promotions.
• E+Card Saque e Crédito Reloadable prepaid card combining purchase, cash withdrawal, transfer, and bill payment functions. Ideal for prize redemption in recognition, sales, incentive, and motivation campaigns.
• E+Card Premium Non-reloadable credit card for quick sales campaigns and instant prize awards. Suitable for commemorative dates, end consumer awards, and instant incentive actions.
• E+Card Corporate Reloadable corporate prepaid card with purchase and withdrawal functions for corporate expense control. Tracks daily expenses, client meals, taxis, fuel, travel, and hotels with detailed spending reports.
• E+ Wallet Escolar Educational module for family, school, and business use. Enables school payments, canteen purchases, financial education initiation, and family tracking of student purchases and communications. Targeted at schools and families seeking digital payment solutions for educational environments.
• Gift Cards Digital gift cards from major brands including C&A, Carrefour, Netflix, CVC, Spotify, Outback, Submarino, Fnac, and Walmart available in physical and virtual formats for redemption through the wallet platform.
• Para Empresas (Corporate Services) Corporate services including SMS campaign launching, chatbot interaction, custom campaign development, and campaign consulting for employee motivation. Targeted at companies implementing incentive and motivation programs.
• Para Colaboradores (Employee Services) Employee services including bill payment, bank transfer, mobile recharge, marketplace shopping, training platform access, and voucher redemption. Targeted at employees receiving award points or prepaid card balances.

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• Google CloudcoreTechnology or IntegrationFull platform infrastructure using Google Cloud services for hosting, APIs, database management, authentication, and data analytics across all platform sectors.
• VisacoreTechnology or IntegrationVisa card network partnership for E+Card issuance (Visa Electron) enabling acceptance at 2+ million establishments globally.
• MastercardcoreTechnology or IntegrationMastercard card network partnership enabling global acceptance for E+Card products.
• Caixa Econômica FederalcoreTechnology or IntegrationBank transfer partner enabling prize withdrawals and fund transfers with differentiated rates.
• Banco do BrasilcoreTechnology or IntegrationBank transfer partner enabling prize withdrawals and fund transfers with differentiated rates.
• ItaúcoreTechnology or IntegrationBank transfer partner enabling prize withdrawals and fund transfers with differentiated rates.
• BradescocoreTechnology or IntegrationBank transfer partner enabling prize withdrawals and fund transfers with differentiated rates.
• SantandercoreTechnology or IntegrationBank transfer partner enabling prize withdrawals and fund transfers with differentiated rates.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Nubank: Brazil's largest digital bank offering accounts, credit cards, debit cards, P2P transfers, and a personal wallet feature—broader financial platform that overlaps with E+ Wallet's payment and card services.
• Neon Pagamentos: Brazilian digital bank with account, debit card, transfers, and digital wallet features—broader incumbent overlapping with E+ Wallet's consumer financial services.

Direct peers

• Méliuz: Brazilian cashback and rewards platform with prepaid card (MéliuzCard) and marketplace redemption—comparable to E+ Wallet's rewards/incentive focus and prepaid card distribution.
• PicPay: Brazil's leading digital wallet offering P2P payments, prepaid cards, bill payments, mobile recharge, and marketplace features—directly comparable to E+ Wallet's core offering, with much greater consumer scale.
• Mercado Pago: Digital wallet and prepaid card platform from Mercado Libre operating across Brazil with payments, credit, marketplace integration, and merchant services—comparable product set with far larger user base.
• PagBank / PagSeguro: Brazilian payment processor and digital wallet offering prepaid cards, payment accounts, and merchant services—comparable wallet + card product suite targeting both consumers and businesses.
• RecargaPay: Brazilian digital wallet focused on mobile recharge, bill payments, prepaid cards, and cashback—overlapping directly with E+ Wallet's mobile recharge, bill payment, and prepaid card services.
• Ame Digital: Brazilian digital wallet and prepaid card from Americanas S.A. with marketplace integration, cashback, and payment services—directly comparable closed-loop/merchant wallet model.

Emerging players

• Will Bank: Brazilian digital bank with a focus on digital account, prepaid card, and rewards/cashback features—comparable emerging player in the consumer wallet and prepaid card space.

Others

• Conductor / Cielo Pay: Brazilian payment processing and prepaid card solutions provider serving enterprises and merchants—relevant as an adjacent payment infrastructure peer in the Brazilian market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/e-wallet

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about E+ Wallet