Tipay
Tipay is a Brazilian fintech that sells the TipaySmart no-rental card terminal direct-to-consumer to SMB and micro merchants across Brazil, generating revenue from hardware sales and per-transaction fees on Pix, credit, and debit acceptance.
- Company typePrivate
- Founded2018
- HeadquartersCuritiba, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Tipay does
Tipay is a Brazilian payments company headquartered in Curitiba that sells the TipaySmart card payment terminal direct-to-consumer to small and medium-sized merchants across Brazil. Founded in 2018 and operating with 1-10 employees, the company markets itself around transparent pricing and the absence of monthly rental fees, positioning against traditional Brazilian acquirers. It serves SMB and micro-business merchants frustrated with high rental costs and hidden charges from incumbent card-machine providers.
The company's core product is the TipaySmart portable POS terminal, which accepts Pix, QR Code, credit, and debit payments across a broad set of brands and wallets including Visa, Mastercard, Elo, Hipercard, Diners, Discover, Banrisul, Cabal, Sorocred, Mais, Alelo, VR, Pluxee, Ben, Green, Volus, and Pagaprox. Settlement flows into a bundled free Tipay Digital Account, with payment receipt available in one business day via an anticipation feature. The firm has no disclosed proprietary processing stack, no API offering, and no MCP/SDK surface; payment-method support appears to operate through standard network and Pix rails.
Tipay generates revenue from two streams: (i) one-time hardware sales of the terminal at R$ 597 list, with a R$ 389 à vista purchase option or 12 installments of R$ 32.42, and (ii) per-transaction fees of 0.99% on debit, 2.67% on credit à vista, and 3.69% on credit in 12 installments (rising to 17.99% at 18x with anticipation). There are no monthly or rental fees. Distribution is direct-to-consumer via the company's own e-commerce storefront (adesao.tipay.app), with free shipping nationwide and customer support delivered through WhatsApp and email. The company is private, has no disclosed funding rounds, no published revenue, no listed management team, and reports reaching "thousands of merchants" throughout Brazil.
Tipay firmographics
Firmographics- Name
- Tipay
- Website
- https://tipay.app
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Tipay is a Brazilian fintech that sells the TipaySmart no-rental card terminal direct-to-consumer to SMB and micro merchants across Brazil, generating revenue from hardware sales and per-transaction fees on Pix, credit, and debit acceptance.
- Ownership category
- akta.pro rank
Tipay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Services Aggregators & SMB Acquirers (FSAMABAK)
- akta.pro secondary industries
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), QR Code Payments Wallets (FSAMAEAC)
Keywords
Where Tipay is headquartered
LocationHeadquarters
- HQ city
- Curitiba
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Tipay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Supply Chain, Technology or R&D, Marketing or Sales, Operations, Personnel
Revenue model
- Hardware Sales: One-time sale of TipaySmart card terminal devices. Product priced at R$ 597.00 (12x R$ 32.42 or R$ 389.00 à vista). This provides upfront revenue from hardware purchase.
- Payment Transaction Fees: Transaction-based fees charged on each payment processed through the terminal. Rates: 0.99% for debit, 2.67% for credit à vista, 3.69% for credit in 12 installments. No monthly fees or rental charges. Revenue generated per transaction processed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | TipaySmart Card Terminal |
| Transaction based/ take rate | Pay-as-you-go | Debit Transaction Rate |
| Transaction based/ take rate | Pay-as-you-go | Credit à Vista Rate |
| Transaction based/ take rate | Pay-as-you-go | Credit Installment Rate (12x) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Tipay product offering
Product offeringCore offering
Tipay sells the TipaySmart, a portable point-of-sale card terminal that accepts QR Code, Pix, credit, and debit payments, bundled with a free digital account for settlement and earning revenue from one-time hardware sales and per-transaction processing fees. The company targets SMB merchants throughout Brazil with no rental or monthly fees and competitive transaction rates across all major card brands and digital voucher wallets.
Product overview
Tipay is a single-product company offering the TipaySmart card machine as its core payment acceptance solution. The product portfolio includes the TipaySmart physical POS device and an accompanying free digital account for fund management. The company positions itself as an alternative to traditional card machines by eliminating rental fees and offering competitive transaction rates across debit, credit (both à vista and installment), and Pix payment methods.
Differentiator
Problem solved
Functional benefit
Brands
- TipaySmart: A card payment terminal/machine offered by Tipay with features including free digital account, no monthly fees, free shipping, and Tipay guarantee.
Products and services
- TipaySmart Card Terminal A portable point-of-sale card payment terminal that enables merchants to accept credit, debit, Pix, and QR Code payments. Sold to small and medium-sized businesses in Brazil with no rental or monthly fees, free digital account, free shipping, and Tipay guarantee.
- Tipay Digital Account Free digital bank account bundled with the TipaySmart terminal, used to receive payment settlements with no maintenance fees and receipt in 1 business day.
Quantifiable outcome
- Customers report saving approximately 3.8% per sale compared to previous payment providers
- +1 more outcomes
Companies that use Tipay
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Tipay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
Feature1 record
Tipay partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights3 records
Tipay competitors and assessment
Company assessmentDirect peers
- PagBank / PagSeguro: Brazilian SMB acquirer and digital account provider offering Moderninha POS terminals and payment processing. Directly comparable to Tipay across acquiring, terminal hardware, and bundled digital account.
- Stone Co. One of Brazil's largest SMB-focused acquirers, selling Ton smart POS terminals and processing card/Pix payments for small merchants. Directly comparable to Tipay in target segment (Brazilian SMBs) and core product (card terminal + acquiring).
- Ton (Stone subsidiary): Stone's dedicated smart-POS brand serving micro and small Brazilian merchants, featuring free Pix, QR Code, and card acceptance with competitive rates. Direct head-to-head competitor in Tipay's core niche.
- SafraPay: Banco Safra's acquiring arm providing POS terminals and payment processing to Brazilian SMBs with transparent pricing. Comparable business model and customer base to Tipay.
- InfinitePay: Brazilian fintech offering a smart POS terminal (InfiniteTap) with Pix, credit/debit acceptance and a free digital account to SMB merchants. Closely comparable product positioning and target customer.
- Mercado Pago: Fintech arm of Mercado Livre offering POS terminals and acquiring services to Brazilian SMBs and individual sellers, with bundled digital account. Closely comparable in target customer and product mix.
- SumUp: Global SMB POS terminal and acquirer with significant Brazilian presence, offering low-fee card machines aimed at micro-merchants. Comparable product offering, pricing model, and target segment to Tipay.
Broad incumbents
- Cielo: Brazil's largest legacy card acquirer (Banco Bradesco/BB JV), serving SMBs through Cielo equipment and processed volume. Comparable acquiring and POS offering but with much broader enterprise focus and scale.
- GetNet (Santander): Banco Santander's acquiring business offering POS terminals and processing services to Brazilian SMBs and enterprises. Comparable acquiring activity, larger scale and broader portfolio.
- Rede (Itaú): Card acquirer owned by Itaú Unibanco providing POS terminals and acquiring to Brazilian merchants of all sizes. Directly comparable in core acquiring/terminal activity but operates as part of a much larger banking group.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Tipay social profiles
Digital presenceTipay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tipay leadership team
Management profileNumber of profiles
Tipay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tipay 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 Tipay
What does Tipay do?
Tipay sells the TipaySmart, a portable point-of-sale card terminal that accepts QR Code, Pix, credit, and debit payments, bundled with a free digital account for settlement and earning revenue from one-time hardware sales and per-transaction processing fees. The company targets SMB merchants throughout Brazil with no rental or monthly fees and competitive transaction rates across all major card brands and digital voucher wallets.
Is Tipay a public or private company?
Tipay is a private company. It is classified as unknown and is currently operating.
When was Tipay founded?
Tipay was founded in 2018. It employs 1 to 10 people.
Where is Tipay based?
Tipay is headquartered in Curitiba, Brazil, in the Latin America region.
How does Tipay make money?
Two revenue lines are on record. Hardware Sales are the primary driver. The others are payment Transaction Fees.
Who are Tipay's main competitors?
Direct peers on record are PagBank / PagSeguro, Stone Co., Ton (Stone subsidiary), SafraPay, InfinitePay, Mercado Pago and SumUp. Broad incumbents are Cielo, GetNet (Santander) and Rede (Itaú).
Does Tipay have an API?
No public API is recorded for Tipay.
What industry is Tipay in?
Tipay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAK, Merchant Services Aggregators & SMB Acquirers, with a secondary code of FSAMABAC, Card-Present Acquirers (Retail & POS Focus). Its NAICS code is 52232 and its SIC code is 6159.