Abrapetite

Name

Abrapetite

Legal name

AB Administração de Benefícios Ltda

Website

https://abrapetite.com.br

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Employee Benefits Administration

NAICS

Credit Card Issuing (522210)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSAMANAK

Prepaid Card Program Managers & Issuers (BIN Sponsors)

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

SECONDARYFSAMANAD

Corporate & Incentive / Reward Prepaid Programs

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

SECONDARYFSABALAC

Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Banking Operations & Shared Services (Back Office, BPO/SSC)

Keywords

• Employee benefits administration
• Meal voucher cards
• Corporate benefit programs
• Food allowance platform
• Prepaid benefit cards

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Corporate Benefit Card Services: Abrapetite charges companies (employers) a fee for providing employee benefit cards (meal vouchers, food allowances, health benefits, fuel cards, gift cards). Companies purchase card credits/benefits for their employees, and Abrapetite earns revenue from the transaction volume and service fees.
2. Merchant Network Fees: Establishments (restaurants, supermarkets, fuel stations) in the accredited network pay fees or share a portion of transactions for processing Abrapetite card payments.
3. Receivables Anticipation Services: Cash flow facilitation service for accredited merchants, providing early payment of receivables with associated fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Abrapetite administers and distributes a portfolio of prepaid employee benefit cards and vouchers—including food allowance (AB Alimentação), meal vouchers (AB Refeição), health cards (AB Convênio), fuel cards (AB Combustível), and gift cards (AB Presentes)—to corporate employers in Brazil under the PAT (Programa de Alimentação do Trabalhador) framework. Cards are accepted at a network of 320,000+ accredited establishments, and the company provides a mobile app (Meu Abrapetite) and a card management platform (INTEGRA) for balance management, transactions, and recharges.

Product overview

Abrapetite is an employee benefit card platform offering a portfolio of prepaid card and voucher products for meal, food, health, fuel, and gift benefits. The core products are AB Alimentação, AB Refeição, AB Convênio (Cartão Saúde), AB Combustível (Auto Card), AB Presentes, and Voucher Refeição — all functioning as card or voucher-based employee benefits accepted at a network of credenced merchants. The platform also provides Antecipação de Recebíveis (accounts receivable advancement) for merchants. The MEU ABRAPETITE mobile application serves as the primary digital interface for end users to manage balances, transactions, and card services. The company operates primarily in Paraná, Brazil, with delivery capabilities within 5 business days and emergency 48-hour card delivery. The platform integrates with Softnex (INTEGRA system) for card management and multiple payment acceptance networks (Cielo, Stone, Rede, Getnet, Global Payments, Sipag, Sicredi) for merchant transaction processing.

Differentiator

Problem solved

Functional benefit

Brands

• AB Alimentação: Food benefit card accepted at supermarkets and various establishments for daily food expense management.
• AB Refeição
• AB Convênio
• AB Combustível
• AB Presentes
• Voucher Refeição

Products and services

• AB Alimentação Food allowance prepaid card accepted at supermarkets and various establishments, enabling employees to manage daily food expenses while employers control benefit disbursement. Provides online balance inquiry, mobile app access, and coverage across all municipalities of Paraná.
• AB Refeição Meal voucher prepaid card accepted at restaurants, bakeries, snack bars, delivery services, and other food establishments, allowing employees to pay for meals while employers track and control meal benefit expenses with dedicated customer service and rapid emergency recharge capability.
• AB Convênio (Cartão Saúde)

Quantifiable outcome

• Tax deductions of up to 4% in Income Tax for companies under lucro real taxation regime through PAT program participation
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Mãos Sem FronteirasminorStrategic or Co-development PartnerAbrapetite partnered with Mãos Sem Fronteiras, a mental health initiative, to offer the '5 minutos eu medito' (5 Minutes I Meditate) application to its users for free. The partnership aims to promote mental health awareness among Abrapetite cardholders through the meditation app available on Google Play and App Store.
• SoftnexcoreTechnology or IntegrationTechnology partner providing the INTEGRA platform used by Abrapetite for card recharge management, usage tracking, and card operations. Softnex also provides the 'Solicitar Proposta' (Request Proposal) customer portal system.
• SessmaminorOthersPartner company whose logo appears on the 'Nossos Parceiros' (Our Partners) page.
• IguacuminorOthersPartner company whose logo appears on the 'Nossos Parceiros' (Our Partners) page.

Scale indicators5 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Up Brasil: Brazilian multi-benefit platform offering meal, food, culture, health and fuel cards to corporate clients; overlaps Abrapetite across nearly all AB-branded product lines and competes for the same employer buyer.
• Ticket Log: Brazilian meal, food and fleet/fuel benefit card brand of Edenred; operates a national prepaid benefit-card platform with corporate-channel distribution and accredited merchant network directly comparable to Abrapetite's model.
• VR Benefícios: Major Brazilian issuer of vale-refeição and vale-alimentação cards with broad national merchant acceptance; competes head-on with Abrapetite in the same meal/food benefit category and corporate HR buyer segment.
• Alelo: One of Brazil's largest corporate benefit card issuers (meal, food, gift, fuel, culture), with nationwide merchant acceptance and a multi-product portfolio directly overlapping Abrapetite's AB Alimentação, AB Refeição, AB Combustível and AB Presentes lines.
• Caju Benefícios: Brazilian flexible multi-category benefits card (alimentação, refeição, cultura, saúde, mobilidade) with a digital-first UX; targets the same corporate buyer as Abrapetite but differentiates through category-flexibility versus Abrapetite's vertical-specific card portfolio.

Broad incumbents

• Pluxee: Global benefits and engagement player spun out of Sodexo; operates in Brazil with meal/food and gift voucher programs that overlap Abrapetite's product portfolio while competing at a larger, multinational scale.
• Edenred: Global leader in employee benefits and payment solutions, parent of Ticket Log in Brazil; operates across meal vouchers, gift, fuel/mobility and corporate payment categories with significantly broader scale than Abrapetite.

Regional players

• Greencard: Brazilian fleet and fuel card specialist; overlaps Abrapetite's AB Combustível offering and competes for the same corporate fleet/vehicle expense management use case, with a regional/segmented focus.

Emerging players

• Swile: France-originated digital employee benefits card platform expanding internationally into Brazil and Latin America; competes in the same meal/food/benefits card space with a modern product experience.
• Flash Benefícios: Brazilian digital-native flexible benefits platform; competes for the same corporate HR buyers as Abrapetite, particularly on the technology and UX dimension, and represents a digitally-led challenger to legacy prepaid-card operators.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/abrapetite
• LinkedInlinkedin.com/company/abrapetite

Compliance2 records

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 Abrapetite