Personal Card

What Personal Card does

Personal Card is a privately held Brazilian corporate benefit management company founded in 2001 and headquartered in Florianópolis, Santa Catarina. The company operates a proprietary multi-wallet prepaid card platform that consolidates up to seven benefit categories — food allowance, meal vouchers, mobility, health, culture, food aid, and free balance — onto a single card with employer-defined rules and limits per wallet. Its core products include MULTIFLEX (multi-wallet card), MULTIBENEFÍCIOS (permanent salary advance with payroll deduction), DO SEU JEITO (fully customizable branded cards for awards and incentives), and DUEPAY (integrated digital account for payments, transfers, and cash withdrawals). Supporting modules include PLUS FROTA for fleet management and PLUS COMPRAS for digital public-sector procurement.

The company operates a two-sided network comprising 3M+ beneficiaries across 6,000+ corporate and government clients and 80,000+ credentialed merchant establishments, with integration into PagSeguro payment terminals extending acceptance further. Personal Card serves two primary segments: private-sector businesses of all sizes (HR and finance decision-makers purchasing employee benefits) and municipal governments (prefeituras) deploying social-benefit programs such as school kit distribution and emergency assistance — including named contracts with the prefecturas of São Paulo and Rio de Janeiro.

Revenue mechanics combine subscription/recurring fees from corporate and government clients, transaction/interchange economics from the merchant network, and ancillary merchant services (receivables anticipation, installment credit, check guarantee). The entire stack — from software development to card embossing — is operated in-house. The company is founder-led by Deny Resende (President) with his daughter Alessandra Resende as Vice President, has never disclosed external institutional funding, and operates exclusively within Brazil.

Name

Personal Card

Legal name

Personal Card

Website

https://personalcard.com.br

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

Personal Card is a Brazilian, founder-led corporate benefit management platform offering multi-wallet prepaid cards, salary advances, digital accounts, and public-sector social programs. It serves 6,000+ companies, 3M+ beneficiaries, and 80,000+ merchants exclusively in Brazil.

Ownership category

akta.pro rank

Product category

Corporate Benefits Management

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Commercial & Corporate Card Schemes (FSAMAAAF)

akta.pro secondary industries

Government Benefit & EBT / Social Program Cards (FSAMANAF), Private-Label & Store Card Schemes (FSAMAAAE), Central/Lodge Cards & Ghost Cards (Air/Hotel/Rail) (THACAJAB)

Keywords

• Corporate benefit cards
• Employee benefits management
• Prepaid benefit solutions
• Fleet management services
• Digital payroll solutions

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Corporate Benefit Card Services: Revenue from企业提供员工福利卡解决方案向企业收费可能基于员工数量、卡片数量或管理费
2. Merchant Network Fees: Fees from credentialed establishments (80,000+ establishments) that accept Personal Card payments. Merchants pay for the ability to serve benefit card users.
3. Government/Public Administration Contracts: Contracts with municipal governments (prefeituras) for social benefit management including Personal Citizenship program, school kit distribution, and public fleet management.
4. Ancillary Merchant Solutions: Additional services offered to credentialed merchants including receivables anticipation (antecipação de recebíveis), secure installment credit (crédito parcelado), and check guarantee (cheques sem inadimplência).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Personal Card is a Brazilian fintech founded in 2001 that issues multi-wallet corporate benefit cards combining meal, food, culture, and transportation allowances and provides complementary services including salary advances (DUEPAY), fleet management (PLUS FROTA), corporate purchasing cards (PLUS COMPRAS), digital accounts, school supply kits (Kit Escolar), and citizen benefit cards (Personal Cidadania) to employers and government entities across Brazil.

Product overview

Personal Card offers a modular platform of corporate benefit solutions centered on prepaid card technology. The core portfolio consists of MULTIFLEX (multi-wallet card with 7 benefit categories), MULTIBENEFÍCIOS (salary advance with payroll deduction), DO SEU JEITO/IncentiveMais (fully customizable branded cards for awards and incentives), and DUEPAY (digital account integrated with benefits). Supporting modules include PLUS FROTA for fleet management, PLUS COMPRAS for digital procurement, and merchant-facing services like Antecipação de Recebíveis, Crediário Seguro, and Cheque sem Inadimplência. The company also serves public sector clients with Kit Escolar (school supply credits) and Personal Cidadania (social benefit programs), all accessible through a proprietary mobile app with real-time card management. The platform connects to PagSeguro terminals for expanded acceptance and maintains an in-house digital infrastructure for card embossing and technology operations.

Differentiator

Problem solved

Functional benefit

Brands

• MULTIFLEX: Multi-wallet card solution with 7 categories: food, meals, mobility, health, entertainment, food allowance, and free balance.
• MULTIBENEFÍCIOS
• DO SEU JEITO
• DUEPAY
• PLUS COMPRAS
• PERSONAL CIDADANIA

Products and services

• MULTIFLEX
• MULTIBENEFÍCIOS
• DO SEU JEITO
• DUEPAY
• PLUS FROTA
• PLUS COMPRAS
• Kit Escolar
• Personal Cidadania
• Personal Card App

Quantifiable outcome

• São Paulo reached 1.5 million uniforms and school kits purchased with municipal credit program
• +2 more outcomes

Named customers14 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

Integration1 record

Feature6 records

Partnerships

Two partnerships are on record, tiered minor.

• Hospital Israelita Albert Einstein (Meu Einstein)minorStrategic or Co-development PartnerHealthcare partnership providing 24/7 online medical consultations with specialists from Hospital Israelita Albert Einstein through the Meu Einstein platform, integrated into Personal Card's health and wellness benefits ecosystem.
• ConexaminorStrategic or Co-development PartnerHealthcare partnership providing 24/7 online medical consultations through Conexa telemedicine platform, integrated into Personal Card's health and wellness benefits ecosystem as an alternative to Hospital Israelita Albert Einstein.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• PagBank PagSeguro: PagBank/PagSeguro is a Brazilian digital payments and banking platform; it already integrates with Personal Card at the POS level and competes adjacently in merchant acquiring and digital accounts (DuePay).
• Flash Benefícios: Flash is an emerging Brazilian flexible benefits platform (Flash Benefícios) competing for corporate benefit wallet share with a mobile-first experience overlapping Personal Card's MultiFlex and Do Seu Jeito value proposition.
• iFood Benefícios: iFood Benefícios extends iFood's consumer ecosystem into the corporate meal/food benefit card space, competing with Personal Card for employer accounts where food delivery is a primary use case.

Direct peers

• Ticket Log (Edenred Brasil): Ticket Log is Edenred's Brazilian vehicle/fleet and benefit solution, offering corporate cards and fleet management that overlap directly with Personal Card's MultiFlex and Plus Frota offerings.
• Caju Benefícios: Caju is a Brazilian multi-benefit card platform offering flexible wallets for food, meal, mobility, and culture, targeting the same employer HR buyer with a digital-first model similar to Personal Card's MultiFlex.
• Alelo: Alelo is one of Brazil's largest corporate benefit card issuers (food, meal, culture, fleet), directly competing with Personal Card across the same corporate HR buyer and merchant network in Brazil.
• VR Benefícios: VR Benefícios is a major Brazilian corporate benefit card issuer (Refeição, Alimentação, Cultura, Mobilidade), serving the same HR/benefits buyer with very similar prepaid card products.
• Pluxee (formerly Sodexo Benefits & Rewards Brasil): Pluxee (Sodexo spin-off) operates globally in employee benefits and meal/benefit cards; in Brazil it competes with Personal Card for corporate benefit accounts across food, meal, and culture categories.
• GoodCard (formerly Telerede / BPP): GoodCard is a Brazilian corporate benefit card issuer focused on meal, food, and culture benefits; it competes for similar mid-market employer accounts in the same regulatory framework as Personal Card.

Broad incumbents

• Elo (Brazilian card scheme): Elo is a Brazilian domestic card network owned by major banks; it sits upstream of card issuers like Personal Card, providing network infrastructure that benefit card schemes rely on for acceptance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com.br/personalcard
• Facebookfacebook.com/PersonalCard
• LinkedInlinkedin.com/company/personal-card-beneficios-flexiveis
• Instagraminstagram.com/personalcard_

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Personal Card