What Virtua Software does

Virtua Software is a Brazilian software company headquartered in Goiânia that develops "Virtúa Cobrança," a debt collection and credit recovery management platform serving collection agencies, law firms, banks, credit portfolio investors, and companies managing subscription-based or agribusiness receivables. The company has operated for more than 20 years and reports over 140 clients served across Brazil. Its core product centralizes portfolio data, automates debt calculations (interest, fines, discounts), provides 15 accountability report templates, supports bank-specific negotiation workflows, calculates commissions, and integrates with SMS providers, automated dialers, chatbots, BI tools, and data hygiene solutions. The platform deploys in two models: an on-premise client-server edition for clients requiring full data control, and Virtúa Web, a cloud-hosted alternative for clients without server infrastructure.

The platform is tailored to Brazilian receivables operations, with native support for Pix instant payments, WhatsApp payment links, and SMS/email collection cadences orchestrated via the Régua de Cobrança automation module. Pricing is quote-based, combining a one-time software license fee (cessão de direito de uso) with a recurring maintenance/support subscription and optional customization services for clients requiring tailored configurations. The company operates a sales-led go-to-market motion, with customer acquisition driven by direct phone outreach, WhatsApp, and inbound website inquiries. Customer validation signals include a strong aggregate review rating on Google (29 verified reviews labeled 'EXCELENTE') and published case studies such as Carvalho & Garcia Advogados and WMG Agro.

Virtua Software is privately held with no disclosed external funding, parent company, institutional investors, M&A activity, or leadership transitions. The company operates exclusively in Brazil with no visible international expansion. There are no disclosed patents, industry awards, or third-party certifications. The technology stack is predominantly on-premise Microsoft-stack compatible with selective cloud capabilities; no proprietary AI/ML models, research publications, or data flywheel mechanics are referenced.

Name

Virtua Software

Legal name

Virtua Software

Website

https://virtuasoftware.com.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Virtua Software is a Goiânia, Brazil-based software company that develops Virtúa Cobrança, a debt collection and receivables management platform serving over 140 collection agencies, law firms, banks, and credit portfolio managers across Brazil via on-premise and cloud deployments.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Software Publishers (513210), Software Publishers (5132), Collection Agencies (561440)

SIC

Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt collection software
• Credit recovery systems
• Receivables management
• Collection automation
• Delinquency portfolio management

Headquarters

HQ city

Goiânia

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software License (Cessão de Direito de Uso): One-time license or non-exclusive right of use license for the Virtúa Cobrança system. The license allows the company to use the system for electronic processing of information related to their collection operations with flexibility for customization and integrations.
2. Technical Support and Maintenance: Included with the license - provides technical maintenance, support, and technological evolution for the contracted model/version
3. Customization and Consulting Services: Customizations for ready-made or personalized products according to each project and operation model
4. Auxiliary Solution Integrations: Integration with SMS providers, data hygiene/location companies, chatbots, automatic dialing tools, and BI tools as part of the solution composition

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Virtua Software develops and licenses Virtúa Cobrança, a debt collection and credit recovery management platform that centralizes receivables data, automates debt and commission calculations, manages negotiations across multiple banks, and delivers real-time dashboards. The platform is available in client-server and cloud (Virtúa Web) deployment models and serves collection agencies, law firms, banks, credit portfolio managers, and subscription-based service providers in Brazil.

Product overview

Virtua Software offers Virtúa Cobrança as its primary platform for debt collection and receivables management. The platform is available in two deployment models: the client-server version (installed on the company's own infrastructure) and Virtúa Web (cloud-hosted version for operations without server infrastructure investment). The system centralizes collection data, automates debt calculations and commission calculations, offers 15 account statement templates, provides negotiation screens with configurable interest/penalties/discounts, and generates automatic reports and payment links. It is designed for collection agencies, law firms, banks, credit portfolio managers, and subscription-based service companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Virtúa Cobrança Comprehensive debt collection and credit recovery management software for collection agencies, law firms, banks, credit portfolio managers, and subscription-based service companies in Brazil. Centralizes receivables data, automates debt and commission calculations, provides 15 accountability report templates, manages per-bank negotiations, integrates multi-channel communications, and delivers real-time dashboards for operational decision-making.

Quantifiable outcome

• Over 140 companies served in 20+ years of operation
• +1 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature9 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Pontaltech: Brazilian technology company specializing in call center, messaging, and collection communications infrastructure. Comparable to Virtua as a domestic collections technology vendor serving collection agencies, banks, and financial institutions in Brazil.
• Cobre Fácil: Brazilian debt collection and negotiation platform offering automated billing, sending, and collection workflows for SMBs and enterprises. Comparable to Virtua in serving Brazilian collection operations with cloud-based SaaS, though with a stronger SMB self-serve focus.
• Assertiva Soluções: Brazilian technology company offering credit, collections, and receivables management solutions including data, scoring, and recovery platforms. Comparable to Virtua as a domestic Brazilian collections technology vendor serving banks, financial institutions, and large collection operations.
• Contazo: Brazilian debt collection management software platform serving collection agencies and legal offices with workflow automation. Directly comparable to Virtua as a similarly-positioned domestic niche SaaS for collection operations with comparable customer base and use cases.

Broad incumbents

• Serasa Experian: Brazil's dominant credit bureau and collections platform offering end-to-end receivables management, scoring, and debt recovery solutions. Comparable to Virtua as a collections ecosystem player in Brazil with much greater scale, brand, and institutional reach.
• FICO: Global analytics and decision management software provider with collections optimization, scoring, and recovery solutions for lenders. Comparable to Virtua at the receivables and collections technology layer, though operating at much greater scale and complexity.
• Pegasystems: Global enterprise low-code platform with a dedicated Collections and Customer Onboarding solution used by major banks and lenders worldwide. Comparable to Virtua as a collections workflow software provider, though serving large enterprises rather than Brazilian SMBs.
• Oracle Financial Services Anti Money Laundering / Collections: Oracle's financial services software suite includes receivables and collections modules targeting global banks and lenders. Comparable to Virtua in collections workflow functionality, though targeting much larger institutions with extensive integration requirements.

Emerging players

• Acordo Certo: Brazilian digital debt negotiation marketplace connecting consumers with creditors for online settlement. Compares to Virtua at the consumer-facing layer of the collections stack, though with a marketplace model rather than SaaS workflow software.

Regional players

• Recovery do Brasil: Brazilian third-party debt collection and credit recovery services firm that may use or compete with Virtua-class software. Comparable to Virtua's customer base of collection agencies and represents an alternative path to market for similar receivables workflow needs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/virtuasoftware
• Instagraminstagram.com/virtuasoftware
• Xx.com/virtuasoftware1

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 Virtua Software