SaQ
SaQ is a Brazilian payment institution regulated by the Banco Central do Brasil, offering an API-first infrastructure platform for Pix, TED, boleto, digital accounts, and receivables, primarily serving fintechs, e-commerce, SaaS, and marketplace operators.
- Company typePrivate
- Founded2019
- HeadquartersMoema, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What SaQ does
SaQ is a Brazilian payment institution (Instituição de Pagamento) regulated by the Banco Central do Brasil, operating an API-first payment infrastructure platform that primarily serves fintechs, e-commerce operators, SaaS providers, and marketplaces. The company was founded in 2019 and is headquartered in Moema, São Paulo, with a publicly disclosed headcount of 11-50 employees; the current operating platform was launched in 2024. There is no disclosed parent company, funding history, or executive team detail in the available sources.
The core product suite is delivered through documented APIs and self-serve onboarding channels, and includes SaQ Pix (instant payments), SaQ Conta (digital accounts), SaQ Ted (wire transfers), SaQ Boleto (bank slips), and SaQ Cobrança (receivables collection). The platform is also accessible via mobile applications on the Apple App Store and Google Play. SaQ positions itself on infrastructure reliability metrics, claiming 99.999% uptime on its public status page and a 10M+ Pix transactions-per-day capacity, and the company maintains operational compliance with KYC, AML, and Brazil's LGPD data protection regime, including real-time fraud prevention and anomaly detection.
The business model is transaction-based with customized ("Personalizado") pricing, consistent with a B2B payment-rails proposition targeting mid-market and SMB customers that prefer to embed payment infrastructure rather than build it in-house. The company operates as an independent regulated entity rather than a subsidiary of a larger financial institution, and the available data does not show any named marquee customers, partner integrations, or funding rounds.
SaQ firmographics
Firmographics- Name
- SaQ
- Legal name
- SAQ INSTITUIÇÃO DE PAGAMENTO LTDA
- Website
- https://saq.digital
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SaQ is a Brazilian payment institution regulated by the Banco Central do Brasil, offering an API-first infrastructure platform for Pix, TED, boleto, digital accounts, and receivables, primarily serving fintechs, e-commerce, SaaS, and marketplace operators.
- Ownership category
- akta.pro rank
SaQ industry classification
Industry- Product category
- Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where SaQ is headquartered
LocationHeadquarters
- HQ city
- Moema
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
SaQ business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales
Revenue model
- Payment Transaction Fees: Transaction fees charged on payment processing including Pix In, Pix Out, TED, and boleto transactions. Revenue generated on a per-transaction basis with immediate settlement.
- Digital Account Fees: Tariffs charged for digital business account services including balance maintenance, transfers, and other banking operations. Fees are debited directly from the account and disclosed in the fee schedule on the website.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing not publicly disclosed |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
SaQ product offering
Product offeringCore offering
SaQ provides an API-first Brazilian payment infrastructure platform that unifies Pix In/Out processing, TED transfers, boleto payments, and a digital PJ business account on a single, bank-grade stack. The platform is offered to businesses via REST APIs, Webhooks, and a self-serve web panel, with automated reconciliation and real-time AML/fraud monitoring built in. It is licensed by the Banco Central do Brasil and targets fintechs, e-commerce players, SaaS companies, and marketplaces that need scalable, compliant payment processing.
Product overview
SAQ Digital is a Brazilian payment infrastructure platform providing a unified suite of payment services for businesses. The core offering consists of SaQ Pix (PIX In/Out payment processing with automatic reconciliation), SaQ Conta (digital business account with real-time balance and statements), SaQ Ted (bank transfers), SaQ Boleto (boleto payment processing), and SaQ Cobrança (collections management). The platform is built for scalability and compliance with Banco Central do Brasil regulations, designed for high-volume merchants, fintechs, marketplaces, and e-commerce businesses requiring bank-grade payment infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- SaQ Pix: PIX payment processing (PIX in and PIX out) with immediate settlement and automatic reconciliation.
- SaQ Conta
- SaQ Ted
- SaQ Boleto
- SaQ Cobrança
Products and services
- SaQ Pix
Companies that use SaQ
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
SaQ technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature5 records
SaQ partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights3 records
SaQ competitors and assessment
Company assessmentDirect peers
- EBANX: Brazilian-headquartered cross-border payment infrastructure provider with strong Pix, boleto, and local payment method coverage. Comparable as a developer-first, multi-payment-method PSP serving global digital businesses.
- Pagar.me: Stone-owned Brazilian payment processor offering Pix, card, and boleto processing with API-first integration. Direct API-driven competitor for fintechs, marketplaces, and SaaS platforms seeking Brazilian payment infrastructure.
- CloudWalk: Brazilian payment processor and Pix-heavy fintech operating InfiniteTap and JIM platforms. Targets merchants and developers with API-first payment infrastructure, very similar GTM motion to SaQ.
- PagBank (PagSeguro): Brazilian payment processor and digital account provider offering Pix, boleto, card processing, and Conta Digital PJ. SaQ competes head-to-head for the same SMB and e-commerce digital account + Pix volume.
- Zoop: Brazilian payment infrastructure platform purpose-built for marketplaces and platforms with sub-merchant management, Pix, and digital account features. Closest analog to SaQ's marketplace and platform-acquiring positioning.
Broad incumbents
- Cielo: Brazil's largest traditional card acquirer, expanding into Pix, digital account, and e-commerce solutions through Cielo Lio and Cielo Farol. Broad incumbent competing for the same merchant payment volumes.
- Stone Co. Large Brazilian acquiring and banking platform offering Stone Ton, Stone Pix, and Conta Stone. Competes with SaQ through much broader portfolio (POS, credit, banking) and significantly greater scale.
- Mercado Pago: Embedded payments and digital account inside the Mercado Livre ecosystem, plus standalone merchant processing. Competes with SaQ on Pix, boleto, and Conta Digital, with massive distribution and consumer-side data advantages.
Emerging players
- Dock: Brazilian payments and banking technology provider enabling banks, fintechs, and retailers to issue cards and process payments. Comparable as a regulated infrastructure-layer competitor targeting digital businesses in Brazil.
- FitBank: Brazilian banking-as-a-service and payment infrastructure provider offering Pix, account, and card issuance via APIs. Comparable as a regulated fintech infrastructure API platform serving embedded finance and fintech clients.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
SaQ social profiles
Digital presenceSaQ compliance and trust
Trust signalCompliance4 records
SaQ financial estimates
Financial estimateRevenue estimate
Valuation estimate
SaQ leadership team
Management profileNumber of profiles
SaQ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SaQ 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 SaQ
What does SaQ do?
SaQ provides an API-first Brazilian payment infrastructure platform that unifies Pix In/Out processing, TED transfers, boleto payments, and a digital PJ business account on a single, bank-grade stack. The platform is offered to businesses via REST APIs, Webhooks, and a self-serve web panel, with automated reconciliation and real-time AML/fraud monitoring built in. It is licensed by the Banco Central do Brasil and targets fintechs, e-commerce players, SaaS companies, and marketplaces that need scalable, compliant payment processing.
Is SaQ a public or private company?
SaQ is a private company. It is classified as unknown and is currently operating.
When was SaQ founded?
SaQ was founded in 2019. It employs 11 to 50 people.
Where is SaQ based?
SaQ is headquartered in Moema, Brazil, in the Latin America region.
How does SaQ make money?
Two revenue lines are on record. Payment Transaction Fees are the primary driver. The others are digital Account Fees.
Who are SaQ's main competitors?
Direct peers on record are EBANX, Pagar.me, CloudWalk, PagBank (PagSeguro) and Zoop. Broad incumbents are Cielo, Stone Co. and Mercado Pago. Emerging players are Dock and FitBank.
Does SaQ have an API?
Yes. REST API with Webhooks for payment processing, PIX transactions (in/out), digital account management, TED transfers, boleto payments, and reconciliation. Available for business account integration. Developer documentation is at saq-digital-v3.readme.io/reference/saq-digital-api.
What industry is SaQ in?
SaQ's product category is Payment Infrastructure. Its primary akta.pro industry code is FSAMAFAC, Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 522320 and its SIC code is 7374.