What Crediffato does

Crediffato is a financial services subsidiary of Grupo Muffato, the Paraná-based retail conglomerate that operates Super Muffato, Max Atacadista and Auto Posto Muffato. Founded in 2019 and headquartered in Cambé, Paraná, Crediffato was established to internalize payments, credit, and benefits products consumed within the parent group's retail footprint, and now also distributes to external corporate clients via partnerships and PAT-compliant meal accounts.

The product portfolio spans consumer credit and corporate benefit cards (Cartão Crediffato, Cartão Alimentação PAT-compliant, gift cards, and the 2024-launched Cartão Combustível for fleet/fuel payments), distribution of insurance through Ezze Seguros, telemedicine access via Saúde 24H, pet insurance via Crediffato Pet, and credit-bureau-informed services backed by a partnership with Serasa. SmileGo is integrated for digital customer onboarding, and e-Pharma supports the pharmaceutical benefit channel. The technology stack is built around issuer/processor integrations typical of a Brazilian benefits-card administrator rather than a proprietary software platform.

The business model combines interchange, MDR and float on card programs, card-issuance and management fees (notably on the Fuel Card for corporate fleets), and commission/referral revenue on distributed insurance and telemedicine products. Crediffato monetizes primarily by serving Grupo Muffato's captive retail customer base and corporate employer accounts, with PAT compliance positioning it to win external corporate meal-voucher mandates. Parent-company sponsorship provides funding stability but also concentrates revenue dependence on Grupo Muffato's retail volume.

Name

Crediffato

Legal name

Crediffato Administradora de Instrumentos de Pagamento e de Moedas Eletrônicas LTDA.

Website

https://crediffato.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Crediffato is the financial services arm of Grupo Muffato, issuing credit, meal, gift, and fuel cards, and distributing insurance and telemedicine to retail and corporate clients in Paraná, Brazil. Founded 2019, it operates a 15-person team from Cambé.

Ownership category

akta.pro rank

Product category

Retail Payment Cards and Financial Services

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industries

Card Issuing Platforms (Issuer Processing) (FSAGABAD), Gift Card Processing, Issuance Platforms & Aggregators (FSAMANAL), Rewards & Loyalty Credit Cards (FSAKABAH)

Keywords

• Credit card services
• Payment cards
• Employee benefit cards
• Fleet fuel cards
• Retail financial services

Headquarters

HQ city

Cambé

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Card Annual Fee (Anuidade): R$ 8.99 monthly fee charged only in months when the Crediffato card is used. The fee covers services including customer support, credit limit maintenance, data processing, and site maintenance.
2. Installment Processing: Revenue generated from flexible installment options on purchases at Super Muffato, Max Atacadista, and Auto Posto Muffato stores
3. Pet Insurance Premiums: Monthly subscription fees from Crediffato Pet insurance products - Pet Saudável at R$ 18.90/month and Pet Completo at R$ 14.90/month
4. Telemedicina Subscription: Monthly subscription fee of R$ 16.90/month for telemedicine services including virtual consultations, prescriptions, and health assistance
5. Gift Card Sales: Revenue from sale of reloadable gift cards starting at R$ 50, sold at supermarket checkout counters
6. Corporate Benefit Card Services: Revenue from企业提供员工福利卡服务，包括Cartão Convênio、Cartão Alimentação和Cartão Combustível，提供给公司客户

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Crediffato issues and manages a portfolio of branded payment cards — a consumer credit card (Cartão Crediffato), corporate benefit and meal cards (Cartão Convênio and Cartão Alimentação), a reloadable gift card (Cartão Presente), and a fleet fuel card (Cartão Combustível) — accepted exclusively within Grupo Muffato's Super Muffato, Max Atacadista, and Auto Posto Muffato retail network. It supplements these cards with subscription insurance and assistance add-ons (Crediffato Telemedicina, Crediffato Pet, and a credit protection insurance package) and delivers the experience through a 100% digital mobile app featuring QR-code-based payments, PIX-based instant limit restoration, and digital card management.

Product overview

Crediffato is a financial solutions provider for Grupo Muffato customers, operating a multi-product portfolio centered on prepaid and credit card instruments. The core offering consists of five card products: the flagship Cartão Crediffato credit card, the employer-benefits Cartão Convênio, the PAT-compliant Cartão Alimentação meal card, the reloadable Cartão Presente gift card, and the fleet-focused Cartão Combustível. These are supplemented by insurance/assistance add-ons (Crediffato Pet and Crediffato Telemedicina) and a digital app platform for card management. All products integrate with the Super Muffato, Max Atacadista, and Auto Posto Muffato retail ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Cartão Crediffato: Primary credit card product offering flexible installments, exclusive discounts, and up to 40 days to start paying at Super Muffato, Max Atacadista, and Auto Posto Muffato.
• Cartão Convênio
• Cartão Alimentação
• Cartão Presente
• Cartão Combustível
• Crediffato Seguros e Assistências
• Crediffato Telemedicina
• Crediffato Pet

Products and services

• Cartão Crediffato Flagship consumer credit card issued by Crediffato for shoppers at Super Muffato, Max Atacadista, and Auto Posto Muffato. Provides up to 40 days interest-free before payments begin, flexible installment plans, exclusive discounts, and is managed 100% digitally through the Crediffato app with QR code payments, password generation, invoice consultation, and PIX-based instant credit-limit restoration. Carries a monthly anuidade of R$8.99 charged only in months when the card is used.
• Cartão Convênio Corporate employee benefit card from Crediffato enabling employers to distribute purchasing power to employees as a digital-only card (no physical card issued) for food, bazaar, and fuel purchases at Super Muffato, Max Atacadista, and Auto Posto Muffato. Allows salary advances up to 40% of salary and supports customizable seasonal campaigns for workforce motivation.
• Cartão Alimentação Prepaid meal card issued by Crediffato for corporate employee benefits, compliant with Brazil's PAT (Programa de Alimentação do Trabalhador / Worker Food Program). Exclusively accepted for food and grocery purchases at Super Muffato and Max Atacadista stores.
• Cartão Presente Reloadable gift card sold by Crediffato starting at R$50 per load, available in thematic designs for occasions such as Mother's Day, Valentine's Day, Father's Day, Children's Day, Christmas, and Easter, as well as generic formats. Valid for 180 days with no additional fees and accepted for food and bazaar purchases at Super Muffato, Max Atacadista, and Auto Postos Muffato.
• Cartão Combustível Corporate fleet fuel card from Crediffato providing businesses with free card issuance, no maintenance fees, real-time fuel purchase monitoring, monthly reporting, flexible credit limits, and remote card activation/blocking. Accepted exclusively at Auto Posto Super Muffato fuel stations.
• Seguros e Assistências (Crediffato Protegido and Crediffato Premiável) Credit protection insurance package offered by Crediffato covering cardholders against death, accident, disability, and unemployment. Includes Crediffato Protegido (standard credit life insurance) and Crediffato Premiável (premium credit life with broader coverage), underwritten by partner Ezze Seguros.
• Crediffato Telemedicina Subscription telemedicine service from Crediffato providing 24/7 virtual medical consultations, online prescriptions, medical certificates, and medication subsidies up to R$100 per month. Priced at R$16.90 per month with a 30-day waiting period and delivered in partnership with Saúde 24H.
• Crediffato Pet Subscription pet health insurance from Crediffato offered in two tiers: Pet Saudável (R$18.90/month) covering annual check-ups, blood tests, imaging exams, and unlimited phone guidance; and Pet Completo (R$14.90/month) covering emergency transport, vaccinations, medical assistance, surgery, hospitalization, dental cleaning, physiotherapy, acupuncture, neutering, food delivery, and funeral services. Issued through partner Ezze Seguros.

Quantifiable outcome

• Up to 40 days to start paying for purchases
• +4 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• SmileGocoreTechnology or IntegrationSmileGo platform powers the digital card onboarding process for Crediffato, enabling online card applications through webv2-crediffato.onboarding.smilego.io
• Ezze SeguroscoreStrategic or Co-development PartnerAuthorized insurance provider offering Crediffato Protegido (credit protection insurance) including death, accident, unemployment, and temporary disability coverage
• SerasaminorOthersCredit bureau partnership for debt renegotiation program, enabling customers to clear names without SPC/SERASA consultation
• Saúde 24HcoreTechnology or IntegrationTelemedicine service provider powering Crediffato Telemedicina consultations via the Saúde 24H mobile application (available on iOS and Android)
• Ezze Seguros - Crediffato TelemedicinacoreStrategic or Co-development PartnerInsurance partner providing telemedicine services including virtual consultations, prescriptions, and medication subsidies
• Ezze Seguros - Crediffato PetcoreStrategic or Co-development PartnerPet insurance partnership offering Pet Saudável (R$ 18.90/month) and Pet Completo (R$ 14.90/month) plans with veterinary network access
• Assessoria GRBminorOthersAuthorized debt collection agency for Crediffato, contact: 0800 056 2419
• Tech CollectionminorOthersAuthorized debt collection agency for Crediffato
• Assessoria NacionalminorOthersAuthorized debt collection agency for Crediffato
• Quite DigitalminorOthersAuthorized debt collection agency for Crediffato

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Ticket (Edenred Brasil): Major Brazilian corporate benefit card provider (meal, food, culture, fuel) under Edenred — comparable broader incumbent to Crediffato's Cartão Alimentação, Cartão Convênio, and Cartão Combustível corporate card portfolio.
• Nubank: Brazil's largest digital bank offering credit cards, accounts, and personal loans via mobile app — comparable as a broader Brazilian fintech incumbent with credit card issuing at scale, though operating independently of a retail anchor.
• PagBank (PagSeguro): Brazilian payments and digital banking platform from PagSeguro offering acquiring, issuing, and account services — comparable as a broader fintech infrastructure competitor to Crediffato's card issuing and payment capabilities, though with wider product scope.

Direct peers

• MagaluPay (Magazine Luiza): Magazine Luiza's fintech arm offering MagaluPay cards and financial products integrated with its retail ecosystem — directly comparable to Crediffato as a Brazilian retail-affiliated card issuer and digital wallet serving captive customers.
• Lojas Renner Financial Services: Lojas Renner's branded credit card and Meu Cartão Renner product — comparable Brazilian retailer-issued card with installment options, loyalty benefits, and exclusive acceptance within its store network.
• VR Benefícios: Brazilian leader in corporate meal (PAT) and food benefit cards — directly comparable to Crediffato's Cartão Alimentação and Cartão Convênio B2B benefit card offerings for employer clients.
• C&A Pay (C&A Modas): C&A Brazil's branded credit card and financial services offering for apparel retail customers — directly comparable as a retailer-issued card product targeting captive customer base with installment and loyalty features.
• Riachuelo Pay / Midway Financeira: Riachuelo's branded credit card and financial services arm (Midway Financeira) — directly comparable as a Brazilian retail conglomerate's captive card issuer and consumer credit provider.
• Ame Digital (Americanas): Digital wallet and financial services platform from Lojas Americanas serving its retail customer base — directly comparable to Crediffato's role as a retailer's financial services arm with co-branded cards and digital payments.

Emerging players

• Trigg (formerly Z1): Brazilian digital-first credit card and consumer finance startup targeting younger consumers with app-based management — comparable as an emerging Brazilian fintech issuer with digital-only onboarding and installment products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/messages/t/107591473994493
• LinkedInlinkedin.com/company/crediffato

Compliance3 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 Crediffato