What Necta.Co does

Necta.Co is a Brazilian multi-acquirer payment hub that provides a unified API and orchestration layer over 12+ acquirers and sub-acquirers operating in Brazil. The company was founded in 2020 and is headquartered in São Paulo, operating with a lean team of 5 employees. Its platform normalizes acquirer differences behind a single integration, exposing features such as hierarchical split payments for marketplaces, normalized webhooks, and recurring billing — capabilities specifically designed to serve vertical marketplaces, ERPs and management software platforms, fintechs, and franchise networks. The product surface spans 14+ modules including anti-fraud, chargeback management, split payments, recurring billing, and financial management tooling.

The underlying technology is built as an acquirer-agnostic orchestration layer that abstracts acquiring complexity and offers a single contract and settlement experience for merchants. Necta.Co monetizes via transaction-based pricing tied to processed payment volume, aligning its revenue with customer TPV. The platform reports 847 active sellers and processes hundreds of transactions daily, with sample merchants showing monthly volumes ranging from R$32k to R$124k. The company is bootstrapped with no disclosed external funding rounds, which is unusual at this customer count and signals either capital efficiency or constrained go-to-market investment.

The company serves four distinct customer segments — vertical marketplaces, ERPs/management software, fintechs, and franchise networks — each with different integration and payment-routing requirements. This multi-segment focus requires Necta.Co to maintain broad acquirer coverage and flexible split-payment logic, which is the core technical differentiator versus single-acquirer or gateway-only competitors. The lean 5-person team operating 14+ modules and 12+ integrations indicates high operational leverage but also a high execution risk if key engineers leave.

Name

Necta.Co

Legal name

Necta.Co

Website

https://nectaco.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Necta.Co is a Brazilian multi-acquirer payment hub founded in 2020 that provides a unified API orchestrating 12+ acquirers for vertical marketplaces, ERPs, fintechs, and franchise networks, monetizing via transaction-based fees across 14+ platform modules.

Ownership category

akta.pro rank

Product category

Payment Orchestration

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Payment Processing & Acquiring Infrastructure (FSAGABAC)

akta.pro secondary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Multi-acquirer payment hub
• Payment orchestration platform
• Marketplace payment infrastructure
• Brazilian payment processing
• Sub-acquirer enablement

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-Based Pricing: Revenue derived from transaction fees charged on payment volume processed through the platform. Pricing is customized per client based on transaction volume, number of marketplaces, and specific modules contracted. Each marketplace is linked to a gateway with its own fee plan, allowing configurable pricing per level.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Necta.Co provides a multi-acquirer payment hub platform that enables marketplaces, fintechs, ERPs, and franchise networks to connect once via a single REST API to multiple payment acquirers, sub-acquirers, and BIN sponsors. The platform includes modules for onboarding, payments, POS, settlement/liquidação, split engine, marketplace hierarchy, white-label checkout, role-based access control, fee plans, BI dashboards, normalized webhooks, audit trails, and payment links. Pricing is transaction-based and customized per client based on transaction volume, number of marketplaces, and specific modules contracted. The company also operates as a sub-acquirer itself, offering payment link issuance and end-to-end payment processing capabilities.

Product overview

Necta.Co is a multi-acquirer payment hub designed for marketplaces and fintechs, offering a single unified API integration that connects to 12+ payment acquirers. The platform operates as a modular architecture with the Necta Platform as the core, supplemented by add-on modules including Onboarding (KYC for PF/PJ with document validation), Payments (PIX, card, boleto, split), POS Terminal Management, Settlement Reconciliation, Split Engine, Marketplace Hierarchy, RBAC with Impersonation, Fee Plans, White-Label Checkout, BI & Dashboards, Normalized Webhooks, Audit Trail, Security Features, and Payment Links. All modules share a common REST API with human-readable parameters, allowing marketplaces to switch acquirers via configuration rather than re-integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Necta Multi-Acquirer Payment Hub Platform A B2B SaaS payment orchestration platform that connects marketplaces, fintechs, ERPs, and franchise networks to multiple payment acquirers, sub-acquirers, and BIN sponsors through a single REST API. Includes modules for onboarding, payments, POS, settlement (liquidação), split engine, marketplace hierarchy, white-label checkout, RBAC with impersonation, fee plans, BI & dashboards, normalized webhooks, audit trails, and payment links. Customers contract based on transaction volume, number of marketplaces, and modules selected.
• Sub-Acquirer and Payment Link Issuance Service Necta also operates as a sub-acquirer itself, enabling it to issue payment links and process transactions end-to-end, supporting fintechs and IPs in formation that need sub-acquirer infrastructure without their own acquirer relationships.

Quantifiable outcome

• ~15 minutes initial setup per marketplace
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

One partnership is on record.

• Acquirers (12+ integrated)coreTechnology or IntegrationNecta maintains active integrations with 12 or more payment acquirers operating in the Brazilian market. These integrations are in production and rollout stages. Examples shown include Adquirente A, B, C, D in the dashboard interface. The integrations enable processing of PIX, credit card (with installments), debit, and boleto payments.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Braspag (PagBank): Established Brazilian payment processor and gateway owned by PagBank, offering multi-acquirer routing, split, and reconciliation. A larger incumbent with broader product portfolio overlapping Necta's orchestration offering.
• Adyen: Global payment platform with unified processing across acquirers, PSPs, and instruments, plus marketplace and platform features. Operates as a broader incumbent; competes for the same enterprise marketplace RFPs as Necta in LATAM.
• Stone Co. Major Brazilian acquirer with an expanding fintech platform offering POS, banking, and software services. Competes as a vertically integrated acquirer; its gateway stack partially overlaps with Necta's multi-acquirer pitch.
• Dock: Brazilian payments technology company providing processing, issuing, and orchestration infrastructure for banks and fintechs. Overlaps in multi-acquirer and account management capabilities targeting enterprise platforms.

Direct peers

• Pismo: API-first payment orchestration and core banking platform acquired by Visa. Closest direct competitor: multi-acquirer routing, split engine, and marketplace hierarchy aimed at banks, fintechs, and large platforms in Latin America.
• Celcoin: Brazilian fintech infrastructure provider with multi-PSP connectivity, PIX orchestration, and sub-acquirer APIs for marketplaces and B2B platforms. Overlaps directly with Necta's acquirer-agnostic hub value proposition.
• Yuno: Payment orchestration layer operating across LATAM with single API to multiple acquirers, smart routing, and unified reconciliation. Competes head-to-head for marketplace and enterprise platform customers.
• Zoop: Brazilian payment orchestration platform offering split payments, multi-acquirer routing, and white-label checkout for marketplaces, franchises, and SaaS platforms, directly addressing Necta's core customer segments.
• Cobre (formerly Conekta.io): LATAM-focused payment orchestration platform providing multi-processor connectivity, reconciliation, and marketplace payouts to enterprise platforms across Latin America. Comparable in API-first approach and marketplace tooling.

Regional players

• EBANX: LATAM-focused cross-border payment processor connecting global merchants to Brazilian payment methods. Operates in the same regional ecosystem as Necta but from a different angle (cross-border vs. domestic orchestration).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nectaco
• Instagraminstagram.com/nectaco_

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 Necta.Co