Viasoft Pay

What Viasoft Pay does

Viasoft Pay (legal name: VSB Soluções em Tecnologia LTDA, CNPJ 37.542.204/0001-64) is a Brazilian employee benefit card administrator founded in 2020 and headquartered in Pato Branco, Paraná. The company issues and manages multi-benefit cards for corporate clients, currently serving more than 2,200 contracting companies and 120,000+ cardholding employees across 600+ cities in the Sul, Centro-Oeste, and Sudeste regions of Brazil. Its product portfolio spans seven distinct benefit verticals — Refeição (meal), Alimentação (food), Cultura (culture), Mobilidade (mobility), Premiação/award-incentive), Gift Card, and Corporate Card — which can be issued as standalone products or consolidated into a single Multipay unified card.

The platform is built on AWS cloud infrastructure, includes a mobile application for cardholders and merchants, and operates an AI-powered customer support layer providing 24/7 first-line service with human escalation within 15 minutes. Card issuance and competitor migration are completed in 10 business days. The company is an associate of ABBT (the Brazilian benefits industry association) and holds a Mastercard partnership that supports branded card issuance with international acceptance. Viasoft Pay holds a 4.82/5 customer satisfaction rating.

Viasoft Pay monetizes primarily through Merchant Discount Rate (MDR) on cardholder transactions at affiliated merchants, supplemented by enterprise-level contract fees. The contracting model is explicitly zero-cost to the employer: companies pay no setup, monthly, or per-employee fees, so the provider's revenue is tied entirely to merchant-side transaction economics. Distribution is direct sales-led with a deliberate geographic concentration in three Brazilian macro-regions rather than nationwide coverage. The company is privately held, with no disclosed funding rounds, and operates with a lean team of 1–10 employees.

Name

Viasoft Pay

Legal name

VSB Soluções em Tecnologia LTDA

Website

https://viasoftpay.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

Viasoft Pay is a Brazilian employee benefit card administrator serving 2,200+ companies and 120,000+ employees across 600+ cities in the Sul, Centro-Oeste, and Sudeste regions, issuing multi-benefit cards under a zero-cost enterprise model and generating revenue from merchant transaction fees.

Ownership category

akta.pro rank

Product category

Employee Benefits Administration

NAICS

Credit Card Issuing (522210), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSABALAC

Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Banking Operations & Shared Services (Back Office, BPO/SSC)

Keywords

• Employee benefit cards
• Corporate payment solutions
• Meal voucher administration
• Multi-benefit card platform
• Corporate expense cards

Headquarters

HQ city

Pato Branco

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Card Administration Services: Viasoft Pay earns revenue by charging establishments (merchants) a Merchant Discount Rate (MDR) on transactions processed through their cards. The company also generates revenue from enterprise clients for card administration services, though the service is marketed as R$ 0 cost to the contracting company, suggesting MDR revenue subsidizes the service.
2. Enterprise Contract Fees: Revenue derived from contractual agreements with companies for benefit card administration. Pricing varies per client and is documented in individual Termo de Adesão contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Viasoft Pay administers corporate employee benefit cards for Brazilian companies, issuing physical cards across seven product lines (Vale-Alimentação, Vale-Refeição, Cartão Corporativo, Premiação, Multibenefícios, Auxílio Combustível, Gift Card) that can be consolidated onto a single Multipay card. The company provides HR portal access, a proprietary employee mobile app for balance and card management, AI-powered 24/7 support, and a credentialed merchant network across 600+ cities in Brazil's Sul, Centro-Oeste, and Sudeste regions. Cards are delivered within 10 business days at zero cost to the contracting enterprise, with revenue generated from Merchant Discount Rate (MDR) on transactions.

Product overview

Viasoft Pay is a Brazilian employee benefit card administrator offering a portfolio of seven distinct benefit products plus a unified card platform called Multipay. The core offering is the Multipay card, which consolidates multiple benefit types (Vale-Alimentação, Vale-Refeição, Multibenefícios, Premiação, and Combustível) onto a single physical card with a companion app. Individual products can also be issued as standalone cards. The company serves corporate clients and operates a credentialed merchant network, with presence in the Southern, Central-West, and Southeastern regions of Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Multipay A unified benefit card that consolidates multiple benefit types (Vale-Alimenta\u00e7\u00e3o, Vale-Refei\u00e7\u00e3o, Multibenef\u00edcios, Premia\u00e7\u00e3o, and Combust\u00edvel) onto a single physical card, accompanied by a proprietary mobile app for balance checking, real-time statement viewing, and instant card blocking. New benefits can be added to the same card without re-issuance. Designed for Brazilian companies offering multiple employee benefits.
• Vale-Alimenta\u00e7\u00e3o Food voucher benefit card accepted at supermarkets, bakeries, and butcher shops, available under the PAT (Programa de Alimenta\u00e7\u00e3o do Trabalhador) program or as direct assistance. For Brazilian companies providing food allowances to employees.
• Vale-Refei\u00e7\u00e3o Meal voucher benefit card accepted at restaurants, snack bars, and delivery services, available under the PAT program or as direct assistance. For Brazilian companies providing meal allowances to employees.
• Cart\u00e3o Corporativo Corporate expense card for company-controlled spending, eliminating the need for employee reimbursement processes. For Brazilian companies managing business expenses on behalf of employees.
• Premia\u00e7\u00e3o Award and recognition card used for campaigns, goal achievement, and employee recognition programs, structured under art. 457 of the CLT (Brazilian labor law). For Brazilian companies running employee incentive and recognition initiatives.
• Multibenef\u00edcios Multi-benefit card combining multiple spending categories to help companies support employees across various needs. For Brazilian companies seeking a flexible multi-purpose benefit solution.
• Aux\u00edlio Combust\u00edvel Fuel assistance card accepted at gas stations for team transportation and light fleet needs. For Brazilian companies providing fuel support to employees and small fleets.
• Gift Card Corporate gift card for commemorative dates and marketing campaigns, allowing employees to choose where to spend, with single or recurring reload options. For Brazilian companies running gifting and incentive campaigns.

Named customers11 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

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• ABBT (Associação Brasileira das Empresas de Benefícios ao Trabalhador)coreOthersViasoft Pay is an associate member of ABBT, the Brazilian Association of Employee Benefit Companies. This membership provides industry credibility, networking with other benefit providers, and alignment with industry standards and best practices.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS provides cloud infrastructure for Viasoft Pay's data storage and processing. Data is stored on AWS servers in Brazil and the United States, with standard contractual clauses ensuring LGPD-compliant data protection levels.
• MastercardcoreTechnology or IntegrationSome Viasoft Pay cards carry the Mastercard brand, enabling acceptance wherever Mastercard is accepted internationally, in addition to the proprietary merchant network.

Scale indicators6 records

Direct peers

• VR Benefícios: Brazilian-origin benefit card issuer specializing in Vale-Refeição, Vale-Alimentação, and multibenefícios, with national merchant network and corporate sales coverage—comparable product mix and target market to Viasoft Pay.
• Alelo: Brazilian benefits and corporate card issuer (Ale Combustíveis / Bradesco ecosystem), offering VA, VR, multibenefícios, premiação and corporate cards with broad merchant acceptance—directly competing with Viasoft Pay's product line.
• Sodexo (Pluxee Brasil): Global benefits and meal voucher operator with a major Brazilian presence (now operating as Pluxee), issuing VA/VR, gift, and mobility cards to corporate clients with national acceptance—directly overlapping with Viasoft Pay's core offerings.
• Ticket Log (Edenred Brasil): Brazil's largest benefit and fleet card administrator (Edenred group), offering Vale-Alimentação, Vale-Refeição, multibenefícios, fuel, and corporate cards with national merchant coverage—directly comparable to Viasoft Pay's full product portfolio.

Emerging players

• Caju Benefícios: Brazilian benefits platform offering multibenefícios cards with flexible categories, targeting mid-market employers—directly comparable to Viasoft Pay's Multibenefícios and Multipay products.
• iFood Benefícios: Digital-first Brazilian benefits platform owned by iFood, offering VA/VR and flexible benefits cards to corporate clients; competes with Viasoft Pay in the mid-market with strong brand and tech positioning.
• Swile: France-origin benefits and engagement platform that has expanded into Brazil, offering multibenefícios cards and employee engagement tools—an emerging cross-border competitor to Viasoft Pay.
• Flash Benefícios: Brazilian prepaid benefits and corporate card startup (Flash), offering flexible multi-category benefit cards to employers—competes with Viasoft Pay's consolidated card concept in the mid-market.
• Ben (Visa): Brazilian Visa-backed benefits card platform offering VA/VR and multibenefícios products to corporate clients with Visa acceptance—competes with Viasoft Pay's Multipay consolidated card concept.

Others

• ABBT (Associação Brasileira das Empresas de Benefícios ao Trabalhador): Brazilian industry association of employee benefit companies, of which Viasoft Pay is a member; not a competitor but a relevant ecosystem/industry-body peer that signals industry standing.

Market position

Strengths5 records

Weaknesses4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/viasoft-pay-oficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Viasoft Pay