Payco Servicos Ltda
Payco Serviços LTDA (Payments by Payco) is a São Paulo-based Brazilian payment gateway enabling merchants to accept Pix, credit/debit cards, Open Finance, and boleto via e-commerce plugins, APIs, and Tap on Phone softPOS, primarily serving SMB e-commerce plus retail and real estate verticals.
- Company typePrivate
- Founded-
- HeadquartersMarília, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Payco Servicos Ltda does
Payco Serviços LTDA, operating commercially as Payments by Payco, is a Brazilian payment gateway provider headquartered in São Paulo that enables merchants to accept payments via Pix, credit and debit cards, Open Finance, and boleto bancário. The platform combines a transaction-processing gateway with e-commerce platform plugins (Magento, WooCommerce, Uappi, WHMCS, with Nuvemshop, Shopify, VTEX, Wix, PrestaShop, Loja Integrada, E-com.plus, and OpenCart integrations launched across 2024), direct REST APIs documented on Postman, and a self-serve merchant dashboard. Differentiated product features include Tap on Phone (NFC-based softPOS turning Android handsets into contactless card terminals, with an iPhone version in development), Pix PDV for QR-based in-person Pix acceptance, split payments for marketplace flows, recurring payments (notably for real estate rent collection), Open Finance bank-debit integration, abandoned cart recovery via WhatsApp, and offline payment fallback.
The business model is transaction-fee based with public, transparent pricing: 0.89% per Pix transaction, 4.89% per credit card transaction, and a fixed R$3.79 per boleto, with no fixed monthly fees, no minimum volume, and "cancel anytime" terms for the standard tier. Merchants transacting above R$100,000 per month receive personalized pricing, tiered volume discounts, and a dedicated account manager under multi-year contracts. The go-to-market is API-first and product-led: merchants self-onboard through the dashboard, integrate via pre-built plugins or APIs, and access humanized support through a public Discord channel — with inside-sales phone support for enterprise inquiries. Target customers span seven verticals — e-commerce (primary), retail, real estate, food and beverage, transportation, manufacturing, and marketplaces — with the largest customer base concentrated on WooCommerce (70,000+ merchants on the platform) and Nuvemshop (65,000+ Latin American merchants). Card acceptance is enabled through direct relationships with Visa, Mastercard, Elo, and American Express, and the company is LGPD-compliant under Brazilian data protection law.
Payco Servicos Ltda firmographics
Firmographics- Name
- Payco Servicos Ltda
- Legal name
- Payco Serviços LTDA
- Website
- https://www.payco.com.br
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Payco Serviços LTDA (Payments by Payco) is a São Paulo-based Brazilian payment gateway enabling merchants to accept Pix, credit/debit cards, Open Finance, and boleto via e-commerce plugins, APIs, and Tap on Phone softPOS, primarily serving SMB e-commerce plus retail and real estate verticals.
- Ownership category
- akta.pro rank
Payco Servicos Ltda industry classification
Industry- Product category
- Payment Gateway Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Payco Servicos Ltda is headquartered
LocationHeadquarters
- HQ city
- Marília
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Payco Servicos Ltda business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Payment Transaction Fees: Takes a percentage fee on each successful transaction processed through the gateway. Fees vary by payment method: 0.89% for Pix, 4.89% for credit cards, R$3.79 fixed for boleto. No fixed monthly costs or minimum transaction requirements.
- Volume-based Custom Pricing: For merchants transacting over R$100,000 monthly, personalized pricing is negotiated based on volume and sector. Includes dedicated account manager and tiered discounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard - Entry level for all merchants |
| Transaction based/ take rate | Multi-year contract | Enterprise/High Volume - For merchants transacting R$100k+ monthly |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Payco Servicos Ltda product offering
Product offeringCore offering
Payco Serviços LTDA, doing business as Payments by Payco, operates a Brazilian payment gateway enabling businesses to accept online and in-person payments via Pix, credit cards, Open Finance, and boleto bancário. The platform is distributed through self-serve signup, e-commerce platform plugins (Magento, WooCommerce, Uappi, WHMCS, Nuvemshop, among others), and direct API integrations, and includes capabilities such as recurring payments, payment links, split payments, Pix PDV, and Tap on Phone.
Product overview
Payments by Payco is a payment gateway platform offered by Payco Serviços Ltda serving multiple sectors including e-commerce, real estate, retail, transportation, food service, and marketplaces. The core product is the Payments by Payco Gateway, which enables acceptance of Pix, credit card, Open Finance, and bank slip payments. The platform operates through a unified ecosystem combining the gateway with various features including payment links, custom checkout, recurring payments, abandoned cart recovery via WhatsApp, Pix PDV, split payments, and Tap on Phone for mobile POS functionality. Integration is available through plugins for major e-commerce platforms (Magento, WooCommerce, Uappi, WHMCS) and direct API access, with additional platform integrations (Nuvémshop, Shopify, VTEX, Wix) announced for 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments by Payco Gateway Core payment gateway that enables Brazilian merchants to accept online and in-person payments via Pix, credit card, Open Finance, and boleto bancário, with plugins for major e-commerce platforms and direct API access.
- Payment Links Shareable payment links that allow businesses to collect payments remotely via email, SMS, or WhatsApp without requiring an online store.
- Custom Checkout Customizable checkout pages for e-commerce merchants to optimize conversion and align with brand experience.
- Recurring Payments Automated recurring payment collection for subscriptions, rents, and installment payments, supporting predictable cash flow for merchants such as real estate agencies.
- Abandoned Cart Recovery with WhatsApp WhatsApp-based notification service that enables merchants to recover abandoned shopping carts through direct customer outreach.
- Pix PDV Point-of-sale Pix acceptance via QR code, enabling merchants to accept in-person Pix payments without traditional POS terminals and mitigating Pix fraud.
- Split Payments Payment split functionality that divides transactions (e.g., Pix to credit card) across multiple recipients, suited to marketplace and multi-party models.
- Tap on Phone NFC-based mobile payment solution that transforms Android phones into contactless card payment POS terminals (iPhone version in development).
- Open Finance Integration Integration with Brazil's Open Finance framework enabling direct debit from customer bank accounts and seamless fund transfers, used in real estate rent collection.
- Offline Payments Payment processing capability that continues operating during internet connectivity failures, supporting 985+ device types for retail merchants.
Quantifiable outcome
- 985+ device types supported for retail merchants
- +1 more outcomes
Companies that use Payco Servicos Ltda
Customer profileSegments7 records
Ideal customer profiles5 records
Payco Servicos Ltda technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature9 records
Payco Servicos Ltda partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Magento (Adobe Commerce)coreNative module integration for Magento 2 e-commerce platform. Enables credit card and Pix payments for over 4,000 Magento merchants. Source code available on GitHub.
- WooCommercecoreOfficial WordPress plugin (Virtuaria Payments by Payco) for WooCommerce. Supports 70,000+ WooCommerce merchants in Brazil with Pix, credit card, and other payment methods.
- NuvemshopcoreIntegration with Nuvemshop platform serving 65,000+ Latin American merchants. Integration planned for June 2024.
- ShopifycoreIntegration planned for Shopify platform serving 40,000+ merchants in Brazil. Planned availability August 2024.
- VisacoreCard network partnership enabling Visa credit and debit card acceptance through the Payments by Payco gateway.
- MastercardcoreCard network partnership enabling Mastercard credit and debit card acceptance through the Payments by Payco gateway.
- ElocoreBrazilian card network partnership enabling Elo credit and debit card acceptance through the Payments by Payco gateway.
- American ExpresscoreCard network partnership enabling American Express card acceptance through the Payments by Payco gateway.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Payco Servicos Ltda competitors and assessment
Company assessmentBroad incumbents
- Rede (Itaú): Rede is the acquirer of Itaú Unibanco, providing POS, e-commerce gateway and Pix acceptance for SMB and enterprise merchants — a broad incumbent in Brazilian card acquiring with overlapping gateway capabilities.
- Cielo: Cielo is Brazil's largest traditional card acquirer, offering gateway, POS and ecommerce payment acceptance at national scale — a broader incumbent whose omnichannel acquiring business overlaps Payco's gateway focus but spans much larger enterprise customers.
Direct peers
- EBANX: EBANX is a Brazilian-founded cross-border payment processor offering Pix, credit card and boleto acceptance for global merchants selling into Brazil — a relevant peer in payment-method breadth and Latin America merchant onboarding.
- PagBank / PagSeguro: PagBank is one of Brazil's largest full-stack payment acquirers and digital banks offering Pix, credit card and boleto acceptance for e-commerce and retail SMBs, with deep plugin coverage across major platforms — directly comparable to Payments by Payco's offering.
- Asaas: Asaas is a Brazilian payment platform specializing in Pix, boleto, credit card and recurring billing for SMBs, with strong focus on subscription and automated collections — directly overlapping Payco's recurring-payments and SMB gateway positioning.
- Mercado Pago: Mercado Pago is the largest Brazilian digital wallet and payment gateway, supporting Pix, credit cards, boleto and Open Finance with broad e-commerce plugin coverage and aggressive SMB pricing — the dominant direct competitor to Payco's target market.
- Pagar.me: Pagar.me is a Brazilian online payment gateway (owned by Stone) focused on e-commerce, marketplaces and split payments, with Pix, credit card and boleto support — closely matching Payco's API-first e-commerce gateway model.
- Stone Co. Stone operates a Brazilian acquiring and banking platform combining POS hardware with payment gateway capabilities for SMB and enterprise merchants, including Tap on Phone style mobile acceptance — a structural peer for Payco's retail and e-commerce gateway business.
Emerging players
- Vindi: Vindi is a Brazilian recurring billing and online payments platform focused on subscription businesses with Pix, credit card and boleto support — an emerging specialist peer for Payco's recurring-payments and SMB e-commerce offering.
- Yapay: Yapay is a Brazilian online payment gateway serving e-commerce SMBs with Pix, credit card and boleto acceptance and broad platform integrations — an emerging mid-market peer with comparable SMB gateway positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Payco Servicos Ltda social profiles
Digital presencePayco Servicos Ltda compliance and trust
Trust signalCompliance1 record
Payco Servicos Ltda financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payco Servicos Ltda leadership team
Management profileNumber of profiles
Profiles1 record
Payco Servicos Ltda funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payco Servicos Ltda 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 Payco Servicos Ltda
What does Payco Servicos Ltda do?
Payco Serviços LTDA, doing business as Payments by Payco, operates a Brazilian payment gateway enabling businesses to accept online and in-person payments via Pix, credit cards, Open Finance, and boleto bancário. The platform is distributed through self-serve signup, e-commerce platform plugins (Magento, WooCommerce, Uappi, WHMCS, Nuvemshop, among others), and direct API integrations, and includes capabilities such as recurring payments, payment links, split payments, Pix PDV, and Tap on Phone.
Is Payco Servicos Ltda a public or private company?
Payco Servicos Ltda is a private company. It is classified as unknown and is currently operating.
When was Payco Servicos Ltda founded?
Payco Servicos Ltda was founded in -1. It employs 1 to 10 people.
Where is Payco Servicos Ltda based?
Payco Servicos Ltda is headquartered in Marília, Brazil, in the Latin America region.
How does Payco Servicos Ltda make money?
Two revenue lines are on record. Payment Transaction Fees are the primary driver. The others are volume-based Custom Pricing.
Who are Payco Servicos Ltda's main competitors?
Broad incumbents on record are Rede (Itaú) and Cielo. Direct peers are EBANX, PagBank / PagSeguro, Asaas, Mercado Pago, Pagar.me and Stone Co.. Emerging players are Vindi and Yapay.
Does Payco Servicos Ltda have an API?
Yes. Payments by Payco offers API integration for developers to connect their e-commerce platforms or applications to the payment gateway. The API supports Pix, credit card payments, and other payment methods. Support is available via Discord channel, phone, and email. Developer documentation is at documenter.getpostman.com/view/12353880/2sA2rDxLu5.
What industry is Payco Servicos Ltda in?
Payco Servicos Ltda's product category is Payment Gateway Services. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 522320 and its SIC code is 6199.