assas gestao financeira

What assas gestao financeira does

Asaas Gestão Financeira is a Brazilian payment institution (legal name: ASAAS Gestão Financeira Instituição de Pagamento S.A.) founded in 2017 and headquartered in Joinville, Santa Catarina. The company operates as a Sociedade de Crédito Direto (SCD) authorized by the Banco Central do Brasil under code 461, providing a regulated digital financial platform for Brazilian businesses (Pessoa Jurídica / PJ) and self-employed professionals (MEI). Its product is a unified suite built around a no-monthly-fee digital business current account (Conta Digital PJ), extended with multiple payment acceptance rails — Pix (instant settlement in up to 10 seconds), boleto bancário, credit and debit card processing, Asaas Tap (contactless tap-to-pay), and shareable payment links — together with collection automation (Régua de Cobrança, Serasa negative-bureau reporting), receivables advancement (Antecipação de Recebíveis), electronic invoice automation (Nota Fiscal), a multi-user cloud ERP module, and a Mastercard-branded debit card. A REST API with split-payment, whitelabel, and webhook capabilities addresses enterprise and platform customers.

The business model is transaction-based with no monthly subscription: revenue is generated primarily through per-transaction fees on Pix, credit/debit card, boleto, and payment-link transactions, supplemented by interest income from receivables advancement and licensing/royalty revenue from enterprise API and whitelabel deployments. Distribution is predominantly product-led growth through self-serve free account creation on asaas.com.br, supplemented by mobile apps, content marketing, and a partner/referral program; enterprise customers are acquired via API integration and field sales. The customer base spans long-tail SMBs and MEIs alongside named enterprise accounts such as Minerva Foods, Mahle, Würth, Hostgator, Shopify, Nuvemshop, and Rodobens, with 3.6 million+ accounts created and R$ 158.9 billion in cumulative volume processed.

The company is private and venture-backed by SoftBank (SoftBank Latin America Fund), Endeavor, 23S, Parallax, Cventures, Spectra, Escala Capital, Quartzo Capital, Bond, and Bradesco's corporate venture arm Inovabra. It holds PCI-DSS compliance, is listed on Visa's Global Registry of Service Providers, and is RA1000-certified by ReclameAqui. Operating geography is currently Brazil-only.

Name

assas gestao financeira

Legal name

ASAAS Gestão Financeira Instituição de Pagamento S.A.

Website

https://asaas.com.br

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Asaas is a Brazil-licensed digital payment institution (SCD) providing a no-monthly-fee business account with Pix, card, boleto, and tap-to-pay acceptance, plus collections automation, receivables financing, ERP, and an enterprise REST API, serving SMBs, MEIs, and platform customers in Brazil.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Software Publishers (513210)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Finance Services (6199), Miscellaneous Business Credit Institution (6159), Services-Computer Processing & Data Preparation (7374)

akta.pro industry

PRIMARYBPAMAFAF

Bill Pay, Invoicing & Payables Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

SECONDARYFSAMAFAB

A2A Payment Initiation Service Providers (PISPs)

Financial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments

SECONDARYFSAMAJAA

Biller Direct EBPP Platforms

Financial & Insurance/Payments & Transaction Processing/Bill Pay & Presentment (EBPP)

SECONDARYFSAGALAC

Embedded Card Issuing & Card-as-a-Service

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

Keywords

• Digital payment processing
• Business banking platform
• Payment gateway services
• Merchant financial management
• Accounts receivable automation

Headquarters

HQ city

Joinville

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees - Pix: Transaction fees charged per Pix payment processed through the platform
2. Transaction Fees - Card (Credit/Debit): Fees on credit card (32-day settlement) and debit card (3-day settlement) transactions
3. Transaction Fees - Boleto: Fees on boleto bancário payments with 1-day settlement
4. Link de Pagamento: Fees on payment links shared via website or social media
5. Receivables Advance: Interest-based revenue from advancing receivables on installment and card payments at rates cheaper than traditional loans
6. Digital Account Services: Free account with 30 free transfers, credit card without annual fee, and optional withdrawals at Banco24Horas ATMs
7. Tax and Bill Payment: Fees for paying taxes, utility bills, and supplier invoices via the platform
8. API and Whitelabel: Enterprise solutions including split payments, webhooks, and whitelabel capabilities for system integrators and large platforms

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Asaas provides a no-monthly-fee digital business account (Conta Digital PJ) for Brazilian companies and self-employed professionals, combined with multi-rail payment acceptance (Pix, boleto, credit/debit card, tap-to-pay, payment links) and integrated financial management tools including automated collections, receivables advance, e-invoicing, and a cloud ERP. Enterprise customers can embed the platform via REST API, split payments, and whitelabel solutions.

Product overview

Asaas is a unified digital financial management platform built around a core digital business account (Conta Digital PJ), supplemented by multiple integrated payment and financial modules. The core account provides a no-fee business current account with an associated Mastercard debit card. This core is then extended by a suite of payment acceptance tools: Pix (instant QR code payments), Boleto Bancário (bank tickets), Cobrança por Cartão (credit/debit card processing including Asaas Tap tap-to-pay), and Link de Pagamento (shareable payment links). On the collections side, the Régua de Cobrança (automated collection sequence) uses multi-channel reminders to reduce defaults, while the Negativação no Serasa module enables credit bureau reporting. Additional value-add modules include Antecipação de Recebíveis (receivables financing), Nota Fiscal automation (e-invoicing), a full ERP for receivables and inventory management, and a REST-based API for developers to embed all these capabilities into external systems. The platform is positioned as an all-in-one alternative to fragmented banking, payment gateway, and collection tool stacks.

Differentiator

Problem solved

Functional benefit

Products and services

• Conta Digital PJ A no-monthly-fee digital business account (PJ) for Brazilian companies and self-employed professionals, offering free monthly movements, a no-annual-fee Mastercard debit card, money transfers, and supplier payments.
• Pix por Cobrança (Pix) Instant Pix payment acceptance for businesses, with funds deposited into the Asaas account in up to 10 seconds, available 24/7, via dynamic QR code or shareable payment link.
• Boleto Bancário Bank ticket (boleto) payment acceptance for businesses, with funds available in the Asaas account within 1 business day after payment.
• Cobrança por Cartão Credit and debit card payment acceptance for online and in-person sales, including installment plans and recurring billing, with 32-day settlement for credit card charges.
• Asaas Tap Tap-to-pay contactless payment solution that enables card payments via smartphone for in-person transactions.
• Link de Pagamento Shareable payment link for online sales, allowing customers to pay via card or Pix directly from a URL shared via website or social media.
• Nota Fiscal (Automação Fiscal) Automated electronic invoice management service that allows businesses to enter company data once and have fiscal documents generated automatically, eliminating manual paperwork.
• Antecipação de Recebíveis Advance on receivables from installment credit card and bank ticket sales, providing cash flow liquidity without requiring a traditional loan.
• Régua de Cobrança Automated collection sequence that sends payment reminders via WhatsApp, email, SMS, and voice robot before and after due dates, reducing default rates by approximately 80%.
• ERP (Gestão Empresarial) Cloud-based ERP module with no user limit, managing receivables, sales tracking, and inventory control in a single online platform.
• API de Pagamentos REST API for integrating Asaas payment solutions into external systems, supporting split payments, whitelabel deployments, and webhook-based event notifications.
• Cartão Asaas Business debit card with no annual fee linked directly to the Asaas account balance, accepted for online and offline purchases and ATM withdrawals via the Banco24Horas network.
• Negativação no Serasa Debt collection service that enables negative credit reporting to Serasa, offering a more practical and cost-effective alternative to bank ticket protest for recovering overdue balances.

Quantifiable outcome

• 80% reduction in default/inadimplência rates through automated collection notifications
• +3 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• Banco Central do BrasilcoreOthersBrazilian Central Bank authorized Asaas as a Sociedade de Crédito Direto (Direct Credit Company), code 461, providing regulatory legitimacy and oversight
• Banco24HorascoreOthersATM network allowing Asaas cardholders to withdraw cash from Banco24Horas machines nationwide
• MastercardcoreOthersCard network partner for Asaas branded credit cards with Mastercard acceptance

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PagSeguro: PagSeguro is a major Brazilian digital payments platform offering accounts, Pix, card processing, and financial management for SMBs and individuals — the closest analogue to Asaas in terms of product breadth, target SMB/MEI segment, and digital-first GTM.
• iugu: iugu was a Brazilian payment and recurring-billing platform for SMBs and SaaS, now part of Stone, offering subscription billing, invoicing, and split payments — directly comparable to Asaas' Link de Pagamento, ERP, and API offerings.
• Pagar.me: Pagar.me is a Brazilian payment processor and digital account platform owned by Stone, focused on e-commerce and platform merchants with API-based payment processing and split payments — directly comparable to Asaas' API enterprise/whitelabel offering.

Broad incumbents

• Cielo: Cielo is one of Brazil's largest card acquirers and payment processors, serving merchants of all sizes. As a broad incumbent, it competes with Asaas on card processing and is increasingly expanding into Pix and digital banking for SMBs.
• Mercado Pago: Mercado Pago is the fintech arm of Mercado Livre, offering digital accounts, Pix, card processing, and credit to Brazilian merchants and consumers. Its marketplace-distributed scale and SMB-facing products overlap heavily with Asaas' value proposition.
• Banco Inter: Banco Inter is a Brazilian digital bank offering accounts, payments, credit, and investments to consumers and SMBs. Its full-stack digital banking model competes with Asaas for SMB primary banking relationships and SaaS-style cross-sell.
• Stone Co. Stone is a large Brazilian payments and banking incumbent offering acquiring, digital accounts, credit, and software to SMBs. While broader in scope, it directly competes with Asaas for SMB payment processing and digital banking in Brazil.

Emerging players

• Conta Simples: Conta Simples is a Brazilian digital PJ account for SMBs offering payments, transfers, and financial management — a smaller, earlier-stage competitor targeting the same horizontal SMB segment Asaas serves.
• Cora: Cora is a Brazilian SMB digital bank offering current accounts, Pix, boleto, card acceptance, and collections — a neobank with overlapping product set and target customer (SMBs) but with an earlier-stage scale than Asaas.

Regional players

• EBANX: EBANX is a Latin American payment processor focused on cross-border and emerging-market payments, with deep operations in Brazil. While cross-border-leaning, it competes with Asaas for platform/enterprise payment processing volumes in Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/asaasbrasil

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds11 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about assas gestao financeira