cf tech s.a. de c.v
- Company typePrivate
- Founded2020
- HeadquartersMexico City, Mexico
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
cf tech s.a. de c.v firmographics
Firmographics- Name
- cf tech s.a. de c.v
- Legal name
- CLARA INSTITUIÇÃO DE PAGAMENTO LTDA.
- Website
- https://clara.cc
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
cf tech s.a. de c.v industry classification
Industry- Product category
- Corporate Spend Management Software
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Corporate Cards & Spend Controls (FSAGAJAF)
- akta.pro secondary industries
- Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG), Financial Planning & Analysis (FP&A) & BI (HDAEAMAG), Travel Payments & Virtual Cards for Corporate Travel (THALAMAJ), Technology, Software & IT Services (FSABACAJ)
Keywords
Where cf tech s.a. de c.v is headquartered
LocationHeadquarters
- HQ city
- Mexico City
- HQ country
- Mexico
- HQ region
- Latin America
Offices2 records
Markets served
cf tech s.a. de c.v business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Corporate Card and Credit Services: Revenue generated from corporate credit card services including post-paid account (Conta Clara pós-paga) with physical and virtual cards. Interest charges on outstanding balances, annual fees for Black category cards, and transaction fees.
- Credit Limit Evaluation Services: Fees charged for extraordinary credit evaluation services to increase global credit limits, including monitoring fees for additional credit granted
- Guaranteed Credit Limit (Limite Flexível): Additional credit capacity granted against customer cash collateral, with potential returns shared via invoice discounts
- Digital Account Services: Prepaid digital account services with potential monthly fees, plus charges for unused cards maintained for more than 2 months
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Standard Corporate Cards (Free) |
| Subscription | Annual | Black Category Cards |
| Usage-based | Pay-as-you-go | Tariffs for unused cards maintained for more than 2 months, credit evaluation services, and payment cycle changes after initial 12-month period |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels10 records
cf tech s.a. de c.v product offering
Product offeringCore offering
CF Tech S.A. de C.V., operating as Clara, provides an AI-powered corporate spend management platform that combines physical, virtual, and single-use corporate credit cards with expense reporting, reimbursements, vendor payments, travel payments (TravelPay), fleet cards, and embedded business banking (Conta Clara / Conta Digital). The platform targets finance teams across Brazil, Mexico, and Colombia with customizable card controls, approval workflows, ERP integrations, and Clara Intelligence for real-time spend analytics and predictive financial insights.
Product overview
Clara is a unified spend management platform for Latin America offering a comprehensive suite of financial tools. The core platform consists of Corporate Cards (physical, virtual, and single-use), Spend Management, and Clara Intelligence (AI-powered insights). These core offerings are supplemented by specialized modules including TravelPay for travel expenses, Accounts Payable for vendor payments, Clara Reembolsos for employee reimbursements, Banking services with Pix integration, and Clara Fleet Card for fleet fuel management. The platform integrates natively with major ERP systems (SAP Concur, Oracle NetSuite, Microsoft Dynamics, QuickBooks) and offers AI capabilities through Clara Intelligence that provide real-time spend analysis, automated CFO agent functionality, and anomaly detection for duplicate charges and fraud prevention.
Differentiator
Problem solved
Functional benefit
Brands
- Clara Intelligence: AI-powered real-time insights that centralize and analyze all company spend, including an automated CFO agent and predictive insights.
- Clara TravelPay
- Clara Fleet Card
Products and services
- Corporate Card
- Spend Management
- Clara Intelligence
- TravelPay
- Accounts Payable
- Clara Reembolsos
- Banking
- Clara Fleet Card
Quantifiable outcome
- $10M+ USD saved with card controls
- +4 more outcomes
Companies that use cf tech s.a. de c.v
Customer profileNamed customers16 records
Segments8 records
Ideal customer profiles3 records
cf tech s.a. de c.v technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability8 records
Feature7 records
cf tech s.a. de c.v partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Oracle NetSuitecoreVerified integration partner providing cloud-based ERP connectivity for seamless financial data synchronization with Clara's spend management platform.
- Microsoft Dynamics 365coreVerified integration partner providing ERP management system connectivity for small and medium-sized enterprises using Clara.
- Intuit QuickBookscoreVerified integration partner connecting QuickBooks expense and financial tracking with Clara's corporate card and spend management.
- SAP ConcurcoreVerified integration partner providing expense and travel management connectivity for enterprise customers using SAP Concur.
- MastercardcorePayment network partner enabling Clara corporate cards with World Elite acceptance and global payment infrastructure.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
cf tech s.a. de c.v competitors and assessment
Company assessmentRegional players
- Ualá: Ualá is a leading LATAM consumer and SMB fintech operating across Argentina, Mexico, and Colombia. While primarily consumer-focused, it overlaps with Clara in Mexican/Colombian SMB banking and payments.
Direct peers
- Pleo: Pleo offers company cards and expense management across Europe. Comparable horizontal spend management platform with similar SMB-first positioning and modular product expansion.
- Brex: Brex is a US-headquartered corporate cards and spend management platform serving startups and enterprises. It is Clara's closest direct peer in product scope (corporate cards + expense + AP) and a key competitive threat as it expands internationally.
- Spendesk: Spendesk provides corporate cards, virtual cards, and spend management for European SMB and mid-market. Comparable in product surface (cards + expense + AP) and SMB-led GTM motion.
- Jeeves: Jeeves is a cross-border corporate cards and spend management fintech serving LATAM and other emerging markets. It is a direct regional peer to Clara with similar customer base and product positioning.
- Airbase: Airbase provides corporate cards, AP automation, and expense management for mid-market and enterprise. Its multi-product spend platform mirrors Clara's module structure and target buyer.
- Pomelo: Pomelo is a LATAM-native fintech offering corporate cards, accounts, and payments infrastructure. It overlaps with Clara's payment-institution model and Brazilian/Mexican footprint.
- Ramp: Ramp offers corporate cards, bill payments, and spend management with an AI-first product orientation. It competes head-to-head with Clara in the corporate spend workflow and represents the most direct comparable in business model and go-to-market.
Broad incumbents
- BILL (formerly Divvy): BILL acquired Divvy to add corporate cards and spend management to its AP and bill pay platform. As a larger incumbent with broader financial workflow offerings, it competes with Clara in cards + AP, particularly for enterprise finance teams.
- SAP Concur: SAP Concur is the established incumbent in corporate travel and expense management, used by large global enterprises. Clara integrates with Concur but Concur remains the default T&E platform for multinationals operating in LATAM.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
cf tech s.a. de c.v social profiles
Digital presencecf tech s.a. de c.v compliance and trust
Trust signalCompliance3 records
cf tech s.a. de c.v financial estimates
Financial estimateRevenue estimate
Valuation estimate
cf tech s.a. de c.v leadership team
Management profileNumber of profiles
Profiles2 records
cf tech s.a. de c.v funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cf tech s.a. de c.v 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 cf tech s.a. de c.v
What does cf tech s.a. de c.v do?
CF Tech S.A. de C.V., operating as Clara, provides an AI-powered corporate spend management platform that combines physical, virtual, and single-use corporate credit cards with expense reporting, reimbursements, vendor payments, travel payments (TravelPay), fleet cards, and embedded business banking (Conta Clara / Conta Digital). The platform targets finance teams across Brazil, Mexico, and Colombia with customizable card controls, approval workflows, ERP integrations, and Clara Intelligence for real-time spend analytics and predictive financial insights.
Is cf tech s.a. de c.v a public or private company?
cf tech s.a. de c.v is a private company. It is classified as venture growth investor backed and is currently operating.
When was cf tech s.a. de c.v founded?
cf tech s.a. de c.v was founded in 2020. It employs 501 to 1,000 people.
Where is cf tech s.a. de c.v based?
cf tech s.a. de c.v is headquartered in Mexico City, Mexico, in the Latin America region.
How does cf tech s.a. de c.v make money?
Four revenue lines are on record. Corporate Card and Credit Services are the primary driver. The others are credit Limit Evaluation Services, guaranteed Credit Limit (Limite Flexível) and digital Account Services.
Who are cf tech s.a. de c.v's main competitors?
Ualá is listed as a regional player. Direct peers are Pleo, Brex, Spendesk, Jeeves, Airbase, Pomelo and Ramp. Broad incumbents are BILL (formerly Divvy) and SAP Concur.
Does cf tech s.a. de c.v have an API?
Yes. Clara offers SDK, MCP (Model Context Protocol), APIs and documentation for developers to build custom workflows for their business. The developer portal provides tools for integrating with Clara's platform, including APIs and documentation for building custom solutions. Developer documentation is at developers.clara.team/introduction.
What industry is cf tech s.a. de c.v in?
cf tech s.a. de c.v's product category is Corporate Spend Management Software. Its primary akta.pro industry code is FSAGAJAF, Corporate Cards & Spend Controls, with a secondary code of FSABAIAG, Corporate Cards & Expense Solutions (T&E, purchasing, fleet). Its NAICS code is 522 and its SIC code is 6159.