Sub-Acquirer

White label sub-acquiring: your terminals, your brand, your pricing

FastPay delivers the complete infrastructure for you to operate as a sub-acquirer in white-label mode — with your visual identity, your terminals and full independence over management and pricing.

From merchant onboarding to D+1 settlement, from pricing to regulatory compliance with the Brazilian Central Bank: we cover the full 360° cycle.

Group Company
Neo Pagamentos ↗ is part of the same group as FastPay and has been operating in the white-label sub-acquiring market since 2017.
360° cycle

Four fronts of the sub-acquiring operation

Full White Label

Platform, terminals (POS, PinPad, PDV, refurbished) and app with your brand and colors — ready to onboard merchants.

Management & Pricing

Reports, statistics, real-time monitoring and pricing advisory to set your fees with market intelligence.

Settlement and reconciliation

D+1 settlement, payment splitting and automatic reconciliation integrated with your ERP and in COSIF format.

Compliance and regulatory

Support for obligations toward the Brazilian Central Bank and the card networks, with automated KYC and continuous compliance monitoring.

Integrated acquiring

Issuing and acquiring in one operation

FastPay integrates issuing and acquiring in a fluid, secure and high-performance operation.

Fast market entry, without building the operation from scratch
POS and PinPad terminals under your brand
New revenue stream from transaction fees
Visa, Mastercard and Elo authorization hub
Intelligent routing with automatic fallback
99.99% SLA and 24/7 monitoring
Neural anti-fraud and PCI DSS security
BPO for support, collections and chargeback
Who it fits

When to build a sub-acquiring operation

  • Retailers and chains that want to capture their own transactions and monetize the terminal
  • Software houses and ERPs that want to embed payments in their own product
  • Marketplaces that need payment splitting and settlement for sellers
  • Fintechs that want to add acquiring to existing issuing
FAQ

Frequently asked questions

What is a sub-acquirer?

It is the company that onboards merchants and enables card acceptance on top of an acquirer's structure. Under FastPay's white-label model, you operate with your brand, your terminals and your own pricing policy.

What is included in the white-label model?

Management platform, terminals (POS, PinPad, PDV and refurbished) and an app with your brand and colors, ready to onboard merchants.

How does settlement work?

D+1 settlement, with payment splitting and automatic reconciliation integrated with your ERP and in COSIF format.

Who is responsible for regulatory compliance?

FastPay supports obligations toward the Brazilian Central Bank and the card networks, with automated KYC and continuous compliance monitoring. The group's white-label sub-acquiring operation is run by Neo Pagamentos, active in that market since 2017.

Do I set my own fees?

Yes. The model provides full independence over management and pricing, with reports, statistics and pricing advisory to support the decision.

Want to launch your own card terminals?

Talk to a specialist and assess the sub-acquiring model for your business.

Talk to a specialist