Proprietary infrastructure
The complete infrastructure for your payments business to grow consistently
From card processing to the broader financial ecosystem, we deliver complete infrastructure to launch, operate and scale solutions aligned with each business's strategy.
Financial Institutions
Scale your operation with efficiency, security and compliance
Complete infrastructure to serve different financial-sector models, with technology ready for accelerated growth.
Who it's for:
Banks • Digital banks • Fintechs • SCDs • Credit unions
What you solve:
- Fast launch of financial products
- End-to-end account and card management
- Frictionless regulatory compliance
- Scalability with high availability
Main solutions:
- Card issuing and processing (credit, payroll-deduction, hybrid, secured)
- Payment accounts platform
- BaaS (Banking as a Service)
- Pix, boleto and wallet
- Tokenization, 3DS, biometria e AML
- Visa BIN Sponsor
- Financial and operational BPO
- APIs for issuing and processing
- Cards with crypto balance (blockchain-ready)
- Advanced security: 3DS, AML
- Neural anti-fraud (risk & intelligence)
- Management tools
- BACEN reporting (regulatory compliance · CADOC)
Retailers
Turn sales into relationships and recurrence
Build your own financial ecosystem and grow the value of your customer base.
What you solve:
- Higher average ticket
- Loyalty and recurrence
- New revenue streams
Main solutions:
- Private Label and Co-branded cards
- Dual Brand / Multi-function card
- Prepaid cards (benefits, salary advance, rewards)
- Proprietary or white-label acquiring
- Wallet and digital payments
- Anti-fraud and advanced authentication
- BPO for customer service, collections and chargeback
Benefits
More value for the user, more control for your operation
Flexible solutions for different types of benefits, with maximum security.
What you solve:
- Efficient balance management
- Transaction security
- Better user experience
Main solutions:
- PAT Benefits Card
- Rewards and incentive cards
- Multi-balance cards
- Digital accounts
- Wallet and digital payments
- Integrated management with white-label Portal and App
- Anti-fraud and multi-layer authentication
Companies
Simplify payments and gain financial control
More efficiency, governance and visibility for your operation.
What you solve:
- Expense control
- Financial automation
- Reduced operational errors
Main solutions:
- Corporate cards (expenses, advances, rewards)
- Operational top-up cards
- Multi-balance cards
- Digital accounts and supplier payments
- Authentication and anti-fraud
- Financial and operations BPO
- Acquiring and complementary services
A single partner. The entire journey.
From issuing to loyalty, we deliver technology, security and scale to power your business evolution.
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