About paySmart

paySmart is a Fintech that allows any company to become a digital bank.

We are a payment processor that empowers Issuers and digital wallets, always with a mindset of simplicity and efficiency.

Whether in the Issuer’s complete processing model, either via BIN Sponsor, or with EMV services, paySmart® technology is present in more than 27 million devices, in 5 countries. From the issuance of cards and bracelets to the provisioning of cell phones, including transaction validation, key management, data preparation, card and cell phone applications, NFC, PIX and QR Codes, paySmart® technology makes the daily lives of millions simpler, cheaper and safer people.

In 2020, paySmart was recognized by Great Place to Work (GPTW) as an excellent company to work for, being awarded in four rankings: best Financial Services companies, best Information Technology companies, best Small Companies in Brazil and best companies from Rio Grande do Sul. In the same year, it was selected by the Scale-up program of Endeavor, the largest support organization for high-impact entrepreneurs in the world.

With paySmart APIs, it is easy to issue physical or digital cards and connect your digital wallet to the worldwide payments ecosystem. How about a physical or digital cash-out card, with or contactless, national or international? And if you are not yet an Issuer of any flag, or do not have your own digital wallet, you can use our BIN Sponsor and Payments Account "White Label" solution and set up your own digital bank, practically from scratch.

+ than 27 millions

From devices (between physical cards, wristbands and cell phones) with paySmart® technology

Our Solutions

Omni-channel

At paySmart, we believe that payments should take place on any channel and that multiple means – cards, cell phones, bracelets, paper money and cryptocurrencies – will coexist.

We believe that the Issuer should not impose a mechanism – no matter how good it is – for its customers, but rather empower them with multiple payment alternatives, in multiple channels.

APIs as a service

At paySmart, we believe that payments should be quick, simple and secure.

With the paySmart cloud processing model, the Issuer does not need to purchase hardware, software, or take risks alone. Just use our APIs to perform the main services it needs to operate a digital bank. Always with low cost – thanks to efficient operation and a highly scalable model – and class A support.

Why are we different?

We believe that processing transactions for Issuers can be simpler than what the market has been able to do.

We decided to use our many years of experience with EMV to create a new processing experience for Issuers.

The idea is that with a lean but well-executed “menu”, we can solve most of the problems of our Issuers. And we have done this in a simpler, faster, cheaper and safer way than the traditional market.