From startup to benchmark
From startup to benchmark
For over 14 years, we’ve been driven by a single purpose:
accelerating the growth of Brazilian entrepreneurs.
We have been fulfilling our purpose for more than 14 years:
Accelerating the growth of the Brazilian entrepreneur
See how it all began
See how it all began
From startup to benchmark
We have been fulfilling our purpose for over 14 years: To accelerate the growth of the Brazilian entrepreneur
See how it all began
2011
2011
Our story starts here
Our story starts here
Our foundation
September 15, 2011: Client’s Day
September 15, 2011: Client’s Day
September 15, 2011: Client’s Day
In a market dominated by legacy giants, our goal was to stand out by providing a comprehensive payment solution that was robust for retailers yet seamless for users.
We chose to launch on Client's Day because no other date could better reflect our core purpose. As one of the very first fintechs established in Brazil, driven by innovation and a customer-centric mindset, we leveraged cutting-edge technology to bring operational efficiency to thousands of points of sale.
In a market dominated by legacy giants, our goal was to stand out by providing a comprehensive payment solution that was robust for retailers yet seamless for users.
We chose to launch on Client's Day because no other date could better reflect our core purpose. As one of the very first fintechs established in Brazil, driven by innovation and a customer-centric mindset, we leveraged cutting-edge technology to bring operational efficiency to thousands of points of sale.
In a market dominated by legacy giants, our goal was to stand out by providing a comprehensive payment solution that was robust for retailers yet seamless for users.
We chose to launch on Client's Day because no other date could better reflect our core purpose. As one of the very first fintechs established in Brazil, driven by innovation and a customer-centric mindset, we leveraged cutting-edge technology to bring operational efficiency to thousands of points of sale.
Accelerated growth
Cappta + Stone Co.
Cappta + Stone Co.
2012: Cappta + Stone Co.
In less than a year, we expanded our horizons and secured an investment deal with Arpex Capital (now Stone Co.).
Listed on the NASDAQ, Stone Co. grew to become one of the largest retail technology groups in Latin America, and Cappta was a proud part of that journey.
After a decade of deep synergy with the group's companies, we completed a successful corporate spinoff in 2023 to pursue an independent path—entering the market as a fully standalone, multi-acquirer fintech platform.
In less than a year, we expanded our horizons and secured an investment deal with Arpex Capital (now Stone Co.).
Listed on the NASDAQ, Stone Co. grew to become one of the largest retail technology groups in Latin America, and Cappta was a proud part of that journey.
After a decade of deep synergy with the group's companies, we completed a successful corporate spinoff in 2023 to pursue an independent path—entering the market as a fully standalone, multi-acquirer fintech platform.
In less than a year, we expanded our horizons and secured an investment deal with Arpex Capital (now Stone Co.).
Listed on the NASDAQ, Stone Co. grew to become one of the largest retail technology groups in Latin America, and Cappta was a proud part of that journey.
After a decade of deep synergy with the group's companies, we completed a successful corporate spinoff in 2023 to pursue an independent path—entering the market as a fully standalone, multi-acquirer fintech platform.
2012
2012
First year of achievements
First year of achievements
2014
2014
Vending machine
Vending machine
TECH CONSOLIDATION
First Proprietary Transaction
First Proprietary Transaction
2014: First Proprietary Transaction
As our growth surged, we acquired three times more customers than initially projected, scaling our solutions across Brazil.
With over 12,000 active deployments, we solidified our footprint as a technology powerhouse, developing our own core payment gateway logic and successfully processing our first transaction on proprietary servers.
Our merchant portal quickly became an industry standard, attracting numerous business partners eager to distribute our services.
As our growth surged, we acquired three times more customers than initially projected, scaling our solutions across Brazil.
With over 12,000 active deployments, we solidified our footprint as a technology powerhouse, developing our own core payment gateway logic and successfully processing our first transaction on proprietary servers.
Our merchant portal quickly became an industry standard, attracting numerous business partners eager to distribute our services.
As our growth surged, we acquired three times more customers than initially projected, scaling our solutions across Brazil.
With over 12,000 active deployments, we solidified our footprint as a technology powerhouse, developing our own core payment gateway logic and successfully processing our first transaction on proprietary servers.
Our merchant portal quickly became an industry standard, attracting numerous business partners eager to distribute our services.
NEW HEADQUARTERS
Moving to São Paulo’s Tech Hub
Moving to São Paulo’s Tech Hub
2017: Moving to São Paulo’s Tech Hub
To bring our technology closer to other Stone Co. group companies, we relocated our headquarters to Vila Olímpia—the heart of technological innovation in São Paulo.
Following the move, we tripled our engineering team, rebranded our visual identity, and aligned our values around a corporate culture built on intelligence, integrity, and high energy.
Validation that we were on the right track came quickly: that same year, we won the prestigious 1st AFRAC Excellence Award in the Payments category.
To bring our technology closer to other Stone Co. group companies, we relocated our headquarters to Vila Olímpia—the heart of technological innovation in São Paulo.
Following the move, we tripled our engineering team, rebranded our visual identity, and aligned our values around a corporate culture built on intelligence, integrity, and high energy.
Validation that we were on the right track came quickly: that same year, we won the prestigious 1st AFRAC Excellence Award in the Payments category.
To bring our technology closer to other Stone Co. group companies, we relocated our headquarters to Vila Olímpia—the heart of technological innovation in São Paulo.
Following the move, we tripled our engineering team, rebranded our visual identity, and aligned our values around a corporate culture built on intelligence, integrity, and high energy.
Validation that we were on the right track came quickly: that same year, we won the prestigious 1st AFRAC Excellence Award in the Payments category.
2017
2017
Fresh air
Fresh air
2019
2019
A new stage
A new stage
NEW SOLUTIONS
Becoming a Payment Faciliator
Becoming a Payment Faciliator
2019: Becoming a Payment Faciliator
Constantly seeking new ways to drive value for our merchants and partners, we consolidated our R&D roadmap by launching our own payment facilitation (PayFac) operation.
This infrastructure allowed us to introduce smart installment solutions to the market—such as Parcele Já Boletos and Parcele Já Vendas—alongside a micro-franchise initiative that empowered and enabled hundreds of entrepreneurs to break into the Brazilian payments industry.
Constantly seeking new ways to drive value for our merchants and partners, we consolidated our R&D roadmap by launching our own payment facilitation (PayFac) operation.
This infrastructure allowed us to introduce smart installment solutions to the market—such as Parcele Já Boletos and Parcele Já Vendas—alongside a micro-franchise initiative that empowered and enabled hundreds of entrepreneurs to break into the Brazilian payments industry.
Constantly seeking new ways to drive value for our merchants and partners, we consolidated our R&D roadmap by launching our own payment facilitation (PayFac) operation.
This infrastructure allowed us to introduce smart installment solutions to the market—such as Parcele Já Boletos and Parcele Já Vendas—alongside a micro-franchise initiative that empowered and enabled hundreds of entrepreneurs to break into the Brazilian payments industry.
NEW HORIZONS
The Embedded Finance Era
The Embedded Finance Era
2020: The Embedded Finance Era
Built on the rich expertise and robust infrastructure developed over the years, we embraced a new mission: enabling every company to become a fintech.
We are determined to lead the Brazilian payment market into a new era, where businesses that were once merely consumers of financial services now have the power to be providers.
Thanks to our platform, entrepreneurs across various industries can seamlessly build their own financial ecosystems, bypassing the bureaucratic, technical, and financial roadblocks that traditionally stalled such growth.
Built on the rich expertise and robust infrastructure developed over the years, we embraced a new mission: enabling every company to become a fintech.
We are determined to lead the Brazilian payment market into a new era, where businesses that were once merely consumers of financial services now have the power to be providers.
Thanks to our platform, entrepreneurs across various industries can seamlessly build their own financial ecosystems, bypassing the bureaucratic, technical, and financial roadblocks that traditionally stalled such growth.
Built on the rich expertise and robust infrastructure developed over the years, we embraced a new mission: enabling every company to become a fintech.
We are determined to lead the Brazilian payment market into a new era, where businesses that were once merely consumers of financial services now have the power to be providers.
Thanks to our platform, entrepreneurs across various industries can seamlessly build their own financial ecosystems, bypassing the bureaucratic, technical, and financial roadblocks that traditionally stalled such growth.
2020
2020
National expansion
National expansion
A PROVEN BUSINESS MODEL
Where are we today?
Where are we today?
We have scaled our footprint across all regions of Brazil, and we are just getting started!
We have scaled our footprint across all regions of Brazil, and we are just getting started!
14+ Years
14+ Years
in the Market
in the Market
+250 Business Partners
+250 Business Partners
connected
connected
Successful business model
Where are we today?
Where are we today?
We have scaled our footprint across all regions of Brazil, and we are just getting started!
We have scaled our footprint across all regions of Brazil, and we are just getting started!
14+ Years
in the Market
in the Market
+250 Business Partners
connected
R$ 7 Billion
in transactions per year
+20,000
customers
WANT TO BE PART OF OUR STORY?
Join us on this journey
Join us on this journey
WANT TO BE PART OF OUR STORY?
Join us on this journey
Partner brands
Discover the companies powered by Cappta technology
Discover the companies powered by Cappta technology
A 100% online solution for splitting utility and bank bills up to 18x on credit cards, tailored specifically for collection agencies and creditors.
A 100% online solution for splitting utility and bank bills up to 18x on credit cards, tailored specifically for collection agencies and creditors.
Blend smart financial building blocks with the power of AI to engineer tailored, scalable, and secure online checkout experiences without starting from scratch. Read the docs.
Combine smart financial modules and AI power to create customized, scalable, and secure online capture solutions without having to build everything from scratch. Check the documentation.
1132 Av. Doutor Gastão Vidigal, Rooms 05A & 03B | Vila Leopoldina, São Paulo - SP, Brazil - CEP 05314-000
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WhatsApp Support
Ombudsman
Monday to Friday, 9 AM to 6 PM.
Monday to Friday, 9 AM to 6 PM.
Partner Support
© 2026 Cappta. All rights reserved.
Cappta Instituição de Pagamento S.A., registered under CNPJ No. 13.966.572/0001-71, is an electronic money issuer payment
institution, authorized to operate by the Central Bank of Brazil pursuant to BCB Resolution No. 80, dated March 25, 2021.
© 2026 Cappta. All rights reserved.
Cappta Instituição de Pagamento S.A., registered under CNPJ No. 13.966.572/0001-71, is an electronic money issuer payment institution, authorized to operate by the Central Bank of Brazil pursuant to BCB Resolution No. 80, dated March 25, 2021.
1132 Av. Doutor Gastão Vidigal, Rooms 05A & 03B | Vila Leopoldina, São Paulo - SP, Brazil - CEP 05314-000
Visit our blog
Get in touch with us
WhatsApp Support
Ombudsman
Monday to Friday, 9 AM to 6 PM.
Monday to Friday, 9 AM to 6 PM.
Partner Support
1132 Av. Doutor Gastão Vidigal, Rooms 05A & 03B | Vila Leopoldina, São Paulo - SP, Brazil - CEP 05314-000
Visit our blog
Get in touch with us
WhatsApp Support
Ombudsman
Monday to Friday, 9 AM to 6 PM.
Monday to Friday, 9 AM to 6 PM.
Partner Support
© 2026 Cappta. All rights reserved.
Cappta Instituição de Pagamento S.A., registered under CNPJ No. 13.966.572/0001-71, is an electronic money issuer payment institution, authorized to operate by the Central Bank of Brazil pursuant to BCB Resolution No. 80, dated March 25, 2021.