PagBank

PagBank is a full-service digital bank and payments acceptance network in Brazil, and part of UOL Group. It serves consumers, individual entrepreneurs, micro-merchants and SMBs, and describes its mission as widening access to financial services in a market long dominated by a handful of institutions. The company claims 20 years of history, a position as the second largest digital bank in Brazil, and millions of active users and merchants.

Its engineering work spans digital banking, payments processing and acquiring, card issuance for credit, debit and prepaid products, and credit and lending technology. Other areas include QR code payments, cross-border transactions, instant settlement infrastructure, cash management tools, insurance technology and investment products.

Product lines include free remunerated digital accounts with cash management tools, mobile top-ups, credit lines, insurance and investments; secured and unsecured credit for individuals and merchants, such as payroll loans, credit cards, overdraft accounts and working capital; and card issuance. Acquiring solutions cover in-person and online acceptance through POSs, QR Code, TEF, payment links, online checkout and cross-border transactions, with 24/7 instant settlement.

Operations are concentrated in Brazil, across banking and financial services, payments and acquiring, retail and commerce, SMB and micro-merchant services, consumer finance, insurance and investments.