← Embedded Finance Index 2026

A55

“Can a LatAm revenue-based lender successfully reinvent itself as the cross-border payment orchestration layer for Latin America?”

Founded2017
Total raised$35M (debt + equity, 2021)
Latest round$25M debt + equity, 2021
IndustryInfrastructure / Payments
The story

A55 was founded in 2017 as a Latin America fintech in the alternative lending space, providing revenue-based financing to SMEs with recurring revenue (tech-enabled SaaS-like businesses). After raising $35M in 2021 led by Accial Capital with Mouro Capital, the company pivoted significantly: it is now positioned as cross-border payment orchestration infrastructure for Latin America — covering 40+ markets, sub-acquiring/PayFac, multi-currency settlement, and a checkout/identity network. The 2025 pricing announcement ($0.30 flat fee per transaction) positions A55 as a direct competitor to Stripe-class PSPs in the LatAm corridor.

Last 12 months
2025-04
Product timeline
2017
Founded as alternative lender offering revenue-based financing to LatAm SMEs with recurring revenues.· lending
2021
Raised $35M ($25M debt facility from Accial Capital + equity) to expand credit operations into Mexico.· lending
2025
Repositioned as cross-border payment orchestration / sub-acquiring infrastructure for LatAm, launching flat-rate pricing.· pivot
The stack
3 layers disclosed in A55’s embedded-finance stack
Payments / PSP
a55 Payments (self-operated)a55 Sub-acquiring (self-operated)a55 Checkout 2.0 (self-operated)
Lending
in the full report
FX & payouts
in the full report
Accounting gap: significant
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.