“Can a LatAm revenue-based lender successfully reinvent itself as the cross-border payment orchestration layer for Latin America?”
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.
A55 processes payments through a55 Payments (self-operated), a55 Sub-acquiring (self-operated) and a55 Checkout 2.0 (self-operated). Disclosed money-movement rails: Pix.
A55 uses a55 Crossborder (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in A55's stack: Payments / PSP (a55 Payments (self-operated), a55 Sub-acquiring (self-operated) and a55 Checkout 2.0 (self-operated)); Money movement (Pix); Lending (Revenue-based financing for LatAm SMEs (legacy product) and BNPL via Affirm (per pricing page)); FX & payouts (a55 Crossborder (self-operated)).
A55 is founded in 2017.
A55 has raised $35M (debt + equity, 2021) in total (latest round: $25M debt + equity, 2021).
Get a read on where your own stack stands against A55 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.