Bemobi
“Can a LatAm payment orchestration platform for recurring-billing verticals (utilities, telco, healthcare, education) become the AI-native financial layer for the region's essential services?”
Founded2009
HQRio de Janeiro, Brazil
IndustryInfrastructure / Payments
The story
Bemobi began as a mobile content and app subscription business for telecom operators, then evolved into a payments and billing platform for recurring-services industries (telco, utilities, education, healthcare). The M4U acquisition brought payment orchestration and mobile top-up capabilities, transforming Bemobi into an AI-native payment orchestration platform for Latin America, processing over BRL 10-14 billion/year across 1,500-1,600 clients.
Product timeline
2009
Bemobi founded in Rio de Janeiro, initially focused on mobile content and digital services for telecom operators· founding
2021
IPO on B3 (Brazilian stock exchange) under ticker BMOB3· ipo
2022
Acquired M4U, a Brazilian virtual top-up integrator and payment solutions provider founded in 2000· acquisition
2025
Named as an enabling partner in Mastercard Agent Pay launch for Latin America and the Caribbean· partnership
Acquisitions
The stack
4 layers disclosed in Bemobi’s embedded-finance stack
Payments / PSP
Bemobi Smart Checkout (self-operated)Bemobi Intelligent Orchestration (self-operated)Bemobi sub-acquirer (self-operated)
Money movement
in the full report
Card network
in the full report
Lending
in the full report
Accounting gap: minor
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.