“Can a Brazil-focused payments gateway win SMB e-commerce by pairing PIX/BolePix/card acceptance with a BaaS layer for receivables anticipation?”
Click2Pay is a Brazilian payments gateway operating out of Londrina, PR (CNPJ 42.674.185/0001-60), offering PIX, credit card (Visa/Mastercard), and BolePix (hybrid boleto+PIX) acceptance for e-commerce and international merchants selling to Brazilian consumers. The product also includes recurring billing, payment links, and a Banking-as-a-Service layer for receivables anticipation, powered by Zoop.
Click2Pay discloses Zoop as its banking provider, according to the Embedded Finance Index 2026.
Click2Pay does not disclose a bank charter of its own; its banking services are provided through Zoop.
Click2Pay processes payments through Click2Pay (self-operated). Disclosed money-movement rails: Pix.
Click2Pay's lending and capital products are provided by Zoop.
Click2Pay integrates with WooCommerce and Opencart.
The Embedded Finance Index 2026 maps 5 layers in Click2Pay's stack: Payments / PSP (Click2Pay (self-operated)); Money movement (Pix); Banking / BaaS (Zoop); Lending (Zoop and Antecipação de recebíveis (credit card receivables advance)); Accounting (WooCommerce and Opencart).
Click2Pay is headquartered in Londrina, PR, Brazil.
Get a read on where your own stack stands against Click2Pay 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.