“Can a closed-loop prepaid voucher network evolve into Brazil's operating financial layer for workforce, mobility, and B2B payments?”
Edenred Brasil is the local arm of the global Edenred group (French origin), focused on employee benefits (Ticket food/meal vouchers), mobility/fleet (Ticket Log, Punto), freight payments (Repom), and B2B payments (Edenred Pay). Historically a closed-loop prepaid voucher business, it has progressively evolved into a regulated payments platform — Repom is BCB-supervised, Edenred Wallet digitizes salary advance and third-party payouts, and Antecipa adds embedded receivables financing for merchant partners. The current Amplify25-28 plan repositions Edenred as an embedded finance / mobility payments infrastructure player in Brazil.
Edenred Brasil discloses Repom (in-house) and Edenred Pay (in-house) as its banking providers, according to the Embedded Finance Index 2026.
Edenred Brasil does not disclose a bank charter of its own; its banking services are provided through Repom (in-house) and Edenred Pay (in-house).
Edenred Brasil processes payments through Edenred Pay (self-operated), Punto (self-operated) and Repom (self-operated).
Edenred Brasil's cards are issued through Edenred Brasil (in-house) on the Mastercard network.
Edenred Brasil's lending and capital products are provided by Edenred Ticket Log (in-house) and Ticket Plus (in-house).
Edenred Brasil's payroll is powered by Edenred Brasil (in-house).
The Embedded Finance Index 2026 maps 6 layers in Edenred Brasil's stack: Payments / PSP (Edenred Pay (self-operated), Punto (self-operated) and Repom (self-operated)); Banking / BaaS (Repom (in-house) and Edenred Pay (in-house)); Card issuing (Edenred Brasil (in-house)); Card network (Mastercard); Lending (Edenred Ticket Log (in-house), Ticket Plus (in-house), Antecipa (receivables anticipation for Ticket Log gas-station partners) and Ticket Plus (earned wage / salary advance)); Payroll (Edenred Brasil (in-house)).
Edenred Brasil is founded in 2010 and headquartered in São Paulo, São Paulo, Brazil.
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