← Embedded Finance Index 2026

Niubiz

“Can Peru's dominant legacy card acquirer become the full-stack embedded payments and financial services platform for Peruvian businesses?”

Founded1997
HQLima, Peru
IndustryFintech / Payments infrastructure

The story

Founded in 1997 as VisaNet Peru, Niubiz served as the dominant card acquirer in Peru for over two decades. The company rebranded to Niubiz circa 2019 to signal a broader product strategy beyond Visa-only acquiring, adding multi-brand acceptance, digital wallets, and developer APIs. More recently, it has moved into embedded merchant lending ('Préstamos Niubiz') and payment facilitation infrastructure, positioning itself as a full-stack payments and embedded finance platform for Peruvian businesses rather than a pure card-acceptance utility.

Last 12 months

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Product timeline

1997

Founded as VisaNet Peru, operating as Peru's primary card acquirer and payment processing network.· payments

2019

Rebranded from VisaNet Peru to Niubiz, expanding beyond Visa-only acquiring to a multi-brand payment solutions company.· pivot

2023

Launched 'Préstamos Niubiz', an embedded merchant lending product offering working capital loans to business clients.· lending

2024

Expanded developer portal (desarrolladores.niubiz.com.pe) offering APIs for e-commerce payments, recurring billing, PCI DSS merchants, payment facilitators, and instant payments.· payments

Same company

Niubiz was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.

Yape4 layers →Kontigo (Weego)1 layer →Mibanco0 layers →Plin0 layers →

The stack

2 layers disclosed in Niubiz’s embedded-finance stack

Payments / PSP

Niubiz (self-operated)

Lending

in the full report

Accounting gap: significant

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Niubiz — frequently asked

Who is Niubiz's payment processor?

Niubiz processes payments through Niubiz (self-operated).

What is Niubiz's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Niubiz's stack: Payments / PSP (Niubiz (self-operated)); Lending (Préstamos Niubiz (merchant working capital loans)).

Where is Niubiz headquartered?

Niubiz is founded in 1997 and headquartered in Lima, Peru.

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