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.
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.