“Can Itaú Unibanco's acquiring arm become the end-to-end payments and financial services platform for Brazilian SMBs, bundling POS hardware, online gateways, Pix, receivables financing, and Itaú credit into one integrated ecosystem?”
Founded in 1996 as Redecard, Brazil's dedicated acquirer for Mastercard and Diners Club transactions, the company operated as a publicly listed entity until 2012 when Itaú Unibanco took it fully private via a public tender offer. Rebranded as Rede in 2013, the company evolved from a pure card acquirer into a multi-service payments platform offering POS hardware (the Laranjinha family), online gateways (e.Rede), Pix, instalment credit (Crediário), receivables anticipation, and a payment link product—positioning itself as the embedded payments and acquiring arm of the Itaú Unibanco Group ecosystem.
Rede discloses Itaú Unibanco (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Rede does not disclose a bank charter of its own; its banking services are provided through Itaú Unibanco (in-house).
Rede processes payments through Rede (self-operated). Disclosed money-movement rails: Pix.
Rede's lending and capital products are provided by Itaú Unibanco (in-house).
Rede integrates with VTEX.
The Embedded Finance Index 2026 maps 5 layers in Rede's stack: Payments / PSP (Rede (self-operated)); Money movement (Pix); Banking / BaaS (Itaú Unibanco (in-house)); Lending (Itaú Unibanco (in-house), Antecipação Avulsa (on-demand receivables advance), Antecipação Automática (automated receivables advance) and Crédito Itaú para negócios (capital de giro, limite da conta, crédito imobiliário — via Itaú)); Accounting (VTEX).
Rede is founded in 1996 and headquartered in São Paulo, SP, Brazil.
Get a read on where your own stack stands against Rede 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.