“Can a Brazilian white-label payments infrastructure provider become the embedded-finance backbone for every marketplace and platform in LATAM under iFood ownership?”
Zoop is a Brazilian white-label Payments-as-a-Service (PaaS) infrastructure provider founded in 2013, enabling non-financial companies to embed payments and digital accounts under their own brand. The company expanded from payment acquiring into digital banking ('Zoop Banking') and Pix infrastructure. Acquired by iFood, Zoop now operates as a regulated Brazilian payment institution under BCB supervision, processing R$35B+ annually across 440 marketplaces and 1.4M merchants.
Zoop discloses Zoop (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Zoop does not disclose a bank charter of its own; its banking services are provided through Zoop (in-house).
Zoop processes payments through Zoop Payments (self-operated). Disclosed money-movement rails: Pix.
The Embedded Finance Index 2026 maps 3 layers in Zoop's stack: Payments / PSP (Zoop Payments (self-operated)); Money movement (Pix); Banking / BaaS (Zoop (in-house)).
Zoop is founded in 2013 and headquartered in Brazil.
Get a read on where your own stack stands against Zoop 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.