Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 1 category.
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Elo Serviços S.A. is a Brazilian domestic card scheme (bandeira) created in 2011 by Banco do Brasil, Bradesco and Caixa Econômica Federal to compete with Visa and Mastercard in Brazil. Its business is being the payment arrangement itself — the rails, brand, rules and processing services — not consumer banking. In recent years it has expanded into 'Bandeira as a Service', anti-fraud tooling, tokenization of ESG/carbon credits, and standing up its own developer platform (dev.elo.com.br) with authorization, checkout orchestration, and identity APIs.
Other Card Network providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/elo/install" width="1" height="1" alt="" style="display:none">4 companies disclose Elo in their stack in the Embedded Finance Index 2026, including Ticket, Pefisa, Banco BBC Digital and iFood Benefícios.
Elo is an embedded-finance provider in Card Network. It ranks #7 of 15 Card Network providers by disclosed buyers.
The most-disclosed Card Network alternatives to Elo are Visa (351 buyers), Mastercard (310 buyers), American Express (47 buyers), Verve (24 buyers), Discover (22 buyers) and UnionPay (13 buyers).
Elo is founded in 2011 and headquartered in Barueri, São Paulo, Brazil.
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