Neo Payments

Neo Payments: Overview For Merchants

Neo Payments is a Brazil-focused payments provider whose public site describes a portfolio aimed at in-person acceptance, recurring billing via payment links, split settlements for multi-party flows, receivables advancement, and prepaid card programs.

Neo Payments: Company Overview

The company positions itself as a payments provider for local businesses in Brazil, with messaging targeted to entrepreneurs, shop owners, and service providers. Its website and official social channels highlight:

• Point-of-sale acceptance using dedicated card terminals and smart POS devices

• Payment links with recurring billing for subscription-type models

• Split payments for scenarios where a single transaction must be divided among multiple beneficiaries

• Receivables advance to accelerate cash flow

• Prepaid card programs for consumers and corporate use

• Local support via Brazilian phone and messaging contacts

Products And Solutions

Smart POS And Traditional Terminals

Neo Payments presents multiple hardware options for card-present acceptance:

• Smart POS under the branding Neo Smart, described as a versatile sales device suitable across segments, designed for practical and simple operation.

• Traditional terminals such as the Verifone VX690, with features highlighted on the site including touchscreen interface, Wi-Fi capability, and dual-chip with GPRS for connectivity redundancy.

Payment Link And Recurring Billing

Neo Payments promotes a payment link capability that supports recurring billing. Messaging from the official social channel positions the feature for academies, clubs, subscriptions, hotels, and other bookings or membership-based services that require recurring charges. This suits businesses that need to invoice on a schedule without integrating a full online gateway or e-commerce platform..

Split Payments For Marketplaces And Platforms

A page titled Neo Split introduces split payment functionality intended to provide agility, security, and performance across segments. In multi-party transactions, split settlements are commonly used to automatically route proceeds to a primary merchant and secondary recipients such as partners or service providers. Implementation details, rule configuration, and settlement timing are not described publicly. Clarify the following in discovery:

• Supported split models, such as fixed amounts, percentages, and per-item allocations

• Whether split is pre- or post-capture

• Constraints on the number of recipients per transaction

• Reconciliation files and reporting granularity

Receivables Advance For Cash Flow

Under the Zap Money brand, Neo Payments advertises receivables anticipation. The page outlines two modes:

• Automatic advance of all receivables in the portfolio, with funds availability described as up to 2 business days

• Manual advance initiated via a service call, with stated availability up to 24 hours

Rates, eligibility criteria, and contract terms are not public. Merchants should request a pricing sheet, minimums, chargeback treatment on advanced receivables, and any collateral or guarantees required.

Consumer And Corporate Prepaid Cards

Neo Payments lists two card products:

• Neo Card positioned as a prepaid card with functions such as bill payment, transfers, and ATM withdrawals

• Neo Corp positioned as a prepaid corporate card for businesses with high revenue flows, marketed for practical use

Hardware And On-Site Operations

For merchants that prioritize in-store acceptance, Neo Payments indicates both smart POS and traditional terminals are available. The Verifone VX690 reference suggests a legacy, mobile-first footprint with Wi-Fi and dual-SIM, appropriate for field services and delivery operations that require redundant connectivity. When evaluating, ask for:

• Supported communication types and carrier partners

• Batch close rules and auto-settlement timing

• Firmware update cadence

• On-device tip and surcharge configuration, if applicable

• Warranty, field replacement, and on-site support SLAs

Integration And Developer Experience

The public site does not expose developer documentation, SDKs, or API references. If you require platform integrations or server-side automation, request:

• REST API coverage for charge, capture, refund, void, and tokenization

• Webhooks for payment lifecycle events

• Support for recurring tokens and network tokenization

• PCI responsibility matrix if using hosted fields or embedded UI

• Sandbox environment and test cards

If your primary need is in-person acceptance with settlement to a local Brazilian bank account, you may not need API access. However, marketplaces and subscription businesses usually benefit from first-class APIs for split rules, billing schedules, and reconciliation.

Merchant Support And Contact

Neo Payments lists multiple Brazilian contact numbers and a contact form on its website. Before going live, confirm support hours, escalation paths, and whether there is a dedicated merchant portal for:

• Daily settlements and statement downloads

• Chargeback alerts and evidence uploads

• Device inventory and activation

• Split rules configuration and reconciliation exports

Ideal Merchant Profiles

Based on the service pages available, Neo Payments appears suited to:

• Local Brazilian businesses needing smart POS or mobile terminals with resilient connectivity

• Membership and subscription organizations that prefer to charge via payment link with recurring billing

• Platforms and marketplaces that require split settlements and are willing to validate feature coverage directly

• Merchants with cash flow needs who may benefit from receivables advance, subject to pricing and terms

• Companies seeking prepaid card programs for consumer or corporate spend control

If your top requirement is a public API with self-serve documentation and developer tooling, you will need to verify access and coverage during scoping.

Conclusion

Neo Payments presents a Brazil-centric portfolio that spans POS acceptance, recurring billing through payment links, split settlements, receivables advance, and prepaid card programs.