Pinbank

Pinbank Overview for Merchants

Pinbank is a Brazil-based payments and banking-as-a-service provider that combines acquiring, gateway, POS, and digital account capabilities under one platform. The company was founded in 2016 and states it operates with technology and infrastructure authorized by the Central Bank of Brazil, positioning itself as a regulated partner for businesses that need reliable, scalable payment services.

Why Merchants Consider Pinbank

Pinbank emphasizes a modular approach and 100 percent proprietary technology designed to reduce dependencies and speed up deployments. According to its site, the platform exposes 400+ APIs and serves millions of wallet users, which is helpful for merchants that expect to iterate quickly or integrate multiple payment experiences. In 2023, Pinbank reports BRL 16.5 billion in total processed volume across acquiring and digital account products, indicating meaningful production scale.

Core Payment Solutions

Acquiring and gateway for ecommerce and marketplaces

Pinbank’s acquiring stack includes an online gateway that connects customers and financial institutions for secure transactions. For ecommerce and marketplace use cases, the gateway lists support for credit cards, debit cards, bank slips, digital wallets, Pix, and payment links. The solution also offers integrated split-payment functionality, useful for multi-seller marketplaces that need automated settlement logic.

In-store acceptance with POS and TEF

For in-person payments, Pinbank provides POS devices that integrate with the ecosystem and are built to deliver fast, secure checkout. The company also offers TEF connectivity to link your point-of-sale system with card networks and streamline reconciliation, which can improve operational control across multiple tills and locations.

Receivables anticipation

Pinbank highlights receivables anticipation with same-day availability options. The D+0 funding capability can improve cash flow for businesses that want to shorten settlement cycles without taking on credit risk in the anticipation process.

Bank as a Service Capabilities

Digital accounts, cards, and value-added features

Beyond acquiring, Pinbank provides BaaS building blocks to launch branded financial products. The digital account module supports transfers via Pix, TED, and boleto, 24-hour cash withdrawals, plus prepaid cards, mobile top-ups, and gift cards. These features are exposed via API so you can embed banking functions directly into your app or marketplace experience.

Pinbank also lists an international Mastercard prepaid card program, covering issuance through processing, with the stated goal of helping partners reduce operational and brand costs while expanding customer retention.

Pix connectivity

For instant bank transfers in Brazil, Pinbank says it operates a direct Pix structure with connection to SPI and competitive costs, and notes it is among the B2B-focused payment institutions approved and regulated to operate Pix. For merchants planning to leverage Pix as a primary acceptance method, this direct connectivity can be valuable for performance and cost control.

Commercial models

Pinbank outlines multiple go-to-market models so partners can choose the level of ownership and integration that fits their roadmap. Options include White Label, Reseller, BaaS integration via APIs, and Sub-accreditor for fast POS ecosystem onboarding.

Compliance, Reliability, and Scale

Pinbank underscores that it operates with authorization from the Central Bank of Brazil and highlights international certifications. For teams that value vendor transparency, the site provides corporate governance and security sections, a developer portal, and 24-7 bilingual support. These signals matter when you are assessing uptime, regulatory posture, and implementation resources for a mission-critical payments stack.

Ideal Merchant Profiles

Pinbank can be a fit for digital businesses and marketplaces that need split payments and mixed methods like Pix, cards, and boleto in Brazil, as well as retailers that want unified in-store and online acceptance. It is also relevant for platforms that plan to embed financial services under their own brand, using digital accounts and prepaid cards to improve retention and lifetime value.