Valorem

Overview: What Valorem Offers to mMerchants in Brazil

Valorem is a Brazil-based provider that combines receivables financing with omnichannel payment acceptance through Valorem Pay. For merchants, that means one partner for capturing online and in-person payments while also advancing future card installments to improve cash flow when needed. The company highlights more than two decades serving businesses in Brazil, over 100 customer reviews with a 4.9 score, and a yearly credit offer that exceeds 4 billion BRL, signaling scale and experience in the local market.

Core Payments Stack with Valorem Pay

Valorem positions Valorem Pay as a complete ecosystem to receive payments online and offline. The stack includes a payment gateway, transparent checkout for e-commerce, marketplace integrations, subscriptions and recurring billing, payment links, TEF for integrated POS, card machines for physical stores, and split payments to route funds to multiple recipients. This allows merchants to centralize capture, reconciliation, and settlement across channels in a single portal.

Online checkout and marketplace connections

If you sell online, Valorem Pay offers a transparent checkout that integrates with major Brazilian platforms and connects to marketplaces. The goal is faster configuration and centralized visibility over all sales. For hybrid sellers, the same environment also consolidates physical and online flows.

Subscriptions and recurring billing

Valorem enables monthly installments without locking the full card limit for the customer. You can manage contracts in the platform and, when necessary, anticipate future recurring installments to accelerate cash flow. This is useful for SaaS, memberships, and service plans.

Payment links for social and remote sales

Merchants can generate one-off or product-based payment links, share them on social apps or via message, and even embed recurring plans inside the link itself. This is a practical path to start taking card payments without a full e-commerce storefront.

POS, TEF, and card acceptance

For stores that need in-person acceptance, Valorem provides modern card machines with quick processing. Solutions can include TEF for integrated, enterprise-grade checkout and the ability to support common card brands in Brazil. You can unify in-store, marketplace, and e-commerce transactions under one relationship.

Split payments for franchises and multi-party flows

Split can be configured across the product set so a single customer payment is automatically distributed to one or more recipients. Typical uses include franchise royalties, commissions, and revenue shares. This reduces manual reconciliation and speeds up partner payouts.

Cash Flow: Receivables Anticipation Instead of Loans

A standout capability of Valorem is receivables anticipation. Rather than traditional loans, the company advances the present value of future receivables, helping you smooth working capital, handle seasonality, or fund growth projects without taking on standard bank debt. Valorem emphasizes that it does not offer loans and focuses on anticipation operations as a lower-cost, purpose-built alternative for business cash flow.

Digital Account Features to Streamline Operations

ValoremPay also offers a digital account experience designed to simplify day-to-day financial operations. According to the company’s materials, merchants can pay bills directly in the app, issue boletos, review statements, make transfers, withdraw via the Banco24Horas ATM network, and use an associated card. The account is positioned as maintenance-fee-free and fully operated via web or mobile.

White-Label and Partner-Friendly Options

If you are a software vendor, platform, or franchise network, Valorem markets white-label capabilities so you can present payments under your own brand while leveraging Valorem’s infrastructure. This approach lets you differentiate, deepen stickiness with your clients, and open new revenue streams without building a payments stack from scratch.

Who Valorem is Best For

Valorem is a strong fit for Brazilian merchants that want a single relationship for card acceptance and receivables financing. It is especially relevant if you run a franchise network that needs automated splits and recurring fees, a subscription or membership model looking to bundle recurring card charges with anticipation, or a software platform that wants a branded payments layer. The company operates with a partnership-driven approach and serves businesses across Brazil.

Advantages of Choosing Valorem

• Single provider for online and in-store payments plus receivables anticipation

• Recurring billing and payment link options to sell without a full e-commerce build

• Split payments to automate royalties and commissions in franchise or marketplace models

• Digital account features that cover boleto issuance, bill pay, and cash access

• Documented traction with many years in market and a high customer satisfaction score

These advantages lower operational overhead for finance teams and reduce the clutter of juggling multiple vendors for gateway, POS, and financing.

Conclusion

Valorem helps Brazilian merchants accept payments across channels while unlocking cash flow through receivables anticipation.