# RecargaPay

> RecargaPay is a São Paulo-based financial app that bundles Pix transfers, bill and mobile payments, credit cards, personal loans, CDB investments, cashback, and small-business acceptance tools. Its strategic trick is to begin with frequent, practical transactions - a recharge, a boleto, a Pix - and use that activity to build a broader relationship with consumers and micro-entrepreneurs who may be poorly served by traditional banks.

- **Founded:** 2010
- **Headquarters:** São Paulo, Brazil
- **Founders:** Rodrigo Teijeiro (CEO and co-founder), Alvaro Teijeiro (CTO and co-founder), Gustavo Victorica (COO/CCO and co-founder)
- **Team size:** 501-1,000 employees on LinkedIn; supplied company data estimates about 600.
- **Products:** Mobile and transport top-ups, Digital wallet and bill payments, Pix and Pix with credit card, RecargaPay credit cards, Personal credit
- **Notable:** Built a reported user base of more than 12 million for its payments, credit and investment app., Reports roughly R$30 billion in annual transaction volume on its current business-account page., Raised more than US$120 million in investment according to the company.

## Products & services

- **Mobile and transport top-ups** — Prepaid mobile, public-transport and related recharge services - the original high-frequency wedge of the platform.
- **Digital wallet and bill payments** — A payment account for balances, transfers, boletos, utility bills, gift cards and everyday transactions.
- **Pix and Pix with credit card** — Free conventional Pix plus the ability to fund a Pix with a credit card and split it into installments, subject to fees and limits.
- **RecargaPay credit cards** — Consumer and business Mastercard products, including digital and premium tiers, with rewards and terms that vary by product.
- **Personal credit** — App-based personal loans and other credit products, with approval, pricing and limits based on underwriting.
- **Conta PJ** — A digital account for MEIs and other small businesses with Pix, a business card, payment links, DAS MEI tools and payment-agent features.
- **Tap to Pay** — Visa-partnered contactless acceptance that turns a compatible NFC phone into a card terminal without separate hardware.
- **CDB investments** — Fixed-income certificates issued by RP Financeira, with stated FGC protection within applicable limits and product conditions.
- **Payment links** — Remote payment collection for individuals and businesses, including card and supported digital-wallet checkout.

## Achievements

- Built a reported user base of more than 12 million for its payments, credit and investment app.
- Reports roughly R$30 billion in annual transaction volume on its current business-account page.
- Raised more than US$120 million in investment according to the company.
- Became authorized by Brazil's Central Bank as an electronic-money payment institution and later obtained credit licenses including SCFI.
- Was EBITDA-positive with a revenue run rate above US$50 million when it announced its 2021 Series C.
- The Android app shows 10 million-plus downloads and more than 1.5 million ratings on Google Play.
- Expanded from top-ups into Pix, cards, lending, small-business acceptance and CDB investments.

## Latest updates

- **2025-12** — RecargaPay published research on year-end borrowing demand and the growing use of its app-based personal-loan service.
- **2025-09** — The company announced a KFC Pix discount campaign and added Blumob transport-card recharges for passengers in Blumenau.
- **2025-07** — RecargaPay entered app-based investments with its own CDB products.
- **2025-06** — It launched Black and Platinum Mastercard credit cards and a payment-link product for consumers and businesses.
- **2025-04** — It introduced a cashback credit card for business customers.
- **2025-03** — RecargaPay launched Visa-partnered Tap to Pay for individuals and companies.
- **2024-10** — Brazil's Central Bank authorized RecargaPay to operate with an SCFI license, supporting a wider range of credit and investment products.

## Links

- Website: https://recargapay.com.br
- LinkedIn: https://www.linkedin.com/company/recargapay
- Twitter/X: https://x.com/recargapay
- YouTube: https://www.youtube.com/channel/UClGMaCCKAnLQrkB0r2zfWQA
- Instagram: https://www.instagram.com/recargapay/
- Facebook: https://www.facebook.com/recargapay/

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Profile page: https://yespress.io/recargapay
Published by YesPress — https://yespress.io
Last updated: 2026-08-16