Pioneers in the creation of the credit card via PIX.
ABOUT US
Democratizing credit.
Breaking down intermediations.
PIXCARD is a pioneer in the development of a disruptive platform for virtual credit cards, operating directly via PIX. Founded on April 15, 2021, in Florianópolis, SC, PIXCARD was created with the purpose of transforming the credit and payments scenario in Brazil, promoting a true cultural revolution in the financial market. Our focus is to democratize access to credit and eliminate intermediation costs, simplifying the process for everyone. We want to be the main platform for facilitating credit in the country, driving financial and social inclusion, accessible to all Brazilians.
Innovation
FAQ
No, the PIXCARD Platform is not a financial institution. We are the means, the facilitating vehicle, so that duly regulated Credit Providers in the market can enter this new ecosystem and thus enjoy a disruptive transactional concept for granting credit, better serving and expanding their customer bases.
This is the app installed on the cell phone of each PIXCARD Platform user. This virtual card is customized for your company. Your customers use this digital tool to carry out transactions. The virtual card and the credit line are not granted by the PIXCARD Platform, but by you, to your customer.
As users of the PIXCARD Platform, every EPC customer will be able to use their credit limit to transact anywhere in Brazil where PIX is accepted, as payments are made in real time through the National PIX System, at any time, any day and, in the case of PIXCARD, with no limit on the amount due to the time. This means that, regardless of the establishment or service, if it accepts PIX as a form of payment, you will certainly be able to use your EPC/PixCard. And who doesn't accept PIX today?
No. No acquiring network is required. However, if the merchant (or any receiving party) prefers that the EPC/PixCard transact through a “card machine”, there is no problem. The merchant now has the option of not paying any acquiring fees when using PIXCARD, simply by generating a dynamic or static QRCode or even providing their PIX key verbally.
No. Since a PixCard user does not necessarily need to have a checking account, it is the customer's EPC that will give them a credit limit linked to their virtual card, completely unrelated to any bank account. Unlike “Pix Installments”, the PixCard user does not need to have money in the account to pay the Pix installment, as they do so directly with their EPC, just as we pay the monthly bill of a conventional credit card. The number of installments is decided by the PixCard user at the time of making each payment, according to the conditions offered by their chosen Credit Provider Entity.
April 2021
INVENTION PATENT REGISTRATION - PI
PIXCARD, an innovative platform for financial solutions, took its first steps in 2021 with the goal of transforming the way electronic payments and installment credit are conducted in Brazil. From the outset, the company demonstrated a strong commitment to innovation and pioneering, standing out in the sector by filing key patent applications that shaped the technological foundation of its solutions.
In the following month, May 2021, PIXCARD filed two Invention Patent (PI) applications with the INPI:
BR 10 2021 002782 7 - Multi-Installment Credit Platform for Various Payments in Full via PIX through a Virtual Card.
BR 10 2021 009919 4 - Electronic Payment Capture System via Seller Acquirer Application.
May 2021
BEGINNING OF PLATFORM DEVELOPMENT
Also in May 2021, the development of the first and most significant module of the solution began, the PIXCARD Platform itself, which became the foundation of the entire operation.
August 2021
PIXCARD Trademark Registration
In August 2021, the trademark registration for PIXCARD was filed with the INPI, consolidating the company’s identity in the market and strengthening its presence in the sector.
February 2022
Development of the EPConnect Module
In February 2022, the development of the second and strategic software module, EPConnect, began. It was specifically designed to integrate Credit Provider Entities that will operate through the PIXCARD Platform, expanding the solution's capacity and reach.
February 2022
Also in the first half of 2022, PIXCARD made strides on the global stage by submitting international Invention Patent applications through the PCT in Geneva, Switzerland, strengthening its position as a leader in innovation in the international market.
- PCT 2022 050043 for the PIXCARD Platform.
- PCT 2022 050119 for the Seller Acquirer Application.
August 2022
First EPC on the Platform
In August 2022, the PIXCARD Platform onboarded its first Credit Provider Entity (EPC), named PED Crédito Inteligente, to fully validate the designed functionalities (EPConnect + PIXCARD Platform) and demonstrate both the system's robustness, with high uptime, and its operational security.
February 2023
Development of the EPControl Module
After 6 months of successful operation with PED, surpassing all expectations, PIXCARD began developing a third and crucial module in February 2023: EPControl. This management module transformed the PIXCARD Platform into a truly multi-EPC solution, providing each Credit Provider Entity with complete autonomy, featuring personalized dashboards to ensure independent and secure management.
April 2024
Commercial Expansion Process
Starting in the second quarter of 2024, confident in the strength of its integrated solution, PIXCARD is focusing on commercial expansion, intensifying the integration of new Credit Provider Entities (EPCs) into the platform and increasing its presence in the market.