To mark the beginning of a new communication journey and reinforce its positioning as an “expert in entrepreneurship,” Stone held the “Stone ON” event today, November 24th. On the occasion, the company presented updates to its portfolio, focused on solving the real pains of small and medium-sized Brazilian entrepreneurs, and introduced a novelty: a A never-before-seen feature in Brazil for employee management, Bate Ponto, com controle de ponto directly on the card machine, in addition to the Pay Employees feature.
The new feature allows the sales terminal to transform into a time clock, using facial recognition for greater security and eliminating the need for physical equipment. The "Pagar Funcionários" (Pay Employees) solution enables practical payment of salaries, vacation pay, and 13th-month salary through the app or Stone's web portal. These functionalities are crucial, especially considering that only 20% of SMEs systematically monitor their employees' work hours, and many still track time completely manually. These data were revealed by a survey conducted by Stone in partnership with Provokers — a Branding and Business consulting firm — with over 1800 of the company's clients from all five regions of the country.
“Every product presented during Stone ON was born from a very deep understanding of the Brazilian entrepreneur. We seek to understand our customers” pain points, their real problems, and from that, we offer solutions – not the other way around,“ says Pedro Zinner, CEO of Stone. ”Stone was founded with the customer in mind, aiming to give them more and more visibility. This way, our customers evolve, and we evolve at their pace," he adds.
In a scenario of market downturn, the end of the year becomes even more strategically important: the 4th quarter represents 27% of annual retail sales. And, in December, it accounts for 10.5% of sales made via card.
The research carried out by Stone in partnership with Provokers mapped the main challenges and current context of Brazilian entrepreneurs. It showed that:
- About 34% of entrepreneurs indicate that their main pain point is selling more.
- Another 33% have difficulty obtaining credit and capital to grow.
- The remaining 33% suffer more from day-to-day business management challenges.
“We know that small and medium-sized business owners spend a good part of their day on operational tasks. That's why we offer solutions that significantly simplify this routine. With Stone, entrepreneurs gain time to focus on what truly matters: growing their business,” says Mateus Biselli, Stone's Director of Growth.
An analysis by Stone also reveals that the Brazilian retail sector, after a period of strong expansion between 2021 and 2024, experienced a downturn in 2025. Selling became more difficult, and growth required greater effort. Faced with this challenging scenario and with entrepreneurs' three major pain points—selling more, securing credit for growth, and organizing business management—more urgent than ever, Stone announced a set of strategic solutions for entrepreneurs.
Solutions for Selling in All Ways
Data from Stone's survey with Provokers show that, currently, 5 out of 10 MEIs (individual microentrepreneurs) and self-employed individuals already sell through WhatsApp, and 42% use other social networks. Among small and medium-sized enterprises (SMEs), usage reaches 57% via WhatsApp, 42% on social networks, and 16% on delivery apps.
To further materialize its promise of being the specialist for entrepreneurs, Stone introduced a set of tools that complement its card machine, also targeting the connected entrepreneur:
- TapStone: Solution that turns a cell phone into a POS terminal, offering a complement to traditional hardware, ideal for reducing queues and empowering the team.
- Link de Pagamento: It allows remote sales from all over Brazil without the need for a website and receives payment the next day.
- Subscription Sale and Pre-authorization on the Card Machine: Tools that ensure revenue predictability and security for recurrence and reservation models.
Credit that doesn't wait: more room to grow
In a survey conducted by Stone and Provokers, data showed that 36% of clients state that the reason for anticipating receivables is to facilitate financial management. Meanwhile, 74% of them do not use a management system to track expenses, and 67% make all payments manually.
To guarantee working capital, the main new feature in the credit pillar is the Here are a few ways to translate "Pix no Crédito e Boleto Parcelado," depending on the specific context and desired emphasis: **Most Common and Natural Translations:** * **Pix on Credit and Installment/Financed Boleto,** (This is a very direct and clear translation.) * **Pix with Credit and Installment Boleto,** (Similar to above, good for general use.) * **Pix on credit and installment bill payment,** (More descriptive of "boleto" for those unfamiliar.) **More Specific/Descriptive Translations (if more detail is helpful):** * **Pix using a credit card and installment bill,** (Explicitly specifies the credit method.) * **Pix payment via credit card and installment payment slip,** (Very detailed and explains "boleto" fully.) **Which one to choose depends on the audience:** * **For a Brazilian audience or those familiar with "boleto":** "Pix on Credit and Installment Boleto" is probably the most concise and accurate. * **For an international audience less familiar with "boleto":** You might prefer "Pix with Credit and Installment Bill Payment" or "Pix payment via credit card and installment payment slip" to provide more context. **In summary, the most common and generally applicable translation is:** **Pix on Credit and Installment Boleto,**, that allows the entrepreneur to use a pre-approved credit limit to make payments via Pix and bank slips, even without immediate balance. The product is focused on providing cash flow relief to pay suppliers and manage inventory, using transactional data to offer appropriate limits.
Simplified management
Only 20% of SMBs systematically track employee hours. And 38% of Stone's clients still do 100% manual time tracking (using paper or spreadsheets). The data comes from a survey conducted by Stone in partnership with Provokers.
To prevent management from becoming an excessive burden on the entrepreneur's daily life and to provide greater clarity for decision-making, Stone has introduced solutions designed to simplify the routine of sellers. The focus is on providing clear insights into cash flow without requiring manual effort:
- My Finances: Centralizes cash inflows and outflows, simplifying financial control and cash management through the Stone Business Account.
- Raio-X Delivery: Tool that displays daily delivery platform sales, including payment forecasts and an audit of the fees charged per order.
- Employee Management: Solution to organize, compensate, and support the team, facilitating people management. Includes features such as Time Clock (with facial recognition on the device) and Payroll.
Stone ON featured the participation of CEO, Pedro Zinner; Rodolfo Luz, Stone's marketing director; João Misko, Stone's product director; Mateus Biselli, Stone's growth director; Lia Matos, Stone's strategy and marketing director, as well as ambassador Luciano Huck.
