A Bemobi (BMOB3), specialized in payment solutions, which already serves the largest recurring service companies in the country, announced the acquisition of 50.1% of Paytime, the country's first no-code white-label fintech and one of the leading Embedded Payments and Payment as a Service (PaaS) platforms in the Brazilian market. The transaction takes place during a period of strong expansion for Bemobi and marks the creation of a new business unit dedicated to the PaaS model, expanding the reach of its platform and consolidating the company as one of the main players in specialized payment solutions in the country.
“The year 2025 has been historic for us, with quarter-after-quarter acceleration of our results. The arrival of Paytime adds a strategic layer of payment financial infrastructure to our ecosystem, accelerating the creation of new products and the expansion of our operations across different verticals, now also with a new partnership-based business model,” states Pedro Ripper, co-founder and CEO of Bemobi.
Through an integrated offering of software and payments, Bemobi provides more efficient and adherent bill payment journeys for essential sectors such as telecommunications, energy, sanitation, education, and healthcare, serving 15 of the 20 largest essential recurring service companies in the country. Its solutions were developed and refined based on industry vertical specialization and the integration of SaaS platforms acquired in recent years, all connected to Bemobi Pay, which centralizes the end-user payment experience.
The integration of Paytime's solutions into the Bemobi Pay platform combines technology, infrastructure, and payment expertise to deliver the most comprehensive PaaS solution in Brazil to the market. With the creation of Bemobi PaaS, the company expands this operation into a B2B2B model, allowing specialized partners—such as software/SaaS companies, manufacturers, distributors, franchise networks, and digital banks—to integrate Bemobi Pay in a PaaS modality into their own solutions. The goal is to deliver complete, secure, and high-conversion payment experiences to these partners' clients, without the need for them to develop their own payment, billing, reconciliation, and anti-fraud infrastructure. This model expands Bemobi's presence into new verticals without the need to acquire companies in each segment and accelerates the diversification of its portfolio, reinforcing its position as a financial infrastructure platform capable of serving diverse markets at different stages of digitalization.
With over 700 active partners and approximately 300,000 connected establishments, the company handles an average annual TPV of R$ 15 billion, providing infrastructure and technology for entrepreneurs and companies to create and operate their own financial products simply and agilely. Paytime's SMB operation will remain independent, maintaining its current brand, focus, and agility, while the new corporate unit will operate within Bemobi's structure.
Leonardo Moreira Gomes, co-founder and CEO of Paytime, will continue to lead both fronts. “This union will allow us to accelerate innovation and expand the reach of solutions, with no impact on Paytime's current clients, who will continue to be served by the same teams and with the same focus. At the same time, we gain scale, structure, and investment capacity to offer the market an end-to-end infrastructure that reduces barriers to creating financial products for large corporations across various segments,” states Gomes.
The transaction, which was advised by Vinci Compass and Pinheiro Guimarães Advogados, includes an option for Bemobi to acquire the remaining 49.9% of Paytime's corporate shares under pre-negotiated conditions by 2031.
