B2B Software for Fintechs
Payment orchestration, ledger, treasury, compliance, revenue share, APIs, and governance — the cloud platform fintech companies run on, built and supported by a partner with field experience.
Pejotinha is a software company. We provide the platform — we do not process payments, and we never touch, move, or hold your funds. Money flows through your own payment providers and banks.
Ready to Operate
Payments and backoffice ready on day one — your team ships value, not plumbing.
Cut over years of complex development.
Onboard merchants, customers, partners, and your team.
Integrate with APIs built for governance and performance.
One integration connects the payment providers you already use — cards, instant payments, and the methods your customers expect. Routing picks the best provider for each charge, retries soft declines automatically, and reconciles results without manual work. The software directs the traffic; your providers move the money.
Issuer, network, and alert-program signals arrive before a chargeback is filed and feed a triage that either resolves at the source — with automated refunds — or opens a defense case. When you defend, the casefile is assembled from the ledger, transaction context, and KYC, and the representment is filed on time, without spreadsheets.
A double-entry ledger captures every movement — receipts, payouts, holds, refunds — in a record that can be replayed and audited. Balances stay accurate even when entries arrive out of order.
Receive, hold, release, settle, refund. Every operation flows through the same controls — automatic where it can be, human-reviewed where it should be — with risk gates before money moves. The platform records and orchestrates each step; the funds themselves sit with your bank and providers, never with us.
Define how a payment splits — by percent, fixed amount, or remainder — and the platform settles each side on every successful charge. Refunds and chargebacks reverse the same way they were applied.
Progressive verification — low friction for low-risk activity, fuller checks as customers do more. Rejected documents queue for human review, and a risk gate keeps blocked entities out of the system.
Merchants, customers, partners and admins each get a self-serve portal — same data, scoped to who’s asking. Dashboards, lists, requests and exports come built in.
Every tenant is sealed off from the next, with roles and permissions tuned to how your team actually works. Sensitive operations wait for a second pair of eyes, and new features reach a chosen audience before going wide. Limits, fees, and caps are set once by admins and enforced everywhere.
A clean REST API and signed webhooks let your systems read and react to anything happening on the platform. Role-based access and a full audit trail come with it.
We work and partner with fintech companies, merchant banks, financial consulting firms, and payment institutions.
Product
The software layer for businesses that move money. Orchestrate payments, track holds and settlements, split revenue with partners, verify customers, and run a multi-portal back office on a single ledger-backed surface. Funds move through your own providers and banks — never through us.
Advisory
Engineering and regulatory expertise alongside the platform. Integration work, settlement design, KYC and compliance posture, and the licensing pathway to operate as a regulated payment institution.
Programs
Structuring operations, designing and executing payment and capital flows that don’t fit a standard product — partner networks, multi-party settlement, treasury programs.
Offices
Brasil
Barigui Business Center
R. Gen. Mário Tourinho, 1746
Campina do Siqueira, Curitiba — PR
80740-000
Uruguay
World Trade Center, Torre 2
Piso 14, Oficina 1416
Montevideo