We integrated a white-label embedded-finance solution — payments, banking, compliance and a mobile app — with a payments company's infrastructure and the platforms of 15+ partner e-commerce businesses, customized for each one.
Merchants sell through them and move money every day. Offering accounts, Pix and receivables under their own brand would be new revenue — but becoming a financial institution is far from their business.
Thousands of merchants sell through them and move money every day.
Revenue on every transaction, and merchants who handle everything without leaving the platform.
Central Bank licenses, PCI certification, compliance and years of engineering.
Like a supermarket's own-brand products, made by a specialist manufacturer. The e-commerce platform puts its brand on it; our client, a payments company, supplies the regulated infrastructure; and ZBRA integrated an off-the-shelf white-label solution between the two, adapted to each platform.
On top of the same white-label solution, we implemented each partner's customizations: brand, dashboard layout and which modules its users see. The experience changes per partner — the business rules and the infrastructure stay the same.
| Pedido | Cliente | Meio | Valor | Status | Hora |
|---|---|---|---|---|---|
| #48213 | Mariana Souza | VISACrédito •• 4021 · 3x | R$ 389,90 | Aprovada | 14:02 |
| #48212 | João Pereira | Pix | R$ 72,00 | Aprovada | 14:01 |
| #48211 | Luiza Andrade | MCCrédito •• 7713 · 6x | R$ 1.249,00 | Em análise | 13:58 |
| #48209 | Pedro Henrique | ELODébito •• 0098 | R$ 54,30 | Recusada | 13:55 |
| #48207 | Carla Ribeiro | VISACrédito •• 1180 | R$ 640,00 | Chargeback | 13:49 |
| Pedido | Cliente | Loja | Meio | Valor | Status |
|---|---|---|---|---|---|
| #20931 | Construtora Monteiro | Matriz | MC | R$ 4.812,00 | Pago |
| #20930 | Ricardo Alves | Campinas | R$ 318,40 | Pago | |
| #20928 | Reforma Já Ltda | Matriz | VISA | R$ 2.190,75 | Análise |
| #20927 | Fernanda Lopes | Sorocaba | ELO | R$ 146,90 | Pago |
| #20925 | Obra Prima Eng. | Jundiaí | VISA | R$ 1.075,00 | Estornado |
| Pedido | Cliente | Meio | Valor | Status | Hora |
|---|---|---|---|---|---|
| #48213 | Mariana Souza | VISACrédito •• 4021 · 3x | R$ 389,90 | Aprovada | 14:02 |
| #48212 | João Pereira | Pix | R$ 72,00 | Aprovada | 14:01 |
| #48211 | Luiza Andrade | MCCrédito •• 7713 · 6x | R$ 1.249,00 | Em análise | 13:58 |
| #48209 | Pedro Henrique | ELODébito •• 0098 | R$ 54,30 | Recusada | 13:55 |
| #48207 | Carla Ribeiro | VISACrédito •• 1180 | R$ 640,00 | Chargeback | 13:49 |
Real-time sales, receivables management with advance simulation, chargeback control with live status, multi-user management and frictionless payment links.
Real-time balance, statement and income reports. Configurable limits per channel, Pix (Brazil's instant payments) charges built into the sales flow, and two-factor authentication with trusted devices.
| Credor | Tipo | Valor comprometido | Vigência | Status |
|---|---|---|---|---|
| Banco Horizonte | Cessão fiduciária | R$ 120.000,00 | até mar/2027 | Ativo |
| FIDC Meridiano | Ônus | R$ 45.000,00 | até nov/2026 | Ativo |
| Cooperativa Sul | Cessão | R$ 30.000,00 | jun/2026 | Encerrado |
Individual and business account verification with document upload, creditor contract management, the receivables schedule and secure changes to registration data — integrated with document-check and anti-fraud providers, on web and mobile.
A native React Native app for iOS and Android, in the partner's visual identity. Full Pix, real-time balance and statement, and a single login shared with the web portal.
The white-label solution, the orchestration layer and the client's core sit behind API contracts: a new partner comes on board without touching business rules or adding technical coupling.
The white-label solution, configured for each partner: brand, components and visible modules set in the back office.
The integration layer between the white-label solution and the client's APIs: it aggregates and shapes calls into a single response, shielding the frontend from backend changes.
The client's Payments, Banking and Compliance serve every partner, with no rewrites.
Onboarding gets cheaper with every partner.
No authentication rework for each new contract.
Changes to internal APIs don't break the experience.
Payments and Banking switched on to fit the commercial model.
On a platform that moves other people's money, security is the foundation from day one — and the operation already runs at real scale: 5 million transactions a day.
The payments industry's highest certification, with an annual external audit and quarterly network scans — required above 6 million transactions a year.
Meets Brazil's Central Bank requirements for payment schemes and payment institutions, and LGPD, Brazil's data protection law.
A cloud operation proven through high-volume seasonal peaks, with no recorded incidents.
A dedicated database per tenant: customer and sales data belong to the partner, while financial processing runs in its own domain.
A development lifecycle guided by recognized application-security frameworks, with continuous testing and vulnerability management.
Keycloak unifies SSO and multi-factor authentication, with trusted-device management per tenant.
Partner autonomy: each partner configures its own environment in a dedicated back office, deciding which modules and features its users see.
Payments, Banking, Portal and App live for 15+ partners, integrated with the client's core and monetized like the core business: a percentage of every transaction plus advance fees, distributed at scale across the ecosystem.
Integrating an off-the-shelf solution with 15+ platforms in a multi-tenant setup, without rewriting a single line of business logic, is what turns a white-label product into an operation that scales.— Architecture team, ZBRA
Integrating an off-the-shelf white-label solution, instead of building from scratch, shortens the road to market. What changes from one institution to the next is the business rules, the integrations and the brand.
B2B embedded finance for the corporate customer base, with no new core.
BaaS distributed through partners, with compliance and accounts built in.
A modern digital layer without replacing the legacy core banking system.
Expanding into banking-as-a-service on top of the existing merchant base.
Cross-functional squads — PM, Tech Lead, QA and developers — side by side with your team, from integration to operation.