Who We Are
PagBank, a UOL Group company, is a full-service digital bank with 20 years of history and a strong track record of market disruption, offering innovative financial technology solutions for consumers, individual entrepreneurs, micro-merchants, and SMBs across Brazil.
Our key offerings include:
- Digital Banking: Free remunerated digital accounts through our full licensed bank, supporting our clients with cash management tools, mobile top-ups, credit lines, insurance, investments products and market place.
- Credit Solutions for individuals and merchants: Secured and unsecured products including payroll loans, credit cards, overdraft accounts and working capital
- Card issuance: credit, debit and prepaid cards;
- Payments:Comprehensive acquiring solution for in-person or online payments, including POSs, QR Code, TEF, Payment links, Online checkout and Cross-border transactions, supported by a unique 24/7 instant settlement feature
PagBank’s end-to-end ecosystem supports a wide range of payment methods, including credit/debit cards, PIX, meal vouchers, boletos (bank slips), bank transfers, and cash deposits—making financial services more accessible and inclusive
Our Purpose
- We are fully committed to facilitate the financial lives of individuals and businesses.
Our Mission
- To disrupt and democratize financial services in Brazil—a highly concentrated, underpenetrated, and high-interest-rate market—by delivering a secure, affordable, simple, and mobile-first digital banking ecosystem for both merchants and consumers.
Our Values
- Client First: Our purpose is to develop innovative, simple and efficient solutions designed for our clients and driven by their needs.
- Protagonism: we take ownership, act with urgency and remain focused on execution.
- Collaboration: is the foundation of our ability to innovate and achieve exceptional outcomes. We grow through teamwork and diversity, cultivating an inclusive, high-performance culture.
- Simplicity: is at the core of a great customer experience. We continuously streamline processes, products and communications to ensure they are accessible, intuitive, and efficient.
- Reliability: we protect the credibility we’ve built and the trust our clients, partners, and investors place in us every day. We deliver on our commitments and act with transparency an integrity.
Our History
Timeline
2006:
PagSeguro is founded to enable secure online payments for UOL users.
2013:
Disrupted payment in Brazil with the end of Visa/Cielo and Mastercard/Rede exclusivity.
PagSeguro becomes the first non-banking acquirer for Visa and MasterCard.
2015:
Launch of Moderninha (mPOS) and the PagSeguro prepaid card, democratizing access to POS technology for micro and small merchants.
2018:
IPO takes place on the NYSE, resulting in one of the largest for a Brazilian fintech: US$ 2.6 billion.
Start of PagSeguro’s credit operation.
2019:
Launch of the PagBank Digital (full banking-license acquisition)
Implementation of Instant settlement in payments.
2024-2025:
Greater than payments, greater than banking: a true growth partner for individuals and business.
Development of capabilities and processes to underwrite credit to the retail (Long Tail, SMBs and consumers) half ofthe industry NPL 90
Deposits/Funding of R$ 45 billion in 2025 is a result of PAGS’ platform and ecosystem
