aperte

Aperte is a Brazilian financial technology company that develops digital solutions for payments and credit management. Founded in 2018 by a group of entrepreneurs in São Paulo, the firm focuses on providing small‑and‑medium‑size enterprises (SMEs) with tools to streamline cash flow, automate invoicing, and access micro‑loans through a mobile‑first platform. Aperte’s core product is a cloud‑based application that integrates with point‑of‑sale systems and e‑commerce platforms, allowing merchants to accept multiple payment methods, including credit cards, boleto bancário, and instant transfers via Brazil’s Pix network.

The company’s name derives from the Portuguese verb “abrir” (“to open”) and the colloquial imperative “aperte,” suggesting ease of access and rapid action. Early funding was secured through a seed round led by local venture capital firms, followed by a Series A investment in 2021 that expanded operations to other Brazilian states. Aperto’s business model is based on transaction fees and subscription tiers, with additional revenue from lending services offered in partnership with Brazilian banks.

Since its inception, Aperte has reported steady user growth, reaching over 150 000 registered merchants by 2024. The firm is recognized for its contribution to financial inclusion, particularly for businesses that previously relied on cash transactions. Regulatory compliance is maintained under the oversight of Brazil’s Central Bank, and the company adheres to data‑protection standards as mandated by the General Data Protection Law (LGPD).