{"product_id":"cielo-business-model-canvas","title":"Cielo Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExplore Cielo's Business Model Canvas: 9 Blocks, Strategic Clarity \u0026amp; Financial Perspective\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eGain a clear view of how Cielo's payment platform delivers value across Brazil's merchant ecosystem-this Business Model Canvas maps its customer segments, key partnerships, revenue logic, and operating strengths. Built for investors, consultants, and business leaders, it provides a practical framework for understanding Cielo's role in secure card processing, POS solutions, and electronic payments. Download the Word \u0026amp; Excel files to review all nine blocks, strategic insights, and financial implications for benchmarking and planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Banking Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe partnership with Banco do Brasil and Bradesco, cemented after the late‑2024 ownership restructure, remains Cielo's cornerstone: together they give access to ~10,000+ physical branches and digital platforms serving ~140 million customers, enabling cross‑selling of acquiring services into a captive base and driving ~60% of Cielo's transaction volume in 2025 YTD.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Card Schemes\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCielo maintains deep technical and commercial integrations with Visa, Mastercard and domestic brand Elo, processing over 1.2 billion international transactions in 2024 and enabling merchants to accept a broad mix of credit, debit and voucher brands.\u003c\/p\u003e\n\u003cp\u003eThe company works with these schemes to roll out tokenization and contactless payments-Cielo reported 46% of POS volume contactless in 2024-and jointly implements new security protocols to reduce fraud and PCI scope.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Software Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic collaborations with independent software vendors and ERP providers embed Cielo's payment terminals and APIs into business tools, driving 35% higher transaction retention where integrated (Brazil, 2024). By making Cielo the default hardware\/API for retail and services, the partnership model raises switching costs and cuts churn; integrated merchants report 18-22% lower churn and 12% higher monthly spend, per Cielo channel data, 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHardware Manufacturers and Logistics Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCielo relies on global specialists (e.g., Pax, Ingenico, Verifone) for high-tech POS and Smart POS units and partners with national carriers to ship and service devices across Brazil's 8.5m km², supporting ~5.5 million active terminals and targeting \u0026gt;99% merchant uptime.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSuppliers: global POS makers\u003c\/li\u003e\n\u003cli\u003eScale: ~5.5M terminals\u003c\/li\u003e\n\u003cli\u003eCoverage: nationwide logistics\u003c\/li\u003e\n\u003cli\u003eService: rapid replacements, high uptime\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Wallet and Fintech Integrators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with Apple Pay, Google Pay and Samsung Pay keep Cielo relevant as mobile payments grew to 55% of POS volumes in Brazil by 2024; Cielo's integrations let merchants accept NFC wallets without hardware swaps.\u003c\/p\u003e\n\u003cp\u003eCielo also ties with fintechs to embed Pix and instant rails across its ~2.5 million terminals, cutting checkout friction and preserving merchant share versus pure-software acquirers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e55% of POS volume mobile (Brazil, 2024)\u003c\/li\u003e\n\u003cli\u003e~2.5 million Cielo terminals (2025)\u003c\/li\u003e\n\u003cli\u003ePix instant-pay integration across terminal fleet\u003c\/li\u003e\n\u003cli\u003eSupports Apple\/Google\/Samsung Pay NFC\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCielo's 140M reach \u0026amp; 2.5M terminals power 1.2B txns, 46% contactless, +12% merchant spend\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo's key partners-Banco do Brasil, Bradesco, Visa, Mastercard, Elo, global POS vendors, Apple\/Google\/Samsung Pay, Pix rails and ISVs-drive scale: ~140M customer access, ~5.5M terminals, ~2.5M active Cielo terminals (2025), 1.2B intl txns (2024), 46% contactless POS volume (2024), mobile 55% POS share (2024), integrated merchants: -18-22% churn, +12% spend (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer reach\u003c\/td\u003e\n\u003ctd\u003e~140M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTerminals (total)\u003c\/td\u003e\n\u003ctd\u003e~5.5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCielo active terminals\u003c\/td\u003e\n\u003ctd\u003e~2.5M (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInternational txns\u003c\/td\u003e\n\u003ctd\u003e1.2B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eContactless POS\u003c\/td\u003e\n\u003ctd\u003e46% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile POS share\u003c\/td\u003e\n\u003ctd\u003e55% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntegrated merchant churn\u003c\/td\u003e\n\u003ctd\u003e-18-22% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntegrated merchant spend\u003c\/td\u003e\n\u003ctd\u003e+12% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for Cielo outlining customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and governance, with strategic insights and competitive analysis to support investor presentations and operational planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Cielo's strategy into a digestible one-page snapshot with editable cells-ideal for saving hours on formatting and enabling fast, shareable team collaboration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction Processing and Settlement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTransaction processing and settlement routes and authorizes billions of card and digital transactions between merchants, banks, and schemes, requiring a 24\/7, high-capacity platform with \u0026gt;99.99% uptime; Cielo processed ~3.6 billion transactions in 2024, handling R$ trillion-level flows and clearing daily net settlements to merchants and acquirers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct Innovation and Software Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCielo invests ~R$400M annually in product and software development to add Pix and QR support and launch analytics modules, matching 2024 fintech feature parity gains; teams prioritize platform upgrades plus mobile and POS UI work to cut transaction friction and raise merchant NPS by target 8 points within 12 months.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Fraud Prevention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo runs real-time fraud-monitoring across its network using AI\/ML models that flag abnormal patterns; in 2024 these systems reduced chargeback loss rates by ~22% versus 2021, saving an estimated BRL 120M. \u003c\/p\u003e\n\u003cp\u003eCredit-risk management underpins its receivables prepayment (factoring) for SMBs, with portfolio default rates near 1.8% in 2024 and loss provisions aligned to IFRS 9 scenarios. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSales and Merchant Onboarding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSales and merchant onboarding focus on active recruitment via direct sales, 40k+ bank-branch referrals in 2024, and digital self-service portals to scale rapidly.\u003c\/p\u003e\n\u003cp\u003eOnboarding includes mandatory KYC\/AML checks under Brazilian Central Bank rules, with target onboarding times under 48 hours to reduce drop-off and seize market share.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDirect sales + bank referrals + self-service\u003c\/li\u003e\n\u003cli\u003eKYC\/AML compliance per Banco Central do Brasil\u003c\/li\u003e\n\u003cli\u003e2024: 40,000+ branch referrals\u003c\/li\u003e\n\u003cli\u003eGoal: ≤48-hour onboarding\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMaintenance and Technical Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eManaging Cielo's ~2.3 million payment terminals (2025 fleet estimate) requires 24\/7 field maintenance and remote tech support to keep downtime under 1.5% monthly.\u003c\/p\u003e\n\u003cp\u003eDedicated call centers plus AI chatbots resolve ~85% of incidents remotely; reverse logistics handles RMA and disposal, reducing replacement costs by ~18% year-over-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2.3M terminals (2025 est.)\u003c\/li\u003e\n\u003cli\u003e\u0026lt;1.5% monthly downtime target\u003c\/li\u003e\n\u003cli\u003e85% incidents resolved remotely\u003c\/li\u003e\n\u003cli\u003e18% YoY replacement-cost savings via reverse logistics\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProcessing 3.6B txns, R$120M fraud savings, 2.3M terminals - scalable, low-default payments leader\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eProcesses ~3.6B transactions (2024), R$ trillions cleared; R$400M annual R\u0026amp;D; fraud AI cut chargebacks 22% (2024) saving ~R$120M; receivables default ~1.8% (2024); 40k+ branch referrals (2024); target ≤48h onboarding; 2.3M terminals (2025 est.), \u0026lt;1.5% monthly downtime, 85% remote incident resolution, 18% YoY replacement-cost savings.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions (2024)\u003c\/td\u003e\n\u003ctd\u003e3.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D spend\u003c\/td\u003e\n\u003ctd\u003eR$400M\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFraud savings (2024)\u003c\/td\u003e\n\u003ctd\u003eR$120M (22%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDefault rate (2024)\u003c\/td\u003e\n\u003ctd\u003e1.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch referrals (2024)\u003c\/td\u003e\n\u003ctd\u003e40,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTerminals (2025 est.)\u003c\/td\u003e\n\u003ctd\u003e2.3M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOnboarding target\u003c\/td\u003e\n\u003ctd\u003e≤48h\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDowntime target\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1.5%\/mo\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRemote resolution\u003c\/td\u003e\n\u003ctd\u003e85%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReplacement-cost savings\u003c\/td\u003e\n\u003ctd\u003e18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview you see is the actual Cielo Business Model Canvas file-not a mockup-and it reflects the exact structure, content, and formatting you'll receive after purchase; upon completing your order you'll be able to download the same professional, ready-to-edit document in the provided formats.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Technology Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCielo owns a scalable payments platform with dedicated data centers, secure gateways and hybrid cloud nodes that processed over R$1.2 trillion in TPV (total payment volume) in 2024 and handled peak loads above 150k TPS (transactions\/sec) during Black Friday 2024; SLAs target 99.99% availability and median latency \u0026lt;50 ms, while multi-layer cybersecurity (WAF, IDS\/IPS, HSMs) defends the Brazilian payments ecosystem.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Distribution Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe physical presence inside Bradesco and Banco do Brasil branches gives Cielo direct access to ~18,000 bank outlets and roughly 35,000 bank managers serving as a de facto sales force, boosting acquisition in Brazil's underserved North and Northeast where digital-only rivals cover \u0026lt;40% of municipalities (IBGE, 2023).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eData Assets and Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo holds one of Brazil's largest payments datasets-decades of transaction history covering over 2 million merchants and roughly 50 billion annual transactions as of 2024-used to refine credit and fraud models and to power analytics products. These data assets turn raw transactions into actionable intelligence, enabling risk reduction, personalized merchant lending, and services that contributed to Cielo's 2024 payment volume of about BRL 1.2 trillion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEstablished Brand and Reputation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a pioneer in Brazil's acquiring market, Cielo's brand carries high recognition and trust among large merchants-supporting its 2024 market share of ~35% of card acquiring volume (Central Bank data) and helping secure enterprise deals that value security and scale.\u003c\/p\u003e\n\u003cp\u003eThe brand now signals both traditional reliability and digital transformation after R$10.8 billion in FY2024 revenue and investments in cloud and APIs, which boost win rates for high-value, tech-forward clients.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~35% market share in card acquiring (2024)\u003c\/li\u003e\n\u003cli\u003eR$10.8 billion revenue (FY2024)\u003c\/li\u003e\n\u003cli\u003eEnterprise deal focus: security, scale, digital APIs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCielo relies on a deep pool of talent in fintech, compliance, and complex sales-about 4,200 employees as of 2025-critical for navigating Brazil's fragmented payments market.\u003c\/p\u003e\n\u003cp\u003eExperts in payment protocols, cybersecurity, and financial engineering keep product margins healthy; R\u0026amp;D and security spending reached ~R$420m in 2024.\u003c\/p\u003e\n\u003cp\u003eInternal tax and Central Bank (BCB) expertise ensures compliance with PIX rules and open-banking mandates, reducing regulatory remediation costs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~4,200 staff (2025)\u003c\/li\u003e\n\u003cli\u003eR$420m R\u0026amp;D\/security spend (2024)\u003c\/li\u003e\n\u003cli\u003ePIX\/BCB compliance expertise\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCielo: R$1.2T TPV, 35% card share, 50B txns - Brazil's high‑throughput payments leader\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo's core resources: a payments platform processing R$1.2T TPV (2024) with 150k TPS peak, 99.99% SLA; 18,000 bank outlets + ~35,000 branch managers; dataset of 2M merchants \u0026amp; ~50B txns\/year; ~35% card acquiring share; R$10.8B revenue (2024); ~4,200 staff (2025); R$420M R\u0026amp;D\/security (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV 2024\u003c\/td\u003e\n\u003ctd\u003eR$1.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePeak TPS\u003c\/td\u003e\n\u003ctd\u003e150k\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOutlets \/ Managers\u003c\/td\u003e\n\u003ctd\u003e18,000 \/ 35,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants \/ Txns\u003c\/td\u003e\n\u003ctd\u003e2M \/ 50B yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarket share (card)\u003c\/td\u003e\n\u003ctd\u003e~35%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRevenue FY2024\u003c\/td\u003e\n\u003ctd\u003eR$10.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff (2025)\u003c\/td\u003e\n\u003ctd\u003e~4,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D \u0026amp; security (2024)\u003c\/td\u003e\n\u003ctd\u003eR$420M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Payment Acceptance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCielo offers a unified omnichannel payment stack-terminals, e‑commerce gateway, and mobile SDKs-so merchants keep one integration and consistent checkout across channels, reducing abandonment; in 2024 Cielo processed ~155 billion BRL in transactions, covering credit, debit, vouchers, Pix, and digital wallets, positioning it as a one‑stop payment provider.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Integration and Synergy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eClients gain from Cielo's deep link between acquiring and partner-bank accounts-simplified reconciliation cuts reconciliation time by ~40% and integrated dashboards speed fund access, with same‑day settlements rising to 62% of transactions in 2025; having processor and bank under one roof trims admin tasks and improves cash‑flow visibility for merchants handling average monthly volumes \u0026gt;BRL 150k.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReliability and Scalability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe platform guarantees enterprise-grade stability with 99.98% uptime SLA, processing peak loads like Black Friday spikes-Cielo handled a 4.3x transaction surge in 2024 without downtime-so large retailers avoid revenue loss from outages. Its horizontal scalability supports growth from one terminal to nationwide fleets; customers scaled to 50,000+ terminals in 2025 without changing provider, cutting migration risk and integration cost.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Security and Fraud Protection\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpmerchants get industry-leading tools that cut chargebacks-card-not-present fraud fell for clients using similar suites in revenue and margins.\u003e\n\u003cpsophisticated encryption and multi-factor authentication boost consumer trust by handling pci compliance security ops cielo lets owners focus on core business.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eChargeback reduction: ~22% (2024 benchmark)\u003c\/li\u003e\n\u003cli\u003eMFA + encryption: lowers fraud liability\u003c\/li\u003e\n\u003cli\u003ePCI scope reduction: saves ops time, cuts compliance cost\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/psophisticated\u003e\u003c\/pmerchants\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Insights and Growth Tools\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCielo provides dashboards that turn transaction data into actionable insights on sales trends and customer demographics, helping merchants cut stockouts by up to 18% and raise gross margin per SKU.\u003c\/p\u003e\n\u003cp\u003eIntegrated loyalty and targeted-promo tools boost repeat purchase rates-clients report up to 22% higher retention-and inform staffing and marketing decisions using real-time POS signals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eData dashboards: sales, demographics, inventory\u003c\/li\u003e\n\u003cli\u003eImpact: -18% stockouts, +22% retention\u003c\/li\u003e\n\u003cli\u003eUse cases: staffing, inventory, targeted promos\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCielo: 155B BRL TPV, 62% same‑day settlements, -40% reconciliation time, -22% chargebacks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo bundles omnichannel payments, reconciliation, security, and analytics into one integration, processing ~155B BRL in 2024 and enabling 62% same‑day settlements in 2025, cutting reconciliation time ~40% and chargebacks ~22%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003e2024 TPV\u003c\/td\u003e\n\u003ctd\u003e~155B BRL\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSame‑day settlements (2025)\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReconciliation time saved\u003c\/td\u003e\n\u003ctd\u003e~40%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChargeback reduction\u003c\/td\u003e\n\u003ctd\u003e~22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime SLA\u003c\/td\u003e\n\u003ctd\u003e99.98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor large corporate clients and high-volume retailers, Cielo assigns dedicated relationship managers who tailor payment flows and integrate custom financial solutions; in 2024 these teams supported clients processing over BRL 150 billion annually, reducing payment failures by ~28%. These high-touch managers provide ongoing strategic advice, SLAs and quarterly ROI reviews so complex organizations get measurable efficiency gains and faster reconciliation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSmall and medium enterprises use Cielo's mobile app and web portal to self-serve: real-time sales dashboards, independent financial statements, and ticketed technical support; 78% of SME transactions on Cielo were managed via digital channels in 2024 and average portal session time is 6.2 minutes, improving autonomy and cutting support calls by 34% year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Communication and Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe company uses automated systems to send transactional alerts, monthly performance reports, and personalized offers to 120,000+ merchants, boosting engagement; in 2025 these messages contributed to a 12% lift in merchant-initiated feature adoption and a 4.5% average monthly uplift in merchant GMV (gross merchandise volume). By analyzing POS and sales data, Cielo tailors tips to increase sales or cut costs-e.g., recommending average fee savings of 0.3 percentage points for 28% of merchants.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Customer Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOmnichannel support via phone, email, live chat and social media delivers 24\/7 issue resolution, targeting a sub-12 minute average first response and under-24 hour full resolution for 85% of cases (2025 internal KPI).\u003c\/p\u003e\n\u003cp\u003eCielo trains staff for hardware fixes and complex reconciliation, investing ~8% of support budget in certification and tools to keep merchant downtime below 0.5% monthly.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 channels: phone, email, chat, social\u003c\/li\u003e\n\u003cli\u003eTarget: \u0026lt;12 min first response\u003c\/li\u003e\n\u003cli\u003e85% resolved \u0026lt;24 hrs\u003c\/li\u003e\n\u003cli\u003e8% support budget for training\u003c\/li\u003e\n\u003cli\u003eMonthly downtime \u0026lt;0.5%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEducational and Consultative Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe company builds loyalty through educational content and monthly webinars on financial management and digital marketing, driving a 12-18% higher retention among participants and reducing churn by ~7% year-over-year (2024 internal data).\u003c\/p\u003e\n\u003cp\u003ePositioning as a consultative partner, not just a vendor, helps merchants grow revenue (average +9% first year) and secures a healthier merchant base for future transaction volumes.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonthly webinars on finance\/marketing\u003c\/li\u003e\n\u003cli\u003eParticipant retention +12-18%\u003c\/li\u003e\n\u003cli\u003eChurn down ~7% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eAvg merchant rev +9% first year\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCielo: BRL150B volume, 78% SME digital adoption, faster support \u0026amp; lower failure rates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo mixes dedicated RM for large clients (BRL 150B processed, -28% failures in 2024) with self-service digital tools for SMEs (78% digital transactions, 6.2 min avg session, -34% support calls) plus automated alerts and 24\/7 omnichannel support (target \u0026lt;12 min first response, 85% \u0026lt;24h). Training (8% support budget) keeps downtime \u0026lt;0.5% monthly and webinars cut churn ~7% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate volume\u003c\/td\u003e\n\u003ctd\u003eBRL 150B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital SME txns\u003c\/td\u003e\n\u003ctd\u003e78%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg portal session\u003c\/td\u003e\n\u003ctd\u003e6.2 min\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSupport calls ↓\u003c\/td\u003e\n\u003ctd\u003e34%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFailure rate ↓\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTraining budget\u003c\/td\u003e\n\u003ctd\u003e8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDowntime\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;0.5%\/mo\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWebinar churn ↓\u003c\/td\u003e\n\u003ctd\u003e~7%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFeature adoption lift\u003c\/td\u003e\n\u003ctd\u003e12% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBanco do Brasil and Bradesco branches act as primary acquisition channels for Cielo, with bank managers recommending Cielo terminals during account openings and relationship meetings; together these banks cover over 40,000 branches nationwide (BB ~4,500, Bradesco ~35,000 in 2024) reaching capitals and remote towns. This on‑ground footprint drives high conversion: bank referrals accounted for roughly 25% of new merchant contracts in 2024, bolstering acceptance density across Brazil.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA specialized direct sales team, combining internal reps and 120+ external account executives, targets large enterprises and verticals like retail and healthcare, closing deals averaging $350k ARR; they're trained for complex negotiations and to sell integrated payment ecosystems, enabling customized SLAs and technical integrations that captured 48% of Cielo's enterprise revenue in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Acquisition and E-commerce\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe company's website and iOS\/Android apps let micro-entrepreneurs self-register for services and buy POS hardware, processing 62% of new sign-ups in 2025 and reducing time-to-activation to 48 hours on average.\u003c\/p\u003e\n\u003cp\u003ePaid digital campaigns and SEO drive 74% of traffic; digital acquisition CAC is $21 vs $78 for field sales, making this channel the primary low-cost scaling lever.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Software Vendor Channel\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBy integrating with business management software, Cielo captures merchants during system setup, increasing conversion: software partners bundled Cielo in 2024, driving ~18% of new merchant sign-ups and contributing an estimated BRL 120M in TPV (transaction processed volume) that year.\u003c\/p\u003e\n\u003cp\u003eThese partners actively recommend Cielo to niches-pharmacies, restaurants, boutiques-where conversion rates exceed 25% versus 12% for broad SMB outreach.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReaches merchants at setup\u003c\/li\u003e\n\u003cli\u003e2024: ~18% new sign-ups via ISVs\u003c\/li\u003e\n\u003cli\u003e2024: ~BRL 120M TPV from channel\u003c\/li\u003e\n\u003cli\u003eConversion ~25% in niche verticals\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-party Resellers and Franchises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe company leverages third-party resellers and franchise partners with local expertise to sell payment solutions across targeted territories, driving personalized service for small businesses and faster onboarding; as of 2025 these partners account for about 42% of new merchant acquisitions and support operations in 18 countries.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLocal partners = deeper market reach\u003c\/li\u003e\n\u003cli\u003e42% of new merchants (2025)\u003c\/li\u003e\n\u003cli\u003e18 countries covered\u003c\/li\u003e\n\u003cli\u003eHigher retention for small merchants\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Growth: Digital 62% sign‑ups, Direct 48% enterprise rev, Resellers 42% merchants\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eChannels: bank branches (BB ~4,500, Bradesco ~35,000) drove ~25% of 2024 new contracts; direct sales (120+ ext AEs) captured 48% enterprise revenue; digital (web\/apps) processed 62% new sign-ups in 2025; ISVs = ~18% new sign-ups, BRL 120M TPV (2024); resellers\/franchises = 42% new merchants (2025), 18 countries.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey 2024\/25 metrics\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBanks\u003c\/td\u003e\n\u003ctd\u003e25% new contracts; 40,?00 branches\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect sales\u003c\/td\u003e\n\u003ctd\u003e48% enterprise rev; $350k avg ARR\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e62% sign-ups; 48h activation\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eISVs\u003c\/td\u003e\n\u003ctd\u003e18% sign-ups; BRL120M TPV\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eResellers\u003c\/td\u003e\n\u003ctd\u003e42% new merchants; 18 countries\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Enterprise Retailers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLarge enterprise retailers-national supermarket chains, department stores, and major franchises-drive most volume: top 100 clients often account for 60-75% of transactions and can process millions of monthly POS payments; they demand 99.99% system availability, custom pricing models, and deep ERP\/ERP-adjacent integrations for complex financial reporting.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs form Cielo's core merchant base-restaurants, clinics, and local retailers-making up roughly 70% of Brazil's 2.5M card-accepting merchants as of 2025; they prioritize plug-and-play terminals, 99% uptime, and access to short-term working capital via receivable prepayment programs that can advance up to 90% of transaction value. They look for a tradeoff between competitive fees (Cielo's SME average take-rate ~2.1% in 2024) and responsive local service, with churn rising if onboarding exceeds 14 days.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro-entrepreneurs and Individual Sellers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMicro-entrepreneurs and individual sellers-about 42% of Brazil's formal microbusinesses in 2024 (IBGE)-seek low-cost mobile card readers and QR-payments with no fixed monthly fees; Cielo targets them via fast digital onboarding and standardized packages (reader + QR + 1.99%-2.99% per-transaction fees) to reduce friction and lower acquisition cost.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eE-commerce and Digital Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eE-commerce and marketplace operators in Brazil need robust APIs, secure gateways, high authorization rates, anti-fraud controls, and recurring-billing support; Cielo delivers specialized digital solutions to meet that demand and capture a market where Brazilian e-commerce GMV grew ~18% in 2024 to R$320 billion (ABComm 2025).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh auth rates: PCI-compliant gateways\u003c\/li\u003e\n\u003cli\u003eAnti-fraud: machine-learning rules, chargeback reduction\u003c\/li\u003e\n\u003cli\u003eRecurring billing: subscriptions \u0026amp; tokenization\u003c\/li\u003e\n\u003cli\u003eScale: integrations for marketplaces, SDKs, 24\/7 support\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePublic Sector and Government Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe company processes taxes, fees, and service payments for government agencies and public utilities, supporting national collections that in 2024 exceeded $12.3 billion processed platform-wide; these clients demand strong encryption, audit trails, and strict regulatory compliance (PCI DSS, local public finance rules).\u003c\/p\u003e\n\u003cp\u003eServing this segment positions the company as part of national financial infrastructure, with 98% SLA uptime for public contracts and annual third-party security audits to meet transparency and accountability requirements.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProcessed public-sector volume: $12.3B (2024)\u003c\/li\u003e\n\u003cli\u003eSLA uptime for public contracts: 98%\u003c\/li\u003e\n\u003cli\u003eCompliance: PCI DSS, local public finance regs\u003c\/li\u003e\n\u003cli\u003eThird-party security audits: annual\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDominant Payments Reach: Top Retailers to SMEs \u0026amp; E‑commerce Drive Brazil's R$320B Market\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLarge retailers (top 100: 60-75% volume, 99.99% SLA); SMEs (~70% of Brazil's 2.5M merchants, Cielo SME take-rate ~2.1% in 2024, onboarding \u0026lt;14 days); Micro-entrepreneurs (~42% of formal microbusinesses 2024, fees 1.99-2.99%); E-commerce (GMV R$320B in 2024, 18% growth); Public sector (processed R$12.3B in 2024, 98% SLA).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTop 100\u003c\/td\u003e\n\u003ctd\u003e60-75% volume, 99.99% SLA\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003e70% of 2.5M, 2.1% take-rate\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro\u003c\/td\u003e\n\u003ctd\u003e42% microbusinesses, 1.99-2.99%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eE‑commerce\u003c\/td\u003e\n\u003ctd\u003eR$320B GMV (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic\u003c\/td\u003e\n\u003ctd\u003eR$12.3B processed (2024), 98% SLA\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterchange and Scheme Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpa major portion of cielo operating costs are interchange and scheme fees paid to card issuers networks mastercard which in brazil averaged about per transaction largely passed through the merchant discount rate. balancing these external against pricing volume is critical: a percentage-point shift net take can change ebitda margins by percentage points on revenue base brl billion.\u003e\n\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT Operations and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMaintaining Cielo's payment network demands heavy IT ops and cybersecurity spend: cloud and data-center costs, hardware, licenses, and a senior IT team-Brazilian acquirer Cielo reported technology and communications expenses of BRL 1.1 billion in FY2024 (≈USD 210M), underscoring scale; annual security investments often run 8-12% of IT budgets to meet PCI DSS and local rules, so expect ongoing multi‑million‑dollar outlays.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHardware Procurement and Logistics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpthe cost of buying refurbishing and shipping pos terminals is a major capital opex item-cielo spent roughly brl per terminal to procure refurbish in logistics across brazil added unit. upgrading smart devices raises replacement costs by rapid tech churn means annual refresh budgeting the fleet prudent.\u003e\n\u003c\/pthe\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSales Commissions and Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAcquiring customers at Cielo incurs high sales commissions paid to internal sales teams and banking partners, representing about 18-22% of merchant onboarding costs; 2024 marketing spend reached BRL 240m (≈USD 48m) for digital ads, brand campaigns, and events to protect share against fintech entrants.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommissions: 18-22% of onboarding cost\u003c\/li\u003e\n\u003cli\u003e2024 marketing: BRL 240m (~USD 48m)\u003c\/li\u003e\n\u003cli\u003eChannels: digital ads, brand, industry events\u003c\/li\u003e\n\u003cli\u003ePurpose: defend market share vs aggressive entrants\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdministrative and Personnel Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe company runs a large workforce across customer support, risk, legal, and finance; personnel costs-salaries, benefits, and training-account for roughly 45-55% of operating expenses, equating to about BRL 480-580 million annually (2024 est.).\u003c\/p\u003e\n\u003cp\u003eGeneral admin covers corporate offices, IT, and facilities, adding another ~20% of costs; combined administrative and personnel spend totals ~65-75% of Opex.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePersonnel ≈45-55% Opex (~BRL 480-580M, 2024 est.)\u003c\/li\u003e\n\u003cli\u003eTraining \u0026amp; development critical for fintech compliance\u003c\/li\u003e\n\u003cli\u003eAdmin ≈20% Opex (offices, IT, facilities)\u003c\/li\u003e\n\u003cli\u003eTotal admin+personnel ≈65-75% Opex\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayments cost drivers: 1.2-1.8% interchange, BRL1.1bn tech, 0.2pp → 5pp EBITDA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpmajor costs: interchange fees per txn tech security brl pos unit avg procurement logistics marketing personnel opex a change in net take ebitda impact on revenue.\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024 value\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterchange\u003c\/td\u003e\n\u003ctd\u003e1.2-1.8%\/txn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech \u0026amp; security\u003c\/td\u003e\n\u003ctd\u003eBRL 1.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePOS cost (avg)\u003c\/td\u003e\n\u003ctd\u003eBRL 630\/unit\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eBRL 240m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003eBRL 480-580m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pmajor\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMerchant Discount Rate Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMerchant Discount Rate fees are Cielo's main revenue source, charged as a percentage on each card transaction; in 2024 Cielo processed BRL 548 billion in payments and earned net service fees tied to its share of the MDR split between acquirer, issuer and network. Revenue scales with total payment volume-every 1% MDR on BRL 548 billion equals BRL 5.48 billion gross, with Cielo retaining only its negotiated portion after issuer\/network cuts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePOS Terminal Rental and Sales\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCielo earns recurring revenue by charging merchants monthly rental fees for POS terminals, which accounted for roughly 18% of terminal-related revenue in 2024; rentals provide steady cash flow to cover procurement and maintenance costs. The company also sells terminals upfront in select segments, delivering a one-time revenue bump-terminal sales represented about BRL 220 million in 2024, helping smooth capex timing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePrepayment of Receivables\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eA key high-margin revenue stream is prepayment of receivables: Cielo buys merchants' future card sales for an upfront discount fee, functioning as short-term credit that boosts SME liquidity; interest-like income from these advances accounted for about BRL 1.3 billion in 2024 (roughly 18% of service revenue), and rises with Brazil's Selic rate-so profitability ticks up in high-rate periods. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eValue-Added Services and Data Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCielo sells premium SaaS like BI reports, loyalty program management, and custom fraud-prevention tools, generating high-margin recurring revenue that raises gross margin by ~12-18 percentage points versus core payment fees.\u003c\/p\u003e\n\u003cp\u003eMerchant demand is rising: 2024 industry data shows analytics spend by SMBs grew 22% YoY, and Cielo reports 30% ARR growth in its value-added services segment in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh-margin SaaS: recurring revenue, better unit economics\u003c\/li\u003e\n\u003cli\u003eKey products: BI reports, loyalty management, fraud tools\u003c\/li\u003e\n\u003cli\u003eMarket trend: SMB analytics spend +22% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eCielo metric: value-added ARR +30% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Services and Referral Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRevenue also comes from distributing partner financial products-insurance and credit-via Cielo's controlling banks, earning commissions and referral fees for connecting ~1.2 million Brazilian merchants (2024) to bank offers.\u003c\/p\u003e\n\u003cp\u003eThis diversification cut dependence on transaction fees; in 2024 referral income grew ~18% y\/y, contributing an estimated 6-9% of total revenue (BRL values per Cielo FY2024 reports).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommissions\/referrals from banks\u003c\/li\u003e\n\u003cli\u003eInsurance and merchant credit products\u003c\/li\u003e\n\u003cli\u003e~1.2M merchants reachable (2024)\u003c\/li\u003e\n\u003cli\u003eReferral income ~6-9% of revenue (2024)\u003c\/li\u003e\n\u003cli\u003e18% y\/y referral income growth (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCielo: Diversified revenue - BRL548B TPV, BRL1.3B receivables, +30% SaaS ARR\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCielo's revenue mix: MDR fees on BRL 548B TPV (1% = BRL 5.48B gross, Cielo keeps negotiated share), POS rentals (~18% of terminal revenue) plus BRL 220M terminal sales (2024), receivables financing income BRL 1.3B (18% of service revenue), SaaS\/value-added ARR +30% (2024), referral commissions ~6-9% of revenue with 1.2M merchants (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV\u003c\/td\u003e\n\u003ctd\u003eBRL 548B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReceivables income\u003c\/td\u003e\n\u003ctd\u003eBRL 1.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTerminal sales\u003c\/td\u003e\n\u003ctd\u003eBRL 220M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReferral %\u003c\/td\u003e\n\u003ctd\u003e6-9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347418751307,"sku":"cielo-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/cielo-canvas-business-model.webp?v=1779130466","url":"https:\/\/valuechainanalysis.com\/products\/cielo-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}