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Payment Links
Send a payment link to a customer anywhere and collect in Brazilian real, with flexible installment options.
Collect without building an integration first.
Money services business · Brazil ⇄ United States
Financial infrastructure for money in motion between Brazil and the US.
Parpay is a money services business and a licensed electronic foreign exchange provider. We give financial institutions, fintechs, payment companies and technology platforms the licensing, the payment methods and the settlement operation behind cross-border money movement.
- Classification
- Money services business
- Authorization
- Electronic FX provider (IFX)
- Corridor
- Brazil ⇄ United States
- Collection methods
- Pix · Bank transfer · Card
Regulatory standing
Licensed financial infrastructure.
Moving money between two countries is a regulated activity. Parpay operates as a money services business and as a licensed electronic foreign exchange service provider, under Brazilian and American regulatory oversight.
That standing is the reason institutions can put Parpay inside their own operation: the licensing, the governance and the record-keeping sit with us, not with them.
Our MSB registration is a matter of public record and can be verified with FinCEN. Institutional counterparties running diligence can request the full documentation at contact@parpaygroup.com.
Regulatory profile
Public record- Legal entity
- ParPay Group
- Classification
- Money services business (MSB)
- Regulatory oversight
- Authorized and regulated — Brazilian and American authorities
- United States regulator
- FinCEN — Financial Crimes Enforcement Network
- MSB registration number
- 31000259292721
- Jurisdictions
- United States · Brazil
- Registered office
- 7362 Futures Drive, Suite 02, Orlando, FL 32819, United States
What Parpay is
A regulated operator between two financial systems.
Parpay is a payments and foreign exchange company connecting Brazil and the United States. We hold the authorization, operate the collection methods and run the exchange, settlement and reporting work that moving money between the two countries requires.
Organizations come to us when their product or their operation depends on a payment being accepted in Brazil and value arriving in the United States — or the reverse. Instead of assembling licensing, local payment methods, foreign exchange and settlement from separate providers, they operate on infrastructure that already exists.
Our purpose is to let Brazilians pay for what they buy in the United States in their own currency and in their own payment methods, and to give US businesses a way into the Brazilian market without rebuilding themselves around it.
- Corridor
- Brazil and the United States, in both directions.
- Collection
- Pix, bank transfer and credit card, with installments.
- Role
- The licensed operator between the two financial systems.
Products and activities
Products that move money end to end.
Collection in Brazil, the exchange leg and settlement in the United States are the same operation. Each product below is one way into it.
02
Instant Charges
Process one-off charges by credit card, Pix or bank transfer.
Fast, reliable confirmation.
03
Recurring Charges
Set up automatic monthly billing for your customers with security and control.
Predictable, scheduled collection.
04
Sales Management
Manage sales and receivables with full visibility over what was collected and what is pending.
Operational control in one place.
05
Parpay Cards
Digital gift cards that let Brazilian customers buy from US merchants without an international card, paying in real with installments up to 12x.
Access to US commerce without a foreign card.
06
Complete Payment Platform
Collection, foreign exchange and settlement across the Brazil–US corridor, operated under one authorization.
One counterparty, two financial systems.
The corridor
How money moves through Parpay.
One operation, four stages. The payer never leaves their own currency and payment method; the receiving business never takes on the licensing.
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01
Collection in Brazil
The payer settles in Brazilian real by Pix, bank transfer or credit card, with installments where they are needed.
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02
Parpay infrastructure
Parpay authorizes the operation and runs the foreign exchange leg under its own licensing, as a regulated electronic FX provider.
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03
Settlement in the United States
Value reaches the receiving business or institution in the United States, without the merchant absorbing a deduction.
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04
Reporting and control
Each operation is recorded and reportable, so sales, receivables and settlement status stay reconcilable.
Where the payer settles
Brazil
Pix · Bank transfer · Credit card with installments
Where value arrives
United States
Businesses, retailers and institutions receiving settlement
Cross-border commerce is physical, legal and financial at once. Parpay operates the financial leg.
Who we serve
Built for organizations that move money across borders.
Parpay is a business-to-business operator. Our counterparties are the institutions and companies whose products, platforms and operations depend on the corridor working.
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Financial institutions
Banks and licensed institutions that need a regulated counterparty for flows between Brazil and the United States.
- 02
Fintechs
Companies putting cross-border payment into their own product without holding the licensing for it themselves.
- 03
Payment companies
Acquirers, providers and processors extending their coverage into the Brazil–US corridor.
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Technology platforms
Marketplaces and software platforms whose users need to pay, or be paid, across the two countries.
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International retailers
US merchants selling to Brazilian customers who pay in Brazilian real, with installments where they need them.
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Redirectors and personal shoppers
Operators serving Brazilian buyers of US products, who need collection in Brazil and settlement in the United States.
Why Parpay
Why organizations choose to operate on our infrastructure.
Six things a counterparty can verify before signing, rather than six adjectives.
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A regulatory foundation on both sides
Parpay is a money services business and a licensed electronic foreign exchange service provider, regulated by Brazilian and American authorities. The corridor is regulated at both ends, and so are we.
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One counterparty across two systems
Collection in Brazil, the foreign exchange leg and settlement in the United States are handled by a single licensed operator, instead of being assembled from separate providers.
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The payment methods Brazilians actually use
Pix, bank transfer and credit card, including installments. Collection happens in Brazilian real, in the way the payer expects to pay.
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Commercial terms without deductions
No monthly fee and no transaction cost for the merchant, who receives 100% of the sale value with no discounts or deductions.
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Visibility over the whole operation
Sales, receivables and settlement status are managed in one place, so finance and operations teams can see what was collected and what is still pending.
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Structured governance
Parpay operates with regulatory compliance, structured governance and secure infrastructure built for international operations.
Technology and infrastructure
Infrastructure you operate on, not one you maintain.
Parpay runs the collection, exchange, settlement and reporting layer so your team does not have to build or hold it. Adding a payment method becomes a configuration rather than a project.
Technical integration is scoped with each partner around what their product actually needs. Tell us the shape of your flow and we will come back with how it connects.
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Payment orchestration
Payment links, instant charges and recurring billing run on one platform, so a collection method is a configuration rather than a new integration.
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Foreign exchange leg
The currency conversion between Brazilian real and US dollars is performed by Parpay under its own authorization.
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Settlement and reconciliation
Collected, settled and pending amounts stay connected to the operations that produced them.
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Reporting and audit trail
Sales management gives finance, operations and compliance teams the same record of what happened.
Compliance and security
Compliance is part of the product, not a page in the footer.
Parpay operates with regulatory compliance, structured governance and secure infrastructure for international operations. That is the foundation the products sit on.
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Regulatory compliance
Parpay operates as a money services business and a licensed electronic foreign exchange service provider, under Brazilian and American regulatory oversight.
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Structured governance
Operations are approved, executed and recorded through a defined structure rather than case by case.
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Secure infrastructure
The platform is built for international operations, with controls appropriate to regulated money movement.
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Traceable operations
Every operation is recorded and reportable through sales management, so it can be reconciled and reviewed.
Running diligence on Parpay?
Institutional counterparties can request our regulatory and compliance documentation directly. We will route it to the right team.
contact@parpaygroup.com
Start a conversation
Tell us what you are building.
If your product or your operation depends on money moving between Brazil and the United States, we should talk. Send us the shape of it and we will come back with how Parpay supports it.
- General
- contact@parpaygroup.com
- Commercial
- sales@parpaygroup.com
- Registered office
- 7362 Futures Drive, Suite 02
Orlando, FL 32819
United States