Guarani Bank is a traditional financial institution in Brasília with 2 million customers, facing limitations in end-user products: no flexible installment options for shopping, lack of subscription options for recurring services, complex and time-consuming financing processes, and losing competitive advantage against more agile market solutions. PotaPay implemented its Banking Services solution, directly integrating intelligent installment features (up to 48 interest-free installments), automatic subscription systems for streaming and digital services, instant micro-credit approval, and integrated digital wallets into the banking platform. The results completely transformed the user experience: 95% automatic installment approval, 500,000 active subscription management, approval time reduced to 30 seconds, and customer satisfaction increased to 96%.

Salvador Digital Retail is the largest e-commerce platform in the region with 80 million monthly transactions, facing a crisis during Black Friday 2023: 35 different payment systems operating independently, approval rates dropping to 84% during sales peaks, maximum TPS of only 800,000 transactions/second insufficient for demand, and manual reconciliation between systems consuming 300 team hours monthly. PotaPay implemented its Aggregate Payment solution, creating a unified payment platform with elastic cloud architecture and real-time automatic reconciliation. During Black Friday 2024, they achieved 99.2% approval rate, supported 2.5 million TPS, sales increased 40% from last year, establishing new industry records.

Connected Marketplace is a nationwide platform with 300,000 merchants, losing partners due to slow processes: new merchant approval taking 12-18 days, complex and costly integration with 20 different payment systems, T+4 settlement cycle causing cash flow issues, and 40% of merchants considering leaving the platform. PotaPay implemented its Merchant Management solution, developing automated intelligent business management system, unified platform for all payment methods, and optimized settlement processes. The results were remarkable: automated merchant approval, unified simple integration, accelerated settlement, 98% merchant retention rate, and 60% growth in active user base.

Cerrado Commerce is a Brazilian e-commerce platform specializing in local products for international markets, facing critical obstacles in expansion: international payment conversion rate only 62%, settlement requiring 7-10 business days, losing 2.8 million reais monthly due to exchange rate fluctuations, and high manual compliance costs across multiple countries. PotaPay implemented its International Payment solution, creating a global payment network connecting to multiple countries and an automated intelligent compliance platform. Within 12 months, conversion rate jumped to 94%, settlement time reduced to 30 minutes, saving 18 million reais annually in foreign exchange, successfully expanding to 16 new markets, and tripling international revenue.