InfinitePay's App Distribution vs Field Sales

The advantage is not just lower cost, it is a different distribution machine. InfinitePay can turn any smartphone into a card terminal in minutes, so a street seller or freelancer can start taking payments without waiting for a rep, buying hardware, or learning a separate device. That matters in Brazil’s micro merchant tail, where many sellers are informal, mobile, and too small to justify a field sales visit.1 2 3 4 5

• InfinitePay pushes merchants into one app that bundles Tap to Pay, digital account, payment links, and credit. Once a seller is active, CloudWalk sees their payment flow directly, which improves underwriting and creates a larger receivables base for funding and securitization.2 3
• Stone and PagBank were built around the maquininha era. Their scale is real, with Stone at more than 4.8 million active payments clients in 2025, but their model still carries the logic of hardware distribution, merchant onboarding, and sales coverage across Brazil.4 6 7
• CloudWalk’s growth shows what app led distribution can do at the low end. InfinitePay became Brazil’s most downloaded finance app on the App Store in December 2025, and active sellers in Brazil grew from 3 million to more than 6.3 million in 2025.2 5

The next phase is turning lightweight payment acceptance into a full financial relationship. If InfinitePay keeps winning the first transaction through the phone, it can keep layering in deposits, loans, and software, while rivals with sales led models are pushed to defend a broader base with a heavier operating structure.2 3 4 7