CloudWalk Building Merchant Money Stack

These newer products show that CloudWalk is turning a low margin card processor into a denser merchant money stack, where cheaper payments pull sellers in and credit and software raise revenue per seller. Pix lowers payment cost and speeds settlement, automated fee negotiation helps merchants improve card economics without leaving the app, and working capital credit monetizes the transaction data flowing through InfinitePay.1 2 3

• Pix matters because it changes the cost structure of Brazilian payments. Brazil's instant rail reached 47% of non cash payment volume in 2024, with merchant costs around 0.22% versus 2.34% for credit cards, so offering free Pix can win volume even if direct monetization is lower.1
• Working capital credit is the classic next step after acquiring. InfinitePay sees a merchant's daily sales, so it can underwrite short term advances against real payment flows, similar to the Square Capital playbook of lending based on merchant receipts rather than traditional bank paperwork.1 4
• This is also how CloudWalk looks more like StoneCo and PagSeguro than a pure acquirer. The competitive game is no longer just terminal pricing, it is winning the merchant relationship first on payments, then selling banking, lending, and fee optimization on top.2 3

The next phase is higher wallet share, not just more merchants. As Pix compresses payment margins across Brazil, the winners will be the providers that use payments as the entry point, then capture profit in credit, treasury like accounts, and software that helps small sellers manage cash flow day to day.1 2 3