Fpay
FPAY is a Brazilian solution created to help retailers sell more by offering FGTS (Saque-Aniversário) as a payment method. Instead of relying only on card or Pix, merchants expand options for customers, improve conversion, and still receive funds directly into their bank account through a simple, digital, and secure flow.
We’ve been with FPAY from the earliest product drafts to the official launch: brand identity, website, mobile app, and the experience on payment terminals. Today, FPAY already has 100+ active retailers, over R$ 50k processed, 24/7 support, and onboarding available via both the website and the app — all designed so retailers can accept FGTS payments in just a few taps.
Solution, impact and results
With FPAY, the goal was never just to create another payment method — it was to turn FGTS into a practical, accessible way to boost sales for retailers across Brazil. The solution was designed to be effortless at the point of use — for both merchants and customers — enabling FGTS payments in just a few steps, with fast approval and direct deposit into the merchant’s bank account.
From the app to the terminals, everything was built to deliver a consistent experience: modern visuals, clear language, and streamlined processes. The focus is on increasing conversion, improving operational security, and providing real-time visibility into transactions — making FPAY a strategic tool for day-to-day retail operations.
A guided sales flow where the customer uses their FGTS balance to pay directly through FPAY — simple, clear, and step-by-step. 
Insurance offers such as bike, phone, and income protection, expanding the portfolio of financial services available inside the app.
Operation status tracking with feedback in just a few minutes, keeping both merchant and customer informed at every step. 
Boleto financing flow for businesses, helping merchants organize cash flow and spread payments in a smarter way.
Elix ecosystem and the FPAY solution
FPAY was born as part of the Elix ecosystem — a company focused on financial solutions such as digital accounts, credit offers, Pix payments, and services designed for day-to-day business operations across Brazil.
Within that context, FPAY emerges as a specialized product that turns FGTS into a payment method for retailers, expanding Elix’s solution portfolio and connecting technology, credit, and point-of-sale operations into a single, integrated experience.
Mobile app development for iOS and Android
Secure login with biometrics and guided onboarding flows, so retailers access the app quickly, safely, and without friction. 
A dedicated area for offers like bike insurance, phone insurance, and income protection — bringing everything together so retailers can explore new opportunities within the app.
A home screen built for a retailer’s routine: a clear view of core services, shortcuts for FGTS operations, and quick access to the most-used features.
Growth and market presence
More than launching an app, we needed to structure how FPAY reaches retailers. The work included digital presence, support materials, app store communication, and clear messaging about the advantage of accepting FGTS as a payment method.
One of FPAY’s main growth engines is referrals: retailers using the solution introduce it to other retailers, supported by a well-defined commercial flow and easy-to-share materials. Our focus was to organize this communication into an objective narrative, with clear selling points and consistent messaging across every channel.
“From day one, the product and technology team acted as an extension of our own team. They translated complex business goals into an app that’s simple to use, visually consistent, and reliable for retailers’ daily operations. Today, FPAY is a key piece of our ecosystem — and this partnership was essential to achieve that outcome.”