Baasic review
A Brazil-focused API platform for accounts, cards, payments, credit, and insurance.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Baasic is a Brazilian Banking-as-a-Service and embedded-finance platform for software companies, ERPs, B2B SaaS businesses, fintechs, marketplaces, and other business ecosystems. Its API connects customer products to regulated financial institutions, supporting digital account opening and management, physical and virtual cards, payments, credit, insurance, and administrative operations. It provides technology and governance rather than banking services directly, making it a fit for businesses that want to embed financial products into their own software in Brazil.
Its strongest point is breadth within a single API. Baasic supports account balances, statements, and transactions alongside real-time card authorization, configurable limits, Pix, boleto, transfers, payment splits, and automated payouts. KYC-integrated account opening addresses an important onboarding need, while webhooks and real-time reconciliation support operational workflows. The unified REST API and sandbox are relevant for teams building and evaluating integrations, and the platform also extends into credit, receivables advances, and insurance distribution through regulated partners. Businesses seeking several embedded-finance capabilities rather than one isolated payment feature will find the scope particularly relevant.
Baasic uses a contact-sales pricing model, so organizations should expect commercial scoping rather than a self-serve plan structure. Its platform focus is API-based, and its supported region is Brazil, with documented rails including Pix, boleto, and transfers. The reliance on regulated partner institutions is central to how the service operates and may matter to companies assessing control over financial operations. Baasic should suit Brazilian fintechs and software businesses planning accounts, cards, payments, and credit in one product. Companies needing coverage beyond Brazil or a non-API banking tool should consider a different platform.
Baasic pros and cons
- Where it wins
- Covers digital accounts, cards, Pix, boleto, transfers, and payouts
- Unified REST API includes sandbox, webhooks, and reconciliation support
- Adds KYC, credit, receivables advances, and partner-delivered insurance
- Where it doesn't
- Pricing requires a sales conversation
- Supported region is limited to Brazil
- Financial operations are performed by regulated partner institutions
Baasic fact sheet, pricing and score →
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