{ "schemaVersion": 1, "organisationId": "O-6606ab1b605743b5bdbeab25042abd73", "slug": "pagseguro-digital-ltd", "name": "PagSeguro Digital Ltd.", "updatedAt": "2026-10-02T12:19:18.264139Z", "sections": [ { "type": "OVERVIEW", "text": "PagSeguro Digital Ltd. is a Brazilian fintech company operating in digital payments and financial services under the PagSeguro and PagBank brands. Its services include in-person and online payment acceptance, POS terminals, digital accounts and payment cards for merchants and consumers, with its customer and merchant operations centered on Brazil. The company says its business began in 2006 with the aim of democratizing payments and access to financial services, particularly for small online sellers. [P153944138][P153944310][P153944307][P153944273]\n\nPagSeguro reported more than 34 million clients and over 6.3 million active merchants in its 2025 Form 20-F. [P153944138] Its 2025 results presentation reported R$13.411 billion in total revenue and income excluding interchange (ex-ITC). [T9330434] By Q2 2026, it reported 16.9 million active banking clients. [T17943083] PagSeguro Digital Ltd. was incorporated in 2017 and has been listed on the New York Stock Exchange since 2018. [P153945696][P153944138]\n[P153944138][P153944310][P153944307][P153944273][T9330434][T17943083][P153945696]", "updatedAt": "2026-10-02T12:19:18.264139Z" }, { "type": "PRODUCTS", "text": "PagSeguro’s PagBank digital account combines payment acceptance with personal and business financial services. It supports 51 payment methods and 15 cash-out options, including bill payments, mobile top-ups, transfers, prepaid cards, loans, investments, QR payments and payroll portability. [P153944154] Its POS range accepts credit, debit, prepaid and meal-voucher payments by chip-and-PIN or NFC. Models include Bluetooth-connected Minizinha NFC, SIM-connected Minizinha Chip 3, and Moderninha terminals with combinations of receipt printing, 2G/3G/4G, Wi-Fi, Bluetooth and NFC. Moderninha Smart also supports product-catalog and inventory management and third-party apps. [P153944310][P153944311][P153944312]\n\nFor e-commerce, PagSeguro offers Redirect checkout, which sends customers to PagSeguro’s domain, and Transparent checkout, which keeps the payment flow on the merchant’s domain. Both support capabilities including tokenization, subscriptions, order tracking and split payments. [P153944307] PagBank Visa credit cards have no annual fee and support international and contactless use; Mastercard prepaid cards draw on account balances for purchases and cash withdrawals. [P153944271][P153944273]\n\nIn Q2 2026, banking represented 24% of revenue excluding interchange, while payments revenue was R$2,556 million. [P155619371][P155619373] The credit portfolio was R$5.1 billion, comprising payroll loans and other lending (69%), credit cards (22%) and working-capital loans (10%). [T17943122]\n[P153944154][P153944310][P153944311][P153944312][P153944307][P153944271][P153944273][P155619371][P155619373][T17943122][T17943122][T17943122]", "updatedAt": "2026-10-02T12:19:18.264139Z" }, { "type": "GEOGRAPHY", "text": "PagSeguro Digital’s operating and sales footprint is centered on Brazil, where its payment-acquiring and payment-institution activities are described. The company reports more than 34 million clients and over 6.3 million active merchants in Brazil. [P153944138][P153944684] Its FY2025 filing also mentions Chile, Colombia, Mexico and Peru in a regional risk discussion, but does not quantify operations or sales in those countries. [P153943984]\n[P153944138][P153944684][P153943984]", "updatedAt": "2026-10-02T12:19:18.264139Z" }, { "type": "SEGMENTS", "text": "PagSeguro reports one operating segment, “financial service agents.” The company’s chief operating decision maker reviews consolidated results for decisions, planning and resource allocation; accordingly, payments and digital banking are not reported as separate operating segments. The single reported segment represents 100% of the company’s reported segment activity. [P155619018][P155619019]\n\nWithin that integrated business, activities include merchant payment acceptance and business cash management, alongside PagBank digital-account services for merchants and consumers, such as payments, transfers, cards, loans and investments. These are business activities, not separately reported segments. The company does not disclose revenue-contribution percentages for individual products or business lines, so no supported subsegment split is available. [P153944154][P155619311][P155619322]\n[P155619018][P155619019][P153944154][P155619311][P155619322]", "updatedAt": "2026-10-02T12:19:18.264139Z" }, { "type": "HISTORY", "text": "PagSeguro was founded in 2006 within the UOL group to provide online payment services; following UOL’s acquisition of BRPay, the service was rebranded as PagSeguro in 2007. [https://investors.pagbank.com/pagbank/about-us-and-our-history/][https://blog.pagbank.com.br/pagbank-e-seguro] In 2015, PagSeguro’s operations were reorganized into PagSeguro Brazil, and the company launched its Moderninha point-of-sale terminal, extending its services to in-person payments. [P153945025][https://investors.pagbank.com/pagbank/about-us-and-our-history/]\n\nPagSeguro Digital completed its U.S. initial public offering in January 2018, listing on the New York Stock Exchange. [https://investors.pagbank.com/investor-services/faq/] In May 2019, it launched the PagBank digital account, expanding into digital banking; in 2020, its Brazilian subsidiary acquired MOIP (Wirecard Brazil). [https://investors.pagbank.com/pagbank/about-us-and-our-history/][P153944386] Carlos Eduardo Carvalho Mauad became CEO on January 1, 2026. [P153944962]\n[P153945025][P153944386][P153944962][https://investors.pagbank.com/pagbank/about-us-and-our-history/][https://blog.pagbank.com.br/pagbank-e-seguro][https://investors.pagbank.com/investor-services/faq/]", "updatedAt": "2026-10-02T12:19:18.264139Z" } ], "sources": [ { "id": "P153944138", "href": "https://app.finbar.com/go?id=P153944138", "label": "PagSeguro Digital Ltd. — Full financial report (2025 Y)", "documentId": "D-fc8aef11e37f4522955ff42d0b38f4b8" }, { "id": "P153944310", "href": "https://app.finbar.com/go?id=P153944310", "label": "PagSeguro Digital Ltd. — Full financial report (2025 Y)", "documentId": "D-fc8aef11e37f4522955ff42d0b38f4b8" }, { "id": "P153944307", "href": "https://app.finbar.com/go?id=P153944307", "label": "PagSeguro Digital Ltd. — Full financial report (2025 Y)", "documentId": "D-fc8aef11e37f4522955ff42d0b38f4b8" }, { "id": "P153944273", "href": "https://app.finbar.com/go?id=P153944273", "label": "PagSeguro Digital Ltd. — Full financial report (2025 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