Your brand. CodeSpar's whole rate card underneath.
Fintera wanted its subscribers to pay boletos and Pix bills from inside its own app, without becoming a regulated payments company itself. With Embed, Fintera's org runs CodeSpar's entire published rate card white-label: every subscriber onboards as a consumer scoped to Fintera's org, every fee accrues automatically against the same rate card everyone else pays, and Fintera's split sweeps to its own wallet on schedule. No rev-share to negotiate, no platform fee, no minimum — and the R$4.90 monthly cap per active payer is what makes a R$24.90 subscriber plan actually profitable to run.
One statement, every subscriber's activity rolled up.
One monthly rollup, end to end: gross Pix and boleto volume across every subscriber, fees accrued line by line against the same published rate card CodeSpar publishes to everyone, the R$4.90 cap holding heavy users at a ceiling, and the net split swept to Fintera's own wallet on schedule.
- Every subscriber onboards as a consumer scoped to Fintera's org — same published rate card as everyone else
- The R$4.90 cap holds active payers at a ceiling so the R$24.90 plan keeps its margin
- Fintera's split sweeps to its own wallet on schedule — no manual settlement run
Show me this month's Embed settlement for Fintera.
Pulling August's rollup — 41,200 active payers, fees accrued per line against the published rate card, held at the R$4.90 cap where it applied.
The conversation is the easy part.
Consumer fintechs that want to add bill-pay hit the same wall twice: spend a year applying for a payments license, or bolt on a processor's SDK and give up a rev-share that eats the subscription margin before it reaches the P&L. Neither path lets a R$24.90-a-month plan pencil out.
Apply for a payments license just to let subscribers pay a boleto
Fintera's org runs CodeSpar's entire published rate card white-label
Negotiate a custom rev-share that nobody can predict at scale
No rev-share, no platform fee, no minimum — the published rate is the rate
Eat the fee on every heavy user until the subscription plan loses money
The R$4.90 consumer cap holds fees at a ceiling per active payer
Chase a manual settlement run to see what's actually owed
Splits sweep to Fintera's own wallet on a schedule, reconciled automatically
Fintera's org, running CodeSpar's published rate card.
codespar_kyc onboards each subscriber as a consumer scoped to Fintera's org. codespar_pay executes the Pix or boleto and accrues its fee against the same rate card every CodeSpar customer pays, held at the R$4.90 monthly cap per active payer. codespar_wallet sweeps Fintera's split to its own wallet on a fixed schedule, and codespar_ledger reconciles the rollup. Provisioning Fintera's org onto the rate card is a hands-on setup with the CodeSpar team today, not a self-serve signup — once live, every subscriber onboards the same way.
Subscriber signs up in Fintera
codespar_kycConsumer scoped to org_fintera
KYC railcodespar_payPix or boleto, published rate
Pix railcodespar_ledgerFee posts, capped at R$4.90
Rate cardcodespar_walletSplit settles, weekly schedule
Wallet railFintera's org is provisioned onto CodeSpar's full published rate card by the CodeSpar team — a hands-on setup today, not a self-serve signup. Once live, every Fintera subscriber onboards as a consumer scoped to that org. Each Pix or boleto payment accrues its fee automatically against the same rate card every CodeSpar customer pays, held at the R$4.90 cap per active payer on declared B2C deployments. Splits settle to Fintera's own wallet on a fixed schedule, reconciled and sealed, so Fintera's finance team never runs a manual settlement.
A few lines. The whole loop.
const session = await codespar.sessions.create({ org: "org_fintera" }); // each subscriber onboards as a consumer scoped to Fintera's org const consumer = await session.execute("codespar_kyc", { scope: "org_fintera", taxId: subscriber.cpf, }); // every payment accrues its fee against the same published rate card, // held at the consumer cap so a low-ticket plan still pencils out await session.execute("codespar_pay", { rail: bill.boleto ? "boleto" : "pix", amount: bill.total, consumer: consumer.id, cap: { perPayer: "R$4.90", period: "monthly" }, }); await session.execute("codespar_ledger", { consumer: consumer.id }); // Fintera's split sweeps to its own wallet on schedule — no manual settlement await session.execute("codespar_wallet", { action: "sweep", destination: "wallet_fintera", schedule: "weekly", });
codespar_payExecutes each subscriber's Pix or boleto, fee accrued against the same published rate card.
codespar_walletSweeps Fintera's split to its own wallet on a schedule, no manual settlement run.
codespar_kycOnboards each subscriber as a consumer scoped to Fintera's org.
Ship it this afternoon.
Open the sandbox, point a session at your providers, and run the whole loop against real rails in minutes — not the quarter it takes to build it by hand.