Portão 3 is a B2B fintech platform that enables companies across Latin America to make payments effortlessly and securely. Portão 3 offers a frictionless, technology-driven solution for managing and automating corporate payments, serving as a leading payment automation provider in the LATAM market.
Portão 3 was founded by Fernando, a seasoned entrepreneur with previous successful exits and experience as CPO at major IT consulting firms in Brazil, and Bianca, an experienced payments leader who previously managed payments at Cargill and co-founded startups in travel and growth. The company operates out of Uberlândia, State of Minas Gerais, Brazil, and has grown bootstrapped since inception, with its development further accelerated through participation in the Y Combinator S21 batch.
The Technology Behind Portão 3’s Payment Automation
Portão 3 leverages automation and a seamless digital platform to remove friction from business payments in the Latin American market. Their solution is designed to help companies streamline invoice management, reduce manual payment processes, and improve control over travel and expense payments. The platform draws comparisons to U.S.-based Ramp, but is specifically tailored for the complex regulatory and banking landscape of LATAM, enabling efficient payments for regional businesses.
Who Uses Portão 3?
Portão 3 primarily serves B2B customers in Brazil and across Latin America, focusing on companies with significant payment, finance, and travel management needs. Their clientele includes businesses looking to simplify accounts payable, automate routine financial operations, and gain better visibility and control over their spending. The founders’ backgrounds in both enterprise IT and payments for large corporates like Cargill reinforce the company’s focus on enterprise-grade solutions.
Who Are Portão 3’s Competitors?
Portão 3 operates in the competitive LATAM B2B payment automation and fintech sector. Other notable players in this space include:
- Prometeo: Specializes in borderless banking and real-time, automated B2B payments across Latin America.
- EBANX: Provides modern payment solutions that support high-value transactions and automate invoice management in emerging markets.
- XTransfer: A China-based cross-border platform with a growing presence in Latin America, focused on international B2B payments.
- J.P. Morgan: Offers receivables and B2B payment solutions for large enterprises in Latin America, with features like virtual reference numbers and real-time processing.
- Mastercard B2B: Provides cross-border payment technology to help SMEs streamline international transfers in the region.
Portão 3 differentiates itself through local expertise, a founder-led approach, and a focus on frictionless, technology-first payment experiences for LATAM businesses.
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