QI Tech

Brazil’s first
payroll-deductible credit card as a Service

Offer payroll-deductible credit cards or benefit cards to your customers.
Gain full control of the experience, from invoice management to credit advance.

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Seta
Payroll credit card
Payroll credit card
Installment

Consigned credit card

Installment
Cash
Strong market potential

+41 million

total retirees and pensioners in Brazil

+500 thousand

new beneficiaries joining every month

What is a payroll-deductible credit card?

A credit product in which the bill is automatically paid through payroll deduction, ensuring greater predictability and expanding access to credit.

Benefits of the payroll-deductible credit card for customers

  • Lower interest rates

  • Automatic payroll deduction

  • No annual fee

  • Option for additional cash withdrawal

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Seta
Payroll deductible credit card white label

These benefits make credit more accessible and convenient for retirees, pensioners, and public servants.

White Label credit card

Why offer a payroll-deductible credit card?

Diversify your presence in the payroll loan market with a product that carries low default risk.

  • Low risk

    Automatic deduction from payroll

  • New revenue stream

    Expand your operations in payroll lending and create a new source of income

  • Guaranteed security

    Visa technology + QI Tech
    anti-fraud

  • Full compliance

    Guaranteed delivery of the physical card and compliance with all regulations

Difference between the payroll-deductible credit card and the payroll benefit card

In addition to the payroll-deductible credit card, you can also offer the payroll benefit card, which provides even more advantages to customers:

  • Life insurance

    Life insurance

  • Funeral assistance

    Funeral assistance

  • Discounts at pharmacies and services

    Discounts at pharmacies and services

Payroll deductible credit card issuance
Payroll deductible credit card issuance

Your company can offer both solutions!

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Seta

Payroll-deductible credit card as a Service

Everything your company needs to offer a
payroll-deductible credit card

White Label payroll-deductible credit card

White Label payroll-deductible credit card

  • A payroll credit card with your brand
  • Customize with your design and experience
  • Digital formalization

Mobile and web app

Administrative dashboard

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Seta
All-in-one

Payroll-deductible credit card:
rely on an end-to-end journey

01Formalization

Rely on secure user authentication processes before issuing cards with your brand.

02Card issuance

Have full control over card delivery and invoice management.

03Banking enablement

Bank your operation with our solution.

04Assignment of receivables

Turn receivables into liquidity and structured funding.

Payroll deductible credit card as a service antifraud credit engine
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Payroll deductible credit card issuance delivery
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Payroll deductible credit card CCB
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Payroll deductible credit card DTVM FIDC
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Rely on technology
you can trust

  • Leader in infrastructure for financial services

    Leader in infrastructure for financial services

  • Largest FIDC administrator in Brazil, with US$28 billion in AUM (ANBIMA ranking)

    Largest FIDC administrator in Brazil, with US$28 billion in AUM (ANBIMA ranking)

  • More than 700 clients and operating payroll lending as a Service since 2021

    More than 700 clients and operating payroll lending as a Service since 2021

  • Authority in digital payments

    Authority in digital payments

  • Wide acceptance in Brazil and abroad

    Wide acceptance in Brazil and abroad

  • Secure and efficient real-time transactions

    Secure and efficient real-time transactions

Initially available only for the INSS agreement

New agreements will be added soon.

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Seta
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Expand your
operations with a payroll-deductible credit card under your brand

  • Rely on an all-in-one infrastructure
  • Physical card delivery to your customers
  • Payroll-deductible credit card or payroll benefit card

Important notice: QI Tech is a technology company licensed as a financial institution, enabling our correspondents to offer banking services directly to their customers. We emphasize that we do NOT provide payroll loans to individuals in the INSS, FGTS, SIAPE, Army, Navy, Air Force, benefit card, or private payroll modalities. Our role is to provide the necessary technology so that our partners can offer these solutions safely and efficiently.