Latest news with #subscriptionServices
Yahoo
27-06-2025
- Business
- Yahoo
Brazil's reshaping of the Latin American subscription economy
Brazil has quietly built one of the most successful real-time payment systems in the world over the past five years. Launched in late 2020 by the Central Bank of Brazil, Pix enables instant, free payments between individuals and businesses. Today, over two-thirds of the Brazilian population use Pix regularly, with people saying 'Pix me' instead of 'pay me back', and surpassing both credit and debit cards in transaction volume according to the Central Bank. Pix is now taking a significant step forward in the recurring payments space with the introduction of Pix Automático, a major upgrade that enables automated, pre-approved recurring payments. Building on the success of Pix, this new feature introduces a streamlined experience for subscription-based services and recurring charges. It promises to elevate an already trusted and efficient payment method into a powerful tool for sustained digital commerce, providing a blueprint for other countries in Latin America and beyond to follow. As Brazil's economy has modernised, more and more international companies that rely on subscription services have entered the South American country. In fact, subscription box services alone generate over $170 million annually. But until now, recurring payments typically relied on manual processes. With just 40% of Brazilians owning a credit card -and over 75% using Pix-, subscriptions must be paid manually every month using Pix or Boleto Bancário. Pix Automatico is set to reflect the adaptability and success of Pix in a card-scarce environment. It's a natural next step as a technical evolution that brings automation, simplicity, and reliability to recurring payments, all while building on the strong consumer trust Pix already enjoys. Pix Automático changes the equation. It allows consumers to authorise recurring debits directly from their existing bank or wallet accounts, eliminating the need for credit cards, repeated QR code scans, or monthly reminders. The process begins with a one-time enrolment, often via QR code or app interface, which serves solely to authorise future charges. The result is a smoother, more trustworthy experience that remains user-controlled through opt-in and cancellation features. For businesses, the implications are enormous. It offers them a more predictable cash flow, lower churn, and higher customer lifetime value, especially important in a market where flexibility and simplicity are key. Now, companies that rely on subscription models can reach Brazil's large unbanked and underbanked populations—people who were previously excluded from the digital economy due to a lack of access to traditional banking. Neobanks like Nubank (with over 104 million customers across Latin America) and Banco Inter (30 million in Brazil) offer simple, accessible alternatives. Digital wallets such as PicPay and Mercado Pago are also widely used, helping millions manage money and make payments without a traditional bank. For these consumers, Pix Automático doesn't just improve convenience—it represents inclusion. Banks and fintechs are also poised to benefit. Beyond media subscriptions and digital content, Pix Automático can power recurring use cases like insurance premiums, utility bills, gym memberships, and even automated savings or micro-investments. The infrastructure opens the door for new financial products that are simple, real-time, and inclusive by design. There's growing speculation that Pix Automático could even displace traditional direct debits in Brazil. Unlike legacy debit arrangements, which are slow to set up and can be bank-specific, Pix Automático offers real-time settlement and works across institutions. Pix Automatico isn't a new alternative form of payment in the Brazilian market, rather a continuation of the country's bold leadership in digital payments. Pix is already the country's most used payment method, deeply embedded in the lives of consumers and businesses alike. Pix Automático builds on this maturity, adding functionality that makes recurring payments easier, more consistent, and better aligned with both consumer behaviour and business needs. For companies looking to grow in Brazil, integrating Pix Automático will require collaboration with payment processors, updated user flows, and strong customer education. But the return is clear - stronger conversions, more predictable revenue, and a deeper connection to one of the world's most innovative digital economies. Brazil has already proven that game-changing financial innovation can come from central bankers, not just tech giants. Pix Automático is the next chapter in that story, reminding us that the future of fintech may be written not only in code, but also in Portuguese. Federico Mazzoli is VP of Product at dLocal "Brazil's reshaping of the Latin American subscription economy " was originally created and published by Electronic Payments International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Sign in to access your portfolio
TechCrunch
04-06-2025
- Business
- TechCrunch
RevenueCat and Paddle team up to help app developers profit from web payments
Payments and subscription infrastructure providers Paddle and RevenueCat have teamed up to launch an alternative to Apple's in-app purchases in the wake of a U.S. App Store policy change that now allows app developers to process their own payments. The companies on Tuesday announced a new integration that allows users to make purchases from developers' apps, whether on web or mobile devices. Paddle manages the web-specific payments, along with associated tax and compliance complexities. Meanwhile, thanks to RevenueCat, developers have access to their subscription data and performance across both web and mobile platforms. The ability to even offer links for in-app purchases via the web is a new change for iOS applications in the U.S. The decision came down from District Judge Yvonne Gonzalez Rogers as part of the court's ruling in Fortnite maker Epic Games' antitrust lawsuit against Apple. While Apple largely won its case, as the court declared it was not a monopolist, it was also forced to allow developers to link out to web payment options without having to pay Apple a commission. Combined, the new solution from Paddle and RevenueCat offers a way for users to subscribe once on one platform — web or mobile — then automatically access their subscription across all devices. Plus, subscription data is stored in the RevenueCat dashboard, where developers can track real-time analytics across web, iOS, and Android for easy access. Some apps already use services from both providers, like the running app Runna. In that case, the new integration offers a more seamless path to web monetization, the companies explain. 'There's a huge opportunity for subscription apps to grow revenue by expanding to the web — but that shift brings new technical and operational challenges,' said Jimmy Fitzgerald, CEO of Paddle, in a statement shared with TechCrunch. 'By partnering with RevenueCat, we're making it easier for developers to manage subscriptions across platforms, while giving them more control over how and where they monetize.' RevenueCat co-founder and CEO Jacob Eiting, whose service today powers over 70,000 apps, added that Paddle was a great partner on the new effort, which will allow developers to offer web-based payments alongside traditional app stores.
Forbes
18-05-2025
- Business
- Forbes
7 Monthly Subscriptions That Help Creators Save Time And Earn More
For most creators, time is your most valuable currency. For most creators, time is your most valuable currency. Since many influencers also work full-time, they're left to manage an entire second business during their nights and weekends. Between managing invoices, reading contracts, creating content, negotiating with brands, and running a business, there's rarely enough time to go around. Thankfully, with the expansion of the creator economy, more subscription-based services are popping up to help make running a creator business that much simpler. These monthly subscriptions can be the difference between barely keeping up and actually scaling your creator business. Whether you're looking to automate admin work, sharpen your content workflow, or maximize your income potential, investing in a few strategic subscriptions can pay off fast. Price: $19/mo After recognizing a serious problem for creators who were not able to get invoices paid without hiring expensive lawyers who often charged more than the price of the invoice they were tracking down, Grace Tabib started DUPAY. They aim to eliminate late and unpaid invoices for creators, freelancers, and small businesses. DUPAY provides creatives with the tools and support they need, like invoice collection, a contract checker, and an invoice generator, so that they can spend more time creating and less time figuring out legalities. Price: $300/mo+ It's clear to most creators who have ever used an accounting service that many traditional CPAs do not understand the nuances of the creator industry, but Cookie Finance is different. They offer tax, bookkeeping, and accounting services specifically for content creators and influencers. They understand that things like Netflix and a makeup product you purchased to start receiving affiliate commission on are deductible, necessary business expenses. Cookie Finance supports everything from filing your taxes and organizing your books to setting up your LLC and payroll. Price: Starting at $0/mo You don't need to have a podcast to utilize Riverside. This online studio platform allows you to record and edit content directly within the platform. Recording in Riverside is different from other platforms because it provides 4K studio-quality, local recording which means that even if your wifi lags, you'll still have a clear, crisp recording. Beyond their recording features, you're able to use their text-based editing option, AI voice, captions, and AI short-form clip generator to help save time with creation. For those creators who go live with their audience, Riverside also allows you the capabilities to stream your events and webinars in full HD from a fully branded studio on multiple platforms at once. Price: $10+ Negotiating with potential brand partners can feel like a shot in the dark. FYPM is the largest database of influencer brand deals for creators, by creators. There are over 24,000 verified reviews on 10,000+ brand collabs, creator agencies, and platforms. You'll be able to use this platform to see pay rates, reviews, and more to help you sign a fair deal. To help build the database, FYPM allows creators to earn free access by reviewing a brand that they've worked with. Price: Varies by service Registering your business, starting your website, and designing your logo can all be confusing to someone just starting out with their business. Tailor Brands is an all-in-one business-building platform that helps content creators easily launch and grow their brands. They simplify the backend of running a creator business, offering services like LLC formation, business licenses, permits, trademarking, and more. Price: $9.99/mo Finding great royalty-free music to use in your content can sometimes feel like a needle in a haystack. Epidemic Sound is a royalty-free music platform that gives creators access to a massive library of high-quality tracks and sound effects that they can legally use across all social media platforms, podcasts, and more. Creators no longer have to stress about copyright claims or searching through pages and pages and boring music. Price: Starting at $0/mo OtterAI is a powerful transcription tool that helps content creators save time by automatically turning audio and video into accurate, searchable text. Whether you're recording podcast interviews, YouTube scripts, or meeting notes, OtterAI makes it easy to repurpose spoken content into blog posts, captions, or newsletters. It's invaluable for creators managing a lot of content who want to streamline their workflow and stay organized without manually transcribing everything. Many creators also opt to use OtterAI to speak their ideas into the app and allow it to organize scattered thoughts for you. Bottom Line Creators wear a lot of hats, but with the right subscriptions, you don't have to wear them all at once. These creator tools can help you save time, stay organized, and ultimately earn more while doing less.
