b2.solutions

What It Is

B2 is a fintech software and consulting provider headquartered in Belo Horizonte, Brazil. Its website positions the company as a payment solutions hub “driving a cashless world.” It is not a typical acquiring gateway for small and midsize merchants; instead, it serves financial institutions, issuers, payment companies, and card business teams, offering capabilities such as payment system implementation, migration, quality assurance, outsourcing, consulting, and training. According to its website, B2 has 21 years of market experience, 150+ employees, and 3000+ projects.

Core Capabilities

In terms of service scope, B2 covers credit, customer onboarding and account opening, card personalization and production, authorization, clearing, currency/finance/accounting processing, billing, disputes, delinquency, collections, compliance, loyalty, anti-fraud, authentication, and channel integration. Supported payment-related products include credit cards, debit cards, prepaid cards, Gift, corporate cards, loyalty cards, and Consignado, with mentions of digital wallets, Tokenization, 3DS, BNPL, and Private Label. Its integration coverage is broad, including Visa, Mastercard, Elo, Amex, credit bureaus, anti-fraud platforms, collection agencies, ATM services, and digital wallet providers.

Pricing and Compliance

The website does not disclose rates, fees, plans, or settlement timelines, so it cannot be used as a reference for merchant acquiring costs. The model is likely more project-based or custom-quoted. On compliance, its privacy policy states that it follows Brazil’s LGPD, provides DPO contact details, and describes mechanisms such as access controls, least-privilege permissions, annual permission reviews, and reporting security incidents to ANPD. However, it does not disclose payment licenses, financial regulatory authorizations, or certifications such as PCI.

Pros, Cons, and Best Fit

B2’s main strength is its end-to-end coverage across the card business lifecycle. It is especially suitable for projects involving issuing, card scheme release adaptation, disputes/chargebacks, anti-fraud authentication, accounting and billing, and system migration. It also has localized experience in Brazil’s payment ecosystem. Its weakness is the lack of public technical information: API documentation, SLA, pricing, implementation timelines, and licensing details are not available, so buyers will need to conduct substantial due diligence before procurement.

Access from China and Alternatives

Access from mainland China cannot be determined from the available content, so it is marked as unknown. For Chinese companies looking to enter Brazil or the broader Latin American card payment ecosystem, B2 may be a candidate for local implementation and consulting. For global online acquiring, it is worth comparing Adyen, Stripe, Fiserv, FIS, TSYS, Pismo, Dock, EBANX, and others.