COMPANY

Three decades powering technology for finance and customer experience
WHO WE ARE

Founded in 1992, CSU revolutionized Brazil's card industry by democratizing access to payment infrastructure.

Throughout our history, we have built a distinctive operating model that seamlessly integrates banks, financial institutions, retailers, service providers, and consumers. This connected ecosystem enables highly customized services, continuous access to new markets, and a track record of pioneering innovative products and solutions.

+ clients
Clients include Brazil's largest banks and enterprise brands

M+
Cards under management
$

B+
Total Processed Volume (TPV, 2025)

B+
Managed transactions (2025)

+
Employees globally
WHAT WE DO

An effortless experience, built for high performance and full-service delivery

We combine technology, AI, hyperautomation, and operational expertise to deliver scalable experiences.

Pays

Helping financial institutions launch, manage, and scale card programs with speed, reliability, and flexibility.

Digital banking experiences through API-first infrastructure and fully branded white-label solutions.

Proprietary, in-house servicing and customer experience solutions – never outsourced.

AI, chargeback and disputes with hyperautomation, Fraud and Risk.

WHY CSU DIGITAL

30+ years of proven performance.
Built for what's next.

We are bringing modern technology and customer-first service to the U.S. market

Built to Perform Financial Health

Proven strength for over three decades. Zero continuity risk

Exemplary Governance

Transparent, well-structured processes built for regulated markets and investors

Built to Perform
Built to Innovate Robust Solutions

Powerful platform with the flexibility to innovate faster

100% Cloud & AI-Driven

Scalable solutions with embedded AI in product, operation and service

Built to Innovate
Built to Partner Customer Performance

High-touch support with best service indicators in the market

White-glove service

Direct access to experts, and long-term alignment with customer goals

Built to Partner
OUR CULTURE

Leadership that transforms

Mission

To develop complete, effective and creative solutions, through products and services that provide quality service and generate excellent results, building customer loyalty.

Mission
Vision

To be a leader in the markets in which we operate, offering complete solutions to our customers and earning the respect, admiration and trust of our public.

Vision
Values

• Pioneering and innovation
• Meritocracy
• Ethics
• Commitment

Values
OUR HISTORY

Decades of experience to power your business

Our history reflects a continuous commitment to driving transformation and delivering value at scale.

TIMELINE

2020s

  • International expansion, with a new office and the start of operations in the U.S.
  • Launch of Embedded Finance, Hyperautomation (HAS™), and AI-powered Risk Management (CRIS™) solutions
  • Launch of AI Agents for payments and customer experience
  • New identity: CSU Digital is born with a more modern positioning to keep pace with changes in the business and the market
  • US$ 100+ billion in transactions processed
TIMELINE

2010s

  • First company in Latin America to process a payment on a digital wallet
  • Launch of the merchant acquirer processing solution for the Brazilian market
  • Evolution of Loyalty offers in Brazil (tailor made marketplace)
  • New digital products and solutions: digital card, virtual card, digital wallets, wearables and NFC
TIMELINE

2000s

  • First company in its segment to go public in Brazil (B3: CSUD3)
  • Became the largest independent card processor in Latin America
  • Creation of new Loyalty and Digital Experience verticals
  • CSU Institute was created, a project aimed at digital inclusion and professional training
TIMELINE

1990s

  • In 1992, Marcos Ribeiro Leite founded CardSystem Ltd.
  • First independent card processor in Brazil
  • First company in Brazil to work with the three major card networks simultaneously
  • In 1997, with the entry of new investors, CardSystem Ltd. was renamed CSU CardSystem
PARTNERS

Partnership ecosystem that drives innovation


“Mastercard and CSU Digital, through the bin sponsor model, are together driving innovation and delivering secure, high-performance solutions in the payments industry”
Rafael Frade Director of Fintech, Enablers & Crypto
“Together with AWS infrastructure, CSU Digital offers agile, scalable and secure solutions to drive innovation.”
Ana Claudia Borges Safar Head of Sales Financial Services
"With the support of Microsoft's technologies, CSU Digital is driving digital transformation and enhancing efficiency in business process management."
Virginia Figueiredo Ruiz Account Executive
"Based on Google Cloud's cloud and AI technologies, CSU is optimizing processes and improving the customer experience with financial and payment products."
André Sales Head of Sales Latim America
"CSU Digital, one of IBM's leading partners for Business Automation in Latin America, is transforming process management with AI."
Marcela Vairo Vice President of Data & AI

INVESTORS

Investor relations

Review of financials, governance, policies and latest performance reports.


Explore Financials
OUR LOCATION

Where we operate

Offices in Brazil and the United States, serving clients across the Americas.

North America United States

· Miami, FL

South America Brazil

· Barueri, SP
· São Paulo, SP
· Belo Horizonte, MG
· Recife, PE

Scale with the security, speed, and flexibility your business demands

Our team of specialists is ready to deliver the solution for your business.

Talk to a specialist