Zoop Technology: Embedded Finance and Tap to Pay in 2026 – A UK Perspective

Zoop's embedded finance technology has jumped to the centre of payments news in 2026 — and not by accident. The iFood group fintech closed its last cycle with R$ 1 billion in revenue and already aims to double that figure. If you develop software, manage an ERP, or run a sales app, understanding what underpins this infrastructure is no longer optional.

TL;DR

• Zoop is the embedded finance fintech of the iFood group, founded in 2013, and delivered R$ 1 billion in revenue in the last fiscal cycle.
• In 2026, TOTVS and Omie joined its client portfolio, transforming their ERPs into financial hubs.
• Tap to Pay White Label turns any smartphone into a payment terminal via NFC and has already processed over R$ 20 billion.
• For app and system creators, embedded finance opens a new revenue stream — provided the integration is well executed.
• Agathas Web works precisely at this link: connecting payment APIs to bespoke digital products.

What is Zoop technology and why it matters in 2026

Zoop technology was born in 2013 and now operates as an autonomous business unit within iFood Pago, the financial arm of the iFood group. Instead of selling a card machine or a banking app to the end consumer, the company offers the 'kitchen' of payments: APIs, SDKs and the infrastructure that other companies embed into their own products.

This model has a name — embedded finance. The idea is straightforward: any company, even without being a bank, can offer payments, accounts and credit within its own platform. The user doesn't even notice there's a fintech behind it. It's the same logic that lets you pay inside a delivery app without opening your bank's app.

Why has this gained traction now? Because the market bar has risen. Charging well, receiving quickly and offering credit at the point of sale have become competitive differentiators, not luxuries. And Zoop technology has positioned itself as the layer that delivers all this ready-made, without the client company needing to become a bank.

Embedded finance explained without jargon

Imagine a management system for restaurants. It controls stock, orders and menus. One day, that same system also processes the table payment, advances receivables and issues a digital account for the owner — all without switching screens. That's embedded finance in practice.

Three blocks usually make up the offering:

• Payments: accept card and digital payments within your own app.
• Accounts (BaaS): open and manage digital accounts on behalf of your clients.
• Credit: offer advances and loans using data you already have about the client.

The gain for the software developer is twofold: it retains the user — they don't leave your platform — and creates new revenue, with a slice of each transaction. For the end client, it removes the friction of jumping between apps and entering card details in three different places.

The risk? Poor integration. Payment is a regulated area: it requires reconciliation, error handling, security and compliance with the Central Bank of Brazil. An API connected hastily, without thinking about failures and reprocessing, becomes an accounting headache at the first month-end close.

It's worth a direct comparison: in the old model, accepting card payments meant contracting an acquirer, homologating a physical card machine and dealing with slow settlements. With Zoop technology, much of that path comes packaged in an API — the problem shifts from 'buying hardware' to 'writing a solid integration', which is where the outcome is truly decided.

Tap to Pay White Label: the card machine became software

The product that has most put Zoop technology in the spotlight is Tap to Pay. The term describes a technology that turns a smartphone into a contactless payment terminal, using the NFC (Near Field Communication) chip — the same one that taps a card on a machine. No extra hardware: the seller's own phone now accepts card and digital payments.

Zoop's differentiator is the White Label model. According to Finsiders Brasil{target="_blank"}, the fintech launched the first white-label Tap to Pay solution in the country. In practice, a software house takes Zoop's SDK and embeds contactless payment within its own app — with its brand, its visual identity and a unified purchase journey. The end user sees your product, not Zoop.

The numbers are impressive: the technology has already processed over R$ 20 billion, according to InfoMoney{target="_blank"}. And expansion continues: Zoop has partnered with Barte to bring Tap to Pay to medium and large enterprises as well.

If you follow the Apple ecosystem, you know that the iPhone opened NFC to third-party payments — a topic we detail in the iOS 26 guide. It is precisely this hardware openness that makes Tap to Pay viable on a national scale.

TOTVS, Omie and the ERP that became a bank

The most strategic move of 2026 appeared at the ERP Summit 2026, held in São Paulo on 17–18 March with over 120 speakers. There, Zoop announced that TOTVS and Omie — two Brazilian software giants — had joined its client portfolio.

What does this mean in practice? That the ERPs that thousands of Brazilian companies use to issue invoices and manage cash flow now natively offer payments and financial services. Felipe Brandão, Zoop's Head of Sales, summarised the stage as the transition 'from traditional software to the financial ecosystem', according to coverage by Startups{target="_blank"}.

For the Brazilian market, the message is clear: the ERP is no longer just a process controller; it has become a gateway to banking services. Those who develop, resell or customise management systems need to look at this movement now — before the competitor offers embedded payments first.

The numbers behind Zoop technology

Talking about financial infrastructure without numbers is empty talk. It's worth anchoring the discussion in public and recent data:

Indicator	Reported Mark	Source
Revenue in last cycle	R$ 1 billion (2025 target exceeded)	Startups
New cycle target	Double revenue	Startups
Founded	2013	InfoMoney
Volume processed via Tap to Pay	Over R$ 20 billion	InfoMoney
New ERP clients in 2026	TOTVS and Omie	Startups

Zoop technology delivered R$ 1 billion in revenue, comfortably exceeding its 2025 target, and enters the new cycle with the stated aim of doubling that result, according to Startups{target="_blank"}. This is not a promise from an early-stage startup: it is a mature operation within one of the country's largest technology groups. That scale matters when you are supporting your product on third-party infrastructure — stability and regulatory compliance are not details.

How Zoop technology speaks to software developers

Here the conversation gets practical. As a CTO and full-stack developer, I see embedded finance less as a 'financial product' and more as a software resource that you plan, integrate and maintain. Zoop technology delivers the foundation; the difference between a smooth launch and a nightmare lies in the engineering of the integration.

What integration really requires

• Reconciliation: every transaction must match your database. Card payments settle in D+1 or D+30. Your system must reflect this without gaps.
• Webhooks and idempotency: payments generate asynchronous events. If you process the same webhook twice, you charge the client twice — and lose their trust.
• Security and data protection: payment data is sensitive. Tokenisation, TLS and minimum access scope are not optional; they are the floor.
• Frictionless experience: the embedded checkout must be as fluid as the rest of the app, or conversion will drop at the exact moment the client is about to pay.

When it makes sense — and when it doesn't

Embedded finance shines when payment is a central part of the journey: marketplaces, delivery apps, management systems, booking platforms. It doesn't make sense to embed an entire financial stack into a corporate website that receives three orders a month. In those cases, a simple gateway solves the problem with less cost and less regulatory responsibility. Knowing this difference saves months of work.

Where Agathas Web comes in: bespoke integration

Zoop technology — like any embedded finance infrastructure — does not resolve itself. Someone needs to design the architecture, integrate the APIs, handle the webhooks, set up reconciliation and ensure the app doesn't break at the first sales peak. That is precisely the work of Agathas Web.

Since 2008 we have developed bespoke solutions — from mobile apps to management systems and integrations with third-party APIs. The same discipline we apply to integrating the official WhatsApp API applies to plugging a fintech like Zoop into your product: understand the business, map the flows, write code that withstands production and test every error path before the client finds it.

If your company is thinking about offering payments within its own app — or transforming an existing system into a financial hub, as TOTVS and Omie have done — the bottleneck is rarely the fintech. It's the integration. And integration is engineering, not panel configuration.

Drex and the next chapter of payments

Looking ahead, Zoop technology and the entire embedded finance sector are preparing for Drex, the digital version of the Brazilian Real. It is an infrastructure based on distributed ledger technology — the same family of technology behind cryptoassets — to modernise the Brazilian financial system, with launches expected throughout 2026.

In practice, Drex promises near-instant settlement and 'smart contracts' for financial operations, which could lower the cost of credit and receivables advances. For software developers, it is another layer that, sooner or later, will knock on your integration's door. It's worth following closely, just as we follow the advance of AI in business — a topic we explore in AI agents for businesses.

Conclusion: payment has become a feature of your product

The lesson of 2026 is straightforward: payment is no longer a button at the end of the checkout; it has become a strategic feature within the product. Zoop technology shows the way — embedded finance, Tap to Pay White Label, ERPs that become banks — but the one who reaps the reward is the one who integrates well.

If you want to understand how to plug payments, accounts or credit into your app or system without turning it into technical debt, it's worth a conversation with those who have been doing system integration for over fifteen years. The technology is ready and accessible; the differentiator, as always, lies in execution.