Fintech for the tourism and entertainment market
Sale, payment, management and bank
Bela Pagamentos — COO & CPO & Co-founder
NOV 2008 - FEB 2021 • Gramado/RS - Brazil
Bela
Bela is a fintech for tourism, providing solutions for sales, payments, management and digital bank for hotels, travel agencies, parks, and events.
HIGHLIGHTS
• Built the company's strategy, team, and tech products from scratch, including branding, business strategy, OKRs, positioning, and competitive analysis.
• Lead the operation and product teams, being the direct leadership for 50 people, building a strong organizational cultural, being also responsible for institutional relations for regulation and homologation of financial products.
• Developed the proprietary technology for e-commerce systems for tourism (hotels, travel agencies, parks, and events), for sales and management, including sales with an assigned seat.
• Developed the product roadmap, platforms design (UX/UI), and lead the software development team and QA testing, managing the launch and update versioning.
• Lead the development and launch of over 15 products, distributed into sales, management, payments and banking systems, with e-commerce and physical products, including POS (point of sale, card machine for selling, paying and issuing tickets) and ticket gates.
• Developed payment and banking systems for e-commerce and POS/in person payments, with EMV routines and MTIP/ADVT/PVTE certifications, payments processing platform multi-acquirer and with split into multi-levels in any transaction, internal P2P payments platform between digital accounts (closed arrangement) and NFC payment bracelet in P2P model (private label).
• Homologated the POS software with chip&pin payments with Visa, Mastercard, and Elo.
• Launch a digital bank vertical, with web and native iOS and Android apps, and physical card, with 3,000+ people registered.
• Strategized and implemented multiple revenue streams and monetization strategies, creating also a community of 3,000 Bela+ sales promoters (receptionists, travel agents, Uber drivers, etc., registered to sell tickets and city attractions).
• Reached a TPV (total payment volume) of R$ 120 million, operating only in the city of Gramado/RS - Brazil, with 1,200 client establishments, 450 POS, R$ 5.5 million, 50% of POS in e-commerce and 50% in person via POS, ˜300,000 transactions/year.
I founded Bela, a fintech for the tourism and entertainment market, together with my brothers when I was 15 years old, wherein operation I was directly responsible for the creation and development of the company’s main solutions as well as for leading the areas of technology and institutional relations, creating sales, payment, management, and banking solutions for companies in the tourism and entertainment market.
In 2018, the company reached a TPV (total payment volume/the total volume transacted) of R$ 120 million, operating only in the city of Gramado/RS - Brazil, with 1,200 establishments, 3,000 individuals sales promoters, 450 POS, and R$5.5M in revenue.
Sales:
- e-commerce for hotels and vacation rentals
- e-commerce for travel agencies, parks, events and restaurants
- spot vending system
Payment:
- EMV routines and MTIP/ADVT/PVTE certifications;
- Proprietary processing platform (POS and E-Commerce) multi-acquirer;
- Proprietary split tool (POS and E-Commerce);
- Split into multi-levels in any transaction (POS and e-commerce);
- Posthumous split (after capture) on any transaction;
- Internal P2P payments platform between digital accounts (closed arrangement);
- Payment link platform (ticket, cards, billed);
- NFC payment bracelet in P2P model (private label) Proprietary authorization, capture and processing technology;
- Proprietary system of turnstiles as a means of payment (stadiums, parks, concerts and events);
- Payment by QRCode;
Management:
- Back-end system for POS park control, activation, configuration and remote update;
- POS notification system;
- Payment automation for sales channels (Booking.com, Hoteis.com, Decolar.com, Expedia.com);
- Sales commissioning platform for representatives;
- Proprietary anticipation platform;
Bank:
- 100% Proprietary banking core (account management);
- iOS, Android and Web native digital account app;
- Bank reconciliation;
- Settlement via CIP or TED;
- Settlement on graphic accounts;
- Integration with issuers of prepaid cards;
