Payments
A processor for digital businesses: checkout, recurring billing, anti-fraud, sales recovery and payouts across more than 140 currencies, all in one dashboard.
See the payments platform01 / Our company
One company, two businesses that make each other stronger.
Spark Reach brings together two businesses that depend on each other: the infrastructure that processes the payment and the apps that generate the subscription.
Subscription apps
A studio that builds, operates and scales subscription apps, with AI at the core of the product and payments built in from day one, open to affiliates who want to sell them.
Meet the studioPlatform coverage
+{{ cur }}
currencies available
+{{ met }}
payment methods
2structures
US LLC and Brazilian CNPJ
Reach of the operation subject to eligibility and availability.
02 / Global reach
One operation, customers everywhere.
Example markets. Availability depends on eligibility.
03 / Platform
Sell. Manage. Scale.
Build your complete payments operation.
Checkout, transaction management, international payments and integrations, all run from a single dashboard.
Sell
Checkout optimized for desktop and mobile.
With payment methods by business structure and one-click upsell after purchase.
- One-click, mobile-first checkout
- Upsell after purchase without re-entering details
- Methods based on the company’s structure and the customer’s country
In the demo, add the upsell and click pay to see the flow.
Create a free accountManage
Every transaction in one place.
Payments, statuses, customers, refunds, disputes and reports, with activity history and access control.
- Live volume and approvals
- Refunds and disputes tracked
- Activity history and access control
sparkreach
Live
TransactionsVolume today{{ vol }}
+12.4%
Approved{{ appr }}+3.1%
Refunds12
Disputes3
| Date | ID | Status | Amount | Method | Country |
|---|---|---|---|---|---|
| Oct 21, 2026, 10:42 | #SR-20931 | Approved | $149.00 | Visa | US |
| Oct 21, 2026, 10:31 | #SR-20930 | Approved | R$397.00 | Mastercard | BR |
| Oct 21, 2026, 10:12 | #SR-20929 | In review | €89.00 | Apple Pay | PT |
| Oct 21, 2026, 09:58 | #SR-20928 | Approved | $29.00 | Google Pay | US |
| Oct 21, 2026, 09:40 | #SR-20927 | Refunded | R$197.00 | Visa | BR |
| Oct 21, 2026, 09:21 | #SR-20926 | Approved | £120.00 | Link | GB |
| Oct 21, 2026, 09:03 | #SR-20925 | Approved | MX$1,990.00 | Amex | MX |
Scale
Ready to sell across countries and currencies.
With API and webhook integrations for your ecosystem.
- Sell in USD, EUR and more than 140 currencies
- Volume by currency and country
- API and webhooks for your systems
MarketsVolume by currency and country, demo data
Live
{{ m.c }} {{ m.n }}
{{ m.label }}
Currencies12
Countries24
Methods18
New York
São Paulo
Lisbon
London
Mexico City
Illustrative preview, demo data.
04 / Solutions
Everything your operation needs to sell and manage.
Features built to remove friction from the purchase, recover lost sales and give you full control over every transaction.
Live example
Sales recovery in action
A subscription renewal fails and comes back on its own.
- 10:02 Renewal declined Card declined on a $9.99 monthly renewal.
- 10:03 WhatsApp sent A message with a new payment link goes out automatically.
- 10:41 Payment recovered The subscriber pays and the plan stays active.
White-label checkout
Your brand on a one-click, mobile-first checkout, integrated into your site or platform.
Recurring billing
Monthly and annual plans with automatic renewal and smart retries when a card is declined.
One-click upsell
Offer extra products after purchase without asking the customer for their details again.
Sales recovery
Abandoned carts, unpaid Pix and declined cards come back through automatic sequences via WhatsApp, SMS and email.
AI anti-fraud
Approves the legitimate sale and blocks fraud, included at no extra fee.
Protected purchase
Checkout seal, end-to-end encryption, PCI and LGPD standards and dispute support.
Transaction management
Payments, statuses, customers, refunds, disputes, reports and performance in one place.
International operation
Sell in USD, EUR and more than 140 currencies, with Apple Pay and Google Pay.
Payment links
Sell without a website, by link or QR code, on social media, WhatsApp and email.
05 / How it works
Buy. Process. Grow.
A unified payments infrastructure.
The customer buys, the transaction is processed, the result is shown and the sale lands in your dashboard, with your system notified instantly.
- 01 /
The customer buys
A simple checkout that adapts to any device.
- 02 /
The transaction is processed
Smart routing and retries look for the best chance of approval.
- 03 /
The operation follows along
The sale’s status appears in the dashboard for tracking and management.
- 04 /
The business grows
Recovered sales and data to decide with clarity.
06 / Subscription apps
Subscription apps, from idea to scale.
The Spark Reach studio builds, operates and scales subscription apps with AI at the core of the product. Every app launches running on our payments infrastructure.
- 01BuildProduct, design and engineering for iOS, Android and web, with onboarding and paywalls designed to convert.
- 02OperateSubscriptions, support, refunds and disputes handled in the same dashboard where the payment happens.
- 03ScaleAcquisition, price testing and retention across countries, with each plan charged in the subscriber’s currency.
What changes when the app and the payments live under one roof
Renewals that don’t slip away
A card declined at renewal goes straight into the recovery flow via WhatsApp, SMS and email.
Local pricing in every country
The same plan charged in the subscriber’s currency, with international cards and digital wallets.
All revenue in one dashboard
Subscriptions, refunds and disputes from every app in one place.
07 / How we create
How we create every app.
Product, growth and payments work side by side on every app, from the first sketch to the thousandth renewal. Each one launches ready to sell on the web, in the app stores and through affiliates.
Sleep coachVersion 1.4, demo
In App Store review
AI sleep coachDone
Onboarding quizDone
Paywall in English, Portuguese and Spanish80%
Web checkout with Pix and cardsDone
Affiliate links and tracking60%
Next: price test in Mexico88% ready to launch
From idea to launch
Research
We map the audience, the problem worth paying for and the price people expect.
Prototype
Clickable onboarding, paywall and core feature, tested with real users before any code.
Build
Native iOS and Android apps plus a web version, with AI built into the core experience.
Launch
App Store and Google Play publishing, store pages and a web checkout ready to sell.
Grow
Price tests, retention flows, new markets and affiliates bringing in new subscribers.
What’s inside every app
AI at the core
Personalized plans, coaching and recommendations powered by AI models.
Onboarding that converts
Quizzes and personalized flows that lead naturally to the paywall.
Paywalls and pricing
Monthly, annual and trial plans, tested by country and currency.
Web-to-app checkout
Sell on the web with Pix, cards, Apple Pay and Google Pay, then unlock the plan in the app.
Retention and win-back
Renewal reminders, recovery of declined cards and offers to bring lapsed subscribers back.
Analytics
Conversion, churn, lifetime value and revenue by app, country and channel.
Store publishing
Submissions, reviews and policies for the App Store and Google Play, handled by our team.
Localization
Content, prices and payment methods adapted to each market.
Ready for affiliates
Every app launches with affiliate links, creatives and tracking from day one. See the program
08 / Affiliate program
Sell our apps as an affiliate.
Promote subscription apps built by the Spark Reach studio and earn [X%] on the first payment and [X%] on every renewal from the subscribers you bring.
sparkreachAffiliate dashboardAna Ribeiro, demo data
Live
Clicks today{{ affClicks }}
Sales this month312
Active subscribers1,148
Commission this monthR$18,420
Commissions, last 30 days+38% vs. previous 30 days
Your link{{ affLinkText }}
Recent commissions
New subscriber, annual planSão Paulo, just now+R$41.90
Renewal, monthly planLisbon, 12 min ago+R$7.20
New subscriber, monthly planMexico City, 26 min ago+R$7.20
01 /
Commission on renewals
You earn again each time a subscriber you referred renews.
02 /
Creatives ready to run
Hooks, videos, images and landing pages made by our growth team for Meta, TikTok and YouTube.
03 /
A checkout that converts
One-click web checkout with Pix, cards, Apple Pay and Google Pay.
04 /
Live tracking
Clicks, sales, renewals and refunds per link and per campaign, updated in real time.
05 /
Promote worldwide
Prices appear in each customer’s currency, so the same link sells in Brazil and abroad.
06 /
Paid through Spark Reach
Your commission is split automatically at payment and lands in your balance.
How it works
Request access
Create your free account and apply to the affiliate program.
Choose an app
Each app shows its price, its commission and the creatives you can use.
Share your link
Run ads, post content or send it to your audience. Every click is tracked.
Get paid
Commissions go to your Spark Reach balance and are paid out [payout schedule].
Apps open for affiliation
[App name]
[Category]- Plans from
- [price]
- First payment
- [X%]
- Renewals
- [X%]
- Attribution window
- [X days]
[App name]
[Category]- Plans from
- [price]
- First payment
- [X%]
- Renewals
- [X%]
- Attribution window
- [X days]
[App name]
[Category]- Plans from
- [price]
- First payment
- [X%]
- Renewals
- [X%]
- Attribution window
- [X days]
09 / Pricing
Transparent fees, no catch.
No monthly fee, no setup fee and no surprises at the end of the month. You only pay when you sell, and you know exactly how much before you start.
Standard fee
{{ feeStdTxt }}+ R$1.50 per approved sale
Valid for every payment method, in the currency of the sale.
- R$0 to get started
- No monthly fee
- Anti-fraud included
- Sales recovery included
- One-click checkout and upsell
International sales
{{ feeFxTxt }}FX fee on foreign-currency sales
Applied only when a USD or EUR sale is converted to Brazilian reais. The standard fee stays the same.
- Everything in the standard plan
- Checkout in USD, EUR and 140+ currencies
- Apple Pay and Google Pay
- International cards
- Companies with an LLC or a CNPJ
High volume
Let’s talk.Terms negotiated for your operation
For large operations and platforms that need their own terms and dedicated support.
- Volume-based terms
- Assisted integration
- Reports and access control
- Support from the Spark Reach team
Fee simulator
Simulate a sale
Move the slider to see what reaches your account with the standard fee.
R$10R$2,000
- Standard fee (7.99%)
- −{{ calcStd }}
- Fixed fee per sale
- −R$1.50
- FX fee (7%)
- −{{ calcFx }}
- You receive
- {{ calcNet }}
Paid out to your account{{ calcNow }}
Security reserve (10%){{ calcReserve }}Released after the security period
Illustrative simulation. Your account’s exact terms are shown before you sign up.
How it works in practice
On a R$100 sale in reais, the 7.99% standard fee (R$7.99) plus the R$1.50 fixed fee are deducted and you receive the rest, R$90.51, automatically in your payout account. The 7% FX fee only applies if the sale is in a foreign currency.
Security reserve
10% of the sale is temporarily held as a reserve against refunds and chargebacks and released after the security period. It keeps the operation healthy without blocking your account.
10 / Payment methods
LLC + CNPJ
Offer the payment methods your customers already use.
Enabled methods vary by country of incorporation, business structure and eligibility of the operation.
LLC in the United States
With a business account linked to a US LLC, your operation can accept the methods below, subject to eligibility and availability.
Cards
Visa
Mastercard
American Express
Discover
Digital wallets and alternative methods
Apple Pay
Google Pay
Link
Cash App Pay
Amazon Pay
Affirm
Afterpay/Clearpay
Klarna
CNPJ in Brazil
With a business account linked to a Brazilian CNPJ, your operation can accept the methods below, subject to eligibility and availability.
Cards
Visa
Mastercard
American Express
Discover
Digital wallets and alternative methods
Apple Pay
Google Pay
Link
Alipay
Availability of currencies, countries and payment methods may vary by account type, company location, transaction currency, eligibility, review of the operation and processing partners.
11 / Integrations
Connect Spark Reach to your business ecosystem.
Integrate payments, products, users and flows with e-commerce, platforms, marketplaces, internal systems and analytics tools.
- E-commerce
- Digital products
- Platforms
- Marketplaces
- Internal systems
- APIs
- Webhooks
- Analytics tools
- Support systems
Built for sellers and for developers
POST /webhooks/spark-reach
{
"type": "subscription.renewed",
"data": {
"amount": 999,
"currency": "usd",
"status": "approved"
}
}
Illustrative example of an event sent to your system.
Open documentation12 / Security
Technology to sell. Control to operate.
Monitoring, activity history, risk management, access control, data protection and transaction tracking across the whole flow.
01 /
Technology
Infrastructure built to scale with your operation.
02 /
Monitoring
Continuous tracking of transactions and account activity.
03 /
Control
Access and permission management for your team.
04 /
Transparency
Activity history and visibility over the operation.
05 /
Protection
Care with sensitive data across the whole flow.
06 /
Operational compliance
PCI and LGPD standards applied across the transaction journey.
07 /
Stability
Architecture designed for availability and consistency.
08 /
Activity history
Traceability of every action taken on the platform.
13 / Why switch
Why switch your gateway to Spark Reach.
If you still lose sales to declines, wait days to get paid or pay dearly for support that never answers, it’s time to move.
| Criteria | Typical gateway | Spark Reach |
|---|---|---|
| Approval rate | Standard, no optimization | High, with smart routing and retries |
| Sales recovery | Manual or non-existent | Automatic via WhatsApp, SMS and email |
| Checkout | Generic and slow | White-label, mobile-first and one-click |
| Anti-fraud | Blocks even good sales | AI that approves the legitimate and blocks fraud |
| Subscriptions | A declined renewal becomes a cancellation | Retries and a recovery flow at renewal |
| Support | Tickets that take days | Fast, human support |
| Transparency | Confusing fees | Clear pricing, no fine print |
The cost of staying where you are
Every extra point of declines, every unrecovered cart and every extra day to get paid has a price, and it comes out of your profit. Switching usually pays for itself with the sales you’re letting slip today.
Illustrative positioning comparison. Your account terms are presented transparently before you sign up.
14 / Good to know
Frequently asked questions.
Didn’t find what you were looking for? Talk to the team.
No. Spark Reach is a payments technology platform for checkout and transaction management. We are not a bank, a digital wallet or a financial institution. Processing is carried out by compatible payment providers.
You pay 7.99% + R$1.50 per approved sale, with no monthly fee and no setup fee. Foreign-currency sales converted to Brazilian reais carry a 7% FX fee. High-volume operations can negotiate their own terms.
Companies with an LLC in the United States or a CNPJ in Brazil. Available methods vary with the structure and the eligibility of the operation.
Yes. You can charge in USD, EUR and more than 140 currencies, with international cards, Apple Pay and Google Pay, subject to the eligibility of the operation.
Through the ready-made checkout, a payment link or the API with webhooks. The documentation covers fees, upsell, subscriptions, digital wallets, events and security.
Yes. We apply PCI and LGPD standards across the whole transaction journey, with encryption, continuous monitoring and access control for your team.
It builds, operates and scales subscription apps, from product design to growth across countries. Every app runs on the same payments infrastructure as the platform.
You request access, choose which Spark Reach apps to promote and share your own tracked link. You earn [X%] on the first payment and [X%] on renewals from subscribers who come through your link.
Commissions go to your Spark Reach balance after the security period and are paid out [payout schedule]. Refunded or charged-back sales are deducted from your balance.
Let’s connect
Your next sale can come from a single platform.*
Create your free account and publish your first product in minutes, or tell us about your operation and our team will walk you through Spark Reach for your business.
Create my accountOr talk to a specialist using the form.
Talk to a specialist
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