Pay³

Introduction to Pay³

Pay³ is a WhatsApp-based financial service designed specifically for freelance professionals in Brazil. It enables freelancers to generate PIX payment links from voice notes within 30 seconds, eliminating the need for standalone apps, dashboards, or monthly subscriptions. The platform targets Brazil’s estimated 32 million self-employed workers — including hairdressers, personal trainers, nutritionists, barbers, and psychologists — who often lack access to tailored financial tools for pricing, invoicing, deposit collection, and financial documentation.

Unlike conventional billing solutions, Pay³ operates entirely within WhatsApp without requiring app installation or account creation. It addresses systemic challenges faced by informal and micro-entrepreneur freelancers: inconsistent pricing, no-show losses, blurred personal and business finances, and limited access to formal credit due to undocumented income. The service is built on regulatory compliance with the Central Bank of Brazil (BCB) and integrates with licensed financial partners for payment processing and account services.

Key Takeaways

• Converts WhatsApp voice notes into professional PIX, card, or installment payment links in under 30 seconds
• Offers four core AI-powered tools: financial health check, fair price calculator, no-show deposit collection, and instant billing
• Requires no app download, no dashboard, and no monthly fee — users pay only upon successful payment receipt
• Automatically documents all transactions with client names, dates, and service details to build a verifiable business financial profile
• Separates personal and professional finances by routing payments through dedicated, branded payment links
• Generates region-specific pricing recommendations using official and market data for over 9 professional categories
• Supports white-label integration for banks and fintechs via REST API, webhooks, and sandbox environments
• Complies with Meta Verified infrastructure standards and Central Bank of Brazil (BCB) regulations for payment services

How Pay³ Works

The workflow consists of three sequential steps initiated directly within WhatsApp. First, the user sends a voice note, text, or image describing a service (e.g., "progressive hair treatment", "coaching session", or "physical therapy package"). Second, Pay³ processes the input using domain-specific models trained on profession-related terminology and local market benchmarks to calculate a fair regional price, generate supporting justification arguments, and produce a branded payment link. Third, the user shares the link with their client, who completes payment via PIX, credit/debit card, or installment options; funds are settled into the user’s account within two business days.

All transaction records — including service type, amount, client name, and timestamp — are automatically logged and categorized. Users may optionally connect bank statements to enable automated reconciliation and deeper financial analysis. The system does not hold funds or operate as a financial institution; it acts as a technology layer that routes payments through licensed banking and payment partners.

Core Benefits and Applications

Pay³ supports practical financial operations for Brazilian freelancers across diverse sectors. Its fair price calculator helps professionals benchmark service fees against regional averages, reducing undercharging and improving revenue predictability. The no-show deposit feature allows prepayment collection to mitigate scheduling risk. Instant billing replaces informal WhatsApp-based requests with professional, traceable, and legally compliant invoices. Financial documentation capabilities support credit applications by generating structured, auditable income histories — demonstrated in cases where users transitioned from credit denial to approved loan amounts of up to BRL 8,000. For financial institutions, Pay³ serves as a B2B acquisition channel, delivering pre-qualified, financially active freelancers via WhatsApp while enabling white-label deployment of its conversational billing infrastructure.