Services Offering

Families of services

A Bemobi can be considered as a pioneer and one of the most innovative companies in the distribution and monetization of the sale of applications, games and digital services for cell phones, enabling access to a broad and innovative portfolio of products and services to millions of users globally, for an affordable price and easy payment. In addition, we offer large companies a range of automated platforms for managing campaigns, offers, sales channels, and digital payments.

Our services can be distributed in three families:

1. Digital Subscription Services

Digital Subscription Services


With a pioneering and innovative business model, we believe that Bemobi was the first player in the Brazilian market and one of the first companies in the world to offer, starting in 2013, the Apps Club, through a subscription model with hundreds of apps and games for mobile devices in the molds implemented and proven for the music and video segments (e.g. Spotify and Netflix).

Ads based







unlimited use













The service’s value proposition to users is simple: unlimited access to a set of applications, without interruptions and without extra expenses, for as long as the subscriber is up to date with the service subscription fee.

The offer arrived with a more inclusive model than the traditional ones from other segments, since there is no need for payment via credit card. Billing for the service takes place via mobile phone operators, directly in the accounts of pre-paid and post-paid users. This mechanism thus allows any user with a smartphone and a mobile phone plan with one of the partner operators to subscribe to the service.

Additionally, the following features are highlighted:

  • The total content available on the platform is equivalent to more than R$50,000 in premium apps and in-app purchases;
  • New and complementary model to the existing Google Play model where applications are offered free and/or paid for download;
  • Marketing with the operator’s brand;
  • Tests with a grace period of at least 7 days;
  • Segmented offers in the form of a complete package or for specific use.

The Business Model involves (i) mobile operators, digital banks and wallets, (ii) Bemobi and (iii) application developers.

Apps Club content consists of over 1,200 carefully selected titles provided through more than 200 partners, including app developers and distributors.

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Editors' Choice



Top 1 ranking Google Play



+50mm downloads

(i) titles that have been selected as Editor’s Choice by the traditional Apple and Google app distribution channels;
(ii) titles that reached the number 1 ranking in their respective categories, in at least one country where they are published; and
(iii) titles that have reached marks of more than 50 million downloads on Google Play.

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We currently have over 200 content partners, including developers, publishers, and distributors, responsible for providing over 1200 titles. Among them are brands such as: Disney, Rovio, Viacom, Square Enix, Toca Boca, Zepto Lab, among others, and world famous content such as: JetpackJoyride, CrossyRoad, AngryBirds, among others.

2. Microfinance and Payment Services

Microfinance and Payment Services




For some years now, the digitalization of charging for services rendered has been one of the main challenges for major companies in various segments. Even today, it is possible to observe the relevant weight of financial transactions in face-to-face and in-kind channels and the complexity of integrations with multiple payment methods, as well as the growing need to create a secure ecosystem from the point of view of fraud and protection of sensitive information.

This challenge becomes even more complex in environments of constant technological, competitive, and regulatory change such as in the telecommunications, utilities, and e-commerce industries, among others.

With this in mind, Bemobi has added new digital services to its portfolio in order to meet the needs of prepaid users in their digital journey with no balance (through No Credit Channels), expand the possibilities of charging for recurring plans, especially the plans known as Controle, and offer telephony microcredit options, creating new monetization opportunities for operators and improving the user experience.


The following services make up the portfolio:

  • Digital Recharge – White-Label Platform for Recharging Prepaid Phones.
  • Subscription Management – White-Label platform for digital payment of the values associated to mobile telephony Control plans.
  • Balance Advance/Credit – Service that provides a balance/credit advance to mobile phone users in order to keep using their phone. Additional fees are charged on the amounts that were loaned through this service.
  • Data Package Advance – Service offering a data package advance to be paid at the next top-up by the customer.
  • Call Advance – Service offering a minutes-package advance for customers to complete calls, to be paid at the next top-up by the customer.

Microfinance and Payment services have a direct relationship with Bemobi’s proprietary distribution channel platform, presented at moments when users do not have active credits to make calls and internet access, and constitute an important pillar of our strategy for growth.

During the 3rd quarter of 2021, we generated 6.5 million top-up transactions, representing R$124.0 million in digitally sold financial volumes, in addition to 24 million credit advance operations, which totaled approximately R$118 million in financial volume. These indicators are expected to grow significantly in the coming quarters after the conclusion of the recent acquisitions of M4U and Tiaxa, companies specialized in the segment.

More recently, we started to offer data analysis solutions for credit and fraud risk detection to others segments, using the information captured through our partnerships with telecommunications carriers, financial institutions and retail companies, allowing the financial inclusion of millions of people.


# of Top-up transactions per month


Of Credit Advances digitally landed per month


In Top-up digitally sold per month


# of Call Advance transactions Monthly


Of credit advances transactions per month

Note: Data for the average figures of the 3rd quarter of 2021. The top-ups are in relation to the two main carriers selling the service, with credit and call advances for the carrier selling the service.

3. Payments

Digital Payment

For many years, the shift from traditional models of charging for services to the digital model has been one of the biggest challenges for major companies in a variety of segments. Even today, it is possible to observe a great relevance of financial transactions that occur in physical and cash channels.

Even those who have chosen to start the digitization process are confronted with the enormous complexity of integrations to multiple payment methods and the necessity of creating a secure ecosystem from the point of view of fraud and protection of sensitive information.

This challenge becomes even more complex in environments of constant technological, competitive, and regulatory change such as in the telecommunications, utilities, and e-commerce industries, among others.

In the 1st quarter of 2022, about R$1.5 billion were transacted in recharges and subscriptions, directly influenced by the acquisition of M4U, a company specialized in the segment.


Of top-up transactions in 1Q22


Of top-up in 1Q22

4. Platforms as a Service (PaaS)

Platforms as a Service (PaaS)




Bemobi’s transactional platforms offered as a service to large companies, in particular mobile telephony carriers, enable the fast growth of its business in the main regions in which we operate. We process large volumes of transactions in real time, with high throughput, adapting business rules to the particularities of the local environment and maintaining high levels of reliability.

Each of these platforms contributes directly to the process of managing service offerings, building messaging rules and controls and orchestrating campaigns, in addition to providing a wide range of voice communication products through innovative voice mail solutions, anti-spam and caller ID applications, use of Artificial Intelligence to convert voice messages to text, among others.

Each of these platforms allows the analysis of events in real time, the capture of individual information from these events, the analysis of these occurrences and the execution of actions according to the nature and characteristics of the processed events, given the segmentation level of this base.

The main products delivered are:

  • Visual Voice Messages (voicemail)
  • Artificial intelligence that transcribes audio messages into text
  • Integration with WhatsApp for the delivery of messages
  • Notifications for missed calls
  • Anti-Spam e Caller ID (By TruecallerTM)
  • Messaging Services and Campaign Orchestration
  • Services and Subscription Management Platforms
  • Management and control of the rating, charging and reconciliation process.

With this, it is possible to monitor the customer journey both online and offline and allows carriers to more efficiently direct the flow of relationships with their customers.


Intercepted calls per month


Voice message deposits per month


Access to voice message (Dial In and Dial Out) per month


SMS notifications per month


Of users with voicemail provisioned

Note: Data for the average figures of the 3rd quarter of 2021, referring to four carriers in Brazil that are active within this service.