Upload any financial infrastructure proposal you've received. In seconds, find out whether each line item is fair, negotiable, or excessive — based on real market data.
Financial infrastructure is still sold in the dark.
Almost every BaaS, OFaaS, payment processing, or gateway provider builds custom proposals and charges each client a different price. Without a public benchmark, those receiving a proposal have little basis for negotiating — and those sending one have little basis for pricing with confidence.
Smaller fintechs pay the highest price: they accept whatever comes because they have nothing to compare it to. In some cases, the markup makes the business unviable before the product even ships.
On the other side of the table, sales teams overcharge out of uncertainty or undercharge out of fear of losing the deal — with no clear read on where the market actually sits.
The solution
A tool that puts you in control.
The Benchmark tool compares each line item of your proposal against a market database built from hundreds of real proposals.
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Line-by-line analysis
Each product in the proposal is compared individually. You see whether you're paying above, at, or below market — item by item.
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Clear visual signal
Green, yellow, or red for each item. No jargon, no complexity. You read the result in seconds.
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Real data, not estimates
The database is built from real proposals shared by companies in the market. These aren't theoretical models — they're prices actually charged.
Who it's for
For buyers and sellers of financial infrastructure.
Received a proposal and want to know if the price is fair? Sending proposals and not sure whether you're above or below market? Both sides need the same benchmark.
C-suite and decision-makers
CFOs, CTOs, heads of engineering and product, founders. Those evaluating a new proposal or renegotiating an existing contract who need a basis to challenge it line by line.
"Just got the proposal. Is it expensive?"
Procurement teams
Sourcing and procurement teams that need to evaluate multiple proposals for each new initiative. Objective benchmarking to justify decisions internally and negotiate with confidence.
"We have five proposals on the table. What's the fair market price?"
Sales and pricing teams
Those who price and send proposals. Knowing where the market sits prevents undercharging and losing margin, or overcharging and losing the deal.
"Is this price within market range? Can I close?"
How it works
Three steps. No sign-up.
01
Upload your proposal
Upload the PDF of the commercial proposal you received. Any provider, any format.
02
AI extracts and benchmarks
Our AI reads the document, identifies each product, and compares the prices against more than 650 real market data points.
03
Get your report
A visual report shows, product by product, whether you're paying above, at, or below market. Download the PDF to bring to the negotiating table.
Data & transparency
Radical transparency. Including our own.
150+
Products mapped
Pix, Open Finance, CCBs, and KYC — the main cost categories of Brazilian financial infrastructure.
650+
Data points
Real proposals collected over time, with historical coverage of prices actually charged in the market.
Anonymized
Proposals voluntarily provided by companies in the ecosystem or gathered by Cumbuca in prior periods. Commercial proposals received by Cumbuca Instituição de Pagamento Ltda. as a client in the 6 (six) months preceding the date of consultation are excluded.
Continuous improvement
Every new proposal submitted to the tool contributes to the continuous improvement of the categorization and pricing engines.
Why we built this
We don't profit from opacity.
In the financial infrastructure market, many providers charge prices that make smaller companies unviable. This concentrates profits among a few players and reduces access to the financial system.
We believe fair pricing isn't charity — it's a condition for a healthy ecosystem. When more companies can operate, more innovation reaches the end customer. When pricing is transparent, competition improves for everyone.
The Benchmark tool is our way of giving power back to those who buy financial infrastructure. It's not about selling Cumbuca. It's about making sure no one pays more than they should — regardless of who the provider is.
"The idea is to give people the power to benchmark any proposal they receive — understand if it's expensive, whether they can negotiate, or if they have a genuinely good deal on their hands."
No sign-up
Find out if you're getting a fair deal.
It's free. No sign-up needed. In under a minute, you have your answer.
