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Benchmark

Compare the prices in your proposal with the market's.

Upload the commercial proposal from any financial infrastructure provider. In seconds, you see, item by item, whether each price is below, at or above what the market charges.

Analyze proposalTalk to our team

Company Y commercial proposal

Analyzing

  • Pix initiationR$ 0.08 / transaction-15% vs market
  • Open Finance dataR$ 0.28 / request+8% vs market
  • ReconciliationR$ 580.00 / monthat market
  • KYC lookupR$ 1.20 / CPF+38% vs market
  • Webhooksincludedat market

Analysis complete

2 above • 1 below • 2 at market

The problem

Financial infrastructure prices aren't public.

BaaS, OFaaS, payment processing and gateway providers build bespoke proposals, with a different price for each customer. Without a public reference, buyers have little basis to negotiate and sellers have little basis to set prices.

Buyers pay more

Smaller fintechs are hit hardest: they accept the first price because they have nothing to compare it with. In some cases, infrastructure costs make the product unviable before launch.

Sellers price without a reference

Sales teams overcharge out of insecurity or undercharge so as not to lose the deal, without knowing where the market is.

The solution

Every line item, compared with the market.

Benchmark compares each item in your proposal with a market database built from real proposals.

  • Item by item

    Each product in the proposal is compared separately, and you see whether you are paying above, at or below market.

  • Results in three colors

    Green, yellow or red for each item. You understand the result in seconds.

  • Prices actually charged

    The database brings together prices from real proposals sent by companies in the market.

For both sides of the negotiation.

Whoever receives a proposal wants to know whether the price is fair. Whoever sends one wants to know whether they are charging more or less than the market. Both need the same reference.

  • Founders and C-levels

    CFOs, CTOs, heads of product and founders evaluating a new proposal or renegotiating a contract, who need a basis to question it item by item.

    Typical question

    I just got the proposal. Is it expensive?

  • Procurement

    Procurement teams that evaluate several proposals for each project and need to justify the decision internally.

    Typical question

    We have five proposals on the table. What is the fair price?

  • Sales and pricing

    The people who build and send proposals. Knowing where the market is avoids losing margin by charging too little, or losing the deal by charging too much.

    Typical question

    Is this price within market? Can I close?

How it works

From proposal to report, no sign-up.

  1. Upload the proposal

    Upload the proposal you received, from any provider, as PDF, PNG or JPG. Up to 5 files per analysis.

  2. AI reads and compares

    The AI identifies each product in the document and compares the amounts with 2,178 prices charged in the market.

  3. Get the report

    The report shows, item by item, where you are paying above, at or below market. You can download the PDF to take to the negotiation.

Where the data comes from.

  • 2,178

    Market prices

    Prices from real commercial proposals.

  • 471

    Products mapped

    Pix, cards, BaaS, KYC, Open Finance, boleto, transfers and anti-fraud: the main financial infrastructure costs in Brazil.

  • Anonymous data

    Supplier and client names are removed before analysis and never appear in the aggregate database or in public reports. Analysis pages are not indexed by search engines.

  • Continuous improvement

    Every proposal sent to the tool helps improve product categorization and price comparison.

Fair pricing is good for the whole ecosystem.

In financial infrastructure, prices that are too high push small companies out of the market. Profit gets concentrated in a few providers, and fewer people have access to the financial system.

For us, fair pricing is a condition for a healthy ecosystem. The more companies can operate, the more innovation reaches consumers, and transparent prices improve competition for everyone.

That's why Benchmark compares proposals from any provider, including Cumbuca. The goal is that nobody pays more than they should.

“The idea is to empower the public to benchmark a proposal they received, understand whether it is expensive, whether they can negotiate, or whether they have a great deal in their hands.”

Bruno Cury, COO of Cumbuca

Start comparing proposals.

Free and no sign-up. Results come back in seconds.

Analyze proposalTalk to our team
Prices
2,178
Products
471
Sign-up
No

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