# Zeropay

> Online auto insurance marketplace with cashback and referral programs for Brazilian consumers

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Recife, Pernambuco, Brazil |
| Founded | 2017 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

Zeropay is a digital insurance distribution platform for individual consumers in Brazil, focused on auto insurance in the Northeast region. The company operates as a licensed insurance brokerage (Zeropay Adm Corretora de Seguros Ltda, CNPJ 21.950.345/0001-86) based in Recife, Pernambuco.

The platform aggregates auto insurance quotes from multiple Brazilian carriers, enabling consumers to compare options and purchase a policy online without agent interaction. A built-in cashback mechanism returns a portion of the brokerage commission to the policyholder, while a referral program allows existing customers to earn a commission share by introducing new buyers.

Founded by Douglas Ferro in 2017, Zeropay targets cost-conscious consumers seeking a faster alternative to traditional broker channels. The company is bootstrapped with no public funding rounds on record.

## Products & services

### Auto Insurance Marketplace

An online platform where consumers enter vehicle and personal details, receive quotes from multiple Brazilian insurers, and purchase a policy. The purchase process is designed to complete in under five minutes without requiring a traditional agent.

**Key features:**

- Multi\-carrier quote aggregation
- Fully digital purchase flow
- Sub\-five\-minute policy issuance

*Target users:* Individual Brazilian consumers purchasing auto insurance

### Cashback Program

Zeropay returns a share of its brokerage commission to policyholders as cashback on each completed auto insurance purchase, differentiating it from conventional brokers that retain the full commission.

**Key features:**

- Commission share returned to policyholder
- Applied automatically at time of purchase
- No separate enrollment required

*Target users:* Auto insurance buyers seeking cost savings

### Referral Program

Existing customers earn a commission share when referrals they bring to the platform complete an insurance purchase, creating a peer-to-peer distribution channel.

**Key features:**

- Commission\-based referral rewards
- Integrated into the platform purchase flow
- Reduces customer acquisition costs for Zeropay

*Target users:* Existing Zeropay policyholders

## Category & focus

- Subcategories: Digital Insurance Marketplace, Insurance Brokerage, Cashback Platform
- Insurance verticals: P&C Personal
- Target customers: Consumers

## Links

- Website: <https://zeropay.io>
- Directory profile: <https://insurtechlist.com/companies/zeropay/>
- Facebook: <https://www.facebook.com/zeropayseguros/>
- Instagram: <https://www.instagram.com/zeropayseguros/>
- Twitter/x: <https://x.com/zeropayseguros>

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*Last updated: 2026\-05\-18*