Zeropay

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

Distribution & Sales Startup 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

At a Glance

Founded: 2017
Headquarters: Recife, Pernambuco, Brazil
Employees: 1-10
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: Digital Insurance Marketplace Insurance Brokerage Cashback Platform
Insurance Verticals: P&C Personal
Target Customers: Consumers