Brazilian retail runs on a different rhythm. Your finance team should too.
Extreme seasonality, 5 active card acquirers, franchises, payment splits, brick-and-mortar plus marketplace. Kobana Team understands retail.
- Card acquirers
- Marketplaces
- Multi-store
- Black Friday
Unique operational complexity.
Each card brand, each acquirer, each marketplace has its own cadence. Multiply by 80 stores and 12 seasonal months.
D+1 / D+30 settlement
Each acquirer with its own date, fee, and MDR.
Payment splits
Marketplace, partner, commission — all reconciled per order.
MDR and early settlement
Fees, advances, surcharges. Reconciliation without losing a cent.
Extreme seasonality
Black Friday, Christmas, back-to-school, Mother's Day.
Multi-store payroll
Multiple retail-union CCTs, per-store hour banks.
24/7 e-commerce
Operations that never sleep — finance has to keep up.
AR and AP at volume
Hundreds of suppliers, thousands of B2C and B2B customers.
Card fraud
Real-time detection, automated chargeback handling.
Each agent in its role.
Seasonal cash flow
A forecast that understands Black Friday, back-to-school, and Christmas. Aggressive sweep on pre-peak balances.
Accounts payable at scale
Invoice capture from 500+ suppliers. 3-way matching with WMS. State-level tax compliance (complex ICMS).
B2C and B2B collections
B2C WhatsApp cadence for store credit. B2B cadence for wholesale (malls, partners).
Multi-store payroll
800-5,000 CLT employees across 20+ states. Multiple retail-union CCTs. Per-store hour banks.
Margin analysis
Profitability per store, SKU, and channel. Real-time margin erosion alerts.
Fashion chain with 80 stores + e-commerce.
12 months running on Kobana Team. Audited results.
Full ecosystem.
Card acquirers
- Cielo
- Stone
- Rede
- Getnet
- Pagseguro
Marketplaces
- Mercado Livre
- Amazon
- Magalu
- Americanas
Retail ERPs
- TOTVS Protheus
- TOTVS RM
- Linx
- VTEX
- SAP IS-Retail
WMS
- Oracle WMS
- Manhattan
- SAP EWM
E-commerce
- VTEX
- Magento
- Shopify Plus
HCM
- Senior
- TOTVS RH
- LG
Retail FAQ.
How long does it take to connect 5 acquirers?+
Standard acquirer onboarding takes 2 to 5 business days each. Cielo, Stone, Rede, Getnet, and Pagseguro have native connectors.
Do you reconcile marketplace payment splits?+
Yes. Kobana Team breaks down each order, identifies commission, payout, freight, and taxes, and reconciles with the bank entry.
Does it work for franchises?+
Yes. Multi-workspace lets you isolate franchisee data, with consolidation at the franchisor. Payroll per store, billing per unit.
Browse other industry solutions.
Your retail deserves a finance team that doesn't choke at peak.
Book a 30-minute call — we'll show exactly how the operation would look in your network.