卖什么
Malga is an API to accept payments with multiple payment providers
商业模式拆解
买家：谁掌握预算？
未核实CTO / payments or finance lead at digital platforms.
触发点：什么让他们现在购买？
Provider lock-in, low approval rates, fraud/chargebacks, and the need to add or swap payment providers without rewriting integrations.
工作流：什么输入变成什么输出？
Single API orchestrating multiple acquirers, anti-fraud, wallets and payment methods (card, Pix, boleto): smart routing, 3-D Secure 2.0, recurring billing with retries, split payments and card vaulting; also white-label payments infrastructure and sub-acquiring.
经济账：省了什么，怎么收费？
未核实Likely per-transaction fees and/or platform fee, plus sub-acquiring margin; not published.
渠道：怎么接触到客户？
Sales-led ("Fale com um especialista") plus developer docs.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2021 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.