Embedded Finance & Virtual Cards: payabl.’s Breno Oliveira on Building Smarter B2B Payments

Breno Oliveira, Head of Product at payabl., talked about the company’s changing product strategy at Money20/20 Europe 2025. He manages product development and strategy for payabl.’s payment services with a clear aim of tackling real issues for B2B customers.

payabl. offers various financial services like card issuing, local payment methods, and business accounts. They recently rolled out a new feature that pairs virtual cards with business accounts, addressing the demand from customers who need better control over their spending. This allows clients to give cards to their employees or partners, making daily financial tasks easier.

During the event, Breno introduced payabl. One, a main product that brings all of payabl.’s services together in one platform without losing a smooth user experience. He noted that creating something both flexible and easy to use was tough, but his team was determined to make it work. The end product strikes a good balance between functionality and a strong framework.

Breno also discussed broader industry trends, particularly Embedded Finance, which he believes is crucial for the future of fintech. He views it as a support system for merchants, letting them concentrate on selling. AI is also important, not just for innovation but as a shield against changing fraud challenges.

He closed by sharing payabl.’s MVP (Minimum Viable Product) mindset. While getting to market quickly matters, fintech needs extra attention because of customer trust and financial data. Every product the team creates is important, and their engineering culture takes that fact seriously, aiming to create the best MVP each time.

This discussion paints a clear picture of a company that fuses innovation with caution and a product leader focused on delivering practical solutions that meet real customer needs.