Ralf Germer is the CEO and co-founder of PagBrasil, with extensive experience in business management, international development, marketing, and payment processing. Previously, he was VP of Product Marketing Europe at Actebis and later founded 4M Iberoamérica.

Passionate about entrepreneurship and technology, Ralf thrives on global collaboration. Holding degrees in Engineering and Business Administration, he has led innovation in the international tech sector, believing that success stems from passionate teams and relentless excellence.

At PagBrasil, Ralf drives financial inclusion and payment innovation in Brazil. Solutions like PagStream, International Pix, and Pix Roaming have transformed the payments landscape, enhancing customer experiences and business success. PagBrasil empowers local and global businesses with cutting-edge payment technology and tailored solutions.