Report updated Apr 18, 2026
99: Rides, Food, Pay
For daily commuters and urban residents in Brazil looking for an all-in-one solution for transportation, food delivery, and personal finance management.
99: Rides, Food, Pay is a struggling travel app that is free with in-app purchases. With a 4.3/5 rating from 3M reviews, it struggles with user retention. Users particularly appreciate competitive pricing, though ineffective customer support remains a common concern.
What is 99: Rides, Food, Pay?
Current Momentum
v6.60 · 6d ago
MaintenanceThe app is currently in maintenance mode, focusing exclusively on bug fixes and minor display improvements. No major feature updates have been identified in the provided history.
Active Nemesis
Uber - Request a ride
By Uber Technologies
Other Rivals
7-Day Rank Pulse 🇺🇸
TravelRating Pulse 🇺🇸
Recent User MoodAI-powered deep analysis surfacing high-signal insights. Still in beta, accuracy improves daily. For informational purposes only.
What makes this app unique?
What Does It Look Like?
How Is The App's Momentum Right Now?
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What Are The Key Features?
Comprehensive ride options including Pop, Plus, Taxi, Moto, and electric vehicles.
Integrated financial services including Pix transfers, bill payments, personal loans, and 110% CDI yield.
Dedicated delivery service for packages and gifts via car or motorcycle.
Dynamic pricing feature allowing users to negotiate the fare for their ride.
How much does it cost?
- Free to download
- Transaction-based ride/delivery fees
- Fintech monetization (loans/investments)
The app uses a Super App strategy, monetizing through logistics commissions and financial service integration to maximize user lifetime value.
Who Built It?
Providing a multi-modal urban ecosystem for Brazilians to manage transportation, logistics, and financial services in a single interface.
Portfolio
2
Apps
Who is 99 Taxis Desenvolvimento de Softwares Ltda. - Epp?
99 has successfully pivoted from a taxi-hailing utility into a regional 'Super App' ecosystem, positioning itself as a localized alternative to global mobility giants. Their primary moat is a hyper-local product strategy that addresses Brazilian economic nuances through features like price negotiation and motorcycle transport, which are harder for global competitors to standardize. The current strategic trajectory emphasizes the 99Pay fintech layer to capture higher-margin financial transactions and increase user stickiness within their logistics network.
Who is 99 Taxis Desenvolvimento de Softwares Ltda. - Epp for?
- Urban residents in Brazil seeking affordable transportation
- Food delivery
- Accessible digital banking services
Portfolio momentum
Released 11 updates for its flagship app in the last 6 months, with the most recent update occurring only 3 days ago.
What other apps does 99 Taxis Desenvolvimento de Softwares Ltda. - Epp make?
99 Motorista e Entregador
What do users think recently?
High confidence · 99 reviews analyzed · Based on 99 reviews. Signal may be noisy.
How did the latest release land?
What is the recent mood?
Recent user voice shows a upset sentiment. Users appreciate competitive pricing, but report ineffective customer support and financial disputes and fraud.
What Users Love
What Frustrates Users
What is the competitive landscape for 99: Rides, Food, Pay?
How's The Travel Market?
How does it evolve in the Travel market?
| Country | Category | Chart | Rank | Change |
|---|---|---|---|---|
| 🇧🇷 Brazil | Overall | iOSFree | #8 | |
| 🇳🇿 New Zealand | Maps & Navigation | AndroidFree | #178 | NEW |
The rivals identified
The Nemesis
Head to Head
99 should double down on its 'Super App' fintech capabilities (99Pay) to differentiate from Uber's logistics-first approach, using financial services as the primary retention hook for the Brazilian user base.
What sets 99: Rides, Food, Pay apart
Native fintech integration via 99Pay allows users to pay bills, earn interest on balances, and apply for loans directly within the transport app.
Stronger focus on hyper-local low-cost categories like 99Moto and 99Pop tailored specifically for Brazilian urban density and economic constraints.
What's Uber - Request a ride's Edge
Significantly higher innovation velocity with 27 releases in 6 months compared to 99's maintenance-heavy update cycle.
Superior global logistics infrastructure that supports a wider variety of vehicle types and specialized delivery services (Uber Flash, Uber Direct) at scale.
Contenders
Deep ecosystem integration with Mercado Livre for seamless checkout and buyer protection, which 99Pay lacks.
Comprehensive investment suite including crypto trading and diversified credit lines that go beyond 99's basic personal loan offering.
Market-leading restaurant density and exclusive partnerships with major chains that are not available on 99Food.
Specialized grocery and pharmacy delivery infrastructure with dedicated 'iFood Card' corporate benefits.
Cabify
★3.9 (296.3K)Cabify
⚡A direct ride-hailing alternative that positions itself as a more premium, corporate-friendly solution compared to 99's value-focused categories.
Stronger focus on corporate accounts and B2B travel management tools with detailed carbon footprint tracking.
Positioned as a high-safety, premium alternative with stricter driver vetting and higher-end vehicle requirements.
PicPay: Conta, Cartão e Pix
★4.4 (1.1K)PicPay Apps
⚡Directly competes with 99Pay for the 'social payment' and digital wallet market share in Brazil.
Social-first payment feed and peer-to-peer messaging that drives higher daily app opens than 99's utility-focused UI.
Aggressive cashback marketplace (PicPay Store) that integrates third-party retailers directly into the financial app.
Peers
Specialized carpooling algorithm for long-distance cost-sharing rather than on-demand urban transport.
Integrated bus ticket marketplace for official intercity routes, providing a multimodal travel alternative.
Supports larger vehicle types (vans, trucks) for moving and heavy-duty logistics, whereas 99Entrega is limited to small packages.
Real-time multi-stop routing optimized for small business delivery runs.
The outtake for 99: Rides, Food, Pay
Strengths to defend, gaps to attack
Core Strengths
- Native fintech integration (99Pay) with 110% CDI yield
- Hyper-local low-cost categories (99Moto, 99Pop)
- Dynamic fare negotiation (99Negocia)
- Massive existing user base in Brazil (3M+ Android ratings)
Critical Frictions
- Non-functional automated customer support
- High frequency of financial/fraud complaints
- Intrusive UI pop-ups and promotional clutter
- Driver reliability issues (strategic cancellations)
Growth Levers
- Expansion into crypto and advanced investments to rival Mercado Pago
- Unified subscription model to drive ecosystem lock-in
- B2B logistics expansion with larger vehicle types
Market Threats
- Uber's high innovation velocity and global interoperability
- iFood's dominance in restaurant partnerships
- Regulatory or reputational risk from 99Pay financial disputes
What are the next best moves?
Rebuild Customer Support Workflow
Support is cited as 'inexistent' and 'automated' in high-frequency complaints, preventing resolution of financial disputes.
Implement Driver Cancellation Penalties
Users report drivers 'staying still for 10 minutes' to force user-paid cancellation fees, a major source of 'Upset' sentiment.
UI De-cluttering Initiative
Medium-frequency complaints describe the app as a 'mess' with 'pop-ups everywhere' that hinder core transportation utility.
Feature Gaps vs Competitors
- Global interoperability (available in Uber but missing here)
- Cross-platform subscription model (Uber One available in Uber but missing here)
- Crypto trading and diversified investments (available in Mercado Pago but missing here)
- B2B travel management and carbon tracking (available in Cabify but missing here)
Key Takeaways
If I were the PM, I would halt feature expansion to fix the broken support and financial trust loop, as the 'Terrible' sentiment trend threatens the 99Pay ecosystem. The app's core strength is its fintech integration, but this is currently its biggest liability due to perceived fraud and lack of human assistance.
Where Is It Heading?
Declining
Sentiment is 'Terrible' with high-frequency fraud and support complaints — indicates a trust crisis.
Innovation velocity is lower than Uber (maintenance-heavy updates vs Uber's 27 releases in 6 months).
99Pay (110% CDI) and 99Negocia remain strong unique value propositions in the Brazilian market.