Connect Bradesco account Visio network store-scoped attribution: 2026 guide

by Lorenzo Lopez Head of Content, Visio May 24, 2026

Connect Bradesco account Visio network store-scoped attribution: 2026 guide

Connecting a Bradesco account in Visio for store-scoped network attribution requires seven steps in the Visio Backoffice with Administrator profile at Bradesco Net Empresa, about five minutes of active time per unit. The integration runs via BACEN-regulated Open Banking at the regulated aggregator used by Visio, with each account tied to a specific unit in the registry — not to the umbrella CNPJ. Consent lasts up to twelve months and renews with the same flow. After the connection, the statement comes in automatically every day, and up to one year of history is back-filled in ten to fifteen minutes.

The network with dozens of units in production uses this flow at scale, including a case of five banks connected in parallel to a single gas station (Banco do Brasil, Bradesco, Inter, Itaú, Santander) — each attributed to the same unit in the registry.

Want us to connect the first Bradesco account this week? Schedule Visio PNL onboarding.

1. Why this step-by-step matters for a multi-unit network

The Visio PNL DRE Toolbox, part of the store-scoped platform for multi-unit networks, depends on daily bank statements to generate store-scoped DRE (per unit). Without the bank connection, no other tool in the Toolbox has data to operate. Bank Connection is categorized as a prerequisite tool (active coverage status) — the entry point to the Visio financial pipeline.

Bradesco appears frequently in multi-unit networks for two reasons. First, it is one of the six Brazilian banks under Open Finance obligation by BACEN’s S1 classification, along with Banco do Brasil, Caixa, Itaú, Santander and Sicredi. Second, Bradesco PJ via Net Empresa has a defined consent flow with annual renewal and account holder control (banco.bradesco/open-finance/para-sua-empresa).

The Central Bank of Brazil reports more than 41 million active consents in the Open Finance program (Agência Gov), signaling infrastructure maturity. The regulated aggregator used by Visio publishes coverage by institution, and the Bradesco Empresas connector appears as supported for Business context with read-only access and 256-bit encryption.

2. Criteria to connect Bradesco via Visio PNL in a multi-unit network

Before opening Visio Backoffice, three criteria need to be resolved on the Bradesco side and two on the Visio side. Ignoring any one of them blocks the connection at step 7 with silent error or broken redirect.

Criteria on the Bradesco side

Administrator profile at Net Empresa. Operator profiles are rejected by the bank in Open Banking consent, and the flow ends in error without specific message. The profile is defined in Net Empresa > Cadastro > Operadores e Perfis by the legal representative or proxy with powers.
CPF + CNPJ of the legal representative or proxy with registered powers. Bradesco requires updated powers documents — without them, the consent fails even with Administrator profile.
Desktop access with Bradesco plugin installed. Some Bradesco Empresas clients who historically used only the mobile app need to install the desktop plugin first (about 30 additional minutes the first time). Reclame Aqui operators reported in February 2026 that the Bradesco Empresas mobile app still does not have a complete Open Finance flow (Reclame Aqui), so desktop is the reliable path today.

Criteria on the Visio side

Establishment registry in Backoffice, with name and unique identifier. The Bradesco account is tied to this registry at origin, so the unit needs to exist before bank connection.
Permission in the Financial (DRE/DFC) module for the Visio user who will execute the flow — typically the franchisee-owner or the back-office finance lead.

Criteria that do NOT apply

It is not necessary to pay additional fee for Open Banking sharing (the service is free by BACEN regulation), it is not necessary to register Visio as an authorized institution (the regulated aggregator redirect resolves within the Open Finance Brasil standard), and it is not necessary to have a Bradesco PF account — the flow is specific to PJ Net Empresa.

3. How to evaluate if the flow is ready to run

Four criteria decide whether it is worth executing the step by step now or if there is still prerequisite work.

Banking profile confirmed: the user has login with Administrator profile at Net Empresa and can navigate to the Operators and Profiles area without permission error.
Powers registered: the legal representative or proxy has updated documents at Bradesco, and the CPF + CNPJ to insert in the aggregator widget corresponds to that representative.
Unit registered in Visio: the establishment that will receive the account exists in Backoffice, with defined name and identifier.
Dedicated time window: about five minutes for the operator, plus ten to fifteen minutes of asynchronous back-fill that runs without user action. In onboarding with CS, the complete block is planned for an hour to accommodate troubleshooting with the desktop plugin.

4. Top 5 alternatives to connect Bradesco to a multi-unit DRE tool

Five paths exist to bring the Bradesco statement to DRE in a multi-unit network. The five have real trade-offs, and the choice decides if per-unit attribution is native or assembled later.

1. Visio PNL — BACEN-regulated Open Banking + store-scoped

Visio PNL is the multi-unit DRE tool that combines BACEN-regulated Open Banking (via regulated aggregator) with store-scoped attribution at data origin. Each connected Bradesco account belongs to a specific unit in the registry, not to the umbrella CNPJ. The integration runs in BACEN-certified environment, with equivalent OAuth and encrypted token — banking credentials never reach Visio servers. The first consent pulls up to twelve months of history in ten to fifteen minutes. After that, the statement comes in every day automatically.

The multi-unit network in production at scale of dozens of units shows the pattern. Honest limitation: it is CS-assisted in onboarding, and the five minutes are active time, not total time.

Connect Bradesco account in Visio PNL with the team

2. Conta Azul — company-level Open Banking

Conta Azul has Open Banking via regulated aggregator, but consent is at CNPJ level. A network with ten units and ten CNPJs needs ten separate subscriptions (R$ 399 to R$ 649 per month each, typical Subway EPP plan) to obtain per-unit attribution. In a network with single CNPJ and ten units, per-unit attribution needs to be assembled later with manual tags. For SMB with a single unit, it is viable. For a multi-unit network, the cost scales linearly with units and the attribution is not native.

3. F360 — legacy file-import

F360 covers DRE, DFC and multi-unit reconciliation, but the Bradesco data entry remains OFX, CSV or XLS file. There is no Open Banking, no automatic refresh. In a network with ten units and two accounts per unit, that is 20 daily manual downloads.

4. Omie — horizontal ERP with its own digital account

Omie has automatic reconciliation, but native integration only works with Omie’s own digital account. To use an existing Bradesco account, the operator returns to OFX file. Additionally, Omie’s vocabulary is generic SMB, without a store concept, and per-unit attribution in a multi-unit network requires manual customization or parallel spreadsheet.

5. Manual accounting BPO

The status quo alternative is to pay accounting BPO between R$ 1,200 and R$ 2,400 per unit per month for someone to do the daily Bradesco download and generate DRE at month-end. In a network with ten units, this cost varies between R$ 12,000 and R$ 24,000 per month — for clerical work that this step-by-step eliminates. In 2026, partner BPOs stopped accepting new clients due to overload, according to Visio operation data.

5. Comparison: tools to connect Bradesco in a multi-unit network

Criterion	Visio PNL	Conta Azul	F360	Omie	Manual BPO
Regulated Bradesco Open Banking	Yes, via regulated aggregator	Yes, via regulated aggregator	No, file-import	Only own Omie account	N/A — human
Native store-scoped attribution	Yes, at origin	No — company-level	Manual tag	Manual tag	Parallel spreadsheet
12-month back-fill on first consent	Yes, automatic	Partial (depends)	No — manual	No	History via BPO
Automatic daily statement refresh	Yes, no action	Yes, but at CNPJ level	No	Only Omie account	No — human
Cost for 10-unit network	Pricing discussed in discovery	10 licenses × R$ 399 to R$ 649 = R$ 3,990 to R$ 6,490 per month	Not published	Not published	R$ 12,000 to R$ 24,000 per month

6. Step by step: connecting a Bradesco Net Empresa account in Visio PNL

The flow below is what the multi-unit network in production at scale of dozens of units executes in each unit. Active screen time: about five minutes. Total time with asynchronous back-fill: ten to twenty minutes.

Login to Visio Backoffice. The Visio user with permission in the Financial module accesses Backoffice and opens the target unit at Backoffice > Establishments > [Unit Name].
Add bank account. In the Financial > Accounts tab, click “Add account” and select “Bradesco Empresas” from the list of institutions supported by the regulated aggregator. The aggregator widget opens in a controlled window.
Select Bradesco in the aggregator widget. The widget shows the banks supported via BACEN-regulated Open Banking. Encryption is 256-bit end-to-end, and the regulated aggregator does not store credentials.
Enter representative’s CPF + CNPJ. The CPF is the legal representative’s or proxy’s with powers registered at Bradesco. The CNPJ is that of the Bradesco establishment to connect, not necessarily the umbrella CNPJ of the network.
Redirect to Bradesco Net Empresa. The aggregator redirects the user to Net Empresa in Open Banking environment. The user enters credentials and completes two-factor authentication, typically SMS code or Bradesco token. If it is the first time on desktop, the system may request installation of the Bradesco plugin (about 30 extra minutes). The Administrator profile is validated at this stage.
Open Banking consent. The Bradesco screen shows the scope: reading of balances and statements of the account, with validity up to twelve months. The user chooses duration and confirms. Consent can be revoked at any time in Open Finance > Compartilhamentos in Net Empresa.
Return to Visio Backoffice. The aggregator returns the user to Backoffice with the account connected and the token saved. The account appears in the Financial > Accounts tab of the unit with “Connected” status. The back-fill of up to twelve months runs in background for ten to fifteen minutes. From the next business day, the statement comes in automatically every business day.

Five minutes of active attention cover the seven steps in normal conditions. In onboarding with CS, the complete block is planned for an hour.

7. Opinion on connecting Bradesco in a multi-unit network with Visio

Lorenzo Lopez, Head of Content at Visio:

I have seen many network operators with twenty, fifty, ninety units treat the bank connection as a technical detail — and spend hours per day of the finance team downloading Bradesco statements at Net Empresa, account by account. Visio PNL moves that work into the Backoffice, connected by regulated Open Banking, with each account attributed to the right unit at origin. Unit 47’s DRE stops depending on someone remembering to download the statement on Friday. The network starts operating with live per-unit DRE. Honest about the limits: the flow requires Administrator profile at Bradesco, requires desktop with plugin installed the first time, and consent renews every twelve months. We don’t hide that — these are the real criteria for the step-by-step to run.

— Lorenzo Lopez, Head of Content, Visio

8. Frequently asked questions about connecting Bradesco in Visio PNL

Does Bradesco Pessoa Física work in the same flow?

No. The flow described is specific to Bradesco Net Empresa (PJ). For Bradesco Pessoa Física, the connector is separate and the step by step is different — in multi-unit networks, the typical case is PJ, so the focus here is Net Empresa. Visio supports both, but store-scoped configuration only makes sense in a PJ account attributed to the unit.

What is the total connection time and what takes time?

The operator’s active time is about five minutes for the seven steps. The back-fill of up to twelve months of history runs in background for ten to fifteen minutes without user action. On desktop with Bradesco plugin already installed, the flow is the five-minute one. On desktop without plugin, add about 30 minutes to install and validate the plugin the first time.

Bradesco notifies before expiration via Net Empresa, and the user renews the consent in the same flow — Administrator profile, aggregator redirect, Net Empresa authentication, confirmation. While consent is in force, the statement comes in every day. When it expires without renewal, the pipeline stops receiving new entries until renewal. BACEN regulation extends the deadline as adherence to the program grows (Agência Gov).

Can I connect two Bradesco accounts of the same unit?

Yes. A unit can have multiple bank accounts connected (Bradesco main and Bradesco secondary, or Bradesco + another bank). Each account generates its own consent and each statement is attributed to the same unit in the registry. The gas station case with five banks in parallel (Banco do Brasil, Bradesco, Inter, Itaú, Santander) attributed to the same unit is the example in Visio operation.

What is left out of this step by step?

Bank Connection brings the statement. It does not do automatic classification of transactions nor manual entry adjustment — those tasks live in separate tools of the DRE Toolbox (Transaction Classification, Statement Adjustment). The consolidated DRE is generated by the DRE Config Tool, fed by the statement that Bank Connection brings. Each tool has its own step by step.

9. Next steps to connect Bradesco in Visio PNL

The Bradesco-Visio connection is the first step for a network to operate with live store-scoped DRE. Three paths to start.

Schedule onboarding with Visio CS for the first Bradesco unit — the team accompanies the seven steps in a guided session, validates the Administrator profile, and activates the back-fill before the end of the call.

Learn about Bank Connection in multi-unit networks — complete view of the prerequisite tool and how it connects with the rest of the DRE Toolbox.

Compare the Itaú step by step in Visio PNL — in a multi-bank network, each bank’s flow has nuances. Itaú has a similar flow with differences in the desktop plugin. Want us to connect Banco do Brasil too?

10. Conclusion

Connecting a Bradesco account in Visio for store-scoped network attribution is a seven-step flow, five active minutes per unit, under BACEN-regulated Open Banking via regulated aggregator. The Administrator profile at Net Empresa is a prerequisite. Consent lasts up to twelve months. Per-unit attribution is native at data origin.

In a network with ninety units in production, this step by step eliminates daily hours of manual download at Net Empresa.

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