Tpaga
Tpaga is a Bogotá-based fintech that provides a mobile wallet, digital payments, and embedded finance infrastructure for financial institutions and merchants in Colombia, now expanding into Europe following its acquisition of the Spanish payment gateway MYMOID.
- Company typePrivate
- Founded2015
- HeadquartersBogotá, Colombia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tpaga does
Tpaga is a Colombian fintech company founded in 2015 and headquartered in Bogotá that operates a mobile wallet and digital payments platform aimed at financial inclusion. The platform provides digital payment processing, e-wallet services, and an embedded finance layer that enables financial institutions to deploy digital banking products without building proprietary infrastructure from scratch. Tpaga's technology stack is built around a mobile wallet core, a digital payment processing engine, and an embedded finance platform, with the differentiator positioned as integration and interoperability with banking partners. In April 2026 Tpaga acquired MYMOID, a Spanish payment gateway, adding card processing and e-commerce merchant capabilities and establishing a beachhead in Europe.
Tpaga operates a B2B go-to-market with an enterprise field sales motion targeting financial institutions and merchants, distributing end-user services primarily through bank partners rather than direct-to-consumer acquisition. The company's revenue model is a combination of transaction-based fees on digital payment processing and technology licensing to banking partners such as Banco Serfinanza. In March 2026 Banco Serfinanza acquired a 30% equity stake in Tpaga, formalizing a strategic alliance under which the two entities co-develop digital payment solutions, e-wallet services, embedded finance offerings, and AI applications for the Colombian market. Tpaga has raised approximately $15.1M in total funding across multiple rounds since inception, including a $10M round led by EWA Capital in 2022 and Y Combinator backing in 2017, and operates with a team of 11-50 employees.
Tpaga firmographics
Firmographics- Name
- Tpaga
- Legal name
- Tpaga
- Website
- https://tpaga.co
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tpaga is a Bogotá-based fintech that provides a mobile wallet, digital payments, and embedded finance infrastructure for financial institutions and merchants in Colombia, now expanding into Europe following its acquisition of the Spanish payment gateway MYMOID.
- Ownership category
- akta.pro rank
Tpaga industry classification
Industry- Product category
- Digital Payments and Mobile Wallet
- NAICS
- Sales Financing (52222)
- akta.pro primary industry
- Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)
Keywords
Where Tpaga is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
Tpaga business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Digital Payment Processing: Transaction processing fees from digital payment services, e-wallets, and embedded finance solutions provided to financial institutions and merchants
- Technology Licensing: Licensing of technological infrastructure to Banco Serfinanza and potentially other banking partners for digital transformation
Go-to-market motion1 record
Distribution channels1 record
Tpaga product offering
Product offeringCore offering
Tpaga develops and operates a mobile wallet and digital payments platform that enables consumers and merchants to conduct digital transactions, with a focus on financial inclusion in Colombia. Through its strategic alliance with Banco Serfinanza, Tpaga also provides embedded finance infrastructure and technology licensing to banks, and has expanded its card processing and e-commerce capabilities via the acquisition of the Spanish payment gateway MYMOID.
Product overview
Tpaga is a mobile wallet and digital payments platform that operates as a unified product focused on financial inclusion in Colombia. The platform was enhanced through the acquisition of MYMOID, a Spanish payment gateway, which strengthened Tpaga's card processing infrastructure and e-commerce capabilities. The company collaborates with Banco Serfinanza to develop embedded finance services, digital payment solutions, and e-wallet products.
Differentiator
Problem solved
Functional benefit
Products and services
- Tpaga Mobile Wallet A mobile wallet and digital payments platform that enables consumers and merchants in Colombia to conduct digital transactions, focused on financial inclusion.
- Embedded Finance Platform Technology platform enabling banks and financial institutions to offer embedded finance services, digital payment solutions, and e-wallet products through integration with Tpaga's infrastructure.
- MYMOID Payment Gateway A Spanish payment gateway providing card processing infrastructure and e-commerce payment capabilities, supporting Tpaga's international expansion into Europe and offering an end-to-end merchant experience.
Companies that use Tpaga
Customer profileSegments2 records
Ideal customer profiles2 records
Tpaga technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Tpaga partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Beka FinanceminorTpaga acquired the Spanish payment gateway MYMOID from Beka Finance. This acquisition strengthens Tpaga's card processing infrastructure and supports its international expansion plans into Europe, offering a comprehensive end-to-end merchant experience.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Tpaga competitors and assessment
Company assessmentDirect peers
- Nequi: Bancolombia-owned digital wallet serving Colombian consumers and merchants with mobile payments, transfers, and financial-inclusion products. Direct competitor to Tpaga's wallet in the same Colombian market with overlapping target users.
- Daviplata: Davivienda's mobile wallet platform for Colombian consumers, offering payments, transfers, and microcredit. Operates in the same Colombian digital-wallet category as Tpaga and competes for the same unbanked and underbanked segments.
- Ualá: LATAM fintech offering a digital account and prepaid card across Argentina, Mexico, and Colombia. Comparable as a regional digital-wallet and financial-inclusion player pursuing multi-country LATAM expansion.
- Bold: Colombian fintech providing digital payment acceptance solutions, including card-present and contactless acquiring for SMEs. Direct peer in the Colombian merchant-payments and acquiring stack Tpaga is building through MYMOID.
- Kushki: LATAM payments infrastructure company providing online and in-person processing, digital wallets, and acquiring across multiple Andean and Central American markets including Colombia. Closely comparable to Tpaga's processing and embedded-finance offering.
- RappiPay: Colombian digital wallet and payments product from Rappi, offering peer-to-peer transfers, payments, and a digital account within the Rappi super-app. Direct Colombian peer competing for the same consumer and merchant wallet share as Tpaga.
Broad incumbents
- Mercado Pago: MercadoLibre's payments and wallet platform with deep penetration across LATAM, including Colombia. A broad incumbent offering wallets, QR payments, credit, and merchant acquiring at a much larger scale than Tpaga.
- dLocal: Cross-border payments processor enabling global merchants to accept payments in emerging markets including Colombia and across LATAM. Broad incumbent in the regional payment-processing layer where MYMOID and Tpaga operate.
- PayU: Global digital payments provider with significant LATAM presence offering gateway, acquiring, and alternative payment methods for merchants. Broad incumbent competing in the same payment-processing category Tpaga targets via MYMOID.
Emerging players
- Clip: Mexico-based fintech offering card-present payment acceptance and merchant working capital to SMEs across LATAM. Comparable as a regional emerging player building merchant-side payments and embedded-finance products similar to Tpaga's roadmap.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Tpaga social profiles
Digital presenceTpaga financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tpaga leadership team
Management profileNumber of profiles
Profiles3 records
Tpaga subsidiaries and ownership
Company hierarchySubsidiaries1 record
Tpaga funding detail
Funding detailFunding overview
Funding rounds12 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tpaga M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tpaga
What does Tpaga do?
Tpaga develops and operates a mobile wallet and digital payments platform that enables consumers and merchants to conduct digital transactions, with a focus on financial inclusion in Colombia. Through its strategic alliance with Banco Serfinanza, Tpaga also provides embedded finance infrastructure and technology licensing to banks, and has expanded its card processing and e-commerce capabilities via the acquisition of the Spanish payment gateway MYMOID.
Is Tpaga a public or private company?
Tpaga is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tpaga founded?
Tpaga was founded in 2015. It employs 11 to 50 people.
Where is Tpaga based?
Tpaga is headquartered in Bogotá, Colombia, in the Latin America region.
How does Tpaga make money?
Two revenue lines are on record. Digital Payment Processing is the primary driver. The others are technology Licensing.
Who are Tpaga's main competitors?
Direct peers on record are Nequi, Daviplata, Ualá, Bold, Kushki and RappiPay. Broad incumbents are Mercado Pago, dLocal and PayU. Clip is listed as an emerging player.
Does Tpaga have an API?
No public API is recorded for Tpaga.
What industry is Tpaga in?
Tpaga's product category is Digital Payments and Mobile Wallet. Its primary akta.pro industry code is BPAMAFAC, Digital Wallet Platforms (Consumer & Merchant). Its NAICS code is 52222.