What Sr.Pago does

Sr.Pago / Konfío is a Mexico-based digital financial services platform targeting small and medium-sized businesses (PyMEs) with an integrated suite of credit and payment products. Founded in 2010 and headquartered in Ciudad de México (Polanco), the company operates through its legal entity Red Amigo DAL, S.A.P.I. de C.V., SOFOM, E.N.R. — a Sociedad Financiera de Objeto Múltiple supervised by CONDUSEF and CNBV. The product suite comprises four core offerings: Konfío Crédito (revolving business credit lines with an online simulator), Tarjeta Empresarial Konfío (a business credit card with promotional financing), Terminales de Pago Konfío (physical card-acceptance terminals for in-person payments), and Link de Pago Konfío (URL-based remote payment links). Together these form a horizontal SMB platform where customers can apply for credit, accept card payments, and collect remotely through a single self-service onboarding flow at konfio.mx.

The company's go-to-market is digital-first and self-serve: customers register directly via the website, with marketing driven through organic social channels (LinkedIn, YouTube, Facebook, Instagram, TikTok) and a content blog. The business model blends recurring credit NII from the Konfío Crédito book, card interchange and interest from Tarjeta Empresarial, and per-transaction processing economics from the terminal and Link de Pago products — though specific pricing, commissions, and revenue mix are not publicly disclosed. Cumulative disclosed funding totals approximately $13.5 million across six rounds from 2014 to 2019, with IGNIA as the dominant investor and EB Capital joining as co-lead in the 2017 round.

The firm reports 11–50 employees, a private SOFOM structure, and operates exclusively in Mexico with no disclosed geographic expansion. Beyond the regulatory SOFOM designation and CONDUSEF/CNBV oversight, the input reveals no patents, no third-party certifications, no enterprise customer logos, no M&A activity, and no disclosed AI/ML capability — making the depth of operating and financial transparency a key constraint for investment diligence.

Name

Sr.Pago

Legal name

Red Amigo DAL, Sociedad Anónima Promotora de Inversión de Capital Variable, Sociedad Financiera de Objeto Múltiple, Entidad No Regulada

Website

https://senorpago.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Sr.Pago / Konfío is a Mexico-based digital financial platform serving small and medium-sized businesses with integrated business credit, a corporate credit card, card-acceptance terminals, and remote payment links.

Ownership category

akta.pro rank

Product category

Payment Processing & SMB Financial Services

NAICS

Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

akta.pro secondary industry

Card-Not-Present / eCommerce Acquirers (FSAMABAD)

Keywords

• Mobile payment processing
• Payment terminals
• SMB fintech services
• Business credit lines
• Card acceptance solutions

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel

Distribution channels1 record

Marketing channels2 records

Core offering

Sr.Pago is a mobile point-of-sale system that enables individuals and small businesses to receive card payments via smartphones and tablets. As part of the Konfío financial services platform, it offers payment terminals, shareable payment links, business credit lines, and a business credit card targeted at Mexican SMEs. The platform combines payment acceptance with credit and financial management tools within a single regulated ecosystem.

Product overview

Konfío operates as a multi-product financial services platform for Mexican SMEs, combining credit products (Konfío Crédito), a business credit card (Tarjeta Empresarial), and payment acceptance solutions (Terminales de Pago and Link de Pago). The platform offers a unified ecosystem where businesses can access credit, make payments, and manage their financial operations through integrated digital tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Terminales de Pago Konfío Payment terminals that enable Mexican businesses to accept card payments in person, supporting Sr.Pago's mobile point-of-sale offering.
• Link de Pago Konfío Shareable payment links allowing businesses to collect payments remotely via URLs, complementing in-person terminal payments.
• Konfío Crédito Business credit product offering credit lines for Mexican SMEs, including simulation tools to calculate loan terms.
• Tarjeta Empresarial Konfío Business credit card designed for Mexican enterprises, with promotional offers and disclosed interest rate information.

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights4 records

Direct peers

• Konfío: Mexican SMB-focused digital lender and payments platform. Either the parent/affiliate of Sr.Pago or a closely overlapping competitor offering SME credit, business credit cards, and payment terminals to the same customer segment.
• Clip: Mexican mobile POS and payments provider for SMBs. Direct competitor to Sr.Pago in the Mexican card-acceptance terminal market, with similar target customer base and pricing model.
• Billpocket: Mexican mobile POS startup allowing SMBs to accept card payments via smartphones. Closely comparable product offering, target market, and go-to-market approach to Sr.Pago.
• Conekta: Mexican online payment processor and gateway. Comparable in serving Mexican SMBs with digital payment acceptance, though more focused on e-commerce card-not-present acceptance than physical POS.
• OpenPay: Mexican payment processor (BBVA-owned) offering online, mobile, and POS payment solutions. Competes with Sr.Pago for Mexican SMB payment acceptance volume.

Broad incumbents

• Mercado Pago: Latin American payments giant and subsidiary of Mercado Libre. Provides POS terminals, payment links, and SMB credit in Mexico, competing directly with Sr.Pago while serving a much broader commerce ecosystem.
• Block (Square): Global SMB payments and financial services leader (Square POS, Cash App). Closely comparable product architecture (mobile POS + SMB financial services) though operating globally and at vastly greater scale.
• SumUp: European-headquartered mobile POS provider expanding across LatAm. Comparable product offering (mobile card readers, payment links) for micro-merchants, though broader geographic footprint.

Emerging players

• Kushki: LatAm-focused payments infrastructure platform. Adjacent competitor offering payment processing APIs and tools to Mexican merchants, with overlapping target segment but a developer-first orientation.

Regional players

• Albo: Mexico-based digital bank and consumer credit provider. Comparable as a Mexican fintech serving similar demographics with integrated payments and credit, though more consumer-facing than Sr.Pago's SMB focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/c/konfiomx
• Facebookfacebook.com/Srpago
• LinkedInlinkedin.com/company/konfio
• Instagraminstagram.com/konfio.mx
• TikToktiktok.com/@konfio.mx
• Xx.com/SenorPago

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds6 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sr.Pago