What Billpocket does

Billpocket is a Mexico-based merchant services aggregator and mobile payments company founded in 2011 that enables small and micro businesses across Mexico to accept debit and credit card payments. The company was acquired by payment-technology firm Kushki in August 2022 and now operates as a brand under Kushki, functioning as an aggregator, gateway, and regional non-bank acquirer. The platform processes approximately 1 peso out of every 50 paid with card in Mexico and serves merchants nationwide across retail, restaurants, hotels, travel agencies, funeral homes, and similar industries through >150 employees.

The company's product portfolio spans hardware POS terminals — the Terminal Ultra (all-in-one smartphone-style device with NFC, chip, and magnetic stripe support priced at MXN $3,599) and the Terminal Nano (compact Bluetooth-connected reader priced at MXN $449) — and software-driven acceptance including Pago a Distancia remote payment links, QR Payments integrated with Aplazo, Claro Pay, and Rappi Pay wallets, and four API/SDK integration types (Flex, Payment Gateway, Links, and App SDK) for e-commerce platforms. A working-capital product, Adelanto Billpocket, offers advances against future card sales at a fixed 10% commission repaid over 22 business days. The platform is PCI DSS compliant and certified across Visa (ADVT, Ready), Mastercard (mPOS, M-TIP), American Express, EMVCo Level 1-2, and Banco de México Chapter X encryption standards, with payments supported to 21 participating banks for Meses Sin Intereses (MSI) installment plans up to 24 months.

Billpocket monetizes primarily through a standardized 3.5% + IVA per-transaction commission across terminals, remote links, and QR, with additional MSI surcharges ranging from 4.19% (3 months) to 22.99% + IVA (24 months), supplemented by hardware sales and Adelanto loan commissions. Distribution runs through a product-led growth motion (online registration and app download), a network of authorized distributors across Mexican cities, and a separate enterprise field-sales motion with dedicated account executives, multi-account deposits, and 24/7 support for larger merchants. Legal entity is Pocket de Latinoamérica SAPI de CV, headquartered in Guadalajara, Jalisco, with the team operating under the Kushki umbrella.

Name

Billpocket

Legal name

Pocket de Latinoamérica SAPI de CV

Website

https://billpocket.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Billpocket is a Mexico-based merchant payments aggregator and POS provider, acquired by Kushki in August 2022, enabling small and medium businesses nationwide to accept card payments via Bluetooth terminals, QR, remote links, and APIs on standardized 3.5% commissions.

Ownership category

akta.pro rank

Product category

Mobile Payment Processing

akta.pro primary industry

Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

akta.pro secondary industries

QR Code & Alternative In-Store Acceptance (QR, APMs) (FSAMADAH), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Mobile payment processing
• POS terminal hardware
• Payment gateway services
• Merchant card acceptance
• Installment payment plans

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Transaction Fees (Commission): Primary revenue stream from transaction commissions charged to merchants on every card payment processed. Standard commission is 3.5% + IVA for all card types (credit, debit) and payment methods (terminal, remote payment, QR). Additional surcharges apply for Meses Sin Intereses (installment plans) based on the number of months selected.
2. Terminal Hardware Sales: Revenue from sale of POS terminals. Terminal Nano priced at $449.00 MXN, Terminal Ultra at $3,599.00 MXN. Terminal shipping is free. Basic terminals (Bluetooth) are provided at no cost with standard 3.5% commission.
3. Adelanto Billpocket (Business Loan): Business lending product offering advances against future card sales. Fixed commission of 10% on the loan amount. The loan value is repaid through automatic deductions from sales over 22 business days.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Billpocket is a Mexican merchant services aggregator and mobile payments company that enables businesses to accept debit and credit card payments through proprietary POS hardware terminals (Terminal Ultra, Terminal Nano), remote payment links (Pago a Distancia), QR code payments, and e-commerce API/SDK integrations. The company charges a standard 3.5% + IVA commission per transaction, sells proprietary POS terminals, and offers sales-based business financing (Adelanto Billpocket) to merchants across Mexico.

Product overview

Billpocket is a Mexican payment acceptance platform acquired by Kushki in August 2022. The product portfolio consists of point-of-sale hardware terminals (Terminal Ultra as an all-in-one smartphone-style device and Terminal Nano as a compact Bluetooth-connected reader), QR payment solutions accepting Aplazo/Claro Pay/Rappi Pay wallets, and Pago a Distancia remote payment links. The platform also offers API-based e-commerce integrations (Flex, Payment Gateway, Links, and App SDK) for online merchants, a mobile app for payment management, and Adelanto Billpocket business financing. A now-discontinued debit card (Tarjeta Billpocket) was available until March 2023. The ecosystem processes card-present and card-not-present transactions with PCI DSS compliance, serving merchants across Mexico with 3.5% + VAT commission rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Terminal Ultra All-in-one smart point-of-sale terminal for merchants in Mexico that accepts magnetic stripe, chip, and NFC/Contactless cards. Features PIN-on-glass for secure transactions, 5-inch HD display, 5MP rear camera with flash, 2G/3G/4G connectivity, and USB-C charging. Priced at $3,599.00 MXN.
• Terminal Ultra Printer All-in-one POS terminal with chip, magnetic stripe, and Contactless support plus an integrated receipt printer, designed for merchants in Mexico needing physical receipt printing. Features 5.5-inch HD display, 5MP rear camera with flash, 2G/3G/4G connectivity, and USB-C charging. Listed as coming soon.
• Terminal Nano Compact point-of-sale terminal weighing 80g with physical keyboard and monochrome display, connecting via Bluetooth to a smartphone or tablet running the Billpocket app. Accepts magnetic stripe, chip, and NFC/Contactless cards. Priced at $449.00 MXN.
• Pago a Distancia (Remote Payment) Digital remote payment solution enabling merchants to accept card payments by sharing configurable payment links via social media, email, SMS, or websites. Supports fixed amounts, references, Meses Sin Intereses (MSI) options, and expiration dates. Commission: 3.5% + VAT.
• QR Payments (Pagos QR) Contactless QR code payment solution for merchants in Mexico that accepts payments from Aplazo (5 biweekly installments, 7.45% + VAT commission), Claro Pay, and Rappi Pay wallets (3.5% + VAT). Merchants scan customer QR codes via the Billpocket app to receive payments.
• App Billpocket Mobile application for iOS and Android used by merchants to manage card payments, view real-time transactions, calculate commissions, generate payment links, and pair with Terminal Nano and Ultra via Bluetooth.
• Flex Integration API integration product for websites and applications requiring card payments, recurring charges, or charge capture/confirm flows, with customizable branding. Implementation takes approximately 10-15 business days. Commission: 3.5% + VAT per transaction, no integration cost.
• Payment Gateway (Pasarela de Pago) Ready-to-use payment gateway for existing websites, offering all payment methods with 3DSecure security authentication. Designed for e-commerce merchants in Mexico.
• Links Integration Automated and customizable payment link API solution for developers. Supports configurable links with amount, reference, MSI options, and expiration settings, and accepts all card types from anywhere globally.
• App Integration (SDK) SDK integration for iOS and Android applications that enables in-person card payment processing within a merchant's own app, using Billpocket terminal infrastructure while maintaining a branded user experience.
• Adelanto Billpocket (Business Loan) Sales-based business financing product offering advances against future card sales. No credit bureau check, guarantor, or additional documentation is required. Fixed 10% commission on the loan amount, repaid through automatic daily deductions from card sales over 22 business days, with next-business-day deposit to a Billpocket card or registered bank account.

Quantifiable outcome

• 1 in 50 pesos paid with card in Mexico processed through Billpocket
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core.

• KushkicoreStrategic or Co-development Partner · 1 August 2022Kushki acquired Billpocket in August 2022, expanding its comprehensive payment offerings in Mexico. The acquisition added Billpocket's online payment experience and value to the entire payment chain with cutting-edge technology. Billpocket now operates as part of Kushki, acting as aggregator, gateway, and regional non-bank acquirer.
• MastercardcoreTechnology or IntegrationBillpocket is registered in Mastercard's mPOS Program and certified for M-TIP (Mobile Tip) acceptance. Supports Click to Pay functionality for Mastercard cardholders.
• VisacoreTechnology or IntegrationBillpocket holds Visa ADVT certification and Visa Ready certification for terminal and application compliance. Supports 3DSecure for secure online transactions.
• American ExpresscoreTechnology or IntegrationBillpocket is certified as a processor and payment facilitator with American Express, enabling merchants to accept Amex cards.
• Comisión Nacional Bancaria y de Valores (CNBV)coreOthersBillpocket is regulated by Mexico's National Banking and Securities Commission, providing official oversight and consumer protection for payment services.
• Banco de MéxicocoreOthersBillpocket complies with Banco de México regulations, including Chapter X encryption requirements for secure payment processing.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Clip: Clip is Mexico's largest mPOS competitor, offering Bluetooth card readers and payment acceptance directly targeting small and micro merchants — the same horizontal SMB segment Billpocket serves, with similar commission-based revenue and terminal-plus-app product structure.
• Conekta: Conekta is a Mexican online and in-person payment processor offering gateway, terminals, and MSI-style installments to SMBs and enterprises — competing directly with Billpocket in both e-commerce API integrations and physical payment acceptance in Mexico.

Broad incumbents

• Mercado Pago: Mercado Pago is Mercado Libre's payments arm and the dominant payment-acceptance and digital-wallet provider across Mexico and LATAM, offering POS terminals, QR, online gateway, and credit — overlapping heavily with Billpocket's product set but with a much larger user funnel from Mercado Libre's marketplace.
• Square (Block): Square pioneered the integrated mPOS-plus-software-plus-lending model that Billpocket mirrors (terminals + Adelanto); while not active in Mexico, it is the global reference architecture for Billpocket's product strategy.
• Stripe: Stripe is the dominant global online payment gateway with growing LATAM presence; relevant because Billpocket's Flex, Payment Gateway, and Links API products compete with Stripe for Mexico e-commerce merchants.

Others

• Kushki: Kushki is Billpocket's parent company since August 2022 and a LATAM payment aggregator/gateway/acquirer operating across Mexico, Colombia, Ecuador, Peru, Chile, Argentina, and Brazil — directly relevant as both acquirer of Billpocket's services and a peer in the broader Mexico payment-acceptance stack.

Regional players

• Stp / CoDi: Stp is a Mexican payment processor enabling CoDi (Banxico's QR-based instant payments) and SPEI; relevant as a Mexico-native low-cost acceptance competitor to Billpocket's QR offering, particularly for micro-merchant cash-to-digital conversion.
• dLocal: dLocal is a LATAM-focused cross-border payment processor enabling global merchants to accept local payment methods in Mexico and across emerging markets — adjacent to Billpocket's acquiring/gateway positioning but oriented toward cross-border flows rather than domestic SMB acceptance.

Emerging players

• RecargaPay: RecargaPay is a Brazil-anchored LATAM fintech offering QR payments, mobile top-ups, and bill pay to small merchants — a comparable SMB mobile-payment acceptance play across the region even if Mexico entry is limited.
• Aplazo: Aplazo is a Mexico BNPL provider already integrated with Billpocket's QR payments for in-store installment purchases; relevant both as a Billpocket technology partner and as a potential competitor for Adelanto Billpocket-style merchant/customer credit products in Mexico.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Billpocket
• Facebookfacebook.com/billpocket.mx
• LinkedInlinkedin.com/company/billpocket
• Instagraminstagram.com/billpocket

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds5 records

Investors13 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 Billpocket