B89
B89 is a Peru-based, API-first payment infrastructure company that provides PayOuts, PayIns, and International Payments services to enterprise and mid-market businesses operating across Latin America and selected European destinations.
- Company typePrivate
- Founded2019
- HeadquartersLima, Peru
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What B89 does
B89 S.A. is a Peru-based, privately held payment infrastructure company founded in 2019 that operates an API-first cross-border payments platform connecting businesses to local payment rails across Latin America and selected European destinations. Its product suite comprises three integrated offerings on a single API: PayOuts (automated mass disbursements via bank transfers, digital wallets, and cash agents), PayIns (white-label local collection across LATAM), and International Payments (cross-border wires with 15-minute-refresh FX rates). The underlying technology emphasizes a smart routing engine with automatic retries, real-time monitoring dashboards, dynamic FX APIs, and configurable infrastructure described as 'flexible' to client needs.
The company is registered with Peru's Superintendencia de Banca, Seguros y AFP (SBS), holds ISO 27001 certification, and is registered with the Autoridad Nacional de Protección de Datos Personales, providing regulated-entity credibility required for cross-border payment operations. Geographic coverage spans payout rails in Peru, Bolivia, Brazil, Chile, Colombia plus five European destinations (Germany, Belgium, Spain, France, UK), and PayIns coverage in Argentina, Bolivia, and Ecuador. The company targets enterprise and mid-market businesses across verticals including gaming and betting, digital marketplaces, mass payouts to freelancers/commissions, travel and tourism, foreign trade, and international remittances.
B89 generates revenue primarily through transaction fees on PayOuts, PayIns, and FX/transfer margins on international payments, operating a quote-based pricing model rather than publishing standardized rate cards. The go-to-motion is API-first distribution complemented by direct enterprise sales and white-label/embedded partnerships, with marketing support from Google/Facebook/Instagram paid acquisition and a WhatsApp sales channel. The company is led by CEO Amparo Nalvarte, who previously founded Culqi (Peru's payment gateway), alongside operations leadership with prior fintech experience, and has raised $500,000 from Andeo Capital as its only disclosed funding round to date.
B89 firmographics
Firmographics- Name
- B89
- Legal name
- B89 S.A.
- Website
- https://b89.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- B89 is a Peru-based, API-first payment infrastructure company that provides PayOuts, PayIns, and International Payments services to enterprise and mid-market businesses operating across Latin America and selected European destinations.
- Ownership category
- akta.pro rank
B89 industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)
Keywords
Where B89 is headquartered
LocationHeadquarters
- HQ city
- Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
B89 business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- PayOuts Transaction Fees: Revenue generated from processing local payouts across Latin America, charging fees for automated mass payment disbursements via bank transfers, wallets, or cash agents
- PayIns Collection Fees: Revenue from processing local payment collections under white-label solution, charging transaction fees for accepting payments via bank transfers, digital wallets, and cash points
- International Payments FX and Transfer Fees: Revenue from international wire transfers with preferential FX rates and transparent fees, generating income through foreign exchange margins and transaction fees
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
B89 product offering
Product offeringCore offering
B89 operates an API-first payment infrastructure platform enabling businesses to move money across Latin America and Europe from a single integration. The platform combines three core products: PayOuts for automated mass disbursements, PayIns for white-label local payment collection, and International Payments for cross-border transfers with competitive FX rates.
Product overview
B89 is a unified payment infrastructure platform offering three integrated core products: PayOuts for mass disbursements, PayIns for local collections, and International Payments for cross-border transfers. The platform enables businesses to move money across Latin America and Europe through a single API integration, connecting to local rails, currencies, and payment methods in each country. The three products work together as a comprehensive payments ecosystem—PayIns enables businesses to collect funds from customers locally, PayOuts automates disbursements to beneficiaries, and International Payments handles cross-border transfers with competitive FX rates.
Differentiator
Problem solved
Functional benefit
Products and services
- PayOuts Automated mass payment solution enabling businesses to send payouts across Latin America and Europe via a single API integration. Supports bank transfers, digital wallets, and cash pick-up channels with real-time exchange rate options and intelligent routing.
- PayIns White-label local payment collection solution allowing businesses to accept payments across Latin America under their own brand. Supports transfers to local bank accounts, digital wallets, and cash payments through authorized points.
- International Payments Cross-border payment solution providing preferential foreign exchange rates, transparent fees, and same-day transfers for international transactions, avoiding traditional banking overhead.
Companies that use B89
Customer profileSegments6 records
Ideal customer profiles3 records
B89 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
B89 partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights6 records
B89 competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
B89 social profiles
Digital presenceB89 compliance and trust
Trust signalCompliance3 records
B89 financial estimates
Financial estimateRevenue estimate
Valuation estimate
B89 leadership team
Management profileNumber of profiles
Profiles2 records
B89 funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
B89 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about B89
What does B89 do?
B89 operates an API-first payment infrastructure platform enabling businesses to move money across Latin America and Europe from a single integration. The platform combines three core products: PayOuts for automated mass disbursements, PayIns for white-label local payment collection, and International Payments for cross-border transfers with competitive FX rates.
Is B89 a public or private company?
B89 is a private company. It is classified as venture growth investor backed and is currently operating.
When was B89 founded?
B89 was founded in 2019. It employs 51 to 100 people.
Where is B89 based?
B89 is headquartered in Lima, Peru, in the Latin America region.
How does B89 make money?
Three revenue lines are on record. PayOuts Transaction Fees are the primary driver. The others are payIns Collection Fees and international Payments FX and Transfer Fees.
Does B89 have an API?
Yes. B89 offers a public API for payment automation. The dynamic API supports real-time exchange rate updates every 15 minutes. Merchants can integrate once to access multiple markets and local payment methods across Latin America. The API enables PayOuts automation including individual and mass payment orders, as well as PayIns collection capabilities with white-label solution support.
What industry is B89 in?
B89's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSAMAIAJ, Cross-Border Payouts & Mass Disbursements (Pay-outs), with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 522320 and its SIC code is 6199.