ePayco
ePayco is a Colombia-based payment gateway founded in 2011 serving 130,000+ businesses and 7.5 million users with 22+ payment methods, modular products for checkout, subscriptions, split payments, fraud prevention, hosted commerce, and in-person acceptance, with planned LATAM expansion into Peru, Mexico, and Ecuador.
- Company typePrivate
- Founded2011
- HeadquartersMedellín, Colombia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ePayco does
ePayco is a Colombia-based payment technology company founded in 2011 and headquartered in Medellín, operating under the legal name EPAYCO.COM S.A.S. It provides an online payment gateway under both Aggregator and Gateway models, supporting 22+ payment methods including credit cards, PSE bank transfers, digital wallets (Nequi, DaviPlata), and cash networks (Efecty, Gana, Baloto, SafetyPay). The platform serves over 130,000 businesses and 7.5 million users, with notable enterprise customers spanning telecommunications (Movistar, WOM), banking (BTG Pactual, Davivienda), retail (Makro), fitness (Bodytech), cosmetics (Belcorp), education (Universidad EAFIT, Universidad de Antioquia), and government trade chambers.
The product portfolio is structured as a modular payment ecosystem: Suite de Pagos (Checkout, payment links, plugins, SDKs) as the core, with add-ons for recurring billing (Suscripciones), split payments (Pagos Divididos), mass disbursements (Payouts), hosted commerce (ePayco Shops), in-person acceptance (Terminal, Tap to Phone, QR Bre-B), and fraud prevention (ePayco Control). Underlying technology is API-first with REST endpoints, JWT authentication, SDKs across PHP, Python, Ruby, Node.js, .NET, and Android, and native plugins for WooCommerce, PrestaShop, Magento, OpenCart, Odoo, Shopify, Jumpseller, and Tiendanube. PCI DSS Level 1 certification, SAGRILAFT compliance, and Visa registration underpin the compliance posture.
Revenue is generated primarily through transaction-based take rates (2.68% plus fixed fee for Davivienda-anchored merchants; 2.99% plus fixed fee for other banks), with a one-time affiliation fee plus per-transaction pricing under the Gateway model, supplemented by subscription revenue from Shops and recurring billing, and a 5.5% fee on PayPal international withdrawals. The company employs 150+ people distributed across Colombia, Argentina, Chile, Bolivia, and Peru, and reports 226% transaction-volume growth versus 2019 alongside 153% growth in impacted merchants, with announced expansion plans into Peru, Mexico, and Ecuador.
ePayco firmographics
Firmographics- Name
- ePayco
- Legal name
- EPAYCO.COM S.A.S
- Website
- https://epayco.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ePayco is a Colombia-based payment gateway founded in 2011 serving 130,000+ businesses and 7.5 million users with 22+ payment methods, modular products for checkout, subscriptions, split payments, fraud prevention, hosted commerce, and in-person acceptance, with planned LATAM expansion into Peru, Mexico, and Ecuador.
- Ownership category
- akta.pro rank
ePayco industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Marketplace & Platform Payments (Split Payments, Sub-merchants) (FSAMACAG)
- akta.pro secondary industries
- Marketplace & Platform Seller Payouts (FSAMAKAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where ePayco is headquartered
LocationHeadquarters
- HQ city
- Medellín
- HQ country
- Colombia
- HQ region
- Latin America
Offices2 records
Markets served
ePayco business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Transaction Fees - Aggregator Model: Percentage-based fees on successful transactions plus fixed fee. Davivienda accounts receive preferential rate of 2.68% + $900 COP, other banks at 2.99% + $900 COP. Money disposition within 24-72 hours.
- Transaction Fees - Gateway Model: One-time affiliation fee of $1,471,700 COP plus $142 COP per successful transaction. Direct deposits to merchant's bank account.
- Subscription Services: Recurring billing solutions for subscription-based businesses with automated collection and payment management
- PayPal Withdrawal Fees: 5.5% + GMF fee on international PayPal withdrawals with maximum $10,000 USD monthly and 10 withdrawals per month limit
- ePayco Shops: Online store creation with integrated payments, targeting entrepreneurs and SMEs with 30-day free trial
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Aggregator Model - Davivienda accounts |
| Transaction based/ take rate | Pay-as-you-go | Aggregator Model - Other banks |
| Transaction based/ take rate | Multi-year contract | Gateway Model |
| Transaction based/ take rate | Pay-as-you-go | Promotional Rate |
| Freemium | Monthly | ePayco Shops |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels11 records
ePayco product offering
Product offeringCore offering
ePayco is a Colombian payment gateway platform that processes online, recurring, and in-person payments for businesses through both Aggregator and Gateway models. It accepts 22+ payment methods including credit cards, PSE bank transfers, digital wallets (Nequi, DaviPlata), and cash networks (Efecty, Gana, Baloto, SafetyPay). The platform adds value through split payments for marketplaces, tokenized recurring billing, real-time fraud prevention, mass payouts for payroll, an online store builder (Shops), and pre-built plugins for major e-commerce platforms.
Product overview
ePayco is an integrated payment platform operating in Colombia under both Aggregator and Gateway models. The core platform (Suite de Pagos) provides online payment processing with over 22 payment methods including credit cards, PSE bank transfers, digital wallets, and cash payments. Complementary modules include: Checkout for optimized payment experiences, Pagos Divididos for marketplace split payments, Recaudo for invoice collection, Suscripciones for recurring billing, Terminal and Tap to Phone for in-person payments, ePayco Control for fraud prevention, Payouts for mass disbursements, PayPal integration for international transactions, and Shops for building online stores. The platform integrates with major eCommerce platforms via plugins and offers SDKs for custom development.
Differentiator
Problem solved
Functional benefit
Brands
- ePayco Pagos: Core online payment gateway solution including Checkout, payment links, plugins, and SDKs.
- ePayco SDK
- Checkout 2.0
- Pagos Divididos
- Suscripciones
- Payouts
- Control
- Shops
- Tap to Phone
- PayPal Integration
Products and services
- Suite de Pagos (Payment Suite) Core online payment bundle for merchants offering multiple collection tools including payment links, Checkout, Plugins, and SDKs. Supports over 22 payment methods in the Colombian market.
- Checkout 2.0 Customizable payment checkout available in Standard (redirect) and Onepage (embedded) modes with brand integration, one-click payments, multi-language support, and responsive design for all devices.
- Links de Cobro (Payment Links) Shareable payment links that enable merchants to collect payments without a website, distributed via SMS, email, or social platforms.
- Pagos Divididos (Split Payments) Automatic payment distribution feature for marketplaces and multi-vendor platforms supporting one-to-one and one-to-many split models with configurable percentage or fixed fees.
- Plugins y SDKs Developer integration tools including pre-built plugins for major eCommerce platforms and SDKs covering PHP, Python, Ruby, Node.js, .NET, and Android.
- Recaudo (Invoice Collection Portal) Invoice collection portal allowing merchants to manage and collect payments from multiple customers, with batch invoice uploads, customizable due dates, and automated notifications.
- Suscripciones (Subscriptions) Recurring billing automation for subscriptions, memberships, and installment payments using customer tokenization, automatic collection scheduling, and grace periods.
- Terminal (Datáfono) Hardware point-of-sale card terminal for in-person payments at physical retail locations.
- Tap to Phone Mobile phone-based payment acceptance that turns any Android smartphone into a contactless card terminal without additional hardware.
- ePayco Control (Anti-Fraud Engine) Real-time anti-fraud engine with customizable rules, risk scoring, blacklist/whitelist management, IP tracking, BIN analysis, and credit bureau integration for transaction validation.
- PayPal Integration International payment acceptance via PayPal with automated withdrawal to Colombian bank accounts, capped at $10,000 USD monthly and 10 withdrawals per month.
- Payouts Mass payment disbursement solution for payroll, supplier payments, and affiliate commissions, supporting immediate, scheduled, and recurring payments with pocket management.
- ePayco Shops Complete online store builder integrated with the ePayco Dashboard, including product catalog creation, inventory management, order processing, built-in payments, and Aveonline logistics integration.
- QR Bre-B Interoperable Bre-B QR code payment solution that allows customers to pay at physical business locations using their bank or wallet app.
- ePayco Mobile App Mobile application for Android and iOS that lets merchants manage transactions, create payment links, send SMS and email collection requests, and track sales on the go.
Quantifiable outcome
- Transaction processing for 130,000+ businesses and 7.5+ million users
- +3 more outcomes
Companies that use ePayco
Customer profileNamed customers21 records
Segments7 records
Ideal customer profiles3 records
ePayco technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability1 record
Feature8 records
ePayco partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- DaviviendacoreStrategic banking partnership providing preferential transaction rates (2.68% vs 2.99%), 4 free monthly fund withdrawals, and direct account integration. Davivienda is a major Colombian bank providing banking infrastructure and customer reach.
- VisacoreMajor payment network for credit and debit card processing, enabling card transactions through the ePayco gateway
- MastercardcorePayment network partner for card transaction processing
- PSE (Banca Virtual)coreReal-time bank transfer system connecting all Colombian banks for online payments
- Nequi (Bancolombia)coreDigital wallet integration for mobile payments
- DaviPlatacoreDigital wallet from Davivienda for mobile and instant payments
- PayPalcoreInternational payment integration allowing global收款 and withdrawal to Colombian bank accounts. Withdrawal fee: 5.5% + GMF, max $10,000 USD/month.
- JumpsellerminorE-commerce platform partner offering integrated payment solutions
- TiendanubeminorLatin American e-commerce platform partner
- ShopifyminorGlobal e-commerce platform partner for integrated payments
- AveonlineminorLogistics integration partner for ePayco Shops providing shipping quotation, real-time tracking, and delivery management for online sellers
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
ePayco competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global developer-first payments platform expanding aggressively into LATAM. Targets the same enterprise and developer audiences as ePayco's gateway/API offering and represents the most credible global competitive threat.
- MercadoPago: LATAM's largest digital payments platform, part of Mercado Libre. Competes head-on with ePayco across gateways, checkout, installments, and QR/in-person acceptance, with much broader geographic and merchant reach across Spanish-speaking LATAM.
Emerging players
- dLocal: LATAM-focused cross-border payments platform enabling global merchants to accept local payment methods. Overlaps with ePayco's international ambitions (PayPal integration, SafetyPay, expansion to Peru/Mexico/Ecuador) and competes for cross-border volume.
- Kushki: LATAM payment infrastructure company operating across multiple Andean and Central American markets. Competes with ePayco's gateway, split payments, and subscription products and is one of the most active cross-LATAM expansion stories.
- EBANX: Cross-border payments specialist focused on LATAM (notably Brazil, Mexico, Colombia). Targets global merchants needing local payment-method acceptance, paralleling ePayco's strategy for serving international customers selling into Colombia.
Direct peers
- Wompi: Bancolombia-owned digital payment gateway in Colombia with broad bank-network integration. Competes directly with ePayco's aggregator/gateway offering and benefits from Bancolombia's distribution, paralleling ePayco's Davivienda partnership dynamics.
- Bold (Bold.co): Colombian payments fintech providing datáfonos, payment links, and online checkout. Targets the same SMB and entrepreneur segments as ePayco and is one of the closest domestic payment-processing competitors in Colombia.
- PayU: Global payment service provider with deep LATAM and Colombian presence. Offers gateways, aggregator processing, alternative payment methods, and fraud tools that overlap directly with ePayco's Suite de Pagos, Pagos Divididos, and Control products.
- PlacetoPay (Evertec): Andean-focused payment gateway operating across Colombia, Ecuador, and Peru — directly overlapping ePayco's gateway, link-payment, and tokenization capabilities and key for cross-border competitive dynamics in those markets.
Regional players
- Conekta: Mexican payment processor offering gateways, fraud tools, and installments. Comparable to ePayco in product scope and SMB/enterprise focus; relevant given ePayco's stated expansion into Mexico.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
ePayco social profiles
Digital presenceePayco compliance and trust
Trust signalCompliance3 records
ePayco financial estimates
Financial estimateRevenue estimate
Valuation estimate
ePayco leadership team
Management profileNumber of profiles
Profiles2 records
ePayco funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ePayco 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 ePayco
What does ePayco do?
ePayco is a Colombian payment gateway platform that processes online, recurring, and in-person payments for businesses through both Aggregator and Gateway models. It accepts 22+ payment methods including credit cards, PSE bank transfers, digital wallets (Nequi, DaviPlata), and cash networks (Efecty, Gana, Baloto, SafetyPay). The platform adds value through split payments for marketplaces, tokenized recurring billing, real-time fraud prevention, mass payouts for payroll, an online store builder (Shops), and pre-built plugins for major e-commerce platforms.
Is ePayco a public or private company?
ePayco is a private company. It is classified as venture growth investor backed and is currently operating.
When was ePayco founded?
ePayco was founded in 2011. It employs 11 to 50 people.
Where is ePayco based?
ePayco is headquartered in Medellín, Colombia, in the Latin America region.
How does ePayco make money?
Five revenue lines are on record. Transaction Fees - Aggregator Model is the primary driver. The others are transaction Fees - Gateway Model, subscription Services, payPal Withdrawal Fees and ePayco Shops.
Who are ePayco's main competitors?
Broad incumbents on record are Stripe and MercadoPago. Emerging players are dLocal, Kushki and EBANX. Direct peers are Wompi, Bold (Bold.co), PayU and PlacetoPay (Evertec). Conekta is listed as a regional player.
Does ePayco have an API?
Yes. REST API that enables developers to integrate ePayco payment processing into websites and applications. Supports all payment methods including credit cards, PSE, cash payments, and digital wallets. Features include split payments, subscription management, checkout creation, and fraud control via Apify solutions. JWT authentication available for secure API access. Developer documentation is at docs.epayco.com.
What industry is ePayco in?
ePayco's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAG, Marketplace & Platform Payments (Split Payments, Sub-merchants), with a secondary code of FSAMAKAE, Marketplace & Platform Seller Payouts. Its NAICS code is 522320.