What Htech does

Htech Solutions, S.A. de C.V., operating under the brand Htech, is a privately held Mexican payment processor founded in 2010 in San Pedro Garza García, Nuevo León. The company provides an online payment gateway that enables businesses to accept Card Not Present debit and credit card transactions, alongside an AI/ML-based anti-fraud platform that performs real-time card validation, geographic location verification, and chargeback minimization. Supporting product modules include an integrated payment portal with customizable design and a recurring billing management system for subscription-based businesses. The infrastructure is certified to PCI-DSS Level 1, the highest tier of payment card industry security compliance, and the company reports processing over one million transactions daily with a 99.5%+ acceptance rate on a 390 TB Big Data platform.

The company generates revenue primarily through a transaction-based fee of 3.5% plus Mexican IVA per processed Card Not Present payment, with the commission rate subject to modification at Htech's discretion. Pricing is published and operates on a pay-as-you-go cadence. Htech serves a horizontal base of online and subscription-based businesses requiring secure payment acceptance, fraud protection, and customizable billing workflows, with stated reach across Mexico and other Latin American markets. The go-to-market is sales-led, with prospects registering through the website contact form and being contacted by sales advisors; an API-first developer platform (desarrolladores.htech.com) supplements direct sales for technical integrations.

Htech is organized as an independent private company with no disclosed parent, funding rounds, institutional investors, M&A activity, partnerships, or named management team in the source data. Technical capacity is supported by a 250+ person engineering organization covering backend, frontend, mobile, data science, DevOps, and quality engineering. The company's stated mission is to provide high-quality digital payment infrastructure with the lowest fraud rate in the market, and its stated vision is to become the preferred global reference for digital payments across industries.

Name

Htech

Legal name

Htech Solutions, S.A. de C.V.

Website

https://htech.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

Htech is a Mexico-based payment processor that provides online Card Not Present payment gateway and AI/ML-based anti-fraud solutions to businesses across Latin America on a 3.5% transaction-fee model.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Online payment processing
• Payment gateway services
• Card-not-present transactions
• Anti-fraud platform
• Recurring payment management

Headquarters

HQ city

San Pedro

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Commission: Transaction-based fee charged per Card Not Present payment processed. Commission is 3.5% plus IVA (Mexican value-added tax) per transaction. This is the primary revenue stream for the company.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Htech provides an online payment processing platform that enables businesses to accept debit and credit card payments (Card Not Present transactions) with a +99.5% acceptance rate, processing over 1 million daily transactions. The offering includes an AI/ML-based anti-fraud intelligence platform with real-time analysis, card validation, and geographic verification, plus an integrated customizable payment portal and recurring payment management for subscription-based businesses.

Product overview

Htech is a unified payment processing platform with complementary modules. The core offering consists of the 'Procesador de Pagos' (payment processor) and 'Inteligencia Antifraude' (anti-fraud intelligence) platform. These are augmented by an integrated payment portal and recurring payment management module. All components share a common technology infrastructure based on machine learning and data analysis, providing end-to-end protection and 99.5% transaction acceptance rates. The platform operates as a 100% digital, real-time solution with over 1 million daily transactions processed.

Differentiator

Problem solved

Functional benefit

Products and services

• Procesador de Pagos (Payment Processor) Core payment processing platform enabling businesses to accept Card Not Present debit and credit card payments quickly, securely, and flexibly. Achieves a +99.5% transaction acceptance rate and processes over 1 million daily transactions with high availability. Designed for online businesses requiring reliable payment acceptance.
• Inteligencia Antifraude (Anti-Fraud Intelligence) Anti-fraud platform based on real-time data analysis providing end-to-end transaction protection. Features credit card validation, geographic location verification, and continuous cybersecurity testing through simulated cyber attacks and vulnerability analysis. Built on PCI-DSS Level 1 certified infrastructure with machine learning to minimize chargebacks.
• Portal Integrado (Integrated Payment Portal) Customizable payment portal connected to the client's customer portal, enabling real-time integration with billing systems for invoice collection and payment updates. Allows fully tailored design to meet specific business needs.
• Gestión de Pagos Recurrentes (Recurring Payment Management) Recurring payment management system that facilitates subscription-based business payments, enabling automated billing cycles for subscription models. Helps businesses manage ongoing customer payments with reduced manual intervention.

Quantifiable outcome

• 99.5%+ transaction acceptance rate
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature6 records

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Regional players

• EBANX: LATAM payment processor specializing in cross-border transactions for global merchants entering the region. Comparable to Htech in card-not-present processing and Latin American market focus, but with a stronger cross-border merchant focus.
• PagSeguro: Brazilian payment processor offering online payment APIs, fraud prevention, and subscription billing. Comparable to Htech in core payment processing and fraud capabilities, but primarily serving the Brazilian market.

Broad incumbents

• Stripe: Global payment processor offering card-not-present APIs, fraud tools (Radar), and subscription billing. Directly comparable to Htech's gateway, recurring billing, and ML-based fraud detection, but at global scale and with broader feature depth.
• PayPal: Global digital payments platform offering card-not-present processing, fraud protection, and subscription billing. Comparable to Htech in core payment processing and fraud tools, but with global reach and broader consumer payment features.
• Adyen: Global unified payments platform serving enterprises with card-not-present processing, fraud risk management, and acquiring. Comparable to Htech in core payment processing and fraud capabilities, but operating at significantly larger scale and across more geographies.
• Mercado Pago: LATAM's largest digital payments platform, part of Mercado Libre, offering online checkout, fraud tools, and credit. Comparable to Htech in payment processing and fraud detection, but with massive scale across the region and integrated marketplace distribution.

Direct peers

• Clip: Mexican payment processor providing card acceptance and online payment solutions to SMBs and enterprises. Closest direct competitor to Htech in the Mexican market, with overlapping APIs, fraud prevention, and recurring payment features.
• Conekta: Mexico-based online payment processor offering card-not-present APIs, fraud prevention, and subscription billing. Directly comparable to Htech across product categories, customer segments (online businesses, subscriptions), and Mexican market focus.
• Kushki: LATAM-focused payment infrastructure platform spanning Mexico, Brazil, Colombia, Chile, and other markets. Comparable to Htech across online payment processing, fraud prevention, and recurring billing, with similar regional concentration strategy.
• OpenPay: Mexican online payment processor providing card-not-present APIs, fraud prevention, and recurring payment management. Direct competitor to Htech in the Mexican market with similar feature sets and customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/htechmexico

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Htech