PagoFacil

What PagoFacil does

PagoFácil, legally Por Favor Paguen A Tiempo, S.A. de C.V., is a Mexico City-based payment aggregator founded in 2010 that enables SMBs and mid-market merchants to accept payments through multiple rails — Visa, Mastercard, and American Express cards via online gateway and virtual POS, physical wireless TPV terminals, over-the-counter cash at 24,000+ convenience stores and pharmacies, SPEI bank transfers, recurring billing, email-based payment links, and Meses Sin Intereses (0% interest) installments of 3 to 18 months through partner banks. The platform is PCI DSS Level 1 certified (since November 2017), exposes REST/SOAP APIs and pre-built plugins for Magento, WooCommerce, Shopify, and PrestaShop, and applies 3D Secure, SSL (Thawte), and a manual-plus-automated anti-fraud review with 24-hour monitoring.

The company operates a product-led, self-serve go-to-market: merchants register online, receive an automatically generated virtual terminal, and pay a transaction-based take rate of 3.5% + IVA for standard card processing, 2.9% + $3 MXN for cash payments, and variable MSI commissions layered on top, with custom volume discounts above $100,000 MXN monthly. The customer base of 8,000+ active businesses spans e-commerce, professional services, hosting, education, entertainment, NGOs, and recurring-billing use cases, with headquarters at Montecito 38, Nápoles, Benito Juárez, Mexico City. Ownership appears founder-controlled and bootstrapped aside from a single $1M funding event in January 2013; no acquisitions, leadership changes, or institutional investment rounds are disclosed in the source data.

Name

PagoFacil

Legal name

Por Favor Paguen A Tiempo, S.A. de C.V.

Website

https://pagofacil.net

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

PagoFácil is a Mexico-based payment aggregator serving SMBs and e-commerce merchants with multi-channel card, cash, SPEI, recurring, and installment payment processing, PCI DSS Level 1 certified, and supported by national bank and convenience-store partnerships.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Sales Financing (52222)

akta.pro primary industry

POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Card-Not-Present / eCommerce Acquirers (FSAMABAD), Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

Keywords

• Payment processing
• Online payment gateway
• POS terminals
• Cash payment network
• Installment payments

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Card Payment Processing: Transaction fee charged as percentage of each card payment processed (credit and debit cards). Base rate of 3.5% + IVA per transaction for standard card payments. Higher rates apply for installment plans (Meses Sin Intereses). Revenue generated per transaction with no fixed monthly fees.
2. Cash Payment Processing: Fee structure of 2.9% + $3.00 MXN per transaction for cash payments made at convenience stores and other retail locations. Additional commission may be charged by the payment establishment.
3. SPEI Bank Transfer: Fees for processing bank transfers through Mexico's SPEI system (not explicitly detailed in rates)
4. Installment Payment (MSI): Additional commissions applied on top of base rate for Meses Sin Intereses transactions. Rates vary by card issuer and number of months (3, 6, 9, 12). Commission structure: base PagoFácil fee + bank rate = total.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

PagoFácil is a Mexican payment aggregator that provides merchants with a multi-channel payment processing platform accepting credit and debit cards (Visa, Mastercard, American Express, Carnet), cash payments at more than 24,000 convenience-store locations across Mexico, SPEI bank transfers, recurring/subscription billing, email-based payment links, and 0% interest installment plans (Meses Sin Intereses) ranging from 3 to 18 months. The offering is delivered via a web-based virtual POS, physical wireless POS hardware, a manager dashboard, and pre-built plugins for major e-commerce platforms such as Magento, PrestaShop, WooCommerce, and Shopify.

Product overview

PagoFacil is a Mexican payment aggregator offering a multi-channel payment platform that enables merchants to accept various payment methods. The core offering consists of eight integrated payment solutions: PagoFácil Online (e-commerce card processing), PagoFácil TPV Virtual (virtual terminal), PagoFácil TPV (physical POS terminal), PagoFácil Cash (convenience store payments), PagoFácil SPEI (bank transfers), PagoFácil Domiciliados (recurring/subscription payments), PagoFácil Click (email-based payments), and PagoFácil Meses (installment payments). The platform is designed for Mexican SMEs and e-commerce businesses, supporting all major card networks and offering extensive point-of-sale network coverage across Mexico.

Differentiator

Problem solved

Functional benefit

Products and services

• PagoFácil Online Web-based payment gateway that lets merchants accept credit and debit card payments online, including Visa, Mastercard, American Express, and Carnet, with installment plan support.
• PagoFácil TPV Virtual Virtual point-of-sale terminal that allows merchants to process card-not-present transactions through a web interface, with multi-currency and installment support.
• PagoFácil Cash Allows merchants to offer their customers the option to pay in cash at more than 24,000 convenience-store locations throughout Mexico via a printed voucher.
• PagoFácil Domiciliados Recurring billing and subscription management tool that lets merchants automatically charge customers on a scheduled basis.
• PagoFácil Click Email-based payment link solution that lets merchants send a secure payment request to customers via email for one-time card payments.
• PagoFácil Meses Installment payment processing product that enables merchants to offer 0% interest installment plans (Meses Sin Intereses) of 3 to 18 months in partnership with participating issuing banks.
• PagoFácil TPV Physical wireless POS terminal hardware for in-person card-present transactions, including chip-and-PIN and contactless.
• PagoFácil SPEI Real-time SPEI bank transfer payment option that lets Mexican banked customers pay merchants directly from their bank accounts.

Quantifiable outcome

• 30% increase in online sales reported by customer Ingenia Hosting
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature14 records

Partnerships

21 partnerships are on record, tiered core and supporting.

• VisacoreTechnology or IntegrationMajor card network partnership enabling Visa card acceptance for merchants processing payments through PagoFácil's payment gateway and POS terminals
• MastercardcoreTechnology or IntegrationMajor card network partnership enabling Mastercard card acceptance for merchants processing payments through PagoFácil's payment gateway and POS terminals
• American ExpresscoreTechnology or IntegrationCard network partnership enabling American Express card acceptance with specific merchant terms and conditions including data usage授权 and operational compliance requirements
• PROSAcoreTechnology or IntegrationPayment processor and financial services infrastructure partner providing transaction processing backbone for the PagoFácil platform in Mexico
• BanortesupportingTechnology or IntegrationFinancial institution partner for payment processing and bank transfers within the Mexican financial system
• BBVA BancomersupportingTechnology or IntegrationFinancial institution partner for payment processing and banking services within the Mexican financial system
• OXXOcoreChannel Partner/ Reseller/ DistributorCash payment collection partner with thousands of convenience store locations across Mexico enabling customers to pay in cash for online purchases
• 7-ElevencoreChannel Partner/ Reseller/ DistributorCash payment collection partner with convenience store locations operating 7:00-23:00, allowing cash payments up to $5,000 per transaction
• Telecom (OXXO Pay)supportingChannel Partner/ Reseller/ DistributorConvenience store chain partner for cash payment collection with extended hours (00:00-23:59) and varying transaction limits
• FarmaciassupportingChannel Partner/ Reseller/ DistributorPharmacy partner network for cash payment collection at retail pharmacy locations across Mexico
• INBURSAsupportingTechnology or IntegrationBank partner for Meses Sin Intereses (installment payments) enabling 0% interest installment plans with participating card issuers
• Bancomer (BBVA)supportingTechnology or IntegrationBank partner for Meses Sin Intereses (installment payments) enabling 0% interest installment plans with participating card issuers
• SantandersupportingTechnology or IntegrationBank partner for Meses Sin Intereses (installment payments) enabling 0% interest installment plans with participating card issuers
• HSBCsupportingTechnology or IntegrationBank partner for Meses Sin Intereses (installment payments) enabling 0% interest installment plans with participating card issuers
• ScotiabanksupportingTechnology or IntegrationBank partner for Meses Sin Intereses (installment payments) enabling 0% interest installment plans with participating card issuers
• BanregiosupportingTechnology or IntegrationRegional bank partner for Meses Sin Intereses (installment payments) enabling installment options for regional customers
• Liverpool Premium CardsupportingTechnology or IntegrationStore card partner for Meses Sin Intereses (installment payments) enabling installment plans at Liverpool department stores
• PrestaShopsupportingTechnology or IntegrationE-commerce platform partnership offering official PagoFácil payment plugin for PrestaShop 1.5, 1.6, and 1.7 versions with 3D Secure support
• MagentosupportingTechnology or IntegrationE-commerce platform partnership offering official PagoFácil payment gateway plugin for Magento merchants with WebForm, direct, and cash payment options
• WooCommercesupportingTechnology or IntegrationWordPress e-commerce plugin integration partnership enabling PagoFácil payment acceptance for WooCommerce store owners
• ShopifysupportingTechnology or IntegrationE-commerce platform integration partnership enabling PagoFácil payment processing for Shopify merchants in Mexico

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Clip: Mexican payment processor offering card-present and POS solutions to SMBs. Directly competes with PagoFácil in the Mexican merchant acquiring space, particularly around POS hardware and card acceptance.
• Conekta: Mexican online payment gateway serving e-commerce merchants with card and OXXO cash-voucher acceptance. Closest functional peer to PagoFácil Online and PagoFácil Cash.
• OpenPay (BBVA): Mexican payment gateway backed by BBVA, offering card processing, cash payments at OXXO, and SPEI for online merchants. Direct overlap with PagoFácil's product set.
• NetPay: Mexican payment processor offering card-present, online, and installment solutions to SMBs and mid-market merchants — closely comparable scale and customer segment.
• Sr.Pago: Mexican payment processor combining mobile POS hardware and online gateway for SMBs. Overlaps with PagoFácil's TPV hardware and Online products.

Broad incumbents

• Mercado Pago: Dominant Latin American digital payments platform from Mercado Libre. Massive scale advantage in Mexico across online, POS, and credit, but as a broader commerce ecosystem rather than a focused gateway.
• PayU Latam: Global digital payments provider with strong Mexican presence offering card processing, cash vouchers, and installments. Comparable product set but part of a much larger multinational portfolio.

Emerging players

• Kushki: Latin American payment processor expanding across Mexico with online gateway and POS offerings. Comparable cross-border LatAm payments focus with growing Mexico presence.
• dLocal: Cross-border payments platform enabling international merchants to accept payments in Latin America including Mexico. Overlap on Mexican payment-method coverage (cards, cash, bank transfers).
• ComproPago: Mexican cash-voucher payment processor enabling online merchants to accept cash payments at convenience stores. Direct overlap on the PagoFácil Cash product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pagofacil
• Facebookfacebook.com/pagofacil.net
• LinkedInlinkedin.com/company/pagofacil

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

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 PagoFacil