Conomy
Conomy is a Santiago, Chile-based fintech infrastructure company founded in 2021 that provides a single API for payment processing, collections, disbursements, and reconciliation across 22 Latin American countries, serving property managers, hospitality operators, marketplaces, and white-label fintech partners.
- Company typePrivate
- Founded2021
- HeadquartersSantiago, Chile
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Conomy does
Conomy is a Santiago, Chile-based fintech infrastructure company founded in 2021 that provides a single API for payment processing, collections, and disbursements across 22 Latin American countries. The platform supports locally relevant payment rails including PIX (Brazil), SPEI (Mexico), CVU (Argentina), PSE (Colombia), and Webpay (Chile), alongside card payments, bank transfers, and cryptocurrency settlement. Conomy sells to four primary verticals: property managers, hospitality and tourism operators, marketplaces and platforms, and fintech companies seeking white-label infrastructure.
The platform is structured around four integrated products. Payment Core handles transaction processing through one API integration with a documented 99.9% uptime SLA and under-5-day average integration time. Smart Accounts provides nested multi-currency account infrastructure that lets platforms create sub-accounts for merchants, sub-merchants, and operators with automated commission distribution and real-time reconciliation. Conciliación (Reconciliation) automates line-by-line transaction matching with configurable business rules and ERP connectivity. Whitelabel allows enterprises to deploy branded digital wallets and payment solutions under their own identity. The technology stack is PCI DSS certified and 3DS compliant, and Conomy exposes REST API documentation at docs.conomyhq.com.
Conomy's revenue model combines transaction-based fees on processed payments, licensing or platform fees for whitelabel deployments, and recurring fees tied to Smart Accounts usage. Pricing is not publicly disclosed; every commercial entry point uses a "Book a Demo" call-to-action, indicating a quote-based, consultative enterprise sales motion augmented by self-serve developer documentation. To date the company has no publicly disclosed institutional funding beyond a 2022 Plug and Play accelerator participation, employs 1–10 people, and has no public revenue figures.
Conomy firmographics
Firmographics- Name
- Conomy
- Website
- https://conomyhq.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Conomy is a Santiago, Chile-based fintech infrastructure company founded in 2021 that provides a single API for payment processing, collections, disbursements, and reconciliation across 22 Latin American countries, serving property managers, hospitality operators, marketplaces, and white-label fintech partners.
- Ownership category
- akta.pro rank
Conomy industry classification
Industry- Product category
- Payment Infrastructure / Fintech-as-a-Service
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Conomy is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Markets served
Conomy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- API/Transaction-based Infrastructure Fees: Revenue generated from transaction processing fees via their payment API. The platform processes payments, collections, and disbursements through a single integration, suggesting a usage/transaction-based revenue model.
- Whitelabel Licensing: White-label fintech solutions offered to businesses wanting to launch their own branded financial products, likely a licensing or platform fee model.
- Smart Accounts/Account Management: Revenue from nested account infrastructure enabling merchants and operators to manage balances, process transactions, and distribute commissions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise quote-based pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Conomy product offering
Product offeringCore offering
Conomy provides an API-first fintech infrastructure platform that enables businesses to accept local payment methods, manage nested multi-currency accounts, reconcile transactions in real time, and deploy white-label financial products across 22 Latin American countries. The platform is accessed through a single REST API with average integration under five days, supporting cards, bank transfers, cash, cryptocurrency, PIX, SPEI, CVU, PSE, and Webpay with PCI DSS certification and 99.9% uptime SLA.
Product overview
Conomy is a Latin American fintech infrastructure company offering a modular platform with four core products: Payment Core (unified payment processing API), Smart Accounts (multi-currency wallet and nested account management), Whitelabel (customizable fintech-as-a-service for branded launches), and Conciliación (automated reconciliation). These products work together as an integrated ecosystem—Payment Core handles collections and disbursements, Smart Accounts manages balances and sub-accounts, Reconciliation ensures transactional accuracy, and Whitelabel enables partners to reskin the platform. The company also provides industry-specific solutions for tourism/hospitality and property management verticals.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Core Centralized payment processing API enabling acceptance of card payments, bank transfers, cash, and cryptocurrency through a single integration across 22 Latin American countries. Designed for platforms, marketplaces, and businesses that need local and international payment acceptance with instant settlement and reconciliation.
- Smart Accounts Multi-currency account and wallet management solution with nested account structures for merchants, sub-merchants, and operators, enabling automated commission distribution and real-time reconciliation. Built for marketplaces, platforms, and businesses requiring per-entity balance segregation.
- Whitelabel Fully customizable white-label fintech platform allowing companies to launch digital wallets, payment solutions, and financial services under their own brand across multiple territories. Supports domestic/international transfers, loyalty programs, multi-currency, tokens, and multi-territory deployment.
- Conciliación (Reconciliation) Automated payment reconciliation system that reconciles transactions line-by-line, reducing manual processes, errors, and operating costs for issuers, merchants, and platforms. Supports configurable business rules and API and file-based integration (.xls, .txt, .csv) with ERP connectivity.
- Tourism & Hospitality Solution Payment solution for hotels, hostels, and tourism operators enabling acceptance of PIX (Brazil), Argentine QR codes, cards, and local transfers with automatic currency conversion. Designed to capture cross-border tourist payments and secure deposits.
- Property Management Solution Digital payment platform for property managers and real estate operators automating rent, common expense, and deposit payments with Smart Accounts for per-property financial separation. Built for proptech companies and property managers handling recurring and international tenant payments.
Quantifiable outcome
- 20% reduction in unpaid rent days for property managers
- +5 more outcomes
Companies that use Conomy
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Conomy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Conomy partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights5 records
Conomy competitors and assessment
Company assessmentDirect peers
- dLocal: Public LATAM-focused payments processor offering local payment method coverage across emerging markets. Direct competitor to Conomy's Payment Core API, especially for cross-border merchants needing PIX, SPEI, and other regional rails.
- EBANX: LATAM payments processor covering Brazil, Mexico, Argentina, Colombia, Chile and other regional markets with local payment method acceptance. Closely comparable to Conomy in geographic focus and target customer base (cross-border merchants needing local rails).
- Rapyd: Global payment orchestration and fintech-as-a-service platform with embedded finance, multi-currency wallets, and local payment method coverage. Comparable to Conomy's full stack (Payment Core + Smart Accounts + Whitelabel) though at global rather than LATAM-focused scope.
- Kushki: LATAM payment processing and orchestration platform based in Ecuador with strong presence in Andean markets. Direct regional competitor offering local payment method acceptance and integration infrastructure comparable to Conomy.
Broad incumbents
- Stripe: Global payments giant with growing LATAM local payment method coverage. Overlaps with Conomy's Payment Core API but serves a much broader market with horizontal offerings and substantially larger engineering and capital resources.
- PayU: Global digital payments provider with significant LATAM presence (Brazil, Mexico, Argentina, Colombia, Chile). Overlaps with Conomy's regional payment processing but operates as part of a broader, diversified payments portfolio.
- Mercado Pago: Dominant LATAM fintech ecosystem offering payment processing, wallets, and merchant services across the region. Competes with Conomy in local payment acceptance but as part of a much broader commerce and consumer finance platform.
- Adyen: Global payments platform expanding into LATAM local payment methods. Competes with Conomy for cross-border enterprise merchants, though its product is more horizontal and lacks Conomy's Smart Accounts/nested account depth.
Emerging players
- Conekta: Mexico-based payment processor offering local payment methods (OXXO, SPEI, cards) with API-first integration. Comparable to Conomy's regional coverage and developer-led approach, though focused primarily on the Mexican market.
- Pismo: LATAM-founded banking and payments platform offering core banking, account management, and orchestration APIs. Comparable to Conomy's Smart Accounts and embedded finance (Whitelabel) offering, with overlap in the Brazilian and broader LATAM market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Conomy social profiles
Digital presenceConomy compliance and trust
Trust signalCompliance1 record
Conomy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Conomy leadership team
Management profileNumber of profiles
Conomy funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Conomy 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 Conomy
What does Conomy do?
Conomy provides an API-first fintech infrastructure platform that enables businesses to accept local payment methods, manage nested multi-currency accounts, reconcile transactions in real time, and deploy white-label financial products across 22 Latin American countries. The platform is accessed through a single REST API with average integration under five days, supporting cards, bank transfers, cash, cryptocurrency, PIX, SPEI, CVU, PSE, and Webpay with PCI DSS certification and 99.9% uptime SLA.
Is Conomy a public or private company?
Conomy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Conomy founded?
Conomy was founded in 2021. It employs 1 to 10 people.
Where is Conomy based?
Conomy is headquartered in Santiago, Chile, in the Latin America region.
How does Conomy make money?
Three revenue lines are on record. API/Transaction-based Infrastructure Fees are the primary driver. The others are whitelabel Licensing and smart Accounts/Account Management.
Who are Conomy's main competitors?
Direct peers on record are dLocal, EBANX, Rapyd and Kushki. Broad incumbents are Stripe, PayU, Mercado Pago and Adyen. Emerging players are Conekta and Pismo.
Does Conomy have an API?
Yes. One API for all payments, collections, and disbursements. Enables local payment processing across 22 countries including PIX (Brazil), SPEI (Mexico), CVU (Argentina), PSE (Colombia), and Webpay (Chile). Supports card payments, bank transfers, recurring payments, cross-border payments, and instant settlements. Average integration time under 5 days. Developer documentation is at docs.conomyhq.com/docs.
What industry is Conomy in?
Conomy's product category is Payment Infrastructure / Fintech-as-a-Service. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 52232 and its SIC code is 7372.