What GMoney does

GMoney S.A. is a Peruvian fintech company authorized as an Electronic Money Issuer (EEDE) by the Superintendencia de Banca, Seguros y AFP (SBS) under Resolution No. 7247-2015 and operates as a subsidiary of Grupo La República. Founded in 2015 and headquartered in Lima, the company runs an API-first Banking-as-a-Service platform that supplies modular RESTful APIs, white-label SDKs, and a sandbox environment for Peruvian enterprises to embed payments, collections, disbursements, digital wallets, electronic money issuance, bill payments, KYC/AML compliance, card issuance (BIN Sponsor for Mastercard), and cross-border payments into their own applications. Its product surface includes the PandaEmpresas financial management dashboard, customizable Home Banking, and interoperability connectivity to Peru's national clearing chamber (Cámara de Compensación).

The underlying technology stack is built around modular, documented APIs (with Swagger), PCI DSS-compliant infrastructure, and an ISO/IEC 27001:2022-certified Information Security Management System. GMoney monetizes through API/SDK licensing and subscriptions, usage-based transaction fees on routed payment flows, and fees from Mastercard BIN Sponsorship and card program services. Pricing is enterprise-customized and quote-based, with no public rate card. The go-to-market is direct B2B enterprise sales targeting Peruvian companies that need regulated financial infrastructure without building it in-house; distribution channels are limited to direct sales plus a corporate website and a self-service PandaEmpresas portal for existing clients. The company is regulated by the SBS and operates under the oversight of Peru's central bank (BCRP).

GMoney is led by CEO Gustavo Mohme, with a management team covering finance, risk, IT, commercial, product, and operations. The team includes specialists with backgrounds at Deloitte & Touche, Occidental Petroleum, Pluspetrol, and prior fintech and telecommunications experience. Marketing is conducted through LinkedIn, Facebook, Instagram, and TikTok, and demand generation runs primarily through the corporate website. The company has no publicly disclosed revenue and no external venture funding, operating as a self-funded subsidiary of a diversified Peruvian conglomerate.

Name

GMoney

Legal name

GMoney S.A.

Website

https://gmoney.com.pe

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

GMoney is a Peruvian SBS-authorized Electronic Money Issuer (EEDE) and Banking-as-a-Service platform offering modular APIs, white-label SDKs, and Mastercard card issuance for Peruvian enterprises embedding digital financial services. It monetizes via licensing, transaction fees, and card program fees.

Ownership category

akta.pro rank

Product category

Banking-as-a-Service Infrastructure

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Credit Card Issuing (52221)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)

Keywords

• Banking-as-a-service
• Electronic money issuance
• Financial APIs
• Digital wallet platform
• Payment infrastructure

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API/SDK Licensing and Subscription: GMoney licenses its modular APIs, SDKs, and Banking-as-a-Service infrastructure to enterprise clients. Companies pay for access to the platform's pre-built financial modules (payments, collections, KYC, digital wallets) on a per-API or subscription basis. Revenue is generated through licensing fees for the technology platform.
2. Transaction Processing Fees: GMoney charges transaction fees on payment flows routed through its platform, including collections (recaudación), disbursements (dispersión), cross-border transfers, and bill payment services. This creates a usage-based revenue stream proportional to transaction volume.
3. BIN Sponsor / Card Program Fees: Revenue from acting as BIN Sponsor for Mastercard debit and prepaid card programs, charging fees for card issuance, network access, and processing services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

GMoney is a Peruvian fintech and licensed Electronic Money Issuer (EEDE) that provides a Banking-as-a-Service (BaaS) platform to enterprises through modular RESTful APIs, SDKs, and white-label tools. Its core offerings include electronic money/digital wallet issuance, payment collections (Recauda), disbursements (Dispersa), KYC/AML compliance, Mastercard BIN sponsorship, bill payment, cross-border payments, interoperability, and the PandaEmpresas financial management dashboard. The platform enables businesses to embed financial services into their own applications without building core banking infrastructure.

Product overview

GMoney is a Peruvian fintech company (EEDE - Empresa Emisora de Dinero Electrónico) authorized by SBS and BCRP, operating as both a digital wallet provider for end consumers and a Banking-as-a-Service platform for enterprises. The core offering centers on modular RESTful APIs and white-label solutions including PandaEmpresas (financial management dashboard), Banking As a Service (digital wallet and card issuance), EEDE Services (electronic money platform), BIN Sponsor Mastercard, KYC Regulatory verification, Payment Service APIs (Recauda/Dispersa), Pago de Servicios (bill payments), Crossborder payments, Interoperability APIs, and Home Banking customization. All products share a common infrastructure with PCI DSS and ISO 27001:2022 certifications, enabling rapid deployment through pre-built, scalable, and secure financial technology modules.

Differentiator

Problem solved

Functional benefit

Brands

• PandaEmpresas: Enterprise financial management platform for controlling finances, visualizing operations in real-time, and optimizing disbursement and collection processes.
• Banking As a Service

Quantifiable outcome

• Modular APIs and pre-built infrastructure reduce financial product launch cycles compared to building from scratch.

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature11 records

Partnerships

Four partnerships are on record, tiered core.

• Cámara de Compensación (Compensation Chamber)coreTechnology or Integration · 1 January 2024In 2024, GMoney launched production integration with the Cámara de Compensación (Compensation Chamber) to enable interoperability services. This allows GMoney's digital wallet and payment infrastructure to connect with the national clearing and settlement system, facilitating fund transfers between different financial platforms, banks, and digital wallets across Peru.
• MastercardcoreTechnology or Integration · 1 January 2021GMoney has been a principal member of Mastercard since 2021. Through this partnership, GMoney acts as BIN Sponsor for businesses wanting to issue Mastercard debit and prepaid cards, granting cardholders access to the global Mastercard payment network for online and in-person purchases. This enables GMoney's clients to launch branded card programs under the Mastercard umbrella.
• SBS (Superintendencia de Banca, Seguros y AFP)coreOthersGMoney operates as a regulated EEDE (Empresa Emisora de Dinero Electrónico) under SBS authorization (Resolución SBS No. 7247-2015). The SBS oversees and regulates GMoney's electronic money issuance operations, ensuring compliance with Peruvian financial regulations including AML/CFT requirements.
• BCRP (Banco Central de Reserva del Perú)coreOthersGMoney's logo appears alongside the BCRP (Central Reserve Bank of Peru) on its website, indicating regulatory alignment and oversight by Peru's central bank for electronic money operations.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Regional players

• Clip: Mexico-based payments and acquiring platform offering POS and digital payment solutions to SMBs. Comparable business model in a different geography; illustrates the regional BaaS/acquirer competitive set GMoney faces when expanding.

Broad incumbents

• dLocal: LatAm-focused cross-border payments platform serving global merchants entering emerging markets. Comparable as a broader regional payments infrastructure player with overlapping cross-border capabilities, though at significantly larger scale.
• MercadoPago: LatAm digital wallet, payment processor, and acquirer operated by Mercado Libre. Comparable as a dominant wallet/processing platform in Peru with overlapping payment-rails competition, though at vastly larger scale.
• Plin: Peruvian interbank mobile wallet consortium operated by multiple Peruvian banks. Comparable as a domestic interoperable wallet ecosystem that GMoney connects to via the Cámara de Compensación, and a competing digital-payment rails option.
• Yape: Peru's leading digital wallet operated by Banco de Crédito del Perú (BCP). Comparable as a Peru-domestic wallet and payment ecosystem, though backed by a large bank rather than a BaaS infrastructure model.
• PagSeguro / PagBank: Brazil-based acquirer and digital banking/BaaS platform offering card processing, digital wallets, and embedded financial services. Comparable as an integrated acquirer + BaaS model that GMoney's BIN sponsorship and white-label platform parallel at smaller scale.

Direct peers

• Niubiz: Peruvian payment processor and acquirer (formerly VisaNet Perú) offering card acceptance and payment processing to merchants and enterprises. Directly competes with GMoney in Peru's payment-processing and BIN-sponsorship-adjacent space.
• Belvo: LatAm open finance API platform providing financial data connectivity and payment initiation. Highly comparable as a developer-first BaaS/open-finance infrastructure provider targeting enterprises across Latin America.
• Kushki: Latin American payment infrastructure and BaaS provider offering APIs for online payments, card processing, and digital banking. Directly comparable as a regional API-first BaaS platform serving enterprise clients.
• Izipay: Peruvian payment processor providing POS and online card acceptance services to merchants. Comparable as a Peru-domestic payments and acquiring competitor with overlapping enterprise merchant base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookweb.facebook.com/somosgmoney
• LinkedInlinkedin.com/company/gmoneyoficial
• Instagraminstagram.com/gmoney_oficial
• TikToktiktok.com/@gmoney_oficial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 GMoney