APIO

What APIO does

APIO (legal entity: APIO Technologies SpA) is a Chilean fintech company headquartered in Santiago (Providencia commune) that operates a payment orchestration and financial management platform for B2B and B2C merchants, billers, and professional service providers in Chile. The company positions itself as an end-to-end platform spanning the full collection cycle, from billing, invoicing, and payment acceptance through reconciliation, treasury management, and expense management, delivered through six core products: payment orchestration, subscriptions and memberships, treasury and bank reconciliation, loyalty, expense management/accounts payable, and accounts receivable/collections, supplemented by a white-label portal and an omnichannel communication module.

The platform is built on a RESTful API architecture with webhooks and modular components, supporting 50+ integrations with Chilean payment processors and acquirers (Transbank, WebPay), digital wallets (Mercado Pago, MACH, BE Pay), alternative methods (Khipu, Klap, Kushki, Pago Fácil), Open Banking connectivity to multiple Chilean banks, ERP/CRM systems, and the Chilean tax authority (SII) for automated invoice retrieval. Core technology includes an AI-powered reconciliation engine for real-time transaction matching, AI-driven invoice and receipt data extraction, an AI recommendation engine for personalized loyalty offers, predictive analytics for cash flow, automated retry logic for failed transactions, and AI agents ('Agentes de IA') for payment orchestration.

APIO generates revenue through transaction processing commissions on payments facilitated through integrated processors, tiered monthly SaaS subscriptions (Boleta Exenta at $1,260,000 CLP, Factura at $264,000 CLP, Nota de Crédito at $104,500 CLP), and custom enterprise contracts negotiated by volume. The company targets mid-market and enterprise B2B and B2C clients across 12+ verticals including retail, telecommunications, legal, insurance, utilities, real estate, banking, e-commerce, wholesale, health, education, and software. Named customers include Salcobrand (retail/pharmacy enterprise), SoyMomo (technology startup), and Defensoría Deudor (mid-market legal services). The platform claims to serve more than 30,000 users, exclusively within Chile.

Name

APIO

Legal name

APIO Technologies SpA

Website

https://apio.cl

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

APIO Technologies SpA is a Chilean fintech operating an API-first payment orchestration, billing, reconciliation, treasury, and loyalty platform serving B2B and B2C merchants and billers in Chile with over 30,000 users and 50+ local payment integrations.

Ownership category

akta.pro rank

Product category

Payment Orchestration

NAICS

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

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payment Gateways & API Connectivity (FSAGABAB), Open Banking APIs & Connectivity (FSAMAFAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment orchestration
• Payment processing
• Billing automation
• Treasury management
• Transaction reconciliation

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Commissions: APIO charges commission fees to merchants for payment processing services. The company acts as a technology intermediary facilitating card payments through integrated processors. Fees are detailed in service contracts and may be modified based on market conditions with prior notification to users.
2. Platform/SaaS Subscriptions: Subscription-based pricing for access to the full platform including payment orchestration, reconciliation, treasury management, loyalty, and expense management features. Pricing tiers based on transaction volume and feature requirements.
3. Custom Enterprise Contracts: Enterprise clients can negotiate special pricing directly with APIO through supplementary annexes to service agreements. Custom pricing based on volume and specific business requirements.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

APIO provides a unified payment orchestration, billing, treasury, loyalty, and accounts payable platform that enables Chilean merchants, billers, and professional service providers to accept and manage multiple payment methods (cards, bank transfers, digital wallets), reconcile transactions in real time using AI, automate collections and reminders, and run subscription and loyalty programs from a single API integration. The platform also offers Open Banking connectivity for multi-bank treasury visibility and AI-powered expense management.

Product overview

APIO is a Chilean payment orchestration and financial management platform consisting of six core products: (1) Pagos/Orquestación de Pagos as the central payment orchestration engine, (2) Suscripciones y Membresías for recurring payment management, (3) Tesorería for treasury and bank reconciliation, (4) Fidelización/Loyalty for customer loyalty programs, (5) Gestión de Gastos/Cuentas por Pagar for B2B expense management, and (6) Pagos, Recaudación y Cobranza for accounts receivable. The platform is complemented by a white-label portal module and omnichannel communication tools. All products integrate via APIs and Webhooks and incorporate AI capabilities for automation, anomaly detection, and optimization.

Differentiator

Problem solved

Functional benefit

Products and services

• Pagos / Orquestación de Pagos Payment orchestration platform that enables businesses to accept and manage multiple payment methods including credit cards, debit cards, bank transfers, and digital wallets through a single integration. Features include automated retries, real-time monitoring, and reconciliation. Targeted at merchants and businesses seeking to consolidate payment processing across multiple acquirers.
• Suscripciones y Membresías Subscription and membership management platform for recurring payments with features including payment method enrollment, multiple billing frequencies, custom collection policies, promotions, trial periods, and pause/modification capabilities. Designed for businesses with subscription-based revenue models.
• Tesorería / Conciliación Bancaria Treasury and bank reconciliation solution with real-time data reconciliation, balance visibility, intelligent matching algorithms, flexible rules engine, and Open Banking integrations for connecting to multiple banks. Targeted at finance and treasury teams seeking to automate reconciliation and gain multi-bank visibility.
• Fidelización / Loyalty Customer loyalty and loyalty points management platform with transaction-to-customer ID association, points and balances system, in-store or virtual redemption, real-time qualification, and AI-powered offer optimization. Designed for retail and e-commerce businesses seeking to drive customer retention.
• Gestión de Gastos / Cuentas por Pagar Expense management and accounts payable solution for B2B payments. Features include expense categorization, automated data capture workflows, approval flows, vendor payments, bill payments, and mass payments with ERP integration. AI-powered data extraction retrieves key information from invoices via the Chilean tax authority (SII). Targeted at finance and accounts payable teams.
• Pagos, Recaudación y Cobranza Accounts receivable solution for B2C and B2B covering billing, collection, and payment collection with invoice management, payment links, automatic reminders, and real-time analytics. Designed for businesses seeking to automate invoicing and collections.

Quantifiable outcome

• Cart abandonment reduction through omnichannel checkout optimization
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability9 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core.

• TransbankcoreTechnology or IntegrationPrimary payment processor integration for credit and debit card transactions in Chile. APIO integrates with Transbank as an acquiring bank partner for payment authorization and processing.
• Mercado PagocoreTechnology or IntegrationIntegration with Mercado Pago digital wallet and payment gateway. Enables acceptance of Mercado Pago as a payment method on merchant platforms.
• KhipucoreTechnology or IntegrationIntegration with Khipu for bank transfer payment processing, enabling direct payment through Chilean banking channels.
• WebPaycoreTechnology or IntegrationWebPay gateway integration for credit and debit card processing through Transbank network.
• Open Banking PartnerscoreTechnology or IntegrationMulti-bank connectivity through Open Banking integrations for real-time account aggregation and transaction reconciliation across Chilean financial institutions.
• ERP/CRM Integration PartnerscoreTechnology or IntegrationNative integrations with major ERP and CRM systems for seamless financial data synchronization and automated bookkeeping.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Spreedly: Spreedly is a US-based payment orchestration platform that lets merchants route transactions across multiple gateways and processors through a single API. Like APIO, it abstracts processor complexity and adds vaulting/retry logic — though Spreedly operates globally rather than being Chile-specialized.
• Primer: Primer is a payment orchestration and infrastructure platform that unifies multiple PSPs, fraud providers, and 3DS services through a single API and workflow engine. It is a direct functional analog to APIO at a more mature stage, with similar universal-orchestrator positioning.
• Kushki: Kushki is a LatAm-focused payment processor and orchestration layer operating across multiple Andean and Central American markets. It is simultaneously a partner and direct competitor to APIO in Chile, and shares the multi-country LatAm expansion thesis.

Broad incumbents

• EBANX: EBANX is a larger LatAm cross-border payments processor connecting global merchants to local payment methods across Brazil, Mexico, Chile, and others. It overlaps with APIO on Chile payment-method coverage but operates as a broader regional incumbent.
• dLocal: dLocal is a publicly-listed cross-border payments platform specializing in emerging markets including Chile. It competes with APIO for merchants needing local payment-method acceptance and operates at significantly larger scale.
• Stripe: Stripe is a global payments infrastructure giant that offers routing, subscriptions (Stripe Billing), and reconciliation. While Stripe does not yet replicate APIO's depth in Chilean local methods, it is the gravitational competitor for any merchant-focused orchestration platform.
• Adyen: Adyen is a global payment processor that provides unified commerce, reconciliation, and platform-level processing to large enterprises. It represents the upper bound of where APIO could grow as it matures and onboards enterprise clients.
• Mercado Pago: Mercado Pago is the dominant digital wallet and payment processor in LatAm. It is both an integration partner for APIO and a broad incumbent that could compete on orchestration-style features if it chose to expose more APIs.

Regional players

• Conekta: Conekta is a Mexican payment processor and orchestration-style platform for online and offline merchants in Mexico. Comparable to APIO in product breadth within a single LatAm market, though operating in a different geography.

Emerging players

• Belvo: Belvo is a LatAm Open Banking API platform that connects applications to bank data and payments across Mexico, Brazil, Colombia, and other markets. Its Open Banking connectivity product is functionally analogous to APIO's treasury/Open Banking capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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 APIO