Payku

What Payku does

Payku is a Latin American payment gateway founded in 2016 and headquartered in Las Condes, Santiago, Chile, with a regional office in Lima, Peru. The company operates a unified payment infrastructure platform serving over 10,000 businesses across Chile and Peru, processing transactions in 135+ currencies and supporting locally dominant payment methods including Webpay, Yape, Mach, PLIN, Apple Pay, and Google Pay.

The platform's core technology stack is built around a RESTful API with SDKs and pre-built checkout components, organized into four primary product lines: Payments (card and digital wallet acceptance), Payouts (bulk bank transfers executed in seconds with real-time tracking), Subscriptions (recurring billing with smart retry logic and a card updater service), and Donations (customizable forms with one-click and recurring giving). Modular add-ons extend the surface into Payment Links, Payment Buttons, Marketplace tools for multi-vendor commission management, and direct API integration. The platform holds verified PCI DSS certification and SOC 2 Type 2 attestation published through Secureframe Trust.

Payku employs a hybrid go-to-market combining API-first developer integration, enterprise field sales via WhatsApp and Calendly scheduling, and product-led growth through no-code Payment Links and Payment Buttons. Revenue is generated through per-transaction fees (e.g., Webpay CLP 19.990, Apple Pay CLP 39.990 in Chile; Yape S/210, PLIN S/140 in Peru; marketplace payouts CLP 890.000), a $49/month Premium subscription plan offering unlimited transactions and priority support, marketplace commissions, and custom enterprise pricing. The company is a member of Fintechile (Chile) and the Peru Payments Association, and serves four primary use cases: e-commerce, marketplaces, subscription businesses, and nonprofits.

Name

Payku

Legal name

Payku

Website

https://payku.cl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Payku is a Chile-headquartered LATAM payment gateway serving 10,000+ e-commerce, marketplace, subscription, and nonprofit businesses across Chile and Peru, providing card acceptance, bulk payouts, recurring billing, and donations via RESTful API and no-code payment tools.

Ownership category

akta.pro rank

Product category

Payment Gateway and Processing

NAICS

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

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Marketplace & Platform Seller Payouts (FSAMAKAE), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment gateway
• Online payment processing
• LATAM payments
• Subscription billing
• Digital wallet payments

Headquarters

HQ city

Las Condes

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Per-transaction fees based on payment method and country. Credit/debit card processing in Chile starts at $15.500-$39.990 per transaction. Digital wallet payments (Yape, PLIN) at S/140-S/210 in Peru. Marketplace payouts at $890.000.
2. Subscription Plans: Premium subscription plan at $49/month offering unlimited transactions, priority customer support, custom payment pages, and advanced analytics.
3. Marketplace Commission: Marketplace solution with automatic commission management and vendor payment distribution.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Payku provides a unified payment gateway platform that enables businesses in Chile and Peru to accept payments via credit/debit cards, digital wallets (Webpay, Yape, Mach, PLIN), and local methods. The platform supports automated bulk payouts, recurring subscription billing, and donation collection, all managed through a single dashboard with RESTful API and SDK integration. PCI DSS and SOC 2 certified infrastructure underpins the offering for over 10,000 businesses across LATAM.

Product overview

Payku is a unified payment platform offering comprehensive payment solutions for e-commerce businesses across Latin America, specifically serving Chile and Peru. The platform centers on four core products: Payments for processing transactions across multiple payment methods, Payouts for automated money transfers, Subscriptions for recurring billing, and Donations for nonprofit collections. These core services are complemented by modular Payment Solutions including Payment Links, Payment Buttons, Marketplace tools, and a RESTful API. All services are managed through a single dashboard with PCI DSS and SOC 2 certifications.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Instant bank transfers executed in seconds for all payouts
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• FintechilecoreOthersPayku is a member of Fintechile, the Chilean Fintech business association. This membership provides industry credibility, networking opportunities with other fintech companies in Chile, and participation in shaping the Chilean fintech ecosystem.
• Peru Payments AssociationcoreOthersPayku is a member of the Peru Payments Association, positioning the company within Peru's payment industry ecosystem and providing regulatory engagement and industry collaboration opportunities.
• PCI Security Standards CouncilcoreTechnology or IntegrationPayku maintains PCI DSS (Payment Card Industry Data Security Standard) certification, verified through the PCI Security Standards Council. This certification ensures compliance with the highest security standards for processing credit and debit card transactions.
• AICPA (SOC 2)coreTechnology or IntegrationPayku has achieved SOC 2 (System and Organization Controls) certification, demonstrating compliance with security, availability, integrity, and confidentiality controls to protect customer payment data.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Kushki: LATAM-focused payment gateway operating across multiple Latin American countries including Chile and Peru. Directly comparable as a regional payment infrastructure provider with similar product breadth (gateway, subscriptions, payouts) and merchant segments.
• dLocal: Publicly listed LATAM payments processor enabling global merchants to accept local payment methods across emerging markets. Closely comparable in terms of LATAM focus, local payment method coverage, and merchant gateway services.
• Conekta: Mexico-headquartered online payment processor with LATAM ambitions. Comparable as a developer-first payment gateway with API-first GTM, supporting local payment methods and recurring billing.
• EBANX: LATAM-focused cross-border payments company offering local payment method acceptance and payouts. Directly comparable in merchant gateway services and regional payment method localization.
• Flow.cl: Chilean payment gateway provider offering similar services to Payku in Chile, including card processing, webpay integration, and merchant onboarding. A direct domestic competitor in the Chilean market.

Broad incumbents

• Mercado Pago: LATAM's largest digital payments platform, part of Mercado Libre. Operates payment gateway, wallet, and merchant credit services across the region, directly overlapping with Payku's e-commerce and marketplace use cases.
• Stripe: Global payments infrastructure leader offering payment gateway, subscriptions, and payouts via APIs. Competes with Payku in Chile and Peru for cross-border merchants, though with less depth in local LATAM payment methods.
• PayU: Global payment service provider with strong LATAM presence (including Chile, Peru, Brazil, Mexico). Comparable as a multi-product payment gateway with payouts, subscriptions, and merchant credit.

Regional players

• Clip: Mexico-focused payment solutions provider offering card acceptance and digital payments. Comparable in product offering and SMB/mid-market positioning, though primarily operating in Mexico rather than Chile/Peru.
• PagSeguro: Brazilian payment processor offering gateway, point-of-sale, and digital wallet services. Comparable as a regional payment platform, though primarily serving Brazil rather than Chile/Peru directly.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/paykucl
• LinkedInlinkedin.com/company/payku
• Instagraminstagram.com/payku.com
• TikToktiktok.com/@payku.com
• Facebookfacebook.com/paykucl

Compliance2 records

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 Payku