PlacetoPay

What PlacetoPay does

PlacetoPay is a Latin American payment gateway brand operated by Evertec Inc. (NYSE: EVTC), headquartered in Medellín, Colombia and founded in 1999. It provides digital payment acceptance infrastructure for merchants, fintechs, financial institutions, government entities, and pension funds across more than 22 countries spanning South America, Central America, the Caribbean, and North America. The platform supports credit cards, debit cards, prepaid cards, bank transfers, cash, digital wallets, and QR-based payments, and is maintained against annual PCI-DSS certification requirements.

The technical architecture is modular: a core gateway sits alongside proprietary components including Scudo (anomaly-based fraud prevention), 3D Secure authentication, Token Requestor (direct integration with major card networks), Virtual Terminal (POS-free card acceptance), and a Predictive business intelligence module that processes transactional data into commercial insights. Distribution is hybrid — API-first documentation for technical integration into merchant platforms is layered with no-code alternatives such as WhatsApp/email payment links and branded microsites for sellers lacking developer resources or webstores.

PlacetoPay operates two pricing tiers: an Aggregator model starting at 2.9% plus COP$700 per transaction (with a COP$2,300 minimum) for businesses delegating payment responsibilities, and a Gateway model starting from COP$250 plus VAT for enterprises with established acquirer relationships. Go-to-market blends self-serve developer onboarding with direct enterprise sales via contact forms requiring company and transaction volume details. Disclosed reference customers — Zema Financeira, TOYS, Qonta, and Coopealianza — illustrate use cases spanning payroll credit, retail, SMB commerce, and cooperative financial services.

Name

PlacetoPay

Legal name

PlacetoPay (Brand operated by Evertec Inc.)

Website

https://placetopay.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

PlacetoPay is a Latin American payment gateway brand operated by Evertec Inc., offering modular digital payment acceptance, fraud prevention, and analytics infrastructure for merchants, fintechs, financial institutions, government, and pension funds across 22+ countries.

Ownership category

akta.pro rank

Product category

Payment Gateway / Online Payment Processing

NAICS

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

SIC

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

akta.pro primary industry

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

akta.pro secondary industry

Payment Gateways & API Connectivity (FSAGABAB)

Keywords

• Payment gateway
• Online payment processing
• E-commerce checkout
• Fraud prevention
• Digital wallet payments

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees (Aggregator Model): Per-transaction fees charged to merchants using the aggregator model where PlacetoPay handles most e-commerce responsibilities. Fees calculated as percentage of sale value plus fixed fee. Starting at 2.9% plus $700 COP with minimum of $2,300 COP per transaction
2. Gateway Processing Fees: Transactional fees for enterprises with existing financial history and card acceptance infrastructure. Includes transactional packages varying by volume, starting from $250 plus VAT. Allows direct bank negotiation for acquiring rates

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

PlacetoPay is a payment gateway that operates as a virtual dataphone, enabling merchants to accept online payments and collect invoices across multiple channels and devices. The platform supports credit cards, debit cards, prepaid cards, bank transfers, cash, digital wallets, and QR codes, delivered through two commercial models (Aggregator and Gateway). It serves e-commerce merchants, fintechs, financial institutions, government entities, pension funds, and subscription-based businesses across Latin America.

Product overview

PlacetoPay is a comprehensive payment gateway platform operated by Evertec, offering a modular portfolio of payment solutions. The core Pasarela de pagos (Payment Gateway) serves as the central platform enabling merchants to accept digital payments across all channels and devices. Supporting modules include the Billetera digital (Digital Wallet) for stored payment methods, Web checkout for e-commerce integration, Link de pago and Micrositios for sales without websites, Pago por código QR for contactless payments, Pagos mixtos for combined payment methods, and Pagos recurrentes and Preautorización for subscription and reservation workflows. Additional value-added services include Dashboards and Reportes for transaction analytics, Token Requestor for secure card tokenization, and Reembolsos for refund management. The Predictive module provides business intelligence and data analytics, while Scudo delivers fraud prevention through anomaly detection. The platform supports two pricing models: the Agregador model for businesses delegating payment processing responsibilities, and the Gateway model for enterprises with established financial history negotiating directly with banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Pasarela de pagos (Payment Gateway) Core payment gateway enabling merchants to accept digital payments across all channels and devices, supporting credit cards, debit cards, prepaid cards, bank transfers, cash, digital wallets, and QR codes via Aggregator and Gateway commercial models.
• Web Checkout Complete e-commerce checkout offering that improves conversion, recovers abandoned carts, accepts one-click payments from social media, and supports QR-code payments at physical stores, with API integration and anti-fraud security.
• Link de pago (Payment Link) Payment link service for growing businesses or decentralized sales operations, enabling payment collection via WhatsApp, email, or social networks without requiring a website.
• Micrositios (Microsites) Branded microsite creator letting businesses sell online immediately without a structured virtual store, with control over how customer payment data is entered.
• Terminal Virtual (Virtual Terminal) Web-based virtual terminal enabling electronic payment collection and invoice management without physical POS terminals, supporting debit, credit, and ACH payments with multi-factor authentication, real-time balance queries, and immediate authorization, tied to financial institutions such as Banco Popular, FirstBank, and Oriental Bank.
• Scudo Advanced fraud prevention engine integrating historical data with external sources to materially reduce chargeback risk and transaction fraud across payment processing.
• Token Requestor Tokenization service that replaces sensitive card data with secure tokens for digital transactions, with direct integration to major card brands for digital commerce use cases.
• Predictive Business intelligence and data analytics module that consolidates strategic information into a single platform, converting transactional data into actionable insights for commercial, marketing, and strategic decision-making.
• Pago por código QR (QR Code Payment) Contactless QR-code payment solution enabling fast, secure, and transparent point-of-sale transactions for merchants and consumers.
• Billetera digital (Digital Wallet) Digital wallet capability that lets end-users store payment data for faster and more secure checkout experiences across PlacetoPay-accepting merchants.
• Pagos recurrentes (Recurring Payments) Automated recurring payment collection for subscriptions, memberships, or continuous services, with configurable billing cycles (daily, bi-weekly, monthly) to deliver predictable revenue.

Quantifiable outcome

• Reduce chargeback risk and transaction fraud through Scudo advanced prevention engine
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature10 records

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Direct peers

• Kushki: Latin American payment platform founded in Ecuador with strong presence in Colombia, Chile, Peru, and Mexico. Offers payment gateway, orchestration, and digital banking services overlapping directly with PlacetoPay's offering.
• dLocal: Uruguay-headquartered cross-border payment processor specializing in emerging markets including Latin America. Directly competes with PlacetoPay in enabling merchants to accept local payment methods across LatAm.
• EBANX: Brazil-based cross-border payments company serving merchants across Latin America with local payment method processing. Directly comparable to PlacetoPay's gateway model serving merchants across LatAm.
• PayU: Global payment gateway operator owned by Prosus with deep Latin American operations. Provides merchant payment processing, gateway, and acquiring services competing directly with PlacetoPay across multiple LatAm markets.

Broad incumbents

• Stripe: Global payment infrastructure platform expanding aggressively into Latin America. Competes with PlacetoPay for cross-border merchants and offers developer-first gateway, fraud, and billing services at global scale.
• Mercado Pago: Payment arm of MercadoLibre, dominant in Argentina, Brazil, and Mexico. Offers online checkout, POS, and QR payments; broader than PlacetoPay but overlaps significantly in LatAm e-commerce payment acceptance.
• Adyen: Global payment platform serving enterprise merchants with unified online and in-person payment processing. Increasingly competing with PlacetoPay for large LatAm enterprise deals.

Regional players

• Clip: Mexico-focused payment solutions provider offering POS and payment acceptance to SMBs. Comparable to PlacetoPay in serving LatAm merchants with multi-method acceptance but focused on Mexican in-person and online.
• PagSeguro: Brazilian payment processor offering acquiring, gateway, and POS solutions. Comparable to PlacetoPay in gateway and payment acceptance but primarily focused on the Brazilian market.
• Conekta: Mexico-based payment gateway serving Mexican and selected LatAm merchants. Offers similar API-first payment processing, fraud prevention, and multiple payment methods as PlacetoPay.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/PlacetoPay
• YouTubeyoutube.com/@Evertecinc
• Facebookfacebook.com/PlacetoPay
• LinkedInlinkedin.com/company/place-to-pay
• Instagraminstagram.com/evertec.inc/?hl=es-la

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 PlacetoPay