Recurrente
Recurrente is a Guatemala-based payment gateway serving 200,000+ SMBs and select enterprises across Central America with card processing, POS hardware, Tap-to-Pay mobile acceptance, subscription billing, stablecoin acceptance, and virtual bank accounts via an API-first platform on a per-transaction commission.
- Company typePrivate
- Founded2021
- HeadquartersGuatemala City, Guatemala
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Recurrente does
Recurrente is a Guatemala-based payment infrastructure platform operating as a unified payment gateway for small and medium-sized businesses and select enterprise customers in Guatemala and Central America. The company processes over Q500M (quetzales) annually across 200,000+ merchants and offers a suite of products including a core card-payment gateway (4.5% commission, 4.02% plus IVA), POS Pro hardware terminals, a Tap-to-Pay mobile POS app (Celular como POS), hosted payment links, an integrated e-commerce store builder, and a subscription/recurring-billing engine. The platform also supports bank transfers, USDC and USDT stablecoin acceptance, international collection from US platforms (PayPal, Wise, ACH), and as of 2025, virtual bank accounts denominated in both GTQ and USD.
The underlying technology is a cloud-based, RESTful API platform with JSON responses, X-SECRET-KEY authentication, sandbox test environments, and Svix-signed webhooks for real-time event notifications. Specialized APIs include Terminal Sessions for ERP/POS integration and a Stablecoin Swaps API for on-chain USDC/USDT/USAT/PYX/XAUT transfers. Distribution is layered across direct self-serve onboarding (web and mobile apps), an official WooCommerce plugin, partner-led Shopify and Odoo integrations, and a native Zapier connector, with a Discord developer community supporting API adoption. The platform is PCI-certified and combines automated anti-fraud engines with manual review.
Recurrente's commercial model is a pure pay-per-transaction take rate with no monthly subscription, setup, or integration fees; additional revenue comes from POS hardware sales, international payment processing, and currency conversion including fiat-to-stablecoin swaps. The company pursues a product-led, self-serve go-to-market targeting Guatemalan and Central American SMBs (including restaurants, hotels, gyms, retail, and freelancers) while also serving larger customers such as Hertz Guatemala and Grupo Cayalá. Founded in 2021 and operating with a 1–10-person team per the firmographic record, Recurrente is privately held under the legal name SOLUCIONES EN TECNOLOGÍA, SOCIEDAD ANÓNIMA, has not disclosed any external funding rounds, and monetizes primarily through its 4.5% effective card-processing commission.
Recurrente firmographics
Firmographics- Name
- Recurrente
- Legal name
- SOLUCIONES EN TECNOLOGÍA, SOCIEDAD ANÓNIMA
- Website
- https://recurrente.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Recurrente is a Guatemala-based payment gateway serving 200,000+ SMBs and select enterprises across Central America with card processing, POS hardware, Tap-to-Pay mobile acceptance, subscription billing, stablecoin acceptance, and virtual bank accounts via an API-first platform on a per-transaction commission.
- Ownership category
- akta.pro rank
Recurrente industry classification
Industry- Product category
- Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)
- SIC
- Finance Services (6199), Services-Computer Programming, Data Processing, Etc. (7370), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
- akta.pro secondary industries
- POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
Keywords
Where Recurrente is headquartered
LocationHeadquarters
- HQ city
- Guatemala City
- HQ country
- Guatemala
- HQ region
- Latin America
Offices1 record
Markets served
Recurrente business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain, Others
Revenue model
- Payment Processing Commission: Recurrente charges a commission on every card transaction processed through its platform. The standard rate is 4.5% commission for cards (4.02% plus VAT). This is the primary revenue stream, operating on a pay-per-transaction model with no monthly subscription fees or setup costs.
- POS Hardware Sales: Sale of POS Pro hardware devices - modern point-of-sale terminals with built-in printers for merchants requiring physical card acceptance terminals.
- International Payment Processing: Fees associated with processing international payments from platforms like PayPal and Wise, as well as stablecoin transactions (USD₮ and USDC).
- Currency Conversion Services: Revenue generated from currency conversions between GTQ and USD, and from fiat to stablecoins (USDC, USDT) including blockchain network fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Card Payment Processing: 4.5% commission (4.02% plus IVA) |
| Unit Pricing | Pay-as-you-go | POS Pro Hardware |
| Other | Multi-year contract | Custom Enterprise Plans |
Go-to-market motion2 records
Distribution channels10 records
Marketing channels7 records
Recurrente product offering
Product offeringCore offering
Recurrente is a payment infrastructure platform that processes credit/debit card transactions for merchants in Guatemala and Central America, charging a 4.5% (4.02% + VAT) per-transaction commission with no monthly or setup fees and 24-hour bank settlement. The platform also includes a POS Pro hardware terminal, a smartphone-based mobile POS (Tap to Pay), hosted payment links, an online store builder, recurring billing/subscriptions, stablecoin (USDT/USDC) acceptance, US payment collection (PayPal/Wise/ACH), and virtual bank accounts in Guatemala and the United States. The same infrastructure is exposed via REST API, webhooks, WooCommerce plugin, Zapier, and partner-led Shopify and Odoo integrations for technical and e-commerce merchants.
Product overview
Recurrente is a payment infrastructure platform for Guatemala and Central America offering a unified portfolio of products: the core Payment Gateway (Pasarela de Pagos) for card processing, complemented by hardware (POS Pro) and software (Celular como POS) point-of-sale solutions, hosted checkout (Links de Pago), e-commerce store builder (Tienda en Línea), recurring billing (Suscripciones), cryptocurrency support (Dólares Digitales with USDT/USDC), US payment collection (Pagos de Estados Unidos via PayPal/Wise/ACH), and Virtual Accounts for local/US banking. The developer-facing offerings include a RESTful API and Terminal Sessions API for custom integrations, plus Zapier connectivity for no-code automation. The platform processes Q500M+ annually with 4.5% card commission (4.02% + IVA) and 24-hour bank withdrawals.
Differentiator
Problem solved
Functional benefit
Products and services
- Pasarela de Pagos (Payment Gateway) Core online and in-person payment gateway processing Visa and Mastercard (national and international) at 4.5% commission (4.02% + VAT) with no monthly fees, no setup costs, no integration fees, and 24-hour fund settlement to Guatemalan merchant bank accounts. Serves 200,000+ SMBs and mid-market merchants in Guatemala and Central America.
- POS Pro Modern point-of-sale hardware terminal with an integrated printer that accepts in-person credit and debit card payments at retail locations; designed as a dedicated, all-in-one card acceptance device for Guatemalan merchants.
- Celular como POS Mobile application that converts any NFC-enabled smartphone into a contactless (Tap to Pay) card acceptance terminal, eliminating the need for dedicated POS hardware; available as a free download on iOS App Store and Google Play.
- Links de Pago (Payment Links) Hosted, shareable URLs that enable merchants to accept credit and debit card payments (national and international) online, supporting both one-time and recurring charges; intended for SMBs that want to collect cards via WhatsApp, email, SMS, or social media without a full website.
- Tienda en Línea (Online Store) Integrated e-commerce storefront builder that allows merchants to create products, manage inventory, and process online sales with built-in Recurrente card acceptance, designed for SMBs that need a quick-to-launch online presence.
- Suscripciones (Subscriptions) Automated recurring billing engine that schedules and charges customer cards on configurable monthly cycles, with proration, deferral, and webhook-based lifecycle notifications; aimed at gyms, academies, schools, SaaS companies, and any merchant running subscription-based models.
- Dólares Digitales (Stablecoin Acceptance) Stablecoin payment acceptance and treasury feature that lets merchants buy, sell, and receive USDT (USD₮) and USDC payments with on-chain settlement across multiple blockchain networks; serves crypto-accepting merchants and stablecoin treasuries needing a GTQ on/off ramp.
- Pagos de Estados Unidos (US Payment Collection) International payment collection product that lets Guatemalan merchants receive funds from US-based platforms and clients via PayPal, Wise, and ACH transfers, providing a legal USD reception mechanism inside Guatemala.
- Cuentas Virtuales (Virtual Bank Accounts in Guatemala and USA) Virtual bank accounts issued in both Guatemala (GTQ) and the United States (USD) that allow merchants to send and receive transfers using their own banking details, enabling local settlement, international payouts, and treasury management from a single dashboard.
- Recurrente API RESTful developer API that enables integrators to create checkout sessions, manage products and customers, process subscriptions, issue refunds, perform account-to-account transfers, and consume real-time webhook events; supports a sandbox environment with test keys and the test card 4242 4242 4242 4242.
- Terminal Sessions API Integration API that lets ERP, POS, or backend systems send payment commands to physical Recurrente terminals via API, with terminals automatically displaying the payment screen and processing cards; confirmation is delivered through webhooks using external_id matching for order reconciliation.
- Cuentas Abiertas (Open Accounts / Tabs) Open-account / tab system that lets venues such as restaurants, hotels, and tour operators tokenize a customer card at the start of a visit, add items progressively, and charge the final total to the saved card or a payment link at the time of closing.
Quantifiable outcome
- 24-hour fund withdrawal to merchant bank accounts
- +4 more outcomes
Companies that use Recurrente
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles7 records
Recurrente technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature7 records
Recurrente partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Antigua G.F.C.coreRecurrente is the Official Sponsor (Patrocinador Oficial) of Antigua G.F.C., one of the prominent football clubs in Guatemala's professional league. The sponsorship includes visibility at the stadium (visible in goalkeeper imagery on the website), brand placement, and cross-promotional activities. This represents a significant sports marketing investment to build brand awareness and local brand affinity in Guatemala.
Scale indicators5 records
Recent moves11 records
Expansion highlights6 records
Recurrente competitors and assessment
Company assessmentBroad incumbents
- dLocal: Cross-border payment processor serving global merchants entering emerging markets including LATAM, with strong acquiring and payout rails — a broader incumbent whose Central American footprint overlaps Recurrente's ambitions.
- Stripe: Global payment platform increasingly localizing in LATAM with developer-first APIs, subscriptions, and a broad ecosystem — the dominant incumbent Recurrente must compete against or partner with as it scales.
- Mercado Pago: Massive LATAM payment and credit platform with QR, POS, and online acquiring — a top-of-mind incumbent for SMBs across the region, with growing Central American presence.
Direct peers
- Conekta: Mexican payment gateway offering card acquiring, OXXO, SPEI, and installments via API and plugins; competes head-on with Recurrente on the regional SMB payment-acceptance thesis, though at larger scale in Mexico.
- Clip: Mexican mobile POS and payment acceptance provider targeting SMBs with similar product surface (mobile POS, links, recurring billing) — directly comparable business model in a neighboring LATAM market.
- Kushki: Latin American payment infrastructure platform spanning multiple countries with APIs for online and in-person payments, subscriptions, and bank transfers — the closest geographic-adjacent peer to Recurrente in scope and product mix.
- Wompi: Bancolombia's payment gateway serving Colombian SMBs and developers with APIs, plugins, and POS — comparable gateway-plus-ecosystem play in an adjacent LATAM market.
- Bold (Colombia): Colombian payment gateway and POS provider targeting SMBs with card acceptance, links, and datáfono hardware — highly comparable model and product set to Recurrente, just one country over.
Emerging players
- Bitso: Leading LATAM crypto exchange with stablecoin on/off-ramps and merchant payment pilots — relevant peer on the stablecoin acceptance and cross-border LATAM crypto-fiat bridge dimensions of Recurrente's product.
Regional players
- Paguelo Facil: Central American payment gateway operating across Panama and other CA markets with card acceptance and installments — a regional comparison point for cross-border CA ambitions from Recurrente's base in Guatemala.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Recurrente social profiles
Digital presenceRecurrente compliance and trust
Trust signalCompliance1 record
Recurrente financial estimates
Financial estimateRevenue estimate
Valuation estimate
Recurrente leadership team
Management profileNumber of profiles
Profiles1 record
Recurrente funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Recurrente 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 Recurrente
What does Recurrente do?
Recurrente is a payment infrastructure platform that processes credit/debit card transactions for merchants in Guatemala and Central America, charging a 4.5% (4.02% + VAT) per-transaction commission with no monthly or setup fees and 24-hour bank settlement. The platform also includes a POS Pro hardware terminal, a smartphone-based mobile POS (Tap to Pay), hosted payment links, an online store builder, recurring billing/subscriptions, stablecoin (USDT/USDC) acceptance, US payment collection (PayPal/Wise/ACH), and virtual bank accounts in Guatemala and the United States. The same infrastructure is exposed via REST API, webhooks, WooCommerce plugin, Zapier, and partner-led Shopify and Odoo integrations for technical and e-commerce merchants.
Is Recurrente a public or private company?
Recurrente is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Recurrente founded?
Recurrente was founded in 2021. It employs 1 to 10 people.
Where is Recurrente based?
Recurrente is headquartered in Guatemala City, Guatemala, in the Latin America region.
How does Recurrente make money?
Four revenue lines are on record. Payment Processing Commission is the primary driver. The others are POS Hardware Sales, international Payment Processing and currency Conversion Services.
Who are Recurrente's main competitors?
Broad incumbents on record are dLocal, Stripe and Mercado Pago. Direct peers are Conekta, Clip, Kushki, Wompi and Bold (Colombia). Bitso is listed as an emerging player. Paguelo Facil is listed as a regional player.
Does Recurrente have an API?
Yes. Recurrente offers a RESTful API that enables developers to create checkout sessions, manage products, subscriptions, and customers, process refunds, handle transfers between Recurrente accounts, and receive real-time webhook notifications for events. The API uses JSON format with X-SECRET-KEY authentication. It provides sandbox/test environment with test API keys and a test card (4242 4242 4242 4242). API Base URL: https://app.recurrente.com/api Developer documentation is at docs.recurrente.com.
What industry is Recurrente in?
Recurrente's product category is Payment Gateway. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure, with a secondary code of FSADAIAI, POS, QR & In-Person Acceptance Infrastructure (Crypto). Its NAICS code is 522320 and its SIC code is 6199.