Paguelo Facil S.A.
Paguelo Facil S.A. is a Panamanian payment gateway founded in 2010 that provides REST APIs, SDKs, and 12+ e-commerce platform plugins to enable online merchants in Panama and Latin America to accept MasterCard, Visa, and cash (via Punto Pago kiosks) payments on a per-transaction fee basis.
- Company typePrivate
- Founded2010
- HeadquartersPanama City, Panama
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Paguelo Facil S.A. does
Paguelo Facil S.A. is a Panama-incorporated (Sociedad Anónima) payment processing company founded in 2010, headquartered in Panama City, that operates an internet payment gateway primarily for online merchants in Panama and Latin America. Its product stack consists of a REST API, client-side SDKs (Android, iOS, Web/JavaScript), server-side libraries (Java, .NET, Node.js, PHP, Python, Ruby), and native plugins for twelve e-commerce platforms (Shopify, WooCommerce, Magento, PrestaShop, VTEX, Wix, Odoo, OpenCart, Ecwid, VirtueMart, WHMCS). The platform processes MasterCard and Visa credit card transactions in USD, with a minimum transaction of $1.00 for standard payments and $5.00 for PagoCash, a cash-payment service routed through the Punto Pago physical kiosk network that allows merchants to accept payments from unbanked customers.
The company's feature set covers the full authorization lifecycle — pre-authorization, capture, sale, reversal, and refund — plus card tokenization for recurring billing, transaction-query APIs with aggregation operators, and webhook notifications. Integration documentation and a sandbox environment are published at developers.paguelofacil.com. The business model is purely transaction-fee based with no disclosed subscription, SaaS, or fixed monthly fees, and pricing is not publicly disclosed beyond the minimum-amount thresholds. The go-to-market is API-first and developer-led: merchants are acquired either through direct API integration for enterprise and ISV use cases, or through self-serve plugin installation for SMB e-commerce merchants on supported storefronts.
Customer concentration is undisclosed and appears distributed across the long tail of SMB merchants. The company has 11-50 employees, no disclosed funding, no disclosed revenue, and no public listing. Ownership is not stated in available materials. Distribution is concentrated in Panama, with API access theoretically global but no evidence of material cross-border merchant acquisition.
Paguelo Facil S.A. firmographics
Firmographics- Name
- Paguelo Facil S.A.
- Legal name
- Paguelo Facil S.A.
- Website
- https://paguelofacil.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Paguelo Facil S.A. is a Panamanian payment gateway founded in 2010 that provides REST APIs, SDKs, and 12+ e-commerce platform plugins to enable online merchants in Panama and Latin America to accept MasterCard, Visa, and cash (via Punto Pago kiosks) payments on a per-transaction fee basis.
- Ownership category
- akta.pro rank
Paguelo Facil S.A. industry classification
Industry- Product category
- Payment Processing / Online Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industry
- PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)
Keywords
Where Paguelo Facil S.A. is headquartered
LocationHeadquarters
- HQ city
- Panama City
- HQ country
- Panama
- HQ region
- Latin America
Offices1 record
Markets served
Paguelo Facil S.A. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Infrastructure, Personnel, Marketing or Sales
Revenue model
- Transaction Processing Fees: PagueloFacil charges merchants transaction fees for processing credit card payments (MasterCard, Visa) and PagoCash cash payments. The company operates on a per-transaction fee model with no upfront subscription costs mentioned.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard merchant processing with per-transaction fees |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels2 records
Paguelo Facil S.A. product offering
Product offeringCore offering
Paguelo Facil S.A. operates an internet payment infrastructure platform that enables merchants to accept online payments via credit cards (MasterCard and Visa) and cash through the Punto Pago kiosk network. It offers multiple integration paths — REST APIs with server-side libraries, client-side SDKs for web and mobile, offsite Payment Link redirects, and native plugins for major e-commerce platforms. The platform supports the full transaction lifecycle including pre-authorization, capture, sale, tokenization for recurring billing, reversal, refunds, and webhook notifications.
Product overview
PagueloFacil S.A. is a payment processing company offering a unified payment platform with multiple integration methods: Enlace de Pago (Payment Link) for offsite checkout redirects, PagueloFacil App SDK for client-side embedded payments on web and mobile, PagoCash for cash payments via Punto Pago kiosks, REST API services for server-side integration (Java, .NET, Node.js, PHP, Python, Ruby), and native e-commerce plugins for WooCommerce, Shopify, Magento, PrestaShop, and other platforms. The platform supports MasterCard and Visa transactions with pre-authorization, capture, sale, reversal, and refund capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Enlace de Pago (Payment Link) Offsite payment solution where customers are redirected from the merchant site to PagueloFacil's secure checkout to complete transactions via a generated single-use URL. Also referred to as a payment button or offsite checkout, it supports all payment methods available on PagueloFacil.
- PagueloFacil App SDK (JavaScript) Client-side SDK for Android, iOS, and Web that invokes PagueloFacil payment services within the merchant's site so users never leave the merchant's checkout. Handles all screen responses and supports authenticated users; minimum transaction $1.00 USD.
- PagoCash Cash payment service that lets customers without credit cards pay for online purchases at Punto Pago kiosks. Payment is automatically reflected in the merchant's PagueloFacil account. Minimum transaction $5.00 USD.
- Merchant Transactions API REST API for querying merchant transactions by operation code (codOper) or date range, with filtering, conditional queries, pagination, sorting, and field operators (COUNT, SUM, MAX, MIN, AVG, DISTINCT).
- PagueloFacil E-commerce Plugins Native payment gateway integrations for major e-commerce platforms including WooCommerce, Shopify, Magento, PrestaShop, OpenCart, Ecwid, Odoo, VirtueMart, VTEX, WHMCS, and Wix, allowing merchants to accept PagueloFacil payments without custom development.
Companies that use Paguelo Facil S.A.
Customer profileSegments2 records
Ideal customer profiles2 records
Paguelo Facil S.A. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature6 records
Paguelo Facil S.A. partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Punto PagocorePunto Pago operates the kiosk network used for PagoCash service, allowing PagueloFacil merchants to accept cash payments from customers without credit cards. Customers pay at Punto Pago kiosks and funds are automatically reflected in merchant PagueloFacil accounts.
- VTEXcoreIntegration with VTEX e-commerce platform allowing merchants to accept payments via PagueloFacil. Supports both onsite (Visa/MasterCard) and offsite (all payment methods) checkout modes.
- WixcoreWix-developed integration for PagueloFacil payment processing on Wix e-commerce sites. Configured through Wix payment methods administrator using CCLW credentials.
- ShopifycoreOfficial integration allowing Shopify merchants to accept payments through PagueloFacil payment gateway.
- WooCommercecoreWordPress/WooCommerce plugin integration for PagueloFacil payment processing on WooCommerce stores.
- MagentocoreIntegration with Magento e-commerce platform for PagueloFacil payment processing.
- PrestashopcoreIntegration with Prestashop e-commerce platform for PagueloFacil payment processing.
Scale indicators1 record
Recent moves1 record
Expansion highlights4 records
Paguelo Facil S.A. competitors and assessment
Company assessmentDirect peers
- Kushki: LatAm-focused payment gateway offering APIs, multiple local payment methods, and e-commerce platform integrations. Highly comparable in business model and target merchant base, though operating at significantly larger scale across multiple countries.
- Conekta: Mexico-based payment gateway with developer-first APIs, e-commerce plugins, and support for cards and alternative payment methods. Directly comparable as a regional, API-first gateway serving SMB and mid-market merchants.
- dLocal: Cross-border payment platform connecting global merchants to emerging markets including LatAm. Comparable in API-first approach and emerging-market focus, but operates at a much larger scale and broader country footprint.
- EBANX: LatAm-focused payments company offering local payment methods, card processing, and merchant-of-record services. Comparable in targeting LatAm merchants and supporting alternative payment methods alongside cards.
- PayU LatAm: Global payment gateway with strong LatAm presence, offering card processing, alternative payment methods, and e-commerce platform integrations. Comparable in product breadth and merchant target, though substantially larger.
Broad incumbents
- MercadoPago: Dominant LatAm payment gateway attached to MercadoLibre's commerce ecosystem, with broad payment method coverage and a checkout product. Comparable as a card-plus-alternative gateway, but embedded within a much larger marketplace and consumer finance business.
- Stripe: Global developer-first payment gateway with extensive API/SDK coverage and a broad ecosystem of integrations. Comparable in API-first, developer-focused approach, but operates at vastly greater scale and feature breadth.
- Adyen: Global unified payments platform offering card acquiring, alternative payment methods, and developer APIs. Comparable in offering a multi-method gateway with API integrations, but serves enterprise merchants globally.
Regional players
- PagSeguro: Brazil-focused payment gateway and acquirer with cards, Boleto, and Pix support. Comparable in product structure (cards + alternative methods + plugins) but primarily serves Brazil rather than Central America.
- Clip: Mexico-based payment processor offering card acceptance, developer APIs, and SMB tools. Comparable in targeting SMB merchants with simplified integration, though historically more POS-heavy than pure online.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Paguelo Facil S.A. social profiles
Digital presencePaguelo Facil S.A. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paguelo Facil S.A. leadership team
Management profileNumber of profiles
Paguelo Facil S.A. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paguelo Facil S.A. 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 Paguelo Facil S.A.
What does Paguelo Facil S.A. do?
Paguelo Facil S.A. operates an internet payment infrastructure platform that enables merchants to accept online payments via credit cards (MasterCard and Visa) and cash through the Punto Pago kiosk network. It offers multiple integration paths — REST APIs with server-side libraries, client-side SDKs for web and mobile, offsite Payment Link redirects, and native plugins for major e-commerce platforms. The platform supports the full transaction lifecycle including pre-authorization, capture, sale, tokenization for recurring billing, reversal, refunds, and webhook notifications.
Is Paguelo Facil S.A. a public or private company?
Paguelo Facil S.A. is a private company. It is classified as unknown and is currently operating.
When was Paguelo Facil S.A. founded?
Paguelo Facil S.A. was founded in 2010. It employs 11 to 50 people.
Where is Paguelo Facil S.A. based?
Paguelo Facil S.A. is headquartered in Panama City, Panama, in the Latin America region.
How does Paguelo Facil S.A. make money?
One revenue line is on record: transaction Processing Fees.
Who are Paguelo Facil S.A.'s main competitors?
Direct peers on record are Kushki, Conekta, dLocal, EBANX and PayU LatAm. Broad incumbents are MercadoPago, Stripe and Adyen. Regional players are PagSeguro and Clip.
Does Paguelo Facil S.A. have an API?
Yes. PagueloFacil offers REST API services for payment processing, including client-side SDK for Android, iOS, and Web/JavaScript, and server-side integration for Java, .NET, Node.js, PHP, Python, and Ruby. Supports pre-authorization, capture, sale transactions, reversals, refunds, and tokenization for recurring payments. Minimum transaction amount is $1.00 (SDK) or $5.00 (PagoCash), with USD as the only allowed currency. Sandbox environment available at https://sandbox.paguelofacil.com/ and production at https://secure.paguelofacil.com/ and https://api.pfserver.net/. Developer documentation is at developers.paguelofacil.com/api.
What industry is Paguelo Facil S.A. in?
Paguelo Facil S.A.'s product category is Payment Processing / Online Payment Gateway. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMACAK, PSP Aggregators / PayFac Enablement (Gateway Layer). Its NAICS code is 522320.