Pagadito

What Pagadito does

Pagadito is an online payment gateway providing omnichannel payment acceptance to merchants across Central America, the Caribbean, and select Americas markets. Founded in 2010 and operating as Hong Kong-domiciled Pagadito Limited, the company serves over 10,000 affiliated merchants across 13+ countries including Guatemala, El Salvador, Honduras, Nicaragua, Costa Rica, Panama, Dominican Republic, Mexico, Belize, Sint Maarten, Guyana, Suriname, and the United States. Pagadito positions itself as the first and only non-bank payment solution in Central America and holds PCI-DSS Level 1 certification along with VeriSign Extended Certification for cardholder data security.

The platform's product suite spans ten core offerings designed for SMB and developer adoption: Pagalink (custom payment links shared via messaging and social apps), Payment Button, Email Payment, QR Code, MPOS card-present hardware, Recurring Payments, IVR-SMS call-center collections, Tokenization (encrypted card-on-file storage), Mass Payouts for B2B2C disbursements, and Flexilink for adding payment links/QR to digital documents and bots. Underlying the stack are WSPG (WSDL-based web service) and APIPG REST APIs with Java and PHP SDKs, shopping cart plugins, webhooks for real-time events, and a sandbox testing environment at dev.pagadito.com. The platform accepts Visa and Mastercard card payments from 40–60 countries globally and supports cryptocurrencies, with payments denominated in USD despite multi-country operations.

Pagadito's revenue model combines a one-time US$1 account activation fee for both individual and legal entity merchants with per-transaction processing fees on payment volume. Distribution is product-led via a self-serve website registration flow and developer portal, and customer segments span SMBs, membership-based businesses (schools, gyms, professional organizations), e-commerce platforms, social sellers, gig-economy and marketplace operators, government entities using the NPE (Número de Pago Electrónico) system for tax and traffic-fine collection, and B2B2C associate-style businesses. The business appears bootstrapped under The Pagadito Group with no external funding rounds disclosed and a reported 1–10 employee footprint, suggesting a capital-light operating model that relies on partners such as Visa, Mastercard, VeriSign, and the PCI Security Standards Council for compliance infrastructure.

Name

Pagadito

Legal name

Pagadito Limited

Website

https://pagadito.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Pagadito is an online payment gateway serving 10,000+ merchants across 13+ countries in Central America, the Caribbean, and the Americas. Founded in 2010, it provides omnichannel payment acceptance via payment links, QR, MPOS, APIs, and government tax processing on PCI-DSS Level 1 infrastructure.

Ownership category

akta.pro rank

Product category

Online Payment Gateway

NAICS

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

akta.pro primary industry

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

akta.pro secondary industries

POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), PSP Aggregators / PayFac Enablement (Gateway Layer) (FSAMACAK)

Keywords

• Online payment gateway
• Payment processing
• Payment links
• Merchant services
• Digital payments

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Membership/Subscription Fee: One-time account validation and activation fee of $1.00 for both individuals and legal entities. Membership includes all solutions for USD 1.00.
2. Transaction Processing Fees: Fees charged on payment transactions processed through the platform. Specific rates published on website.
3. Transfer Fees: Fees for money transfers between Pagadito Wallet accounts and withdrawals to bank accounts. Rates published on website.
4. Government Payment Processing: Processing fees for NPE (Numero de Pago Electronico) payments for taxes and traffic fines, with additional platform usage costs.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Pagadito operates an online payment gateway platform that enables merchants across Central America, the Caribbean and other regions to accept omnichannel card and alternative payments. Its suite includes Pagalink payment links, Payment Buttons, Email Payments, QR Code payments, MPOS terminals, Recurring Payments, Tokenization, Mass Payouts, Flexilink, and an NPE system for government tax and fine collections, all backed by APIs, webhooks and a developer sandbox.

Product overview

Pagadito is an online payment gateway and omnichannel payment solutions platform operating across Central America, the Caribbean, and select South American markets. The platform offers a comprehensive suite of payment products including Pagalink (custom payment links), Payment Button, Email Payment, QR Code, MPOS, Recurring Payments, IVR-SMS, Tokenization, Mass Payouts, and Flexilink. These solutions enable merchants to accept payments via websites, mobile apps, social networks, email, QR codes, and card-present terminals. The platform supports Visa and MasterCard card payments along with cryptocurrency options. Pagadito also provides developer tools including WSPG and APIPG web services, Webhooks, and a SandBox testing environment for integration. Additional services include NPE for government tax payments and enterprise-level reporting.

Differentiator

Problem solved

Functional benefit

Brands

• Pagalink: Payment link solution for sending via messages and social networks
• Payment Button
• Email Payment
• QR Code
• MPOS
• Recurring Payments
• IVR-SMS
• Tokenization
• Mass Payouts
• Flexilink
• Pagadito Developers
• SandBox

Products and services

• Pagalink Custom payment link generator that lets merchants collect card payments by sending personalized links via WhatsApp, messages, email or social networks, enabling sales without needing a website.
• Payment Button Embeddable payment button for merchant websites and mobile applications that enables quick card payment acceptance at checkout.
• Email Payment Solution that turns emails into a sales channel with embedded payment collection, targeted at membership-based businesses such as schools, gyms and professional organizations.
• QR Code Payments Flexible QR code payment solution that can be printed, displayed on a phone screen or scanned by customers to drive in-person and remote sales.
• MPOS Card-present point-of-sale terminals and equipment for merchants needing to accept in-person card payments at retail and physical locations.
• Recurring Payments Automated scheduled billing for memberships, subscriptions and payment plans that collects from customers on a recurring basis.
• IVR-SMS Interactive voice response and SMS-based payment collection solution designed for call centers to capture card payments over the phone.
• Tokenization Card-on-file tokenization service with full encryption that supports recurring payments, pay-as-you-go, gig-economy apps and marketplaces.
• Mass Payouts B2B2C payout solution that distributes funds to many recipients in a single flow, designed for associate-style businesses, gig-economy apps and marketplaces.
• Flexilink Unified payment link that can be embedded in bots, invoices, quotes and digital documents, adding QR codes or Pagalinks to close sales and collect payment on one screen.
• NPE (Número de Pago Electrónico) Electronic payment number service that lets citizens pay taxes (IVA, income tax, specific taxes) and traffic fines to government entities such as the Ministry of Hacienda and Sertracen.
• Pagadito Sandbox Simulated testing environment where developers can practice and test Pagadito integrations without using real transactions or linking real payment cards.
• WSPG (Web Service Pagadito) Web service API with WSDL support that lets developers integrate Pagadito payment processing into merchant applications using connection credentials.
• APIPG Pagadito API offering additional functions for payment integration, with releases and documentation supporting Java and PHP implementations.
• Pagadito Webhooks Event-driven notification system that delivers real-time transaction status updates to merchant systems through configurable events.

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature16 records

Partnerships

Six partnerships are on record, tiered core, major and minor.

• VeriSigncoreTechnology or IntegrationVeriSign provides Extended Certification for secure SSL data transmission. VeriSign performs daily reviews on Pagadito servers and connections to enable data encryption and protect data during transmission.
• VisacoreTechnology or IntegrationVisa Everywhere Initiative partner enabling acceptance of Visa card payments. Pagadito processes Visa transactions as part of the global Visa payment network.
• MastercardcoreTechnology or IntegrationAuthorized payment processing partner enabling acceptance of Mastercard payments. Pagadito processes Mastercard transactions as part of the global Mastercard payment network.
• PCI Security Standards CouncilcoreTechnology or IntegrationMember of PCI SSC which developed the Payment Card Industry Data Security Standard. Pagadito maintains PCI-DSS Level 1 certification, the highest level of compliance.
• Ministry of Hacienda (El Salvador)majorStrategic or Co-development PartnerGovernment partnership enabling tax payment collection via NPE (Numero de Pago Electronico) system. Citizens can pay IVA, income tax, specific taxes, and other government charges through Pagadito.
• Sertracen (El Salvador)minorStrategic or Co-development PartnerPartnership for processing traffic fine payments via NPE system. Allows citizens to pay traffic citations through Pagadito platform.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• dLocal: Cross-border payment processor specializing in emerging markets including Central and South America. Directly comparable to Pagadito in serving merchants needing local payment acceptance in LatAm, though dLocal operates at much larger scale and across more markets.
• Conekta: Mexico-focused online payment gateway offering API, links, and OXXO cash payments. Comparable to Pagadito in targeting SMB and developer segments in LatAm with omnichannel payment solutions.
• Kushki: LatAm-focused payment gateway and orchestration platform operating across multiple Andean and Central American countries. Comparable to Pagadito in providing omnichannel payment acceptance (links, QR, APIs, recurring) to SMBs and enterprises across Latin America.
• EBANX: Cross-border payments platform serving global merchants wanting to sell into Latin America. Closely comparable to Pagadito's cross-border card acceptance from 40+ countries into Central American merchants, with overlap in target customer (international SMBs selling into LatAm).
• OpenPay: Mexican payment gateway with APIs, plugins, and recurring billing. Comparable to Pagadito in developer-first gateway model and SMB focus, though geographically concentrated in Mexico.

Broad incumbents

• PayU: Global digital payments provider with strong LatAm presence (Brazil, Mexico, Colombia, Argentina). Overlaps with Pagadito in cross-border card processing and SMB merchant acquiring across emerging markets.
• MercadoPago: Dominant LatAm online and offline payment processor tied to the MercadoLibre marketplace. Competes with Pagadito in SMB online payment acceptance across Spanish-speaking Americas and offers similar omnichannel (QR, POS, links) capabilities.
• Stripe: Global payment gateway with developer-first API and broad LatAm expansion. Comparable to Pagadito's gateway and developer portal offerings, but operates as a broad global incumbent rather than a Central American specialist.
• 2Checkout (now Verifone): Global online payment service supporting merchants selling internationally with multi-currency processing. Comparable to Pagadito's cross-border card acceptance and SMB merchant acquiring model.
• Square (Block): Omnichannel commerce platform combining POS hardware, online checkout, and developer APIs. Comparable to Pagadito's MPOS + Payment Button + QR + API stack, though serving primarily US, Canada, UK, AU, and Japan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pagadito
• YouTubeyoutube.com/channel/UCUde724LFpeRucWGaJoKGdQ
• Facebookfacebook.com/pagadito.pagos.seguros.en.linea
• LinkedInlinkedin.com/company/the-pagadito-group-inc
• Instagraminstagram.com/pagadito_

Compliance3 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 Pagadito