What Aqui Pago does

Aqui Pago is the commercial brand of Pronet S.A., a Paraguayan corporation founded in December 1998 that operates Paraguay's largest multi-platform electronic payment collection network. The company runs 7,437 active cash registers (cajas activas) across 6,796 collection points (puntos de cobros) in all 17 departments of Paraguay, processing more than 2,000 enabled services including utilities (ANDE, ESSAP, COPACO), telecommunications (TIGO, Claro), banks (Banco Nacional de Fomento, Banco BASA, Banco Familiar), insurance (MAPFRE), government tax collection (Ministerio de Hacienda - SET), education, and healthcare providers. Its four product lines are Red de Cobranza (the core electronic collection network with POS, E-POS, and Pos Web terminals), Locales CNB (non-bank correspondent banking outlets enabling financial inclusion in underserved areas), Salud (a 24/7 online electronic authorization platform for the health sector), and Giros (domestic money transfers operated on behalf of TIGO, Personal, Claro, and Wally). Technology infrastructure spans proprietary POS terminals (1999), an in-house PC-based E-POS platform (launched 2004), and an internally developed web-based Pos Web platform (launched 2013), with daily settlement routed through Banco Clearing.

The business operates a B2B2C model: Pronet signs service providers (emisores) as bill issuers on the platform, recruits merchants and businesses as collection agents (recaudadores/bocas de cobranza) under 2-year auto-renewing contracts, and earns commissions per processed transaction. Collection agents receive monthly commission payouts (from the 1st to the 15th of the following month) plus performance-based bonuses via the 'Cumplí el desafío y Ganá' program. Distribution is entirely domestic through direct sales teams and the company website; no app for end users and no public API are present, despite contacts distributed across 16+ email addresses mapped to functional areas. The company is privately held under Pronet S.A., does not publish financials, and has no subsidiaries, parent, or disclosed external investors in the source material.

Name

Aqui Pago

Legal name

Pronet S.A.

Website

https://aquipago.com.py

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

251–500 employees

Short description

Aqui Pago (Pronet S.A.) operates Paraguay's largest multi-platform payment collection network, running 6,796 collection points across all 17 departments to process 2,000+ bill payment, banking, healthcare authorization, and money transfer services for utilities, telecom, banks, and government entities.

Ownership category

akta.pro rank

Product category

Payment Collection Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)

akta.pro secondary industries

ACH Operator & Clearinghouse Services (FSAMAGAA), Order-to-Cash (O2C) Operations (Order Admin, Credit, Invoicing, Collections Handoff) (BPAAAGAK), Government & Public Sector ACH (Tax, Benefits, Collections) (FSAMAGAH)

Keywords

• Bill payment collection
• Payment collection network
• Non-bank correspondent
• Electronic payment processing
• Domestic money transfers

Headquarters

HQ city

Asunción

HQ country

Paraguay

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission on Collections: Aqui Pago earns commissions from service providers (emisores) for processing bill payments and collections through their network of collection points. Collection agents (adheridos) receive a portion of these commissions based on the tariff schedule. Pronet pays commissions monthly to collection agents from the 1st to the 15th of each month following service delivery.
2. Additional Commission Programs: Performance-based additional commissions paid to collection agents who meet monthly targets (metas) through the 'Cumplí el desafío y Ganá' program. Agents receive extra commissions on top of regular transaction commissions when they achieve defined collection targets.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Aqui Pago operates Paraguay's largest multi-platform electronic collection network, processing over 2,000 billable services through 6,796 collection points and 7,437 active cash registers nationwide. The company collects payments on behalf of service providers including utilities (ANDE, ESSAP), telecom operators (TIGO, Claro), banks, insurance companies, healthcare providers, and government entities, while also offering non-bank correspondent (CNB) banking services, health sector electronic authorization, and domestic money transfer services.

Product overview

Aqui Pago is a multi-product payment network operated by Pronet S.A., consisting of a unified platform with four interconnected services. The core offering is the Red de Cobranza, an electronic payment collection network that processes bills and services across the country. This platform is complemented by Locales CNB (Non-Bank Correspondents) which extends banking services to underserved communities, the Salud module providing electronic health authorization and validation services, and the Giros service for domestic money transfers. The network processes over 2,000 services through 7,437 active cash registers and 6,796 collection points across 17 departments in Paraguay.

Differentiator

Problem solved

Functional benefit

Products and services

• Red de Cobranza Pioneer multi-platform electronic collection network for decentralized payment processing in Paraguay. Provides specialized software, platforms, and networks for information transfer and fund transfer services, with real-time transaction confirmation across POS, E-POS (PC-based), and Pos Web (web-based) channels. Built to help service providers collect payments without maintaining their own collection infrastructure, while extending payment access to consumers in all 17 departments.
• Locales CNB (Corresponsales No Bancarios) Non-bank correspondent service that enables non-financial commercial establishments to operate as banking outlets under the CNB model. Facilitates financial inclusion by allowing partner banks (Banco Nacional de Fomento, Banco BASA, Banco Familiar) to provide deposits, withdrawals, and loan payment services at retail locations throughout Paraguay, particularly in communities without bank branches.
• Salud Electronic authorization and validation platform for the health sector in Paraguay. Provides 24/7 online validation of medical consultations, laboratory tests, diagnostic studies, and urgent procedures for health insurance companies (medicinas prepagas) and healthcare providers. Includes support, implementation, training, and technical assistance to enable real-time insurance coverage verification and claims processing.
• Giros Domestic money transfer and receipt service operated by Aqui Pago on behalf of multiple partner companies including GIROS TIGO, BILLETERA PERSONAL, GIROS CLARO, and GIROS WALLY. Enables nationwide sending and receiving of funds through Aqui Pago's collection point network, leveraging Western Union for international remittances where applicable, with real-time availability of funds.

Quantifiable outcome

• 7,437 active collection boxes across Paraguay
• +3 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and major.

• ANDE (Administración Nacional de Electricidad)coreChannel Partner/ Reseller/ Distributor · 1 January 2003ANDE (National Electricity Administration) joined the Aqui Pago collection network in 2003, marking a significant milestone. This partnership increased trust in the network and helped Pronet gain recognition in the sector. ANDE bills for electricity services are processed through the collection network.
• Ministerio de Hacienda - SETcoreStrategic or Co-development PartnerPronet formed an alliance with the Ministry of Finance and Tax Authority (SET) in 2004 for receiving tax payments and declarations from all taxpayers through the network.
• Banco Nacional de FomentocoreChannel Partner/ Reseller/ DistributorBNF is a key banking partner for the CNB (Corresponsales No Bancarios) non-bank correspondent service, enabling banking transactions at Aqui Pago collection points.
• Banco BASA S.A.coreChannel Partner/ Reseller/ DistributorBASA bank partners with Aqui Pago for CNB non-bank correspondent services, enabling deposits, withdrawals, and loan payments at collection points.
• Banco Familiar S.A.E.C.A.coreChannel Partner/ Reseller/ DistributorBanco Familiar partners with Aqui Pago for CNB non-bank correspondent services in areas without bank branches.
• TIGO (TELEFONICA CELULAR DEL PARAGUAY S.A.)coreChannel Partner/ Reseller/ DistributorTIGO is a major telecommunications partner offering mobile services, TV, and internet bill payments through Aqui Pago, including GIROS TIGO money transfer service.
• CLARO ParaguaycoreChannel Partner/ Reseller/ DistributorClaro is a telecommunications partner enabling mobile services bill payments and GIROS CLARO money transfers through the Aqui Pago network.
• WESTERN UNIONcoreChannel Partner/ Reseller/ DistributorWestern Union international money transfer service is available through Aqui Pago collection points for receiving and sending remittances.
• GIROS WALLYcoreChannel Partner/ Reseller/ DistributorWALLY domestic money transfer service is processed through Aqui Pago collection points, allowing nationwide money transfers.
• BILLETERA PERSONALcoreChannel Partner/ Reseller/ DistributorPersonal digital wallet service enables mobile money transfers and payments through the Aqui Pago network.
• Banco ClearingcoreTechnology or IntegrationBanco Clearing serves as the settlement bank for Aqui Pago transactions. Collection agents must maintain a current account at Banco Clearing for deposits and commission payments. All daily collections must be deposited to the clearing account.
• MAPFRE ParaguaymajorChannel Partner/ Reseller/ DistributorMAPFRE insurance company enables policyholders to pay insurance premiums through Aqui Pago collection points.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Tigo Money: Mobile money platform operated by TIGO Paraguay, Aqui Pago's telecom partner. Comparable as a payment and money transfer service in Paraguay but offers mobile-wallet delivery versus Aqui Pago's physical agent network.
• Wally: Paraguayan domestic money transfer service operating through Aqui Pago's collection network. Comparable as a domestic remittance provider in Paraguay with overlapping distribution.
• Pagopar: Paraguayan digital payment gateway / fintech offering online bill payment and collection services. Comparable as a Paraguayan payment platform but focused on digital/online channels rather than Aqui Pago's physical network model.

Direct peers

• SuRed: Argentine payment collection network operating retail collection points for bill payments and money transfers. Comparable multi-biller collection model and commission-based revenue structure.
• Efecty: Colombia's largest bill payment and money transfer network with thousands of collection points. Directly comparable model of decentralized bill collection, money transfers, and banking agent services through retail affiliates in a single country.
• Multipagas: Paraguayan payment collection network offering bill payment and collection services. Directly comparable as a domestic Paraguayan competitor in the same bill collection market.
• Servipag: Chile's leading bill payment network operating collection points for utilities, telecom, banks, and government. Comparable multi-biller collection network operating through affiliated retail and bank branches.
• RapiPago: Major Argentine bill payment collection network with extensive retail point coverage. Closely comparable to Aqui Pago as a multi-biller payment collection network operating through affiliated retail locations and charging transaction commissions.
• PagoFácil: Argentina's largest bill payment collection network, operating thousands of collection points across the country. Directly comparable in business model (B2B2C bill collection via physical retail agents, commission revenue) and geographic category (South American payment collection network).

Broad incumbents

• Western Union: Global money transfer giant that operates as a Aqui Pago channel partner for international remittances. Comparable as a money transfer operator and broader cross-border payment incumbent, though operating at much larger scale and multiple products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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 Aqui Pago