Operaciones en Linea

What Operaciones en Linea does

Operaciones en Linea S.A. de C.V. (OEL) is a privately held Mexican payment processing company founded in April 2000 and headquartered in San Pedro Garza García, Nuevo León. It provides unified electronic payment acceptance across physical retail terminals (TPVs), mobile point-of-sale (mPOS via its Qpay product), e-commerce APIs/SDKs, self-service kiosks, and specialized verticals such as fuel retail (through the Veribox terminal integrated with volumetric control systems) and parking/access control (via Skidata integration). Its core platform is the proprietary OpenLine Payment Gateway, certified under PCI DSS, EMV Level 1 and 2, ISO 27001, and ISO 8583 Chapter 10, with stated throughput capacity of up to 3,000 transactions per second and approximately 1 billion payment interactions processed per year.

The company monetizes through a fixed per-transaction commission on every payment processed across TPV, mPOS, or e-commerce channels, with no disclosed monthly subscription tiers. Its go-to-market combines a sales-led enterprise motion (dedicated account executives serving accounts such as Dportenis, Grupo Garcia, Gulf Mexico, and Banorte), an API-first motion for online and app-based merchants, and a product-led/self-serve motion via Qpay for individual professionals and SMBs. Channel partners including Movilpyme, Skypos, and Veribox extend reach into SMB and fuel segments, while OEM/embedded integrations with Skidata and Veribox distribute payments into adjacent verticals.

OEL complements payments with the CreeC domestic credit card, a sub-brand aimed at financial inclusion and credit-history building using only deposited funds. With 11-50 employees, single-country operations in Mexico, no disclosed external funding rounds, and an 18+ year operating history, the company presents as a long-tenured, niche Mexican acquirer/payment gateway rather than a high-growth fintech.

Name

Operaciones en Linea

Legal name

Operaciones en Línea S.A. de C.V.

Website

https://operacionesenlinea.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

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

akta.pro primary industry

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

akta.pro secondary industries

Payment Gateways & Orchestration (BPAMAFAA), Payment Gateways & Orchestration (CRAFALAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Payment processing
• Payment gateway
• Mobile point of sale
• E-commerce payments
• PCI DSS compliance

Headquarters

HQ city

San Pedro

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Fixed commission charged per payment processed through the platform, whether via TPV, mPOS, or e-commerce/API. Pay-as-you-go model where merchants only pay for the transactions they receive.
2. Payment Gateway Services: Revenue from providing the OpenLine payment gateway infrastructure to businesses for managing and processing electronic payments across multiple channels.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Operaciones en Linea operates the OpenLine Payment Gateway platform to process electronic payments across physical point-of-sale terminals, mobile devices (mPOS), and e-commerce websites for merchants in Mexico. The company provides PCI DSS and EMV certified infrastructure supporting credit and debit card acceptance, and offers the Qpay mPOS solution and Veribox terminals for specialized verticals such as gas stations.

Product overview

Operaciones en Linea operates as a unified payment platform combining multiple products and modules. The core OpenLine Payment Gateway serves as the central platform for real-time payment management across traditional and e-commerce channels. This platform is extended through mPOS for mobile payments, the Qpay reader and app solution for converting smartphones into payment terminals, E-commerce APIs for online payment integration, and the Veribox add-on for gas station volumetric systems. The CreeC credit card is offered as a complementary financial product. The company has been operating since April 2000 as a pioneer in online and point-of-sale payment processing technology.

Differentiator

Problem solved

Functional benefit

Brands

• OpenLine: Payment gateway motor enabling real-time payment management and control over payment strategy for traditional commerce and e-commerce.
• Qpay

Products and services

• OpenLine Payment Gateway Core payment gateway platform providing real-time payment management and control for traditional commerce and e-commerce. Enables centralized management of mobile commerce, payment collection, and the entire merchant lifecycle with PCI DSS and EMV certified processing supporting up to 3000 transactions per second.
• Qpay mPOS mPOS solution consisting of an app and a chip and magnetic stripe card reader that converts any smartphone or tablet into a mobile banking terminal. Targeted at mobile professionals, freelancers, and SMBs in retail or wholesale.
• E-commerce APIs Complete turnkey payment processing solution with host-to-host API integrations for accepting VISA and Mastercard bank card payments on e-commerce sites and mobile applications. Includes SDK for integration with point-of-sale systems or backend tools with end-to-end encryption.
• Veribox Payment Terminal Innovative service and payment terminal with capability to interconnect with any volumetric control system brand, adapting to existing gas station infrastructure without disrupting daily operations. Designed for fuel retail and service station environments.
• CreeC Credit Card Domestic credit card that operates only with deposited funds, allowing cardholders to build positive credit history and acquire financial education basics without interest charges. Positioned as a financial inclusion product.
• Payment Gateway Platform (Enterprise) Complete turnkey payment processing solution providing an environment for payment processing and optimized control that eliminates IT complexity, improves productivity, reduces operational costs, and complies with global fraud and risk security requirements. Targeted at enterprise clients with dedicated account executives.

Quantifiable outcome

• 1 billion payment interactions processed per year
• +1 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

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

• Qpay (Qpay.mx)coreTechnology or IntegrationQpay is the company's own mPOS brand — an app combined with a chip and magnetic stripe card reader that converts any smartphone or tablet into a mobile payment terminal. It targets mobile professionals and SMBs. The Qpay solution is presented as a core product offering alongside the OpenLine platform.
• Veribox (aiemexico.com.mx)coreOEM/ Whitelabel/ Licensing PartnerVeribox is an innovative payment and service terminal with interoperability to volumetric control systems at gas stations, adapted to existing infrastructure without disrupting daily operations. Veribox is positioned as a Qpay + Veribox combined solution.
• CreeC (creectarjetaempresarial.com)minorOthersCreeC is a national credit card product offered in partnership that allows cardholders to create a positive credit history. It uses the cardholder's own deposited funds (no interest charges) and is designed to build financial education and credit foundations for users.
• BanortecoreTechnology or IntegrationBanorte is a major Mexican financial institution listed as a partner/client. The partnership involves banking infrastructure for payment processing and card acceptance, leveraging Banorte's banking network for transaction routing and settlement.
• Gulf MexicomajorTechnology or IntegrationGulf Mexico is a fuel retailer operating gas stations. Gulf uses the company's payment processing solutions including Veribox terminals for fuel payment acceptance.
• SkidatamajorTechnology or IntegrationSkidata is an international company specializing in parking and access control systems. The partnership integrates payment processing capabilities into Skidata's parking solutions deployed in Mexico.
• MovilpymeminorChannel Partner/ Reseller/ DistributorMovilpyme is an SMB-focused mobile technology company that resells and distributes mobile payment solutions, including the mPOS and related payment acceptance tools.
• SkyposminorChannel Partner/ Reseller/ DistributorSkypos is a point-of-sale and mobile payment solutions provider that resells and deploys the company's payment technology to small and mid-sized merchants.
• DportenismajorTechnology or IntegrationDportenis is a major Mexican sporting goods retail chain. The company provides payment processing infrastructure enabling Dportenis to accept card payments across its retail locations.
• Grupo GarciamajorTechnology or IntegrationGrupo Garcia is a Mexican business conglomerate. The company provides payment processing solutions across the group's business units.
• Virtual MarketmajorTechnology or IntegrationVirtual Market is a fuel station payment and service terminal provider. The partnership enables integrated payment processing at fuel retail locations using the Veribox terminal technology.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Clip: Mexican mPOS provider offering a smartphone card-reader and app for SMBs and mobile professionals — directly comparable to OEL's Qpay product in the Mexican mobile acceptance market.
• Kushki: Latin American payment processor with deep Mexican presence providing unified multi-rail payment orchestration, APIs, and mPOS solutions — directly comparable in scope to OEL's OpenLine platform across Mexico.
• Sr. Pago: Mexican payment processor and mPOS provider offering card acceptance, terminals, and online payment integration to SMBs — directly competes with OEL's Qpay and OpenLine offerings.
• Conekta: Mexican payment gateway and online processor offering API-based card acceptance, hosted checkout, and fraud tools to merchants across Mexico — directly comparable product surface to OEL's OpenLine and e-commerce APIs.
• NetPay: Mexican payment processor providing terminals, e-commerce gateways, and value-added services to merchants — comparable product set to OEL's TPV, e-commerce, and reconciliation stack.
• Payvalida: Latin American payment processor offering acquiring, e-commerce gateways, and alternative payment methods across multiple countries including Mexico — comparable in gateway and processing scope.

Others

• Verifone: Global payment terminal manufacturer whose POS hardware is deployed by many acquirers and integrators in Mexico — adjacent, complementary hardware partner/supplier positioning relative to OEL's gateway and Veribox integrations.

Broad incumbents

• Stripe: Global payment infrastructure platform serving Mexican merchants and developers with APIs, hosted checkout, and fraud tools — broad incumbent competing for the same enterprise and e-commerce accounts as OpenLine.
• Square / Block: Global SMB payments and mPOS provider offering card readers, software, and APIs — broad incumbent whose Qpay-comparable mPOS products shape competitive pricing expectations in markets like Mexico.
• Mercado Pago: Payments arm of MercadoLibre operating across Mexico with online checkout, QR, POS, and consumer credit — broader portfolio incumbent competing in the same merchant and SMB segments as OEL.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance4 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 Operaciones en Linea