Pay-me
Pay-me is a Peruvian payment gateway brand of ALIGNET S.A.C. that provides online and omnichannel card, wallet, QR, and bank-transfer processing for e-commerce merchants, mobile apps, social commerce, and physical retail across Latin America.
- Company typePrivate
- Founded2012
- HeadquartersMiraflores, Peru
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Pay-me does
Pay-me is a Peruvian payment gateway brand operated by ALIGNET S.A.C., a multinational financial technology company with 26+ years of regional presence. Headquartered in Miraflores, Lima, Pay-me delivers online and omnichannel payment acceptance infrastructure for e-commerce merchants, mobile applications, social commerce, and physical retail. The platform processes card-not-present (CNP) transactions via direct acquirer relationships with Visa, Mastercard, American Express, and Diners, and supports local Peruvian payment methods including Yape, Plin, PagoEfectivo, Cuotéalo installments, QR, and bank transfers. The parent Alignet network handles approximately 80 million transactions annually across 12 Latin American countries with 45,000+ affiliated clients, while Pay-me's technology is also exported to 50+ banks and acquirers regionally.
The core technology stack runs on AWS infrastructure with global server redundancy and incorporates EMV 3-D Secure 2.0/2.1 authentication, AI/ML-driven fraud detection with risk-based authentication (RBA), PCI DSS-compliant tokenization, and a real-time merchant dashboard (Metrix). The product suite spans Pay-me Checkout (gateway), Pay-me Flex (embedded checkout component), Pay-me App (iOS/Android SDKs), Pay-me Inbox (social commerce payment links), Pay-me Tokenización (secure card storage for one-click and recurring payments), Pay-me POS (Wiseasy P5 physical terminal), plus add-on modules for recurring billing, refunds, and merchant onboarding. Distribution is multi-channel: direct inside sales for enterprise, WhatsApp-led SMB sales, self-serve API/developer portal, and official plugins distributed through WooCommerce, PrestaShop, and VTEX marketplaces.
Pay-me operates on a transaction-fee / take-rate revenue model with disclosed discount rates ranging from 0.40% to 3.95% by card type and merchant category (averaging 1.42% for debit and 1.76% for credit), with no affiliation or implementation fees. The customer base includes both enterprise anchors (LATAM Airlines, Falabella, Sodimac, DHL, Ripley, Entel, Diners Club Peru, Panasonic) and a long-tail of SMB merchants. Pricing is tiered by merchant vertical (airlines, education, supermarkets, telecommunications, micro-merchants, etc.) with preferential rates offered to established e-commerce businesses.
Pay-me firmographics
Firmographics- Name
- Pay-me
- Legal name
- ALIGNET S.A.C.
- Website
- https://pay-me.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Pay-me is a Peruvian payment gateway brand of ALIGNET S.A.C. that provides online and omnichannel card, wallet, QR, and bank-transfer processing for e-commerce merchants, mobile apps, social commerce, and physical retail across Latin America.
- Ownership category
- akta.pro rank
Pay-me industry classification
Industry- Product category
- Payment Processing / Online Payment Gateway
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG)
Keywords
Where Pay-me is headquartered
LocationHeadquarters
- HQ city
- Miraflores
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
Pay-me business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Payment Transaction Processing: Pay-me generates revenue through transaction fees (take rates) applied to each payment processed. The company operates on a discount rate model where merchants pay a percentage fee per transaction based on card type (credit vs debit) and merchant category (MCC). Rates vary by segment with credit card rates ranging from 2.60% (Telecommunications) to 3.7% (maximum) and debit card rates from 2.85% (maximum) to 0.40% (minimum). No affiliation or implementation costs are charged to merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Credit Card Processing by Merchant Category |
| Transaction based/ take rate | Pay-as-you-go | Debit Card Processing by Merchant Category |
| Transaction based/ take rate | Pay-as-you-go | Discount Rate Summary - Credit Card |
| Transaction based/ take rate | Pay-as-you-go | Discount Rate Summary - Debit Card |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Pay-me product offering
Product offeringCore offering
Pay-me is a payment gateway that lets e-commerce merchants accept online card-not-present transactions, integrating cards, local Peruvian methods, and digital wallets through hosted and embedded checkout flows. The platform adds tokenization, recurring billing, AI/ML-based fraud prevention, EMV 3-D Secure authentication, a merchant monitoring dashboard, mobile SDKs, and a physical POS terminal, packaged with plugins for major e-commerce platforms.
Product overview
Pay-me is a comprehensive payment gateway platform based in Peru, offering a multi-channel payment infrastructure designed for e-commerce and physical retail. The product portfolio centers on Pay-me Checkout as the primary gateway solution, complemented by Pay-me App (mobile SDK), Pay-me Inbox (social commerce), and Pay-me Tokenización (card tokenization). For developers, Pay-me provides Pay-me Flex (embedded checkout), SDK Mobile for native iOS/Android integration, and comprehensive REST APIs for payment authorization, refunds, and recurring payments. The platform integrates natively with major e-commerce platforms including WooCommerce, PrestaShop, and VTEX. Security features include 3DS EMV authentication, AI-powered anti-fraud tools with machine learning, and PCI DSS compliance. The ecosystem is backed by Alignet's infrastructure supporting transactions across 12 Latin American countries.
Differentiator
Problem solved
Functional benefit
Brands
- Pay-me Checkout: Payment form for online sales with quick and easy integration for businesses
- Pay-me Inbox
- Pay-me App
- Pay-me Tokenización
Products and services
- Pay-me Checkout
Quantifiable outcome
- 80 million transactions processed annually across the Alignet/Pay-me network
- +2 more outcomes
Companies that use Pay-me
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles1 record
Pay-me technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability2 records
Feature7 records
Pay-me partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and flagship.
- Amazon Web Services (AWS)coreAWS serves as the primary cloud infrastructure provider for Pay-me's payment gateway technology. All technology is supported by Amazon Web Services with server redundancy worldwide, providing high availability and scalability for the payment processing infrastructure.
- Microsoft Inc.coreMicrosoft is listed as a data storage provider for Pay-me's cross-border data flow management, storing data in compliance with Peru's data protection regulations (Ley 29733).
- Alignet S.A.C.coreAlignet S.A.C. (RUC 20333372216) is the parent company and operator of Pay-me. With 26+ years in the market, 45,000+ affiliated clients, and 80 million transactions annually across 12 Latin American countries, Alignet provides the underlying technology, acquiring infrastructure, and 3-D Secure technology that powers Pay-me. Pay-me exports technology to 50+ banks and acquirers in the region.
- WooCommerce (Automattic)flagshipPay-me offers an official WooCommerce plugin for WordPress-based e-commerce stores, enabling merchants to accept Visa, Mastercard, Amex, Diners, Yape, Plin, QR payments, PagoEfectivo, and Cuotéalo through a single integration. The plugin is available in the WooCommerce ecosystem.
- PrestaShopflagshipPay-me provides an official module for PrestaShop e-commerce platform, enabling PrestaShop merchants to integrate the Pay-me payment gateway with support for all major cards and alternative payment methods. Module available via PrestaShop Addons marketplace.
- VTEXflagshipVTEX connector allows Pay-me to integrate with VTEX-powered e-commerce stores using VTEX IO CLI installation. The connector supports cards, Yape, QR, PagoEfectivo, and Cuotéalo with 3-D Secure 2.0 and native VTEX checkout experience.
- VisacoreVisa card network integrated as payment method through direct acquirer relationships. Pay-me supports Visa Secure authentication and processes Visa transactions with full EMV 3-D Secure protocol support.
- MastercardcoreMastercard card network integrated as payment method. Pay-me supports Mastercard identity check and processes Mastercard transactions with comprehensive response code support.
- American ExpresscoreAmerican Express card acceptance integrated as payment method through Pay-me gateway.
- Diners ClubcoreDiners Club card acceptance integrated as payment method through Pay-me gateway for Peru market.
- Pago EfectivocoreCash payment method allowing bank transfer through Pago Efectivo network, enabling customers to pay online via bank transfers or cash deposits at authorized agents.
- Yape (BCP)coreMobile wallet integration allowing Yape users to pay via QR code. Yape is Peru's dominant mobile payment app operated by Banco de Crédito del Perú (BCP).
- Cuotéalo (ICR)coreInstallment financing provider integrated to offer pay-later solutions, allowing merchants to offer installment payments to customers.
- PlincoreMobile wallet integration for Plin users, enabling QR code payments through the Plin mobile application.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Pay-me competitors and assessment
Company assessmentEmerging players
- Kushki: LATAM-focused payments infrastructure company offering gateway, orchestration, and local APM coverage across multiple Andean and Central American countries. Highly comparable to Pay-me's multi-country positioning.
- dLocal: Cross-border payments processor enabling global merchants to accept payments in emerging markets including Peru. Comparable in addressing Peru and broader LATAM with localized payment methods.
Direct peers
- Niubiz: Peru's largest domestic payment gateway/acquirer (formerly Visanet Peru), processing card transactions for the same Peruvian e-commerce and retail merchants that Pay-me serves. Directly comparable in product (gateway + tokenization + 3DS) and target market.
- Izipay: Peruvian payment gateway offering card acceptance and online checkout solutions for SMB and enterprise merchants. Competes head-to-head with Pay-me for the same Peruvian e-commerce merchant base.
Broad incumbents
- Mercado Pago: LATAM's largest digital wallet and payment processor, part of Mercado Libre. Operates broadly across online and offline payments in Peru and 12+ LATAM countries, with overlapping gateway, QR, and APM offerings.
- Adyen: Global unified commerce platform offering acquiring, gateway, and APM aggregation. Increasingly serving large LATAM enterprise merchants (including in Peru) as a global alternative to local PSPs like Pay-me.
- PayU: Global PSP with deep LATAM presence (PayU Latam), offering gateway, APM aggregation, and acquirer partnerships across multiple LATAM countries including Peru.
- Stripe: Global payment gateway expanding aggressively across LATAM. Offers API-first checkout, tokenization, and increasingly localized APMs in Peru (Yape, PagoEfectivo), directly competing with Pay-me for cross-border merchants.
Regional players
- Clip: Mexican payments company offering card readers, gateway, and digital payments. Comparable in product breadth but serves Mexico rather than Peru; useful proxy for LATAM fintech scale benchmarks.
- Conekta: Mexican payment gateway providing card acceptance, OXXO cash payments, and local APMs. Comparable in product offering but focused on Mexico rather than Peru — a regional rather than direct competitor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Pay-me social profiles
Digital presencePay-me compliance and trust
Trust signalCompliance2 records
Pay-me financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay-me leadership team
Management profileNumber of profiles
Profiles5 records
Pay-me funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay-me 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 Pay-me
What does Pay-me do?
Pay-me is a payment gateway that lets e-commerce merchants accept online card-not-present transactions, integrating cards, local Peruvian methods, and digital wallets through hosted and embedded checkout flows. The platform adds tokenization, recurring billing, AI/ML-based fraud prevention, EMV 3-D Secure authentication, a merchant monitoring dashboard, mobile SDKs, and a physical POS terminal, packaged with plugins for major e-commerce platforms.
Is Pay-me a public or private company?
Pay-me is a private company. It is classified as corporate owned and is currently operating.
When was Pay-me founded?
Pay-me was founded in 2012. It employs 101 to 250 people.
Where is Pay-me based?
Pay-me is headquartered in Miraflores, Peru, in the Latin America region.
How does Pay-me make money?
One revenue line is on record: payment Transaction Processing.
Who are Pay-me's main competitors?
Emerging players on record are Kushki and dLocal. Direct peers are Niubiz and Izipay. Broad incumbents are Mercado Pago, Adyen, PayU and Stripe. Regional players are Clip and Conekta.
Does Pay-me have an API?
Yes. Pay-me offers a REST API for payment processing (PayIn API) that enables server-to-server integrations. The API supports authorization, refunds, transaction queries, and cancellations. Available methods include: Card payments, Yape, PagoEfectivo, QR, Cuotéalo, and bank transfers. Authentication uses Bearer Token (client_credentials flow). Documentation available at docs.pay-me.com with comprehensive API reference including authentication, payment authorization, and webhook notifications. Developer documentation is at docs.pay-me.com.
What industry is Pay-me in?
Pay-me'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 FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 52232 and its SIC code is 6199.