Posnet

What Posnet does

PosNet S.R.L. is an Argentine payment solutions provider and wholly-owned subsidiary of U.S.-based financial technology company Fiserv, operating from Buenos Aires with 101-250 employees. Founded in 1974, the company has built a 50-year franchise in card-present acquiring, serving more than 400,000 merchants across Argentina with national 24/7 support. Its core offering is the PosNet POS terminal, which accepts all major card types across contactless, QR, chip, and magnetic-stripe technologies, supplemented by the Gateway PosNet online payment gateway for remote transactions. The company extends its product surface into merchant operations through the Merchant Center portal (settlement tracking, coupon management, statistical reports, sales alerts), Propinas Digitales (digital tipping up to 20% of transaction value), Anticipá tus ventas (same-day settlement of all collections within one business day), Mi Posnet and E-Posnet self-service tools, and Fiserv-branded installment financing (Plan Cuota Simple).

PosNet generates revenue primarily through transaction fees on payment processing across its merchant base, with incremental economics from value-added services such as same-day settlement and installment plan participation. Distribution is direct: merchants request terminals through the company's website (posnet.com.ar) and receive nationwide installation and ongoing support. The go-to-market motion is horizontal, targeting small and medium businesses across industries rather than specific verticals or enterprise anchors, and the customer base is highly fragmented with no named enterprise customers disclosed in the source material. The company has no standalone app, no public API or SDK offering, and no disclosed AI/ML features; recent strategic activity has centered on product expansion (digital tipping, Merchant Center, regulatory adaptation to digital-receipt rules) rather than capital raises, M&A, or geographic expansion outside Argentina. Its strategic position is that of an established domestic acquirer within a global fintech parent's portfolio, with operational autonomy on product and distribution but tightly coupled technology infrastructure (Merchant Center hosted at fiservapp.com, Fiserv financing products) to the parent's stack.

The company has a 50+ year brand presence and a 400,000-merchant distribution footprint in Argentina, which constitute the primary competitive moat. Switching costs are moderate, driven by terminal integration, settlement workflow, and Fiserv-linked financing, rather than by deep software lock-in. Operating geographies are restricted to Argentina, with no disclosed expansion signals into other Latin American markets. The company is private (no public ticker), is not capitalized through external funding rounds, and reports no standalone revenue figure; its trajectory is best characterized as steady-state operation with incremental product-led growth within the Fiserv ecosystem.

Name

Posnet

Legal name

PosNet S.R.L.

Website

https://posnet.com.ar

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

PosNet S.R.L. is an Argentine payment acquirer and Fiserv subsidiary that provides POS terminals, online gateways, and QR payment acceptance to over 400,000 small and medium merchants across Argentina, generating revenue through transaction fees.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

akta.pro secondary industry

POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

Keywords

• Payment processing services
• POS terminal solutions
• Digital payment gateway
• Merchant payment acceptance
• Contactless payment solutions

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: PosNet generates revenue through transaction fees charged to merchants for processing card payments. The company offers various payment technologies (contactless, QR, chip, magnetic stripe) and services including sales anticipation (same-day settlement) and installment financing (Plan Cuota Simple), likely charging fees for these value-added services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

PosNet provides point-of-sale payment terminals that accept all card types and payment technologies (contactless, QR, magnetic stripe, chip) for in-person transactions across Argentina. The company complements its terminals with the Gateway PosNet for online payments, QR-based payment acceptance (Cobrá con QR), digital tipping capability (Propinas Digitales), the Merchant Center portal for business management, and same-day settlement services (Anticipá tus ventas). PosNet serves over 400,000 merchants nationwide with 24/7 national coverage.

Product overview

Posnet is an Argentine payment processing company offering a comprehensive portfolio of point-of-sale and digital payment solutions. The core product is the PosNet terminal that accepts all card types and payment technologies (contactless, QR, magnetic stripe, chip) for in-person transactions. The portfolio includes the Gateway PosNet for online payments, Cobrá con QR for QR-based transactions, Propinas Digitales for digital tip acceptance (up to 20% of transaction), the Merchant Center portal for business management and reporting, and Anticipá tus ventas for sales funding within 1 business day. Additional offerings include E-Posnet, Mi Posnet, and Financiación Fiserv for installment financing. With over 50 years of experience and 400+ thousand merchant clients, Posnet provides nationwide 24/7 coverage across Argentina.

Differentiator

Problem solved

Functional benefit

Products and services

• PosNet Point-of-sale payment terminal solution that accepts all card types and payment technologies (contactless, QR, magnetic stripe, chip) for in-person transactions, with features for sales anticipation, digital tips, and nationwide 24/7 coverage. Targeted at merchants across Argentina.
• Gateway PosNet Digital payment gateway enabling merchants to accept payments remotely, supporting various online transaction methods and security protocols. Targeted at merchants needing online/e-commerce payment acceptance.
• Merchant Center Web-based merchant management portal providing online tracking of settlements, coupons, statistical reports, financial information, and sales alerts with customizable filters in a single platform. Targeted at PosNet merchants.
• Propinas Digitales (Digital Tips) Digital tipping feature integrated into the payment terminal that enables merchants to accept up to 20% of the transaction total as digital tips from customers.
• Cobrá con QR QR code payment functionality allowing merchants to accept contactless QR-based transactions from customers via their PosNet terminal.

Quantifiable outcome

• Same-day settlement of all collections within 1 business day
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• FiservcoreTechnology or IntegrationPosNet is a subsidiary of Fiserv, leveraging Fiserv's payment processing technology and infrastructure. The company offers Fiserv financing solutions (Financiación Fiserv) to merchants, including installment plans and direct rate simulation tools.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Stripe: Global online payment gateway and merchant infrastructure provider. Comparable to PosNet's Gateway PosNet product for e-commerce and online merchant acquiring.
• Fiserv: Global financial technology and merchant acquiring giant; parent company of PosNet. Comparable as the broader incumbent whose platform, technology, and financing solutions power PosNet's offerings.
• Block (Square): Global SMB payments and POS company offering integrated terminals, software, and lending. Comparable business model to PosNet at a much larger scale across multiple geographies.

Regional players

• Getnet (Santander): LATAM-focused acquirer operating mainly in Brazil and other Latin American markets. Comparable regional payment processor with similar SMB acquiring model, though primarily Brazil-centric rather than Argentina.
• Clip: Mexican SMB-focused mobile POS and payments provider. Comparable integrated POS acquiring model for small merchants, but operating primarily in Mexico rather than Argentina.
• Rede (Itaú): Brazilian payment acquirer affiliated with Itaú, offering POS and online acceptance. Comparable regional payment processor with similar SMB acquiring focus, serving Brazil rather than Argentina.

Direct peers

• Naranja X: Argentine fintech offering cards, accounts, QR payments, and merchant acquiring. Overlaps with PosNet on SMB payment acceptance and digital wallet functionality in Argentina.
• MercadoPago: Argentina's dominant digital payments platform operated by Mercado Libre. Directly competes with PosNet for SMB merchant acquiring, QR payments, and online checkout in the same Argentine market.
• MODO: Bank-backed Argentine payments wallet and QR network. Competes with PosNet on QR acceptance, mobile payments, and merchant onboarding across the same SMB segment in Argentina.
• Payway (Grupo Brubank): Argentine payment processor and acquirer serving merchants with POS and online solutions. Competes directly with PosNet on POS acquiring and online gateway services in Argentina.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/posnet

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 Posnet