Red Conecta

What Red Conecta does

Red Conecta, operating under the legal name Conectamos Financiera, is a Colombian fintech technology provider based in Cali, Valle del Cauca, that builds an integrated platform spanning loyalty programs, payment processing, and point-of-service customer experience for the solidarity economy and enterprise business groups. The product portfolio is organized into five solution pillars: Fidelización (Programa Lealtad® points program, Red Comercios Aliados merchant network, Servicios de Analítica, Bonos Digitales, Pago de Bonificaciones a colaboradores), Medios de Pago (Emisión de Tarjetas physical/virtual card issuance, Tokenización for Apple Pay and Google Pay), Recaudo (Pasarela de Pagos gateway, Portales de Pagos enterprise portal, Botón de Pinos loyalty-points checkout), Atención en Puntos (Sistema de Turnos queue and appointment management), and Pagos (Pagos Inmediatos Bre-B instant transfers via the ACH Colombia Bre-B rail). The company runs a sales-led, consultative GTM targeting Colombian cooperatives, employee funds (fondos de empleados), and large enterprise business groups, with direct expert consultation as the primary conversion mechanism. Operationally, the company is lean (7 employees on record), privately held, and shows apparent affiliation with the Coomeva cooperative group through shared media assets, a coomeva.com-hosted privacy policy, and ecosystem positioning, though ownership is not explicitly disclosed. Revenue model is multi-stream, combining recurring program management fees on loyalty, transaction fees on card and gateway processing, and professional services around analytics and implementation; pricing is not publicly disclosed.

Name

Red Conecta

Legal name

Conectamos Financiera

Website

https://redconecta.co

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Red Conecta (Conectamos Financiera) is a Colombia-based fintech technology provider offering an integrated loyalty, payment processing, and customer-experience platform to cooperatives, employee funds, and enterprise business groups, with apparent ties to the Coomeva cooperative group.

Ownership category

akta.pro rank

Product category

Cooperative & Enterprise Fintech (Loyalty and Payment Solutions)

NAICS

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

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAGAAAM

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYFSAGABAF

Tokenization, Network Vaults & Credential Management

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

SECONDARYFSAGABAO

POS, SoftPOS & In-Person Acceptance Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

Keywords

• Loyalty program software
• Payment gateway services
• Card issuance infrastructure
• Cooperative fintech solutions
• Instant payment processing

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Loyalty Program Solutions: Implementation and management of loyalty point programs, allied merchant networks, digital bonuses, and employee bonus payments. Generates recurring revenue through program management fees and transaction-based redemptions.
2. Payment Processing & Card Issuance: Physical and virtual card issuance with integrated tokenization services for digital wallets. Revenue derived from transaction fees and card management services.
3. Collection & Payment Gateway Services: Digital payment gateway and enterprise payment portal services enabling centralized collection management for business groups. Revenue through transaction processing fees and platform access fees.
4. Analytics & Consulting Services: Data analytics services for customer behavior insights and loyalty strategy development, bundled with implementation support.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Red Conecta (Conectamos Financiera) provides integrated fintech technology solutions for the Colombian solidarity economy and enterprise groups, spanning loyalty programs (points, merchant network, digital vouchers, employee bonuses), payment infrastructure (physical and virtual card issuance, tokenization for Apple Pay and Google Pay), digital collection (payment gateway, enterprise portals, loyalty-points checkout button), point-of-service queue management, and instant payments via the Bre-B network. The platform is designed to digitize member engagement, centralize reconciliation, and convert transaction data into strategic business intelligence for cooperatives, employee funds, and large business groups.

Product overview

Conectamos Financiera (Red Conecta) is a technology solutions provider specializing in loyalty, payments, collection, and point-of-service customer experience. The portfolio is organized into five solution pillars: (1) Fidelización (Loyalty) — anchored by Programa Lealtad® (points-based incentive program), Red Comercios Aliados (partner merchant network), Servicios de Analítica (data analytics), Bonos Digitales (digital vouchers), and Pago de Bonificaciones a colaboradores (employee bonus digitization); (2) Medios de Pago (Payment Methods) — built around Emisión de Tarjetas (physical/virtual card issuance) and Tokenización (digital wallet tokenization for Apple Pay and Google Pay); (3) Recaudo (Collection) — comprising Pasarela de Pagos (payment gateway supporting PSE, credit cards, correspondents), Portales de Pagos (enterprise payment portal for business groups), and Botón de Pinos (loyalty-point redemption button for online stores); (4) Atención en Puntos (Point-of-Service) — Sistema de Turnos (real-time appointment/queue management); and (5) Pagos (Payments) — Pagos Inmediatos Bre-B (instant payment transfers via national Bre-B system). Together these solutions form an integrated platform for financial services digitalization targeting cooperatives, employee funds, and enterprise groups.

Differentiator

Problem solved

Functional benefit

Brands

• Programa Lealtad: A loyalty points program that helps design incentive programs allowing customers to accumulate and redeem points across a broad portfolio of options.
• Red Comercios Aliados
• App Bre-B

Products and services

• Programa Lealtad®
• Red Comercios Aliados A network of allied businesses offering exclusive discounts and offers to loyalty program members, expanding the redemption options available to customers.
• Servicios de Analítica Data analytics services that leverage customer data to develop loyalty strategies and create emotional connections with customers, typically bundled with implementation support.
• Bonos Digitales A fully digital and scalable solution for managing virtual incentive vouchers, granting access to entertainment and restaurant brands as part of loyalty/incentive programs.
• Pago de Bonificaciones a colaboradores A digital experience for delivering employee bonuses, transforming bonus distribution into an agile and streamlined process that optimizes operations.
• Emisión de Tarjetas Infrastructure for issuing physical and virtual proprietary branded cards designed to monetize customer transactions and strengthen end-user loyalty through strategic transaction data.
• Tokenización Secure, modern digital payment experiences via digital wallets (Apple Pay, Google Pay) and other contactless solutions, enabling tokenized card credentials.
• Pasarela de Pagos A payment gateway managing virtual and physical payments through PSE, credit cards, correspondents, and other payment methods with centralized reconciliation.
• Portales de Pagos An exclusive enterprise payment portal for business groups requiring centralized payment management with customizable collection rules and parameters across multiple business units.
• Botón de Pinos A payment gateway button for online stores that allows customers to pay using the loyalty points they have accumulated.
• Sistema de Turnos Real-time appointment scheduling, queue management, and monitoring system that integrates customer data to offer personalized solutions at contact points, maximizing conversion and cross-selling.
• Pagos Inmediatos Bre-B Instant fund transfer service using keys such as cellphone number, national ID, or alphanumeric identifiers that eliminates barriers of traditional banking systems, enabling immediate payments via the Bre-B network operated by ACH Colombia.

Quantifiable outcome

• Reduction in operational costs through digital transformation of payments and loyalty processes
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

One partnership is on record.

• Bre-BcoreTechnology or IntegrationIntegration with the Bre-B instant payment network operated by ACH Colombia, enabling real-time money transfers using phone numbers, national IDs, or alphanumeric identifiers as payment addresses, eliminating traditional banking system barriers for the company's payment solutions.

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kushki: Latin American payment infrastructure platform offering online acceptance, tokenization, and orchestration across multiple LATAM countries—comparable to the Pasarela de Pagos and Tokenización capabilities, with broader geographic reach.
• Conekta: Latin American online payment processor offering gateway, fraud prevention, and alternative payment methods across Mexico and beyond—an analogous fintech infrastructure player targeting enterprise merchants with regional payment-method enablement.
• PlacetoPay: Colombian payment gateway provider offering online payment processing, anti-fraud, and reconciliation for merchants and enterprises—closely comparable to Conectamos Financiera's Pasarela de Pagos and Portales de Pagos modules targeting Colombian enterprise clients.
• Bold (Bold.co): Colombian fintech providing payment acceptance (links, cards, terminals) for businesses and individuals, with a SaaS-style enterprise onboarding model—comparable as a LATAM-based, sales-led, payments-focused fintech serving SMB and enterprise clients.
• Loyaltic: Colombian customer-loyalty and engagement platform offering points programs, rewards, and merchant networks—directly comparable to Red Conecta's Programa Lealtad®, Red Comercios Aliados, and Bonos Digitales offerings for enterprise and cooperative clients.

Broad incumbents

• Mercado Pago: The dominant LATAM digital payments and wallet platform operated by MercadoLibre—an incumbent with overlapping payment-gateway, card, and wallet capabilities that competes broadly for the same enterprise transactional volume.
• PayU: Global payment processor with strong LATAM presence including Colombia, offering gateway, APM enablement, and fraud tools—an incumbent whose capabilities overlap with Conectamos Financiera's payment gateway and alternative payment method support.

Emerging players

• Tribal Credit: Emerging-market fintech providing B2B payment infrastructure, including issuance and credit for SMBs in LATAM—an early-stage peer with overlapping issuing/payments infrastructure ambitions for underserved enterprise segments.
• Pomelo: LATAM fintech-as-a-service platform providing issuing, processing, and account infrastructure through APIs—an emerging infrastructure player whose card-issuance and processing stack overlaps with Red Conecta's Emisión de Tarjetas and Tokenización modules.

Regional players

• DaviPlata: Colombian digital wallet and payment platform run by Davivienda, enabling payments, transfers, and financial inclusion—a same-geography player with adjacent capabilities to Red Conecta's Bre-B instant-payment and payment-gateway offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/red-conecta-conectamos

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 Red Conecta