TodoPago
TodoPago is a Honduran digital payments platform serving consumers and SMB merchants through a mobile app, merchant acceptance suite (POS, Tap to Pay, payment links, QR, e-commerce plugins), a national kiosk network, and a working-capital lending product called TodoCrédito.
- Company typePrivate
- Founded-
- HeadquartersTegucigalpa, Honduras
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What TodoPago does
TodoPago is a Tegucigalpa-based digital payments platform operated by TODOMOVIL, S.A. DE C.V., a Honduran private limited company. It operates as a two-sided platform serving both consumers and businesses. The consumer-facing TodoPago App enables personal payments, peer-to-peer money transfers, mobile airtime recharges, service bill payments, and purchases from affiliated merchants, accepting Visa, Mastercard, Amex, and prepaid cards. The merchant-facing TodoPago Business suite provides payment acceptance via physical POS terminals, contactless Tap to Pay (TPago+), payment links, QR codes, e-commerce integrations through WordPress, WooCommerce, and PrestaShop plugins and APIs, recurring billing, virtual catalogs with WhatsApp integration, electronic invoicing, and online store creation. A national network of kiosks in major Tegucigalpa shopping malls supports cash-in/cash-out services and in-person onboarding for the underbanked population. The platform also supports TodoCrédito, a working-capital lending product for affiliated merchants with pre-approved amounts between L.30,000 and L.300,000 and repayment terms up to 18 months.
The technology architecture combines a mobile-first consumer app (available on Apple App Store, Google Play, and Huawei AppGallery), a dedicated merchant POS and e-commerce admin portal, and APIs/plugins for third-party integrations. Underlying payments processing relies on bank partnerships with BAC Credomatic, Banco de Occidente, and Banco CCI, card-network certifications with Visa, Mastercard, and Amex, and security infrastructure including 3D Secure authentication, IDcheck identity verification, Kount-powered fraud detection, and PCI DSS compliance. Strategic alliances span fraud prevention, identity verification, mobile carrier partnerships (Tigo and Claro) for airtime distribution, and shopping mall partners hosting the kiosk network.
The revenue model is diversified across four streams: percentage-based transaction fees (varying by merchant category 'rubro'), monthly platform subscription fees ranging from $10 to $25 per merchant, peer-to-peer money-transfer fees tiered by transaction size (L5 flat under L100, 5% between L100-L300, L15 flat above L300), and interest income from the TodoCrédito lending product. Hardware-derived revenue comes from POS terminals and prepaid card sales. Go-to-market is hybrid: product-led growth for the consumer app via app-store download and self-service onboarding, paired with direct field sales for merchant acquisition, supplemented by event-driven presence at fintech, healthcare, and regional business conferences. The company was founded in 2020 and is privately held with no disclosed parent company, institutional investor, or funding rounds.
TodoPago firmographics
Firmographics- Name
- TodoPago
- Legal name
- TODOMOVIL, S.A. DE C.V.
- Website
- https://todopago.hn
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TodoPago is a Honduran digital payments platform serving consumers and SMB merchants through a mobile app, merchant acceptance suite (POS, Tap to Pay, payment links, QR, e-commerce plugins), a national kiosk network, and a working-capital lending product called TodoCrédito.
- Ownership category
- akta.pro rank
TodoPago industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where TodoPago is headquartered
LocationHeadquarters
- HQ city
- Tegucigalpa
- HQ country
- Honduras
- HQ region
- Latin America
Offices4 records
Markets served
TodoPago business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: TodoPago charges merchants a percentage-based commission on each successful payment transaction processed through their platform. The commission varies by business category/rubro.
- Monthly Platform Fee: Monthly maintenance fee for platform access and technology availability, ranging from $10.00 to $25.00 depending on contracted services. Minimum fee of $10.00 for basic services, up to $25.00 for POS physical and additional services.
- Money Transfer Fees: Fees charged for peer-to-peer money transfers: L5.00 for amounts under L100, 5% for amounts between L100-L300, and L15.00 for amounts over L300.
- Prepaid Card Services: Sale and management of TodoPago-branded prepaid cards with transaction limits tied to minimum wage thresholds.
- Business Lending Interest: TodoCrédito provides working capital loans to merchants with pre-approved amounts based on billing history. Interest income generated from loans ranging from L.30,000 to L.300,000 with up to 18-month repayment terms.
- Mobile Top-up and Recharges: Commission from selling airtime recharges, paquetes, and superpacks for Tigo and Claro mobile carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Platform Access |
| Subscription | Monthly | Full Service Tier |
| Transaction based/ take rate | Pay-as-you-go | Transaction Commission |
| Transaction based/ take rate | Pay-as-you-go | Money Transfer - Under L100 |
| Transaction based/ take rate | Pay-as-you-go | Money Transfer - L100 to L300 |
| Transaction based/ take rate | Pay-as-you-go | Money Transfer - Over L300 |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
TodoPago product offering
Product offeringCore offering
TodoPago is a Honduran digital payments platform that provides consumer mobile wallet services (money transfers, bill payments, mobile top-ups, and marketplace purchases) alongside a merchant payment acceptance suite (POS terminals, Tap to Pay, payment links, QR codes, and e-commerce integrations), complemented by working-capital lending for affiliated merchants. The ecosystem is tied together by a national network of physical kiosks for cash-in/cash-out transactions and customer onboarding.
Product overview
TodoPago is a digital payments platform operated by TODOMOVIL, S.A. DE C.V., offering a unified portfolio of consumer and merchant financial services in Honduras. The platform is organized around three core brands: TodoPago App (consumer mobile wallet for money transfers, bill payments, mobile top-ups, and marketplace shopping), TodoPago Business (a modular merchant acceptance suite covering POS terminals, Tap to Pay, payment links, QR codes, e-commerce integrations via WordPress/WooCommerce/Prestashop plugins and APIs, online store creation, virtual catalogs with WhatsApp integration, electronic invoicing, and recurring billing), and TodoCrédito (a working-capital lending product). The ecosystem is tied together by a national network of kiosks and supports Visa and Mastercard cards across credit, debit, and prepaid variants.
Differentiator
Problem solved
Functional benefit
Brands
- TodoPago App: Mobile application for personal payments, money transfers, service payments, and purchases in affiliated merchants.
- TodoPago Business
- TodoCrédito
Products and services
- TodoPago App
- TodoPago Business
- TodoCrédito
Companies that use TodoPago
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
TodoPago technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature8 records
TodoPago partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- BAC CredomaticcoreRegional financial institution providing banking infrastructure and card processing services. BAC Credomatic operates across Central America and is a key payment network partner for card transactions.
- Banco de OccidentecoreHonduran bank ally that partnered with TodoPago at Expo Copán event and provides banking services for the payment platform ecosystem.
- Banco CCIcoreHonduran financial institution featured as strategic ally in the payment ecosystem.
- VisacoreMajor payment network enabling Visa, Visa Secure, and contactless Visa payments across the platform. Supports both credit/debit and prepaid card transactions.
- MastercardcorePayment network partner enabling Mastercard credit and debit card acceptance for user registration verification and transactions.
- 3D Secure (3DS)coreAuthentication protocol for secure online card transactions providing additional security layer for e-commerce payments.
- IDcheckcoreIdentity verification technology for secure customer authentication and fraud prevention.
- KountcoreFraud detection and prevention technology partner providing AI-powered risk assessment and anti-fraud capabilities.
- PCI Security Standards CouncilcorePCI compliance certification ensuring secure payment card data handling and industry security standards.
- TigominorMobile carrier partner for airtime recharge, paquetes, and superpacks sales through the TodoPago app.
- ClarominorMobile carrier partner for airtime recharge, paquetes, and superpacks sales through the TodoPago app.
- Cascadas MallminorShopping mall partner hosting TodoPago kiosk location for customer service and transactions.
- Mall PremierminorShopping mall partner hosting TodoPago kiosk location for customer service and transactions.
- Plaza MirafloresminorShopping center partner hosting TodoPago kiosk location for customer service and transactions.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
TodoPago competitors and assessment
Company assessmentDirect peers
- Nequi: Mobile wallet from Bancolombia serving Colombian consumers with P2P, bill pay, savings, and merchant payments — a comparable consumer digital wallet play operating in another LatAm market.
- Clip: Mexico-based POS and mobile payment acceptance platform serving SMBs with hardware terminals, Tap to Pay, payment links, and e-commerce plugins — same SMB acquiring playbook as TodoPago Business, just at much larger scale.
- RecargaPay: Brazilian mobile payment app combining P2P transfers, bill pay, airtime top-ups, and merchant QR acceptance — directly comparable product mix including telco mobile top-ups that mirror TodoPago's Tigo/Claro offering.
- Tigo Money: Mobile money service operated by Millicom's Tigo across Central America, offering P2P transfers, bill pay, airtime, and merchant acceptance — directly overlapping with TodoPago's consumer wallet and merchant suite in Honduras.
- Bold: Colombian fintech providing card-present and card-not-present acceptance, payment links, and merchant tooling aimed at SMBs — directly comparable SMB acquiring and digital payment focus.
Emerging players
- Konfío: Mexican SMB lending platform underwriting small businesses using alternative data — analogous to TodoCrédito's data-driven working capital lending product for affiliated merchants, but with much larger scale.
- Ualá: LatAm consumer digital wallet and prepaid card platform operating across Argentina, Mexico, and Colombia with financial inclusion focus — comparable underbanked-segment consumer payments strategy.
Broad incumbents
- dLocal: LatAm-focused cross-border payments processor connecting global merchants to local payment methods across emerging markets — comparable in its Central American payment-rails focus and SMB merchant enablement.
- Mercado Pago: The dominant LatAm digital wallet, merchant acquiring, and online payments platform from MercadoLibre — competes across consumer payments, SMB acquiring, and credit, but as a much broader incumbent with super-app scale.
- BAC Credomatic: Central America's largest financial group providing cards, acquiring, and digital banking across the region — both a strategic partner and competitor to TodoPago in Honduras merchant acquiring.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
TodoPago social profiles
Digital presenceTodoPago compliance and trust
Trust signalCompliance1 record
TodoPago financial estimates
Financial estimateRevenue estimate
Valuation estimate
TodoPago leadership team
Management profileNumber of profiles
TodoPago funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TodoPago 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 TodoPago
What does TodoPago do?
TodoPago is a Honduran digital payments platform that provides consumer mobile wallet services (money transfers, bill payments, mobile top-ups, and marketplace purchases) alongside a merchant payment acceptance suite (POS terminals, Tap to Pay, payment links, QR codes, and e-commerce integrations), complemented by working-capital lending for affiliated merchants. The ecosystem is tied together by a national network of physical kiosks for cash-in/cash-out transactions and customer onboarding.
Is TodoPago a public or private company?
TodoPago is a private company. It is classified as unknown and is currently operating.
When was TodoPago founded?
TodoPago was founded in -1. It employs 1 to 10 people.
Where is TodoPago based?
TodoPago is headquartered in Tegucigalpa, Honduras, in the Latin America region.
How does TodoPago make money?
Six revenue lines are on record. Transaction Fees are the primary driver. The others are monthly Platform Fee, money Transfer Fees, prepaid Card Services, business Lending Interest and mobile Top-up and Recharges.
Who are TodoPago's main competitors?
Direct peers on record are Nequi, Clip, RecargaPay, Tigo Money and Bold. Emerging players are Konfío and Ualá. Broad incumbents are dLocal, Mercado Pago and BAC Credomatic.
Does TodoPago have an API?
Yes. TodoPago offers API integration for e-commerce stores and mobile applications to connect to its payment gateway. For stores built on WordPress, WooCommerce, or Prestashop, integration is via Plugins. For natively developed online stores or billing software, integration is via APIS. Mobile applications also integrate via APIS.
What industry is TodoPago in?
TodoPago's product category is Payment Processing. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 52232.