What Trazo does

Trazo is a Colombian FinOps platform (legal entity TRAZO TECNOLOGÍA SAS, founded 2021, headquartered in Manizales) that centralizes payment collection, reconciliation, and disbursement for logistics and e-commerce operations. The platform connects directly to the Colombian banking network to verify payments in real time, eliminating fraudulent receipts that historically relied on screenshots or manual confirmation, and integrates with customer TMS/ERP systems to automatically reconcile invoices the moment a payment is confirmed. Its product portfolio is modular: Recaudo Última Milla (last-mile collection), E-Commerce (online retail collections), Procesamiento de Pagos (multi-channel payment processing), Dispersiones (mass payouts), and Crédito (credit repayment management), all accessed through a real-time dashboard at dashboard.trazo.co. Supported payment methods include Nequi, Daviplata, PSE bank transfers, debit/credit cards, and cash via banking correspondents. The company serves enterprise customers including Cabify, Cluvi, Dafiti, Farmu, Flybox, Mastercard, Moova, Plemsi, Pluria, and Visible across last-mile delivery, mobility, e-commerce, and financial services.

Revenue is generated through transaction-based commissions on payment collection (recaudo) and disbursement (dispersiones) services, with fees defined per commercial proposal and governed by a 'contrato de mandato' (mandate contract) structure that is multi-year in nature. Pricing is not publicly disclosed; the company notes that 'las tarifas vigentes serán las establecidas en la propuesta comercial.' The go-to-market is enterprise sales-led with a primary CTA of scheduling demos via Google Calendar, supplemented by a self-service dashboard for existing customers authenticated via WhatsApp or SMS OTP. Distribution is currently Colombia-only, though the company states GDPR compliance posture and maintains partnerships with Mastercard, Nequi, Daviplata, and PSE as integration partners. The company is small (10 employees) and operates without disclosed external funding.

Name

Trazo

Legal name

TRAZO TECNOLOGÍA SAS

Website

https://trazo.co

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Trazo is a Colombian FinOps platform that automates payment collection, reconciliation, and disbursement for logistics and e-commerce enterprises via banking network and TMS/ERP integrations. It serves enterprise customers including Cabify, Dafiti, Mastercard, Farmu, and Pluria, primarily in Colombia.

Ownership category

akta.pro rank

Product category

Logistics Payment Operations

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH)

akta.pro secondary industries

Marketplace & Platform Seller Payouts (FSAMAKAE), Receivables Management (Collections, Lockbox, EIPP) (FSABAIAA)

Keywords

• Payment reconciliation platform
• Last-mile collection software
• Logistics payment processing
• Mass disbursement payouts
• Fraud detection payments

Headquarters

HQ city

Colombia

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Collection Services (Recaudo): Commission-based fees charged to merchants (Comercios/Mandantes) for collecting payments on their behalf. Fees are established in commercial proposals and vary by contract.
2. Payment Disbursement Services (Dispersiones): Fees for executing mass payouts and dispersions to third parties, including drivers, suppliers, or other stakeholders in the logistics chain.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Trazo provides a unified FinOps platform for logistics and e-commerce operations that centralizes payment collection (recaudo), reconciliation, payment processing, mass disbursements (dispersiones), and credit management. The platform connects directly to the Colombian banking network to verify payments in real time and eliminate fraudulent receipts, integrates with customer TMS and ERP systems for automatic invoice-to-payment reconciliation, and layers AI-driven analytics for fraud detection and predictive operational insights. Enterprise customers in Colombia and broader LATAM contract Trazo through individual mandate agreements (contrato de mandato) to manage end-to-end money flow in their delivery, e-commerce, mobility, and multi-service operations.

Product overview

Trazo is a unified FinOps platform for logistics operations, offering a modular portfolio of collection (recaudo), payment processing, disbursement (dispersiones), and credit management solutions. The core Trazo Platform serves as the central hub for money flow management, with specialized modules including Recaudo Última Milla for field collection tracking, E-Commerce for online retail collections, Procesamiento de Pagos for multi-channel payment handling, Dispersiones for mass payouts, and Crédito for credit/delivery management. These products share common infrastructure for automatic reconciliation, fraud detection, and liquidity management, enabling operations to close daily reconciliation up to 10x faster while reducing fraud by up to 90%.

Differentiator

Problem solved

Functional benefit

Products and services

• Recaudo Última Milla (Last-Mile Collection)

Quantifiable outcome

• Reduce reconciliation time by up to 85%
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability3 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• MastercardcoreTechnology or IntegrationPayment network partner enabling credit and debit card processing through Trazo's platform. Customers can pay using Mastercard cards through Trazo's payment collection infrastructure.
• NequicoreTechnology or IntegrationDigital wallet payment method integrated into Trazo's platform, allowing customers to make payments through Nequi digital wallet for collection transactions.
• DaviplatacoreTechnology or IntegrationDigital wallet payment method (Bancolombia) integrated into Trazo's platform, enabling Daviplata as a payment collection option for customers.
• PSE (Pagos Seguros en Línea)coreTechnology or IntegrationBank transfer payment method integrated through ACH connections, enabling PSE online bank transfers as a payment option for Trazo collections.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Conekta: Mexican payment processor with growing LATAM presence offering online payment acceptance and payouts. Comparable as a regional PSP focused on emerging-market payment methods, though concentrated in Mexico rather than Colombia.

Direct peers

• Bold: Colombian payment processor offering card-present and digital payment acceptance with reconciliation tools. Closest domestic peer to Trazo given shared Colombian market, multi-payment-method support, and merchant reconciliation focus.
• Wompi: Bancolombia-owned Colombian payment gateway supporting cards, PSE and transfers with API-based integration. Comparable to Trazo as a domestic Colombian PSP serving merchants with reconciliation and disbursement.
• Kushki: LATAM-focused payment infrastructure company spanning multiple countries including Colombia. Comparable to Trazo in offering multi-method payments and orchestration, though broader geographically.

Broad incumbents

• dLocal: Publicly-listed cross-border payment processor enabling global merchants to accept LATAM payment methods. Comparable to Trazo in Colombian payment-method coverage, but focused on cross-border rather than domestic logistics.
• Mercado Pago: LATAM payments giant with strong presence in Colombia supporting wallets, cards, and disbursements. Comparable as a multi-method payment and disbursement provider, but much broader and consumer-facing.
• Stripe: Global payment platform increasingly expanding into LATAM with reconciliation, payouts (Stripe Connect), and fraud tooling (Stripe Radar). Comparable to Trazo in capabilities, though far broader and global rather than logistics-vertical focused.
• PayU Latam: Major emerging-markets payment processor with strong LATAM footprint, including Colombia. Comparable to Trazo for multi-method online payments, but operates as a broad incumbent serving many verticals.
• Evertec: Caribbean and LATAM payment processor and technology provider offering acquiring, processing and reconciliation services. Comparable as a regional incumbent in payments infrastructure, though more enterprise/B2B in orientation.

Emerging players

• Nimbus: Colombian fintech providing payment links, collections and disbursement tools for SMEs. Comparable to Trazo as a domestic Colombian emerging player in collection and disbursement workflows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/trazo-co

Compliance1 record

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 Trazo