What Unired does

Unired S.A. is an Argentine private corporation founded in 1999 that provides end-to-end payment infrastructure and card processing for financial institutions, municipalities, mutuals/clubs, and retail enterprises. Its core technology stack comprises two proprietary web-based platforms — SAT (Sistema de Administración de Medios de Pago) for payment media administration and STP (Sistema para Transacciones y Procesos) for routing transactions to data capture devices — both synchronized in real time and parameterized per client. Around these platforms, Unired operates a 24/7 monitored data center (colocated at Telecom Argentina's Ricardo Rojas facility), integrates with Argentina's three principal payment networks (Posnet/First Data, LaPos/Prisma, and Red Link), and supplies POS terminals, plastic card embossing, BIN/INN homologation via IRAM, e-commerce (E-Posnet), IVR authorization, POSWEB, homebanking, a clearing network, mass SMS/email communication, a BI dashboard, and legal advisory on Argentine financial regulation. The company holds ISO 9001:2015 certification covering payment media provision across the public and private sectors.

The business model combines multiple revenue streams: per-transaction authorization fees across Posnet, LaPos, and Red Link; recurring SAT system licensing with quarterly price adjustments indexed 60% to CVS (salary variation), 20% to USD, and 20% to IPIM; managed services (hosting, housing, monitoring); hardware sales (POS terminals, card provision and embossing); and professional services (legal advisory, custom development). Pricing requires a 50/50 entry-fee split (signing and implementation) over multi-year contracts, with Red Link access secured by a time-deposit guarantee equivalent to one day of transaction volume. Implementation runs ~60 days with remote training included.

Unired sells exclusively through direct enterprise B2B field sales, targeting four primary segments — financial institutions/emitters, government and municipal entities, clubs/mutuals/cooperatives, and retail/commercial enterprises — supported by a website budget-request funnel and modest LinkedIn/Facebook/Twitter/Instagram presence. Geographic scope is Argentina-only, with no disclosed expansion plans, no funding rounds, no M&A activity, and founder/management ownership (President Pablo Arturo Bulla and Directors Edgardo José Viaplana and Francisco Pablo Bulla). No revenue, headcount, or growth metrics are publicly disclosed.

Name

Unired

Legal name

Unired S.A.

Website

https://unired.com.ar

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Unired S.A. is an Argentine B2B payment infrastructure provider, founded 1999, offering proprietary SAT/STP platforms, data center services, and card processing integrated with Posnet, LaPos, and Red Link for financial institutions, municipalities, mutuals, and retailers in Argentina.

Ownership category

akta.pro rank

Product category

Payment Processing Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Facilities Management Services (541513), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

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

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Card Issuing & Program Management Platforms (BPAMAFAH), Data Center Operations & Managed Services (Remote Hands, NOC/SOC) (HDABANAA)

Keywords

• Payment processing infrastructure
• Card management systems
• Transaction authorization services
• POS terminal networks
• Data center hosting

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Authorization Services: Fees charged for processing payment transactions through Posnet, LaPos, Red Link networks, including real-time authorization, batch closures, cancellations, and transaction management. Services cover cash withdrawals, bill payments, and electronic payments.
2. Data Center Services: Hosting (information hosted on company equipment), Housing (client-owned equipment hosting), and 24/7 Monitoring services. Includes disaster recovery and redundancy systems.
3. System Licensing (SAT): Payment administration system licensing with parametrization for specific business needs. Customers can add features by paying the difference. Costs updated quarterly based on CVS, USD exchange rate, and IPIM indices.
4. Card Provision and Personalization: Supply of plastic cards, embossing services (relief and flat), and personalization for credit cards, prepaid cards, loyalty cards, and social assistance cards.
5. POS Terminal Provision: Sale of POS terminals including Dial Up, GPRS fixed, GPRS mobile, PIN PAD RED MOB, and dongle devices for cellular payment processing.
6. Clearing and Settlement: Cross-entity clearing allowing clients to use other clients' merchant networks, with guaranteed compensations and merchant payment settlements.
7. E-Posnet E-Commerce: E-commerce payment gateway integrated into merchant websites for card transaction processing.
8. IVR and Communication Services: Interactive voice response services and mass email/SMS sending for customer communication including payment reminders, promotions, and account summaries.
9. Legal and Corporate Advisory: Legal advisory services for financial entities covering banking regulations, consumer protection, data protection laws, and corporate structuring.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Unired S.A. provides end-to-end payment infrastructure and data center services for Argentine financial institutions, municipalities, cooperatives, clubs, and retail enterprises. Its core offering centers on the SAT (Sistema de Administración de Medios de Pago) web-based payment administration platform and the STP (Sistema para Transacciones y Procesos) transaction processing middleware, which are integrated with the country's primary POS networks (Posnet, LaPos, Red Link). The company supplies the full stack: software platforms, hardware (POS terminals and plastic cards with embossing), 24/7 data center hosting/housing/monitoring, BIN/INN registration, e-commerce and web/mobile authorization channels, and complementary professional and legal services.

Product overview

Unired S.A. is a payment infrastructure and card processing company founded in 1999, operating as a platform-plus-modules architecture. The core offering centers on the SAT (Sistema de Administración de Medios de Pago) — a web-based payment administration system — and the STP (Sistema para Transacciones y Procesos) for connecting to data capture networks. These are supplemented by multiple transaction channels (E-Posnet for e-commerce, IVR for phone authorizations, POSWEB for web-based processing, Homebanking, and Clearing), hardware products (POS terminals, card provisioning and personalization), a Data Center (hosting, housing, monitoring), and specialized card programs (credit, prepaid, loyalty, social assistance, municipal citizen, and good taxpayer cards). The portfolio also includes BIN/INN management services, mass communication tools (SMS/email), a Business Intelligence dashboard, legal advisory, and custom development services. Unired integrates with major Argentine payment networks including Posnet (First Data), LaPos (Prisma), and Red Link, providing end-to-end coverage for payment processing and data transmission in both public and private sectors.

Differentiator

Problem solved

Functional benefit

Brands

• SAT (Sistema de Administración de Medios de Pago): Sistema de Administración de Medios de Pago - Administration system for payment cards, credits, and benefits
• STP (Sistema para Transacciones y Procesos)
• E-Posnet
• POSWEB
• IVR (Interactive Voice Response)

Products and services

• SAT (Sistema de Administración de Medios de Pago) Web-based, real-time-synchronized payment administration platform for B2B clients (financial institutions, municipalities, cooperatives, clubs, retailers). Manages credit cards, purchase cards, cash loans, prepaid cards, loyalty programs, social assistance cards, municipal citizen cards, and good taxpayer cards through modules for client management, plastic card lifecycle, merchants, operations, direct debits, and credit/cash administration.
• STP (Sistema para Transacciones y Procesos) Transaction and process middleware that interconnects Unired's SAT platform (or any third-party payment administration system) with any data capture device – POS terminals (Posnet, LaPos), Red Link, Posweb, IVR, smartphones, QR codes, barcode readers – for real-time authorization and processing.
• E-Posnet (E-Commerce Payment Gateway) Online transaction validation and authorization service integrated into merchant shopping carts, providing secure card data entry, real-time authorization/rejection processing, and a transaction history portal for online sales, cancellations, and refunds. Targets merchants selling products and services via websites.
• IVR (Interactive Voice Response) Automated telephone response system that provides 24/7 interactive voice services for transaction authorizations, balance inquiries, and card loss reporting. Delivers personalized audio messages per client and reduces operational call-center costs.
• POSWEB Web-based authorization service enabling merchants to process sales via PC (with optional magnetic stripe reader) or mobile phone with internet connection, providing the same capabilities as physical Posnet/LaPos terminals at lower transaction costs.
• Homebanking Personalized online and mobile banking platform providing 24/7 account access for cardholders – available limits, recent and pending transactions, account statements, points summaries, and rewards information.
• Clearing (Inter-Entity Clearing Service) Inter-entity clearing service enabling Unired clients to use each other's merchant networks, allowing cardholders to make purchases at merchants where their issuing entity lacks coverage, with automated compensation and payment settlement between parties.
• BIN/INN Services Bank Identification Number (BIN) and Issuer Identification Number (IIN) services that let companies use Unired's pre-homologated codes, integrate their own BIN/INN, or obtain and certify a new BIN/INN through IRAM for Posnet, LaPos, and Red Link networks.
• Data Center Services (Hosting, Housing, Monitoreo) 24/7 monitored data center with redundant power systems (UPS and automatic generators), climate control, fiber/telephone high-speed connections with provider redundancy, centralized remote monitoring, and a documented Disaster Recovery Plan. Services cover Hosting (information on Unired equipment), Housing (client-owned equipment hosted on-site), and continuous Monitoring.
• POS Terminal Provision Sale of POS terminals and accessories including POS Dial Up (fixed telephone), POS GPRS (fixed cellular), POS GPRS Móvil (portable, battery-operated), PIN PAD RED MOB, cellular dongles, and magnetic stripe readers, for connection to Posnet/LaPos networks.
• Card Provision and Personalization Supply and personalization of plastic cards, embossing services (raised and flat), and provision of embossing printers, supporting credit cards, prepaid cards, loyalty cards, and social assistance cards.
• Tarjeta de Crédito, Compras, Préstamos y Beneficios (Credit, Purchasing, Loan and Benefits Card Programs) Credit, purchasing, and cash-loan card programs run by Unired's clients (businesses, cooperatives, mutuals, clubs) to offer credit and purchase services to their customers and members at affiliated merchants. Administered through the SAT platform.
• Tarjeta para Grupo Cerrado de Compras (Closed-Group Purchasing Card) Closed-loop purchasing card for department stores and businesses offering credit and loyalty to customers, restricted to purchases within the issuing retailer's branches or associated business network.
• Tarjeta Prepaga (Prepaid Card) Prepaid reloadable card used for value preloading, loan disbursements, subsidies, social benefits, scholarships, student spending accounts, and similar use cases.
• Tarjeta de Fidelización (Loyalty Card) Loyalty, gift card, and points-club programs for customer retention, relationship building, and purchase behavior analytics. Includes gift cards, points clubs, and reward systems.
• Tarjeta de Asistencia Social (Social Assistance Card) Social-assistance card program for administering state-funded aid with transparency, eliminating physical merchandise transport costs, ensuring 100% delivery to recipients, and preventing duplicate benefits.
• Tarjeta Buen Contribuyente (Good Taxpayer Card) Municipal/government good-taxpayer card that rewards compliant citizens with merchant discounts to improve tax collection and stimulate local commercial activity.
• Tarjeta Ciudadana Municipal (Municipal Citizen Card) Multi-purpose municipal citizen card combining social programs, city branding, municipal employee identification, payroll cards, access control, scholarship delivery, and microcredit services.
• Asesoramiento Legal y Societario (Legal and Corporate Advisory) Legal advisory for financial card issuers covering Argentine financial law, BCRA regulation, consumer protection, data protection, tax treatment, corporate formation, and judicial dispute resolution.
• Desarrollos a Medida (Custom Software Development) Bespoke software development services for designing and implementing tailored payment and data transmission solutions for specific client business requirements.

Quantifiable outcome

• 100% of help reaches intended recipients through social assistance cards
• +1 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• Posnet (First Data S.A.)coreTechnology or IntegrationNetwork partnership for POS terminal authorizations. Unired interconnects client systems with Posnet network for real-time transaction authorization, batch closures, cancellations, and transaction management. Posnet provides national coverage in Argentina.
• LaPos (Prisma Medios de Pago S.A.)coreTechnology or IntegrationNetwork partnership for LaPos POS terminal authorizations. Unired interconnects client systems with LaPos network for real-time transaction processing with national coverage.
• Red LinkcoreTechnology or IntegrationPartnership for ATM cash withdrawals, Link Pagos bill payment service, and Pago Electrónico Inmediato (PEI) instant payment button. Enables Unired clients to offer cash withdrawals and electronic payment services.
• Telecom ArgentinacoreTechnology or IntegrationData center colocation partnership. Unired's data center operations are housed in Telecom's facility in Ricardo Rojas, Buenos Aires, sharing infrastructure for hosting, housing, and disaster recovery services.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/UniredSA
• Facebookfacebook.com/UniredSoluciones
• LinkedInlinkedin.com/company/unired-sa
• Instagraminstagram.com/uniredargentina

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Unired