Vectora SAS

What Vectora SAS does

Vectora SAS, operating under the brand name Mouv, is a Colombian payment infrastructure platform founded in 2023 and headquartered in Bogotá (Cra. 15 #93a-84 of 609). The company offers a unified API-based stack that combines multi-channel payment collection (PSE, QR codes, payment links), real-time disbursements via Colombia's Bre-B instant payment rail, cross-border international transfers (USD, EUR, MXN, COP), and an AI-powered reporting module. Target customers are Colombian businesses operating in verticals including credit fintechs, real estate, education, horizontal property administration, gig economy/delivery, payroll/EOR, marketplaces, digital wallets, gaming, remittances, and insurance.

The technical core is a direct integration with Banco de la República's Bre-B infrastructure, which enables sub-30-second disbursements to more than 50 connected financial entities (banks, cooperatives, neobanks, wallets, fintechs, SEDPEs, and cajas) on a 24/7 basis, bypassing traditional banking-hours restrictions. The developer-facing layer exposes REST APIs with OAuth 2.0, webhooks, idempotency keys, and SDKs in four languages (Node, Python, PHP, Go) backed by a 99.99% uptime SLA, with pre-built plugins for Shopify, VTEX, and WooCommerce. The AI Reporting add-on accepts natural-language queries over payment data, runs anomaly detection, and produces 30/60/90-day cash-flow forecasts. Cross-border operations are channeled under the Colombian Exchange Regulatory Regime (Circular Reglamentaria Externa DCIN-83) with UIAF monitoring and continuous KYC/KYB.

Revenue is generated through transaction-based fees on collection, disbursement, and cross-border flows; no public subscription pricing exists. Go-to-market is hybrid: self-serve registration with under-24-hour KYC/KYB, inside sales with 24-hour specialist response for mid-market, and dedicated enterprise coverage with assigned Customer Success Managers. Headcount is 10, no funding rounds are disclosed, and the company's website displays placeholder metrics ($0M processed, 0K transactions), indicating very early commercial scale despite live processing visible on the site.

Name

Vectora SAS

Legal name

VECTORA S.A.S.

Website

https://vectora.com.co

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Vectora SAS (Mouv) is a Bogotá-based payment infrastructure platform that provides Colombian businesses with multi-channel collection, real-time Bre-B disbursements, cross-border transfers, and AI-powered cash-flow reporting through a unified API.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

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

SIC

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

akta.pro industry

PRIMARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

SECONDARYFSAGALAB

Embedded Payments (Pay-ins, Pay-outs, Wallets)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAGAKAH

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity)

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

Keywords

• Payment processing platform
• Bre-B disbursement rail
• Multi-channel collection
• Cross-border transfers
• Payment infrastructure APIs

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Fees charged per transaction processed through the platform including collection (PSE/QR/links), disbursement (Bre-B/ACH), and cross-border transfers. Volume-based pricing implied by 'costos predecibles' for ACH.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Vectora SAS operates Mouv, a unified B2B payment infrastructure platform for Colombian businesses that combines multi-channel payment collection (PSE, QR codes, payment links), real-time disbursements to individuals via the Bre-B instant payment rail and to corporations via ACH, multi-currency cross-border transfers channeled through Banco de la República's exchange regime, and an AI-powered conversational reporting layer. The platform is delivered through a REST API with SDKs in four programming languages, pre-built e-commerce plugins, and a web dashboard, targeting verticals such as credit fintechs, real estate, education, payroll, marketplaces, gig platforms, and insurance.

Product overview

Mouv is a unified payment platform for Latin American businesses consisting of five integrated modules: Recaudo (multi-channel collection), Pagos Bre-B (real-time disbursements via Colombia's Bre-B instant payment rail), Cross-Border (international transfers), AI Reporting (conversational analytics with anomaly detection and forecasting), and APIs (programmatic access for developers). The platform operates as a single integrated system where all modules share infrastructure and data, enabling workflows like collecting via Recaudo and disbursing via Pagos Bre-B within the same dashboard. Mouv also offers pre-built e-commerce plugins for Shopify, VTEX, and WooCommerce.

Differentiator

Problem solved

Functional benefit

Products and services

• Recaudo Multi-channel payment collection module supporting PSE, QR codes, and dynamic payment links with automatic reconciliation to ERP systems, operating 24/7. Designed for Colombian businesses across verticals needing to collect from customers via multiple rails.
• Pagos Bre-B Instant payment disbursement module using Colombia's Bre-B real-time payment rail via Banco de la República keys (mobile, email, ID), with ACH for corporate payments. Supports individual and bulk disbursements with settlement in under 30 seconds, 24/7, to more than 50 financial entities.
• Cross-Border International transfer module enabling businesses to receive payments from clients abroad (USD, EUR, MXN, COP) and pay international suppliers. Operations are channeled through Banco de la República's exchange regime with automatic electronic change declaration and transparent exchange rates.
• AI Reporting AI-powered conversational analytics module that enables natural language queries on payment and collection data, real-time anomaly detection alerts, and cash-flow forecasting at 30, 60, and 90 day horizons without requiring SQL or data exports.
• Mouv APIs REST API infrastructure providing programmatic access to all Mouv payment functions including disbursements, collections, and cross-border transfers. Features include webhooks, idempotency keys, OAuth 2.0 authentication, multi-language SDKs (Node, Python, PHP, Go), sandbox environment, and 99.99% uptime SLA.

Quantifiable outcome

• Disbursement to beneficiary in under 30 seconds
• +3 more outcomes

Named customers1 record

Segments11 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• ShopifycoreTechnology or IntegrationE-commerce plugin integration enabling automatic payment reconciliation for Shopify merchants. Part of the platform's multi-channel collection offering.
• VTEXcoreTechnology or IntegrationIntegration partnership allowing VTEX merchants to accept PSE, QR, and payment links with automatic reconciliation through the Mouv platform.
• WooCommercecoreTechnology or IntegrationWordPress/WooCommerce plugin enabling payment collection and ERP reconciliation for small and medium e-commerce businesses.
• Colombia FintechminorGTM or Marketing PartnerIndustry association membership providing legitimacy and network access within Colombia's fintech ecosystem.
• Banco de la RepúblicacoreTechnology or IntegrationCentral bank infrastructure partnership enabling Bre-B real-time disbursement rail and regulatory compliance under Circular Reglamentaria Externa DCIN-83.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kushki: Latin American payment processor operating across Colombia, Mexico, Ecuador, Peru, Chile, and Brazil with unified API for local rails, cards, and disbursements. Closely comparable cross-country expansion model and developer-first product ethos.
• Wompi: Bancolombia's payment gateway offering PSE, card, and Nequi-based collection plus disbursements to Colombian businesses via API and plugins. Most direct domestic competitor to Mouv's Recaudo and Pagos modules given shared Colombian SMB and enterprise customer base.
• dLocal: Cross-border payments processor enabling global merchants to collect and pay out in emerging markets including Colombia and Mexico via local rails. Comparable in cross-border corridor strategy and multi-currency (USD/EUR/MXN/COP) approach.
• PlacetoPay (Evertec): Long-standing Colombian and LatAm payment gateway backed by Evertec, supporting PSE, cards, cash, and disbursements with ERP and e-commerce integrations. Comparable in target verticals (education, real estate, retail) and multi-rail product positioning.
• Bold (Colombia): Colombian payment platform offering datáfonos, payment links, and online checkout for SMBs and enterprises with plug-and-play onboarding. Comparable in Colombian SMB/enterprise target market and self-serve + sales-assisted GTM.

Broad incumbents

• Stripe: Global payments infrastructure platform increasingly expanding local payment method coverage in Latin America, including via partnerships. Comparable in developer-first API design, webhooks, idempotency, and SDK strategy, though serving a broader global audience.
• Mercado Pago: Massive LatAm payments and wallet platform covering collection, disbursements, POS, and credit across multiple countries, including Colombia. Indirect competitor in marketplace and SMB payment flows rather than a specialized API-first processor.
• PayU Latam: Global payment processor's Latin American division offering cards, PSE, Boleto, and local rails across multiple countries with enterprise-grade risk and acquiring services. Overlaps with Mouv in collection and cross-border but operates as a broad, multi-country incumbent.

Regional players

• Conekta: Mexican payment platform offering online checkout, OXXO, SPEI, and card processing with developer-focused APIs. Comparable in API-first product ethos, plugin ecosystem, and emerging-market multi-rail payment orchestration approach.
• Clip: Mexico-focused payment processor offering card acceptance, payment links, and disbursements to SMBs with strong POS presence. Comparable in verticalized payment product, developer-friendly APIs, and target on emerging-market payment modernization.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/vectora-sas

Compliance5 records

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 Vectora SAS