Zona Virtual / zonapagos

What Zona Virtual / zonapagos does

Zona Virtual S.A. (commercially known as Zonapagos) is a Colombian payment technology company founded in 1998 and headquartered in Medellín, with a secondary contact line in Bogotá. The company operates a multi-channel payment collection platform (the "Zonapagos" platform) that aggregates over 50 physical and digital payment methods into a single integration, including PSE (ACH Colombia), Visa, Mastercard, Nequi, Daviplata, Bancolombia, and physical cash networks (Efecty, Redeban, Moviired, SuperGiros). Its product portfolio is organized around three core modalities — Zonaexpress (customizable virtual payment forms), Zonarecaudo (high-volume invoice collection and billing management), and Zonapay (payment gateway for e-commerce checkout) — augmented by add-on modules including QR-Link, Link de Cobro, Tokenización, Pagos Mixtos, Dispersión, Zonasegura (fraud and 3DS), and Conciliación 360 (automated reconciliation with SFTP and Asobancaria-formatted reporting).

The platform is API-first and integrates with over 30 third-party systems spanning ERP (Oracle Netsuite, SAP, Siigo), e-commerce (Shopify, WooCommerce, Magento, PrestaShop, OpenCart, Drupal), and Colombian sector-specific software (Portal Colegios, VPS, Beam, Esemtia). Zonapagos has been PCI DSS Level 1 certified for seven consecutive years (currently version 4.0.1, audited by ControlCase) and has implemented SAGRILAFT for AML/TF compliance. According to company-reported metrics, the platform processes approximately 40 million transactions per year (138 million cumulatively over five years) and serves 22 integrated client companies.

Zonapagos is privately held, has 72 employees, and is run as a sales-led, enterprise-focused B2B business targeting five primary verticals in Colombia: government entities, educational institutions, cooperatives and employee funds, public service companies (utilities), and logistics and messenger services. Revenue is generated through transaction-based fees (take rate and per-transaction commissions) on payment volume, with merchant agreements individually priced based on volume, payment methods, and integration complexity. Distribution is via direct sales through WhatsApp, phone, and a national contact line, supported by a self-service "Link de Cobro" feature for SMB merchants without websites. The company has not raised external venture or private equity capital, and growth to date has been organic.

Name

Zona Virtual / zonapagos

Legal name

Zona Virtual S.A.

Website

https://zonavirtual.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

Zonapagos is a Colombian payment gateway platform that aggregates 50+ physical and digital payment methods into a single API for enterprise and government clients in verticals including government, education, cooperatives, utilities, and logistics.

Ownership category

akta.pro rank

Product category

Payment Gateway Software

NAICS

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

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)

akta.pro secondary industries

Marketplace & Platform Seller Payouts (FSAMAKAE), Payouts, Disbursements & Marketplace Split Payments (CRAFALAI)

Keywords

• Payment gateway platform
• Multi-channel payment collection
• Phygital payment processing
• Payment reconciliation services
• Transaction processing software

Headquarters

HQ city

Medellín

HQ country

Colombia

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

Revenue model

1. Payment Gateway / Transaction Processing: Gateway model where Zonapagos processes payment transactions for merchant clients. Merchants require a collector account at a Colombian bank. Money from sales is deposited directly to the merchant's designated collector account. Commission per transaction based on payment method and volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Zonapagos operates a multi-channel payment collection platform that consolidates 50+ digital and physical payment methods (PSE, credit/debit cards, digital wallets such as Nequi and Daviplata, and cash payment networks including Efecty, Redeban, Moviired, and SuperGiros) into a single integrated solution for Colombian businesses. The platform delivers end-to-end payment processing, automated reconciliation (Conciliación 360), fraud prevention (Zonasegura with 3DS), and treasury management, with deployment via API, web services, and pre-built e-commerce plugins.

Product overview

Zonapagos is a multi-channel payment collection platform (plataforma de recaudo multicanal) that connects multiple payment methods in a single solution, offering a phygital (physical and digital) experience. The platform operates through three core modalities: Zonaexpress for customizable payment forms, Zonarecaudo for large-volume invoice collection, and Zonapay as a payment gateway for e-commerce integration. These are enhanced by add-on modules including QR-Link for physical payments, Link de Cobro for URL-based collections, Tokenización for secure card data storage, Pagos Mixtos for split payments, Dispersión for multi-account payment distribution, Zonasegura for fraud prevention and transaction security, and Conciliación 360 for automated reconciliation. The platform integrates over 50 physical and digital payment methods including PSE, credit/debit cards, digital wallets, bank correspondents, and supports connections to ERP systems and e-commerce platforms.

Differentiator

Problem solved

Functional benefit

Brands

• Zonaexpress: Form of customizable virtual collection forms for collecting information and receiving payments quickly and efficiently. Functions as a virtual deposit form that adapts to the specific needs of each business.
• Zonarecaudo
• Zonapay

Products and services

• Zonapagos Multi-channel payment collection platform that connects 50+ physical and digital payment methods in a single solution, offering a secure and efficient phygital payment experience for Colombian businesses.
• Zonaexpress

Quantifiable outcome

• Up to 80% reduction in reconciliation time for educational institutions
• +5 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration39 records

Feature9 records

Partnerships

15 partnerships are on record, tiered core.

• ACH Colombia (PSE)coreTechnology or IntegrationTechnology partner since 2004 for PSE (Pagos Seguros en Línea) payment processing through ACH Colombia network, enabling real-time bank transfers from Colombian financial institutions.
• VisacoreTechnology or IntegrationCard network partner enabling credit and debit card acceptance through Verified by Visa / 3DS authentication protocol.
• MastercardcoreTechnology or IntegrationCard network partner enabling credit and debit card acceptance through Identity Check / 3DS authentication.
• NequicoreTechnology or IntegrationDigital wallet integration for mobile payment transactions in Colombia.
• DaviplatacoreTechnology or IntegrationDigital wallet integration for mobile payment transactions from Davivienda bank users.
• BancolombiacoreTechnology or IntegrationBancolombia button payment integration for instant transfers between Bancolombia accounts. Also provides collector account services.
• EfectycoreTechnology or IntegrationPhysical cash payment network partner with 100% national coverage for in-person payment collection.
• RedebancoreTechnology or IntegrationPhysical payment network covering 91% of Colombia for cash payment collection at affiliated service points.
• MoviiredcoreTechnology or IntegrationPhysical payment network covering 85% of Colombia for cash payment collection services.
• SuperGiroscoreTechnology or IntegrationCash payment collection network covering 67% of Colombia with physical service points nationwide.
• ShopifycoreTechnology or IntegrationPre-built e-commerce connector for Shopify merchants to integrate Zonapagos payment gateway.
• WooCommercecoreTechnology or IntegrationPre-built WordPress/WooCommerce plugin for integrating Zonapagos payment gateway into online stores.
• MagentocoreTechnology or IntegrationPre-built connector for Magento e-commerce platform enabling payment gateway integration.
• PrestaShopcoreTechnology or IntegrationPre-built connector for PrestaShop e-commerce platform enabling payment gateway integration.
• OpenCartcoreTechnology or IntegrationPre-built connector for OpenCart e-commerce platform enabling payment gateway integration.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PayU: One of the largest payment gateways in Latin America, with deep Colombian coverage including PSE and major local methods. Directly competes with Zonapagos for enterprise and e-commerce merchants in Colombia while also operating across other LatAm markets.
• EBANX: Cross-border LatAm payment processor offering local payment method acceptance across the region including Colombia. Overlaps with Zonapagos in serving global merchants needing Colombian payment rails.
• dLocal: Cross-border payment processor enabling global merchants to accept local LatAm payment methods including PSE and Colombian cards. Competes for the same enterprise payment volume in Colombia as Zonapagos but with a global enterprise go-to-market.
• Kushki: LatAm-focused payment orchestration and gateway provider serving merchants across multiple countries including Colombia. Competes with Zonapagos on multi-method checkout, tokenization, and reconciliation tooling for mid-market and enterprise merchants.
• Bold: Colombian payment gateway and merchant services provider focused on SMBs and SMEs. Directly comparable as a domestic gateway competitor targeting similar verticals and offering POS, payment links, and online checkout.

Broad incumbents

• Mercado Pago: Dominant consumer-facing fintech and payment processor across Latin America. While primarily consumer wallet/checkout, it increasingly competes with gateway providers for merchant acquiring in Colombia and adjacent markets.
• Stripe: Global payment platform progressively adding Latin American payment methods including Colombian PSE. Competes with Zonapagos primarily in the online/e-commerce segment where global merchants prefer unified international rails.
• Adyen: Global enterprise payment platform expanding Latin American coverage. Competes for large enterprise merchants in Colombia with a unified global API, though with less depth on local cash methods like Efecty.

Regional players

• PagSeguro: Brazilian payment processor with expanding LatAm presence. Comparable as a regional payment gateway competitor, primarily serving Brazil rather than Colombia directly.

Emerging players

• Recurrente: Latin American subscription and recurring billing platform. Comparable on tokenization, recurring payments, and Colombian payment method coverage, but with a narrower focus on subscription business models.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCfsRM2CwSOybHL3T3vvK83w
• Facebookfacebook.com/zonapagos
• LinkedInlinkedin.com/company/zona-virtual
• Instagraminstagram.com/zonapagos

Compliance2 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 Zona Virtual / zonapagos