What Ecart Pay does

Ecart Pay S.A.P.I. de C.V. is a Mexican fintech operating as a CNBV-registered payment aggregator (registration 091187), founded in 2022 and headquartered in Monterrey, Nuevo León. The company provides a unified payment platform that processes online and in-person transactions for merchants across Latin America and select international markets. Its core product suite includes a payment processor supporting cards (Visa, Mastercard, Amex), SPEI transfers, cash deposits at 300+ retail locations, CoDi/DiMo, payment links, and interest-free installments (MSI) via 23+ Mexican bank partnerships; physical Ecart POS and POS Mini terminals; a Tap to Phone smartphone-based acceptance solution; subscriptions and direct-debit billing modules; and cross-border invoicing compliant with local tax regulations in 10+ countries. The platform is distributed via native plugins for Shopify, WooCommerce, PrestaShop, VTEX, and Tiendanube, plus a documented REST API with white-label deployment, and is sold both through self-serve product-led signup and a commercial partner referral program paying 7% commission plus a 25% team-member override.

The company monetizes primarily through transaction percentage-plus-fixed fees (Standard plan starting at 2.9% + $3.70 MXN per transaction; preferential rates on the Business plan for high-volume merchants), supplemented by one-time POS hardware sales ($1,500–$3,000 MXN) and partner-channel-driven customer acquisition. Operational differentiators include the E-Secure fraud prevention system (3D Secure, biometric authentication, fraud rules, device fingerprinting) and a payment orchestration layer with smart-retry routing across multiple processors. Notable gaps in disclosure include absence of funding history, revenue figures, transaction volume, and named leadership beyond the commercial team lead — limiting visibility into the company's financial scale and capital structure despite active product, geographic, and channel expansion through 2026.

Name

Ecart Pay

Legal name

Ecart Pay S.A.P.I. de C.V.

Website

https://ecartpay.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Ecart Pay is a CNBV-registered Mexican payment aggregator offering online and in-person payment processing, POS terminals, MSI installments, and cross-border billing for SMB e-commerce and retail merchants across 10+ countries, distributed via e-commerce plugins and a partner referral network.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF)

Keywords

• Payment processing
• Cross-border payments
• POS terminals
• Payment orchestration
• Recurring billing

Headquarters

HQ city

Monterrey

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Ecart Pay charges a percentage-based fee plus a fixed fee per transaction for payment processing. This is the primary revenue driver. Rates vary by payment method: 2.9% + $3.70 MXN + IVA for domestic cards, 3.5% + $3.70 MXN + IVA for American Express, $12.50 MXN + IVA for SPEI transfers, 2.9% + $7.00 MXN + IVA for cash deposits, and international card rates that differ. Business plan merchants receive preferential (lower) rates.
2. POS Hardware Sales: Sale of physical point-of-sale terminals to merchants. The ecart POS (full terminal with premium features) is sold for $3,000 MXN one-time. The ecart POS Mini (compact portable terminal) is priced at $1,500 MXN. Terminal rental is also offered as an alternative to purchase.
3. Partner Referral Commissions: Commercial partners earn a 7% commission on the billed amount for each sale of Ecart Pay services they refer, plus 25% of the commission generated by each team member they recruit. This creates a recurring revenue stream for the partner network while driving customer acquisition for Ecart Pay.
4. Premium Subscription (Business Plan): The Business plan offers preferential transaction rates, 24/7 specialized support, free integration assistance, customized checkout, payment flexibility, and processor connection — all for higher-volume merchants. The premium features justify higher effective revenue per transaction despite lower percentage rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Ecart Pay is a unified payment processing platform that enables merchants in Mexico and Latin America to accept online and in-person payments. It processes card transactions (Visa, Mastercard, Amex), bank transfers (SPEI), cash deposits at 300+ retail locations, CoDi/DiMo, and offers payment links, interest-free installments (MSI), subscriptions, direct debit, and multi-country invoicing. The platform includes the E-Secure fraud prevention suite, smart payment orchestration with retry logic, native plugins for Shopify/WooCommerce/PrestaShop/VTEX/Tiendanube, and a REST API with white-label options. Physical POS terminals and Tap to Phone mobile acceptance extend the platform to brick-and-mortar merchants.

Product overview

Ecart Pay is a unified payment platform offering a comprehensive suite of payment processing products. The core offering centers on the Payment Processor for online transactions, supplemented by physical point-of-sale terminals (Ecart POS and POS mini) and the Tap to Phone mobile payment solution. Additional modules include Payment Links for non-website collections, Interest-Free Installments (MSI) for installment payments, Subscriptions for recurring billing, Direct Debit for bank-based collections, Invoice Generation supporting 10+ countries, and Payment Orchestration for multi-gateway management. The platform also includes an AI-powered virtual assistant for customer support. All products integrate via plugins (Shopify, WooCommerce, PrestaShop, VTEX, Tiendanube) or REST API with white-label options.

Differentiator

Problem solved

Functional benefit

Brands

• E-Secure: Advanced security system protecting buyers and sellers, minimizing fraud and chargeback risk through 3D Secure authentication, anti-fraud rules, digital fingerprinting, proxy lists, customizable lists, transaction monitoring, and advanced security rules.
• Ecart POS
• Ecart Tap

Products and services

• Procesador de Pagos (Payment Processor) Core payment processing platform enabling merchants to accept and process online payments globally. Supports credit/debit cards, cash deposits, bank transfers (SPEI, STP), CoDi, DiMo, payment links, interest-free installments, subscriptions, and recurring payments.
• Ecart POS Terminals Physical point-of-sale terminals for in-person businesses. Includes Ecart POS (advanced terminal with large touchscreen, fast processing, integrated printer, advanced security at $3,000 MXN) and Ecart POS mini (compact portable terminal at $1,500 MXN). Both support card payments, contactless payments, chip and PIN, 4G data, and MSI installments.
• Links de Pago (Payment Links) Customizable payment links that allow merchants to collect payments without a website. Supports preset amounts or open amounts, multiple payment methods, multi-currency support, link management, shipping cost configuration, and usage limits or expiration dates.
• MSI - Meses Sin Intereses (Interest-Free Installments) Interest-free installment payment option allowing customers to pay in 3 to 24 monthly installments. Available with major Mexican banks including Banorte, Santander, HSBC, BBVA, Citibanamex, and 21 others. Increases average ticket size and conversion rates.
• Suscripciones (Subscriptions) Automated recurring payment solution for subscriptions, memberships, and services. Features automatic charges without re-requesting payment data, flexible scheduling (weekly, monthly, annual), reduced late payments, and centralized management from Ecart Pay dashboard. Ideal for education, health/wellness, SaaS, and services sectors.
• Domiciliación Interbancaria (Direct Debit) Interbank direct debit service enabling automatic collection of services directly from customers' bank accounts. Provides predictable income flow, reduced missed payments, centralized management, and secure processing for recurring services and memberships.
• Generador de Facturas (Billing/Invoicing) Invoice generation service compliant with local regulations in over 10 countries including Mexico, Chile, Colombia, Argentina, Guatemala, India, USA, Canada, Spain, and Brazil. Simplifies international transaction management from a single platform.
• Conexión de Procesadores (Payment Orchestration) Multi-gateway payment connection service that unifies multiple payment processors on a single platform. Enables international payment processor connections, centralized transaction management, intelligent retry functionality that automatically reroutes failed transactions to alternative providers to prevent lost sales.
• Tap to Phone Mobile-based contactless payment solution that converts iPhone or Android smartphones into payment terminals. No extra equipment needed; accepts contactless card payments, Apple Pay, and Google Pay directly from the merchant's phone.

Quantifiable outcome

• Transaction settlement in 2 business days for Visa and Mastercard, 2-3 business days for American Express
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability1 record

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• ShopifycoreTechnology or IntegrationEcart Pay offers two official Shopify apps: (1) 'Ecart Pay Credit Card' for transparent checkout accepting credit and debit cards with MSI support and advanced fraud protection, and (2) 'Ecart Payments' for full checkout including cards, cash, and SPEI with auto-invoicing and product/order synchronization. Both apps are listed in the official Shopify App Store and enable direct, redirect-free payment integration for Shopify merchants.
• WooCommercecoreTechnology or IntegrationEcart Pay provides a free WordPress/WooCommerce plugin enabling secure payment processing with multiple payment methods, automated payment management, and direct store integration without pop-ups. The plugin is available on the official WordPress Plugin Directory.
• VTEXcoreTechnology or IntegrationEcart Pay integrates natively with VTEX's checkout system, offering optimized payment solutions, multiple payment methods, and compliance with local regulations. Integration is available via OAuth authentication.
• PrestaShopcoreTechnology or IntegrationEcart Pay offers a downloadable PrestaShop module (pts_ecartpay.zip) enabling easy installation and configuration, multiple payment options, automatic notifications, and a transaction analytics dashboard.
• TiendanubecoreTechnology or IntegrationEcart Pay integrates with Tiendanube (a major Latin American e-commerce platform) enabling acceptance of credit cards, debit cards, cash, and SPEI payments with advanced fraud protection rules and biometric authentication.
• Participating Banks for MSI (Meses Sin Intereses)coreTechnology or IntegrationEcart Pay partners with 23+ Mexican banks to enable interest-free installment payments (MSI) for cardholders: Afirme, Banco Azteca, BanBajio, Banjercito, Banregio, Banorte, Caja Morelia Valladolid, Crediclub, Falabella, Hey Banco, HSBC, Inbursa, Invex Banco, Konfío, Liverpool Visa, Mifel, Banco Multiva, RappiCard, Santander, Scotiabank, and Suburbia Visa. These bank partnerships enable 3, 6, 9, 12, and 18-month interest-free installment options.
• Commercial Partners (Resellers and Referrers)coreChannel Partner/ Reseller/ DistributorEcart Pay's partner program enables independent agents, agencies, and ISVs to refer new merchants and earn 7% commission on transaction volume. Partners can build sales teams and earn 25% additional commission on their team's generated commissions. Partners receive a dedicated management portal, commercial materials, and training. The program is designed to create a distributed sales network across Mexico.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• PayPal: PayPal is a global digital payments platform offering online checkout, payment links, subscriptions, and POS integrations (Zettle by PayPal). It overlaps with Ecart Pay's online payment-processing, payment-links, and subscription products as a broad incumbent serving international merchants including those in Mexico and LATAM.
• Stripe: Stripe is a global integrated payment processor offering APIs, plugins for Shopify/WooCommerce, and increasingly localized LATAM payment methods. It is a broad incumbent that competes with Ecart Pay for any Mexican e-commerce or SaaS merchant seeking developer-first payment infrastructure.
• Square (Block): Square, part of Block, offers integrated POS hardware, Tap-to-Pay on iPhone, online checkout, and invoicing through a single platform. It is comparable to Ecart Pay's omnichannel product positioning as a broad global incumbent targeting SMBs with combined online and in-person acceptance.
• Adyen: Adyen is a global unified commerce platform offering online, in-person (POS), and payment-orchestration capabilities to enterprise merchants. It represents the broader incumbent end of the market that Ecart Pay's payment-orchestration and omnichannel product strategy is positioned against.

Direct peers

• Mercado Pago: Mercado Pago is the dominant online and in-person payment processor in Mexico and broader LATAM, offering cards, SPEI, installments, POS terminals, and Tap-to-Phone via smartphone. It is Ecart Pay's most direct and largest competitor in the Mexican SMB and e-commerce payment-acceptance market.
• Clip: Clip is a Mexico-based POS and payment-acceptance provider offering card terminals, Tap-to-Phone, online checkout, and links de pago for SMBs. It directly competes with Ecart Pay across both the physical POS (Ecart POS/POS Mini) and online payment-acceptance product lines targeting Mexican SMBs.
• OpenPay: OpenPay is a Mexican payment-acceptance platform owned by BBVA offering online card processing, SPEI, cash payments at convenience stores, and in-person POS solutions. It competes with Ecart Pay's online processor, payment links, and POS offerings, particularly for SMBs already banking with BBVA.
• STP (Sistema de Transferencias y Pagos): STP is a Mexican payment processor specializing in SPEI transfers and bank-based payment rails, also offering card acceptance and payment-aggregation services. It overlaps directly with Ecart Pay's online payment-processing and bank-transfer acceptance capabilities in the Mexican market.
• Conekta: Conekta is a Mexican online payment processor offering card acceptance, OXXO cash payments, SPEI, and installments (MSI) for e-commerce merchants. It is one of Ecart Pay's closest direct competitors in the Mexican online payment-aggregation space with overlapping integrations and payment methods.

Emerging players

• Kushki: Kushki is a LATAM-focused payment processor operating across Mexico, Colombia, Ecuador, Chile, Peru, and Brazil, offering online, in-person, and orchestration solutions. It is comparable to Ecart Pay as an emerging regional player targeting cross-border LATAM merchants with localized payment-method coverage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/results?search_query=ecart+pay
• Facebookfacebook.com/EcartpayOficial
• LinkedInlinkedin.com/company/ecartpay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ecart Pay