Tupay

What Tupay does

Tupay is a Peru-headquartered digital payments infrastructure company founded in 2024 and operating under the backing of Eron International, a fintech operator with 15+ years of sector experience. The company provides a modular B2B payment platform that unifies more than 30 payment methods — including cards, digital wallets (Yape, Plin), QR codes, and bank transfers — through a single API and PCI DSS-certified gateway (Tu Multiplay). Around this core, Tupay offers specialized modules covering mass payouts (Tu Payout), automated collections and reconciliation (Tu Recaudo), KYC/AML verification (Tu Verify), customizable payment links for WhatsApp and social commerce (Tu Link), e-commerce plugins for WooCommerce and VTEX (Tu Plug In), a quick-charge tool (Tu Payplus), and a financial ERP dashboard (Tu Panel).

The company serves large corporations, mid-market e-commerce businesses, tourism agencies, educational institutions, and PYMEs (small and medium enterprises) across Peru and Ecuador. Documented integrations extend the platform into accounting tools (Siigo, Nubefact), CRM systems (Salesforce, HubSpot, Zoho), SUNAT-compatible electronic invoicing, and WhatsApp Business, positioning Tupay as a connectivity layer between merchants, banks, regulators, and front-end channels.

Tupay's revenue model is primarily transaction-based, with take-rate fees on processed payment volume complemented by API integration and professional services for enterprise clients. Pricing is quote-based with pay-as-you-go billing and no publicly disclosed tiers. The company reports that 500+ businesses rely on its payments and compliance operations (with a separate source citing 5,000+), and disclosed transaction volume of USD 3.5M over a 6-month window indicates early but active commercial scale.

Name

Tupay

Legal name

Tupay

Website

https://tupaypagos.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Tupay is a Peru-based B2B digital payments infrastructure company offering a PCI DSS-certified, API-first platform that unifies 30+ payment methods alongside KYC, payouts, collections, and treasury modules for enterprises, e-commerce businesses, and PYMEs in Peru and Ecuador.

Ownership category

akta.pro rank

Product category

Payment Processing Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Payment processing platform
• Online payment gateway
• KYC verification services
• Mass payment disbursement
• E-commerce payment integration

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Fees: Transaction-based fees charged on payment processing through the platform, covering card payments, digital wallet transactions, QR code payments, and bank transfers.
2. API/Integration Services: Fees for API integration and technical setup services for enterprise clients requiring custom payment infrastructure implementations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Tupay provides a modular B2B payment infrastructure platform that aggregates 30+ Peruvian payment methods (Yape, Plin, cards, QR codes, bank transfers) through a single API integration. Its suite includes Tu Multiplay (unified payment gateway), Tu Payout (mass disbursements), Tu Recaudo (collections), Tu Verify (KYC/AML compliance), Tu Link (payment links), Tu Plug In (e-commerce plugins), Tu Panel (financial ERP), and Tu Payplus (quick charge), serving businesses in Peru and Ecuador.

Product overview

Tupay is a modular B2B payment infrastructure platform for the Peruvian market (with expansion to Ecuador) offering a unified platform architecture. The core engine is Tu Multiplay, a consolidated PayIn gateway that aggregates 30+ payment methods via a single integration. Surrounding it are specialized modules: Tu Recaudo (automated receivables/collections), Tu Payout (mass disbursements), Tu Verify (automated KYC/AML compliance), Tu Link (customizable payment links), Tu Plug In (e-commerce checkout plugins for WooCommerce/VTEX), Tu Panel (financial ERP/treasury dashboard), and Tu Payplus (quick-charge/cobranza). Together they cover the full payment lifecycle from collection and disbursement to compliance verification and financial reporting for enterprise clients.

Differentiator

Problem solved

Functional benefit

Brands

• Tu Verify: Automated KYC verification solution for identity validation and Anti-Money Laundering (AML) compliance in corporate online payments.
• Tu Multipay
• Tu Payout
• Tu Recaudo
• Tu Plugin
• Tu Link
• Tu Panel
• Tu Payplus
• Tu Plug In

Products and services

• Tu Multiplay Unified online payment processing platform aggregating 30+ payment methods (digital wallets, QR codes, cards, bank transfers, online banking) through a single API integration. Serves as the central PayIn engine for businesses of any sector in Peru.
• Tu Payout Mass payment disbursement solution enabling instantaneous, 24/7 payments to suppliers, employees, and strategic partners via multiple methods without dependence on banking hours. Core PayOut engine for corporate treasury operations.
• Tu Recaudo Automated receivables and collections management platform for businesses and educational institutions. Supports mass file uploads of pending orders, automated bank notifications, smart payment reminders, real-time tracking, and automatic reconciliation with direct credit to the business's settlement account.
• Tu Verify Automated KYC (Know Your Customer) identity verification and AML compliance solution for corporate online payments. Validates user identities in real time, prevents identity theft and fraud, and generates structured audit evidence for regulatory compliance under Peruvian law (PLAFT, UIF-Perú, SBS).
• Tu Link Customizable payment link generator enabling businesses to create branded payment URLs for sending via WhatsApp, social media, or email. Allows sales to be closed without a website, reducing development costs and increasing conversion rates.
• Tu Plug In E-commerce payment plugin optimized for WooCommerce and VTEX platforms. Provides sub-3-second load times, integrates all Peruvian payment methods natively, and includes PCI DSS security certification as a competitive differentiator.
• Tu Panel Financial ERP module providing consolidated financial management, real-time treasury dashboards, and integrated PayIn/PayOut visibility for corporate decision-makers (CFOs and finance teams).
• Tu Payplus Quick charge/cobranza solution enabling rapid payment acceptance. Integrates into the broader PayIn ecosystem to accelerate cash collection for high-volume business operations.

Quantifiable outcome

• Tourism agencies reduced payment cycle from 40+ days to under 15 days
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability3 records

Feature6 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• dLocal: Public, well-capitalized cross-border payments platform serving global merchants into emerging markets including Peru. Overlaps with Tupay on Peruvian method coverage but operates at much greater scale and with cross-border focus.
• Mercado Pago: Dominant LatAm digital wallet and merchant acquirer from Mercado Libre, offering online/offline payment acceptance plus credit. Competes with Tupay across Peruvian SMB and enterprise merchants with unmatched brand and capital.
• PagBank PagSeguro: Major Brazilian acquirer and full-stack payments/merchant account provider; serves as a benchmark for how a regional gateway incumbent scales into adjacent services (accounts, credit, treasury) — relevant strategic comparison for Tupay's vertical expansion plans.
• PayU LatAm: Global payments group with strong LatAm gateway presence, offering card processing, local methods, and merchant credit in markets including Peru — overlapping with Tupay on e-commerce payment aggregation.

Emerging players

• Clip: Mexican payment acceptance and SMB-focused fintech with card-present and online solutions plus payouts. Comparable go-to-market targeting SMBs and mid-market merchants that Tupay addresses via Tu Link and Tu Plug In.
• Conekta: Mexican API-first payment gateway aggregating cards, OXXO, SPEI, and local wallets with similar developer-first, omnichannel model — a relevant emerging-market analogue to Tupay's Tu Multiplay architecture.
• Bold: Colombian payment gateway serving SMBs with online checkout, payment links, and payouts via an API-led product — closely aligned with Tupay's Tu Multiplay/Tu Link offering for a different LatAm market.

Direct peers

• Niubiz: Peru's leading card-acquiring payment processor (formerly Visanet Peru), directly competing with Tupay's Tu Multiplay for merchant payment volume in the same Peruvian market across cards, QR, and digital channels.
• Izipay: BBVA-affiliated Peruvian payment gateway offering card-present and e-commerce acquiring plus QR (Yape/Plin) acceptance — a head-to-head rival for Tupay's Tu Multiplay and Tu Plug In among Peruvian merchants.
• Kushki: Latin American payment infrastructure platform with an API-first, omnichannel model aggregating local payment methods across multiple countries — comparable architecture to Tupay's Tu Multiplay across the broader Andean region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@tupaypagos
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/tupaypagos
• Instagraminstagram.com/tupaypagos

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 Tupay