Puntoxpress

What Puntoxpress does

Puntoxpress, S.A. de C.V. is a privately-held Salvadoran payment network founded in 2009 that operates a multi-channel correspondent platform for bill payment, financial services, and cash-based e-commerce across El Salvador and Nicaragua. The company combines a physical network of 950+ payment points in El Salvador and 650+ in Nicaragua (hosted inside retailers such as Walmart, Súper Selectos, Farmacias Económicas, and Almacenes Vidrí) with an online portal (online.puntoxpress.com) that uses card tokenization (Pex Token) for digital bill payment, mobile recharge, and money transfer. Its service portfolio spans credit card bill payment for five Salvadoran banks (Banco Cuscatlán, Banco Agrícola, Scotiabank, Banco Simón, Prisma Moda), utility bill collection, payroll processing, cash withdrawals and loan disbursements (Credisiman, Multimoney), subsidy disbursement, credit report retrieval (Dicom-Equifax), and a "Botón de Pago" feature that lets e-commerce merchants accept cash payments at physical locations by issuing reference numbers and barcodes.

Puntoxpress makes money primarily through per-transaction administrative fees charged to end consumers on each bill payment or service processed through its platform, supplemented by correspondent/collection revenue from affiliated billers and government entities. Go-to-market runs through two parallel channels: (i) physical retail payment points distributed via channel partners such as supermarkets, pharmacies, gas stations (Gasolineras DLC, Estaciones Pronto), and banks (Banco Azul, BFA), and (ii) a self-serve online portal plus Botón de Pago, an embedded/white-label cash-payment integration for online merchants targeting unbanked consumers. The company employs 51-100 people, is registered as an S.A. de C.V. under El Salvador law (NIT 0614-120109-101-7), is headquartered at Avenida La Capilla #700, Colonia San Benito, San Salvador, and discloses no funding rounds, parent entity, or ownership structure.

Name

Puntoxpress

Legal name

Puntoxpress, S.A. de C.V.

Website

https://puntoxpress.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Puntoxpress is a Salvadoran payment network operating 950+ payment points in El Salvador and 650+ in Nicaragua, serving consumers with bill payment, mobile recharge, credit card payment, and cash withdrawal services, and offering e-commerce merchants a cash-on-delivery-style "Botón de Pago" payment button for unbanked buyers via its online portal.

Ownership category

akta.pro rank

Product category

Payment Processing Services

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industry

Marketplace & Platform Seller Payouts (FSAMAKAE)

Keywords

• Bill payment network
• Payment processing services
• Financial correspondent services
• Cash payment solutions
• Mobile recharge services

Headquarters

HQ city

San Salvador

HQ country

El Salvador

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Administrative Transaction Fees: Puntoxpress charges administrative fees for each payment transaction processed through its platform. These fees are separate from the actual service payments and are the primary revenue stream for the company.
2. Correspondent/Collection Services: Revenue generated from collecting payments on behalf of affiliated businesses, financial institutions, and government entities. Puntoxpress acts as an authorized collecting agent for various service providers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Puntoxpress operates a correspondent/agent payment network that lets consumers pay utility bills, credit cards, loans, mobile recharges, government taxes, and online-merchant purchases at physical retail locations or via its online portal. It acts as a collecting agent for banks, utilities, telecoms, government entities, and e-commerce merchants across El Salvador and Nicaragua.

Product overview

Puntoxpress operates a multi-service bill payment and financial correspondent network across El Salvador and Nicaragua. The core platform consists of a physical payment point network (with over 950 points in El Salvador and 650 in Nicaragua) combined with Puntoxpress Online for digital payments. The portfolio includes: Puntoxpress Online (online payment portal), Corresponsalía Financiera (loan payment services), Pagos de Tarjetas (credit card payments), Pagos de Facturas (utility bill payments), Recargas de Celular (mobile recharges), Informes Crediticios Dicom-Equifax (credit reports), Pago de Planillas (payroll), Retiros de Efectivo y Desembolsos (cash withdrawals), Cobro de Subsidios (subsidy disbursements), Botón de Pago (cash payment button for e-commerce), Pex Distribución (B2B cash collection), and Pex Token (card verification). The physical network serves as a correspondent banking channel while the online platform enables remote bill payment and card-based transactions.

Differentiator

Problem solved

Functional benefit

Brands

• Botón de Pago Puntoxpress: Cash payment button service enabling online purchases without credit/debit cards, allowing payments at over 930 Puntoxpress locations across El Salvador.
• Pex Distribución
• Pex Token

Products and services

• Puntoxpress Online Online self-service payment platform that lets registered users pay utility and service bills, recharge mobile phones, and send money nationwide using Visa or Mastercard credit/debit cards. Targets consumers who prefer digital channels.
• Corresponsalía Financiera (Financial Correspondent Banking) Financial correspondent service allowing consumers to pay loans and make other bank-related payments at the network of Puntoxpress payment points.
• Pagos de Tarjetas (Credit Card Payments) Service enabling users to pay credit card bills from Banco Cuscatlán, Banco Agrícola, Scotiabank, Simán, and Prisma Moda at any Puntoxpress location.
• Pagos de Facturas (Bill Payments) Multi-biller utility and service bill payment service accepting payments for electricity, water, fixed and mobile phone, internet, cable, insurance policies, education, and other services.
• Recargas de Celular (Mobile Recharges) Mobile phone airtime recharge service supporting multiple domestic mobile phone carriers.
• Pago de Planillas (Payroll) Payroll disbursement service enabling employers to pay employee payroll and household maintenance expenses at designated Puntoxpress partner locations.
• Retiros de Efectivo y Desembolsos (Cash Withdrawals and Disbursements) Cash withdrawal and disbursement service for previously approved Credisiman card withdrawals and Multimoney loan disbursements, processed at Puntoxpress locations with extended hours.
• Cobro de Subsidios (Subsidy Disbursement) Subsidy disbursement service allowing beneficiaries to collect private, public, and NGO subsidies at Puntoxpress locations.
• Botón de Pago (Cash Payment Button) Embedded payment button for e-commerce merchants that generates reference numbers and barcodes emailed to customers; the customer then pays cash at any of the 930+ Puntoxpress-affiliated locations. Targets unbanked consumers and the merchants who want to serve them.
• Pex Distribución B2B cash-collection service designed to facilitate sales processes and improve collection management between manufacturers, wholesalers, retailers, and end customers.
• Pex Token Card verification service that confirms the ownership of Visa or Mastercard credit/debit cards during user registration on Puntoxpress Online via a temporary charge reversed after the customer enters the authorization amount.

Quantifiable outcome

• 950+ payment points available in El Salvador
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core.

• Banco CuscatláncoreChannel Partner/ Reseller/ DistributorCredit card payment processing partner allowing Puntoxpress customers to pay Banco Cuscatlán credit card bills at physical payment points
• Banco AgrícolacoreChannel Partner/ Reseller/ DistributorCredit card payment processing partner allowing Puntoxpress customers to pay Banco Agrícola credit card bills at physical payment points
• Banco ScotiabankcoreChannel Partner/ Reseller/ DistributorCredit card payment processing partner allowing Puntoxpress customers to pay Scotiabank credit card bills at physical payment points
• CredisimancoreChannel Partner/ Reseller/ DistributorCash withdrawal and disbursement services for Credisiman-approved customers at Puntoxpress locations with extended hours
• MultimoneycoreChannel Partner/ Reseller/ DistributorPre-approved loan disbursement services for Multimoney customers at Puntoxpress locations
• Súper SelectoscoreChannel Partner/ Reseller/ DistributorHost location for Puntoxpress payment point network - major supermarket chain providing physical space for payment services
• WalmartcoreChannel Partner/ Reseller/ DistributorHost location for Puntoxpress payment point network at Walmart retail stores
• Gasolineras DLC (Gasolinera del Lago de Coatepeque)coreChannel Partner/ Reseller/ DistributorHost location offering payroll planilla payments and household maintenance expense payments at DLC fuel stations
• Estaciones ProntocoreChannel Partner/ Reseller/ DistributorHost location for Puntoxpress payment points in Nicaragua - fuel station chain
• Utility Providers (Electricity, Water, Telecom)coreChannel Partner/ Reseller/ DistributorService providers who have authorized Puntoxpress to collect payments for electricity, water, fixed and mobile telephony, internet, cable, and insurance policies

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• ToditoCash: ToditoCash operates a payment network in Mexico allowing cash bill payments and mobile top-ups at affiliated stores. Mirrors Puntoxpress's offline cash-payment aggregation model with similar biller mix.
• SuRed: SuRed is one of Mexico's largest financial correspondent networks, enabling consumers to pay utility bills, telecom, and credit card balances at affiliated retail points. The closest direct analog to Puntoxpress's correspondent network business in a larger geography.
• Pagadito: Pagadito is a Central American payment aggregator operating across Guatemala and other regional markets, enabling online and point-of-sale bill payments and merchant collections — directly comparable to Puntoxpress's payment network model in El Salvador and Nicaragua.

Broad incumbents

• PagSeguro: PagSeguro is a Brazilian payment processor and acquirer offering POS, online checkout, and merchant credit. Comparable to Puntoxpress as a multi-channel payment platform serving consumers and merchants in Latin America.
• Western Union: Western Union operates a global money transfer and bill payment network with extensive Central American agent presence. Comparable to Puntoxpress in cash-based payment collection and disbursement services.
• Mercado Pago: Mercado Pago is the dominant consumer and merchant payments platform across Latin America, offering bill payments, QR payments, credit, and disbursements. Comparable to Puntoxpress in payments orchestration but at vastly greater scale across the region.
• PayPal: PayPal operates a global digital payments platform with bill payment capabilities via Xoom in Latin America. Comparable to Puntoxpress Online's digital payment functionality for cross-border bill payment and consumer remittances.
• dLocal: dLocal is a LatAm-focused payment infrastructure provider enabling global merchants to accept local payment methods across emerging markets, including cash voucher networks. Relevant incumbent comparable for Puntoxpress's payment facilitation infrastructure.
• OXXO (Femsa): OXXO operates Mexico's largest convenience-store payment network, enabling cash bill payments at thousands of retail locations. A scaled, established version of Puntoxpress's physical correspondent network model.

Emerging players

• Tigo Money: Tigo Money is a mobile money platform operated by Millicom (Tigo) across Central America including El Salvador, offering bill payments, transfers, and cash-in/cash-out — overlapping directly with Puntoxpress's consumer payment and disbursement services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/puntoxpressnica
• Facebookfacebook.com/puntoxpresspagos
• LinkedInlinkedin.com/company/puntoxpress-ca

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 Puntoxpress