Linkser Sa

What Linkser Sa does

Linkser S.A. is a Bolivian payment processing company founded in 1993 and headquartered in Santa Cruz de la Sierra, operating in dual capacity as both an issuer processor for ASFI-regulated financial institutions and an acquirer processor for commercial merchants. The company administers credit, debit, prepaid, and proprietary card programs under Visa, MasterCard, and Discover brands, serving the national Bolivian market through approximately 170 employees, three physical agency offices (Santa Cruz, La Paz, Cochabamba), and a 24/7 call center. Its core business is processing card transactions for banks and providing POS-based payment acceptance infrastructure to merchants, with the company holding the only disclosed ASFI Complementary Financial Services license visible in this dataset.

The company's product and technology stack centers on card processing infrastructure spanning physical POS terminals (fixed and mobile, with LAN, WiFi, GPRS, and Dial Up connectivity), the MoviLink mobile wallet, QR payment solutions, NFC contactless wristbands, the Cybersource-integrated e-commerce gateway, the Marketlink virtual store platform, and recurring/installment payment processing. Architecture supports both card-present and card-not-present transactions for international and domestic card networks, with cash advance, ATM administration, and digital merchant onboarding capabilities.

Linkser monetizes via transaction-based fees on issuer processing (card production, authorization, embossing for financial institutions) and acquirer processing (transaction settlement, reconciliation, POS terminal provisioning) for merchants, with a publicly disclosed acquirer rate sheet. Go-to-market is B2B sales-led, combining direct enterprise relationships with financial institutions, a call center, three physical offices, digital onboarding via website, and WhatsApp-based virtual assistance. The company received three 2023 industry awards including the Premios Maya for Innovation in Financial Services, signaling recognized market leadership within Bolivia.

Name

Linkser Sa

Legal name

Linkser S.A.

Website

https://linkser.com.bo

Company type

Private

Founded year

1993

Operating status

Operating

Short description

Linkser S.A. is a Bolivian payment processor licensed by ASFI that operates as both a card issuer for financial institutions and a card acquirer for merchants, processing Visa, MasterCard, and Discover transactions nationally across Bolivia with 170 employees and three physical offices.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

SIC

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

akta.pro primary industry

Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD)

Keywords

• Card payment processing
• Issuer and acquirer services
• POS terminal services
• Mobile wallet payments
• Electronic debit credit cards

Headquarters

HQ city

San Ignacio

HQ country

Bolivia

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Issuer Services: Processing and card issuance services for financial institutions including transaction authorization, card production, and processing for credit, debit, and prepaid cards under Visa, MasterCard and proprietary brands
2. Acquirer Services: Transaction processing, reconciliation and settlement for affiliated commercial establishments accepting card payments, including POS terminal provision and ATM administration
3. POS Terminal Provision: Provision of point-of-sale terminals to merchants for card payment acceptance

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Linkser S.A. is a Bolivian payment processor that administers electronic credit, debit, prepaid, and proprietary cards in both issuer and acquirer roles. It provides card issuance, transaction authorization, embossing, and processing for ASFI-regulated financial institutions, and merchant card acceptance services through POS terminals, mobile wallet, QR payments, contactless wearables, and online payment gateways. Operations are licensed by ASFI and cover Visa, MasterCard, Discover, and proprietary brands with nationwide coverage across Bolivia.

Product overview

Linkser S.A. is a credit and debit card administrator operating in both Issuer and Acquirer roles with national coverage in Bolivia. The core offering consists of issuer services for financial institutions (issuing Visa, MasterCard, Discover, and proprietary branded cards) and acquirer services for merchants (accepting card payments). The product portfolio includes physical POS terminals, MoviLink digital wallet, QR payment solutions, contactless payment bracelets, Visa payment links for online transactions, Marketlink virtual store platform, and support for installment and recurring payment processing. The issuer and acquirer services form the foundation, while the various payment acceptance methods (POS, QR, contactless, e-commerce) serve as delivery channels for these core card processing capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• MoviLink: Electronic wallet mobile application allowing users to carry credit and debit cards on their mobile devices.
• MarketLink

Products and services

• Rol Emisor (Issuer Services) Credit, debit, prepaid, and proprietary card issuance services for financial institutions regulated by ASFI, including card embossing, transaction authorization, processing, and international coverage through global card networks (Visa, MasterCard, Discover).
• Rol Adquiriente (Acquirer Services) Card payment acceptance services for commercial establishments, enabling processing of credit, prepaid, and debit card sales from Bolivian and international issuers, with 24/7 customer service support.
• POS Terminals Physical point-of-sale terminals supporting Visa and MasterCard, available in fixed and mobile configurations with GPRS, LAN, Dial Up, WiFi, and contactless technologies for in-person card transactions.
• MoviLink Digital Wallet Mobile digital wallet allowing users to store and manage their credit and debit cards on their phone for contactless mobile payments and transactions.
• QR Payment Service QR code-based payment technology enabling instant bank transfers and transactions, supporting both physical and web-based QR payments.
• Contactless Payment Bracelets Wearable contactless payment devices allowing card-less transactions through simple touch, powered by NFC technology.
• Link de Pagos Visa Online payment link service enabling secure card transactions without requiring merchants to have a website, verified through Visa's security framework.
• Marketlink Virtual Store Virtual store platform for merchants to sell products online, enabling digital commerce capabilities for affiliated businesses.
• Automatic Debit / Recurring Payments Recurring payment processing service for fixed monthly collections using daily files with fixed structure or software terminals with enhanced security and online authorizations.
• Installment Payment Processing Financing service enabling merchants to offer installment payment plans to customers, processed through Linkser S.A.'s acquiring network.

Quantifiable outcome

• 24/7 operational support 365 days per year

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• VisacoreTechnology or IntegrationInternational card brand partnership for credit, debit, and prepaid card processing. Linkser S.A. operates as a Visa-licensed processor for both issuer and acquirer services, enabling domestic and international transactions under the Visa brand.
• MasterCardcoreTechnology or IntegrationInternational card brand partnership for credit, debit, and prepaid card processing. Linkser S.A. processes MasterCard transactions as an authorized processor supporting both issuer and acquirer roles.
• ASFI (Autoridad de Supervisión del Sistema Financiero)coreOthersBolivian financial regulatory body that supervises and licenses Linkser S.A. as a Complementary Financial Services Entity for card payment processing.
• Marketlink (marketlink.com.bo)minorStrategic or Co-development PartnerVirtual store platform partnership enabling merchants to offer online stores and e-commerce capabilities integrated with Linkser payment services.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Payway (Grupo Petersen / Transatlántica): Argentine payment processor offering acquiring, POS terminals, and online payment solutions for Visa/MasterCard. Comparable single-country acquirer with similar product breadth and merchant focus.
• Credibanco: Colombian payment network and card processor providing issuer, acquirer, and ATM services for Visa, MasterCard, and proprietary brands. Comparable as a multi-role Latin American card processor regulated by a local supervisor.
• Suiche (Suitella): Brazilian payments processor providing acquiring, POS, and payment gateway services for Visa, MasterCard, and domestic brands. Comparable multi-brand processor with POS and gateway distribution.
• Redeban (Redeban Multicolor): Colombian card acquirer and payment processor serving merchants and financial institutions across multiple brands. Closely matches Linkser's acquirer-side value proposition and brand-license-driven model.
• Procesos MC (Administradora de Tarjetas de Crédito): Bolivian card processor operating as issuer and acquirer for Visa/MasterCard, with national coverage. Directly comparable in business model, geography, and customer base to Linkser.
• Niubiz (formerly Visanet Perú): Peruvian card acquirer and payment processor for Visa/MasterCard, providing POS, e-commerce, and mPOS solutions. Comparable regional acquirer serving financial institutions and merchants in a single Andean market.

Broad incumbents

• dLocal: Cross-border payment processor enabling international merchants to accept local payment methods across emerging markets including Latin America. Comparable infrastructure layer but focused on cross-border rather than domestic issuer/acquirer roles.
• Mercado Pago: Latin America's largest digital wallet and acquirer, processing payments for merchants across the region including Bolivia-adjacent markets. A broad incumbent with overlapping wallet/QR capabilities, but not specialized in the issuer-processor niche Linkser occupies.

Regional players

• Banred: Uruguayan ATM and payment network operated by local banks, providing shared transaction infrastructure similar to what Linkser offers financial institutions in Bolivia. Comparable as a domestic network connecting multiple financial institutions.
• Conexia (Naranja X network): Argentine payment processor serving merchants and financial institutions with acquiring and processing services. Similar product set but primarily focused on Argentina rather than Bolivia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Linkserbolivia
• LinkedInlinkedin.com/company/linkser-s-a
• Instagraminstagram.com/linkser.sa

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 Linkser Sa