epagos

Payment Processing Platformepagos.com

E-Pagos S.A. is an Argentine BCRA-regulated payment aggregator that consolidates 40+ payment methods (cards, QR interoperable with any registered wallet, DEBIN, home banking, transfers, cash) into a single platform for government agencies, municipalities, private businesses, and consumers via the Billetera ePagos wallet.

Company typePrivate
Founded-
HeadquartersBuenos Aires, Argentina
Headcount—
GTM typeB2B and B2C
OfferingSoftware

What epagos does

ePagos (legal name E-Pagos S.A.) is an Argentine payment aggregation and collection management platform headquartered in Buenos Aires (CUIT 30-71508429-1), regulated by the Banco Central de la República Argentina under Communication A 6885 as a payment services provider. The platform consolidates 40+ payment methods — including Visa, Mastercard, American Express, and Maestro card networks; DEBIN direct debit; home banking; bank transfers; interoperable QR (accepting payments from any BCRA-registered digital wallet such as Mercado Pago and Modo); and cash networks — into a single merchant-facing stack comprising Web Checkout, QR Interoperable, Terminales POS (with Wi-Fi/Bluetooth/4G and NFC for Apple Pay, Google Pay, Samsung Pay), Terminales de Autogestión (self-service kiosks), Link de Pago, Emisión de Boletas (QR/barcode invoices), Débitos Automáticos (recurring debit), Cuentas de Recaudación (per-user CVU collection accounts), and the Portal de Autogestión back-office. A SOAP/REST API with token authentication, webhooks, sandbox environment, and a public PHP SDK supports partner integration.

The company monetizes via percentage-based transaction fees deducted from settled funds plus a monthly service fee (billed within 10 business days of month-end), with rates negotiated based on volume and payment-method mix. It operates four simultaneous go-to-market motions: enterprise field sales (WhatsApp-led, with compliance onboarding) targeting government agencies and large businesses; API/SDK-led integration for technical partners; a self-service PLG portal for SMBs; and the Billetera ePagos consumer mobile wallet (iOS/Android). The primary customer segments are Argentine government agencies and municipalities (ARCA federal tax agency, provincial tax authorities in Río Negro and Mendoza, ~15+ municipalities including La Matanza, Pilar, General Pueyrredón, Bariloche, La Plata, Morón), private businesses (Aguas Mendocinas, Contabilium), educational institutions, healthcare providers, and sports clubs/NGOs. PCI-DSS and ISO certifications back transaction security, and the company is registered with the Argentine data protection authority. Geographic scope is single-country (Argentina) with no disclosed cross-border operations, no institutional investors or funding rounds on record, and no disclosed headcount or revenue figures.

epagos firmographics

Firmographics

Name: epagos
Legal name: E-Pagos S.A.
Website: https://epagos.com
Company type: Private
Operating status: Operating
Short description: E-Pagos S.A. is an Argentine BCRA-regulated payment aggregator that consolidates 40+ payment methods (cards, QR interoperable with any registered wallet, DEBIN, home banking, transfers, cash) into a single platform for government agencies, municipalities, private businesses, and consumers via the Billetera ePagos wallet.
Ownership category
akta.pro rank

epagos industry classification

Industry

Product category: Payment Processing Platform
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
SIC: Services-Computer Programming, Data Processing, Etc. (7370)
akta.pro industry: PRIMARYFSAGABAA
Payment Orchestration Platforms
Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)
SECONDARYBPAMAFAA
Payment Gateways & Orchestration
Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms
SECONDARYBPAMAFAF
Bill Pay, Invoicing & Payables Platforms
Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

Keywords

Payment processing platform
Digital payment gateway
Mobile wallet payments
POS terminal solutions
QR payment interoperability

Where epagos is headquartered

Location

Headquarters

HQ city: Buenos Aires
HQ country: Argentina
HQ region: Latin America

Offices1 record

Markets served

epagos business model

Business model

GTM type: B2B and B2C
Offering type: Software
Cost components: Technology or R&D, Operations, Infrastructure, Personnel, Marketing or Sales

Revenue model

Transaction Processing Fees: ePagos charges a percentage-based fee on each transaction processed through the platform. The fee is deducted from funds received in the merchant's account. For digital wallet users, the tariff is informed through the app before operation confirmation. For bill payment service users, a service tariff is applied per transaction.
Payment Service Platform Fees: Monthly payment processing service fee where users authorize E-Pagos to deduct tariffs from available funds. Services are rendered per calendar month with invoicing within 10 business days of month-end close.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Transaction-based pricing for businesses and government agencies

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

epagos product offering

Product offering

Core offering

ePagos provides a payment aggregation and collection management platform that consolidates 40+ payment methods (credit/debit cards, home banking, digital wallets, QR, transfers, and cash networks) into a single integrated platform. The offering spans online checkout, in-person POS terminals, interoperable QR codes, mobile wallet (Billetera ePagos), self-service kiosks, payment links, recurring debits, and a developer API for Argentine enterprises and public sector organizations. The platform enables automated reconciliation, real-time settlement, and unified back-office operations through the Portal de Autogestión.

Product overview

ePagos is a payment aggregation and collection management platform serving Argentine enterprises and public sector organizations. The core offering centers on the Billetera ePagos mobile wallet for end consumers, supported by an integrated suite of merchant-facing solutions: Web Checkout (online), QR Interoperable and Terminales POS (in-person card/QR), Link de Pago (remote), Emisión de Boletas (invoice QR/barcode), Débitos Automáticos (recurring), Cuentas de Recaudación (CBU-based), and Terminales de Autogestión (self-service kiosks). The Portal de Autogestión provides unified back-office operations, reconciliation, and settlement reporting. The ePagos API and SDK enable programmatic integration for merchants and developers. The platform processes 40+ payment methods including all major card networks, digital wallets, home banking, and bank transfers, and is regulated by BCRA with PCI-DSS and ISO security certifications.

Differentiator

Problem solved

Functional benefit

Brands

Billetera ePagos: Mobile wallet application for payments, transfers, and bill payments. Allows QR payments, card linking, and money transfers.

Products and services

Billetera ePagos Mobile wallet application (iOS and Android) enabling individual consumers to pay bills, services, taxes, scan QR codes, pay parking fees, and make fund transfers. Supports credit/debit cards, CBU bank account transfers, and DEBIN direct debit.
Web Checkout Online payment checkout embedded in merchant websites, supporting credit/debit cards, home banking, digital wallets, transfers, and cash network payments in a single unified flow.
Terminales POS Physical point-of-sale terminal accepting all cards (Visa, Mastercard, American Express, Maestro), digital wallets, and QR codes via NFC, chip, or magnetic stripe. Features Wi-Fi, Bluetooth, 4G connectivity and ticket printing.
Terminales de Autogestión Self-service payment kiosks for unattended in-person collections, supporting card and QR code payments with a guided user interface.
QR Interoperable Physical QR code payment solution for in-person collections, accepting payments from any digital wallet or banking app registered with BCRA for cross-wallet interoperability.
Link de Pago (Payment Link) Shareable payment link for remote collections without a website. Generated per transaction and shareable via email, SMS, WhatsApp, or social media.
Emisión de Boletas Invoice/boleta issuance with embedded QR code and barcode for mass mailing, enabling payments through multiple channels from a single document.
Débitos Automáticos Recurring automatic debit solution for subscription billing using credit/debit cards or CBU bank account transfers, with real-time status monitoring.
Cuentas de Recaudación Collection account with individual CVU per end user, enabling direct bank transfers with automatic reconciliation and real-time tracking via portal.
ePagos API REST/SOAP API for automated payment request creation, token-based authentication, and reconciliation via webhooks. Supports PHP SDK and sandbox environment for developer integration.
Portal de Autogestión Web-based merchant and organization dashboard providing real-time operations view, collections statistics, reconciliation reports, chargeback management, and settlement tracking.

Companies that use epagos

Customer profile

Named customers10 records

Segments5 records

Ideal customer profiles6 records

epagos technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

epagos partnerships and signals

Strategic signal

Partnerships

Five partnerships are on record, tiered core.

PCI Security Standards CouncilcoreTechnology or IntegrationePagos maintains PCI-DSS compliance certification for secure payment card processing. The company adheres to Payment Card Industry Data Security Standards for handling and protecting cardholder data across all transaction processing.
BCRA (Banco Central de la República Argentina)coreTechnology or IntegrationOperating as a registered payment service provider under BCRA Communication A 6885. The company is regulated by Argentina's central bank and participates in the interoperable QR payment ecosystem registered with BCRA.
Argentine Payment Networks (Banelco, Prisma, etc.)coreTechnology or IntegrationIntegration with Argentine payment networks and card associations (Visa, Mastercard, American Express, Maestro) for card transaction processing, as well as cash payment networks for offline payment collection.
Argentine BankscoreTechnology or IntegrationIntegration with Argentine banking systems including home banking platforms, DEBIN instant debit service, and bank transfer processing for seamless fund movements and payment processing.
Digital Wallet ProviderscoreTechnology or IntegrationInteroperable QR payments with all digital wallets registered with BCRA including Mercado Pago, Modo, and banking apps, enabling cross-wallet payment acceptance for in-person transactions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

epagos competitors and assessment

Company assessment

Direct peers

Mercado Pago: Argentina's dominant digital wallet and online/offline payment processor, integrated with Mercado Libre. Directly competes with ePagos across consumer wallet, QR, POS, and merchant acquiring in the same Argentine market.
Todo Pago: Payment gateway and aggregator backed by Grupo Galicia. Offers cards, QR, and online checkout to Argentine merchants — directly overlapping ePagos' web checkout and API products.
Decidir: Payment gateway platform within the Prisma group offering cards, QR, and tokenized checkout. Comparable to ePagos' payment gateway / orchestration layer for Argentine merchants.
Naranja X: Fintech arm of Tarjeta Naranja offering digital wallet, payment processing, and lending. Competes with ePagos in consumer payments and merchant acquiring across Argentina.
Modo: Interoperable digital wallet launched by a consortium of Argentine banks. Competes head-on with ePagos' Billetera ePagos and QR interoperability offering for both consumer and merchant sides.
Prisma Medios de Pago: Argentine payment processor owned by major local banks, operating Decidir and Payway. A scaled incumbent aggregator directly comparable to ePagos' merchant services stack.
Pago Mis Cuentas: Long-standing Argentine bill payment and collection platform. Direct overlap in tax, utility, and municipal service payment aggregation use cases served by ePagos.

Broad incumbents

Stripe: Global payment orchestration platform with APIs, multiple payment method support, and developer-first tooling. Represents the scaled, well-funded version of ePagos' orchestration architecture.
PayPal: Global digital wallet and merchant acquiring platform with cross-border reach. Comparable to ePagos' wallet + payment-acceptance combination, though operating at vastly larger scale and geography.

Emerging players

dLocal: LatAm-focused emerging markets payment processor connecting global merchants to local payment methods. Comparable orchestration model to ePagos but at cross-border scale rather than domestic Argentina focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

epagos compliance and trust

Trust signal

Compliance3 records

epagos financial estimates

Financial estimate

Revenue estimate

Valuation estimate

epagos leadership team

Management profile

Number of profiles

Profiles1 record

epagos funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

epagos M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about epagos

What does epagos do?

Is epagos a public or private company?

epagos is a private company. It is classified as unknown and is currently operating.

When was epagos founded?

epagos was founded in -1.

Where is epagos based?

epagos is headquartered in Buenos Aires, Argentina, in the Latin America region.

How does epagos make money?

Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are payment Service Platform Fees.

Who are epagos's main competitors?

Direct peers on record are Mercado Pago, Todo Pago, Decidir, Naranja X, Modo, Prisma Medios de Pago and Pago Mis Cuentas. Broad incumbents are Stripe and PayPal. dLocal is listed as an emerging player.

Does epagos have an API?

Yes. ePagos offers a SOAP/REST API for automated payment collection and reconciliation. The API supports token-based authentication and requires organizational credentials. Integration methods include: (1) E-Checkout — redirect-based payment flow where merchants generate a token and redirect users to ePagos for payment completion; (2) API — direct payment request generation without user interaction, returns PDF boleta with barcode/QR code for cash and home banking payments; (3) Botón de Pago (Payment Button) — single-step JavaScript widget integration for quick payment initiation. Available environments: Sandbox (https://sandbox.epagos.com) and Production (https://api.epagos.com). Supports payment methods including credit/debit cards, home banking, digital wallets, cash networks, and QR codes. Reconciliation is facilitated via Webhooks and API-based reporting. PHP SDK available at https://github.com/epagos/sdk. Developer documentation is at epagos.com/productos/desarrolladores.php.

What industry is epagos in?

epagos's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of BPAMAFAA, Payment Gateways & Orchestration. Its NAICS code is 522320 and its SIC code is 7370.