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Pago46

Payments infrastructure for Latin America

Move money across LATAM without rebuilding it country by country

Pago46 is the payments layer for cash-first economies. Pay-in, pay-out, remittances and merchant settlement across six countries — through one API.

Get in touchRead the docs

One API. Cash-out at thousands of retail points across LATAM.

USDCUSDC
Available onStellarStellarSolanaSolanaMonadMonad
Mexico

1,850.00

MXN

Cash on hand

1 USDC = 18.50 MXN
Instant settlement

Get started

Illustrative rate. Live rate and fees are quoted at checkout via the API.

6
Countries live
9+
Bank integrations
40+
Retail pickup brands
3
Stablecoin networks

What we ship

Six things you'd otherwise build six times.

Pay-in
Accept cash, bank transfers and local payment methods. Single API across countries; payment-method routing per country and merchant.
Pay-out
Disburse to bank accounts or to cash pickup at agent networks. Settlement in local currency, on a single ledger.
Remittances
Cross-border send flows with KYC, FX quoting and local-rail payout. Built for consumer-grade UX.
Partner platform
Self-service onboarding, organization-level RBAC, API keys and a real-time view into transactions, settlements and reconciliation.
Agent network
A mobile app that turns local merchants into cash-in and cash-out points. Geo-routed, with live availability.
Compliance built-in
KYC, country-specific limits, AML controls and audit trails — designed against LATAM regulatory reality.

Before you build

Can you integrate Pago46's rails?

Check eligibility and the compliance requirements for cash-in, cash-out, and crypto — in one table.

Rail Integration Check

The network that powers your regional operation

Access thousands of deposit and withdrawal points through integrated banks, commercial chains and agent networks. Explore the coverage available in each country.

  • Walmart Express
  • 7-Eleven
  • Circle K
  • Sam's Club
  • Chedraui
  • BBVA
  • Banorte
  • Farmacias del Ahorro
  • Kiosko

Partner names and marks are trademarks of their respective owners.

The money journey

See exactly how the money moves

Follow a pay-in, pay-out, or crypto cash-out end to end — from the person who pays to the person who collects.

See the money flow

Already powering payments for

  • Uber
  • Rappi
  • PedidosYa
  • Bmoni

Who builds on Pago46

Teams that need a single payments contract across countries — and a counterpart who understands cash.

Marketplaces
Take cash from buyers, pay sellers in local currency, reconcile across borders. No country-specific integrations.
Wallets & neobanks
Plug cash top-up, bank transfers and cash withdrawal into a wallet UX without staffing one country team per market.
Remittance senders
From-country APIs and to-country pickup or bank disbursement, with one settlement file.
Regulated fintechs
Use Pago46 as your regulated rails while you focus on the product surface. SLAs, audits and country compliance handled.

Built for cash-first economies.

Tell us what you're building and where. We'll come back with the shortest path live.

Talk to us