Welcome to Pago46
Pago46 is the payment infrastructure that digitizes cash in Latin America. Our platform bridges the gap between the online world and physical money, allowing any company to process deposits (Pay-In) and withdrawals (Pay-Out) in real-time through a single integration.
By connecting to our Core API, you gain instant access to a hybrid network that combines:
- Commercial and Banking Chains: Consolidated partners such as CajaVecina, RapiPago, ProvinciaNet, among others.
- Socio46 Network: Our force of mobile agents ("Uber for cash") who collect or deliver money at home or at geolocated points.
Ecosystem and Actors
The API is designed to orchestrate transactions between three main actors. Identify your role to navigate this documentation:
| Actor | Role in API | Description |
|---|---|---|
| Merchant | Initiator | Online businesses, E-commerce, Wallets, or Fintechs that need to charge their users or disburse funds (loans, remittances). |
| Payment Provider | Fulfiller | Physical networks (Pharmacies, Banks, Kiosks) that use our API to process orders created by Merchants, earning commissions for traffic. |
| Consumer | End-User | The final user who hands over or receives the cash. Interacts with the Pago46 map or the Provider's point of sale. |
Core Services
Our new Core API unifies operational flows into polymorphic endpoints, allowing you to handle operations in local or foreign currency with the same semantics.
1. Pay-In (Collections)
Allows users to pay for online purchases with cash.
- For Merchants: You generate an order and obtain a QR/Code. You receive digitally reconciled money.
- For Providers: You validate the user's code, receive the cash, and notify Pago46 to release the service.
2. Pay-Out (Withdrawals)
Allows users to withdraw balance from a digital wallet or receive a cash loan.
- For Merchants: You create a withdrawal order for your user.
- For Providers: You verify the order, block the transaction (Start Payment), and hand over the cash from your register.
Integration Flow
Pago46's architecture is Server-to-Server. To ensure security, we use a robust digital signature scheme.
- Authentication: Implements the HMAC SHA-256 standard to sign all your requests.
- Order Creation: The Merchant initiates the payment or withdrawal intention (
/orders). - Physical Interaction: The user goes to a point (Provider or Socio46) or requests an on-demand service.
- Confirmation: The Provider notifies the API that the money has changed hands.
- Webhooks: Pago46 notifies the Merchant in real-time that the transaction was successful.
We recommend starting by reading the Authentication section before attempting any API calls. It is the fundamental requirement to get a response from the server.
Where do I start?
Select the guide that best fits your integration needs:
🛍️ I am a Merchant
I want to process payments or send money to my users.
🏪 I am a Provider
I have physical locations and want to process Pago46 transactions.
Ready to begin? Check the Countries section to learn about operational availability.