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Latin America's cash network

Pago46 connects the digital world with cash across Latin America. With a single integration to the Pago46 API you process payments (Pay-In) and withdrawals (Pay-Out) in cash through a network of physical points —retail chains, banks, pharmacies and kiosks— and a network of agents who collect and deliver money at geolocated points.

Actors​

The API coordinates transactions between three roles. Identify yours to know which guide to follow.

ActorRoleDescription
MerchantCreates the orderOnline businesses, e-commerce, wallets or fintechs that need to collect from their users or disburse funds.
Payment ProviderProcesses the orderPhysical networks (banks, pharmacies, kiosks) that process the cash for orders created by Merchants.
ConsumerDelivers or receives the cashThe end user who pays or collects at a point in the network.

Services​

The Pago46 API handles local currency and foreign currency with the same semantics.

Pay-In (Payments)​

Your users pay in cash at any point in the network.

  • Merchant: you create an order and get a code/QR; you receive the money reconciled digitally.
  • Provider: you validate the code, receive the cash and confirm the operation.

Pay-Out (Withdrawals)​

Your users withdraw cash or receive a disbursement at a physical point.

  • Merchant: you create a withdrawal order for your user.
  • Provider: you verify the order, lock it and hand over the cash.

How the integration works​

The architecture is Server-to-Server and every request is signed with HMAC SHA-256.

  1. Authentication — you sign every request with HMAC SHA-256.
  2. Order creation — the Merchant creates the payment or withdrawal intent.
  3. Physical operation — the user goes to a point in the network.
  4. Confirmation — the Provider confirms the money changed hands.
  5. Webhooks — Pago46 notifies the Merchant of the result in real time.
Before you start

Authentication is the prerequisite for any API call. Start there.

Choose your guide​

I'm a Merchant

I want to collect payments or send money to my users.

I'm a Payment Provider

I have physical points and want to process Pago46 transactions.

Before integrating, check country coverage to confirm operational availability.