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Merchant Integration

As a merchant on Pago46, you access a hybrid network of physical points where your users can pay or receive cash. You manage everything digitally through our API.

Available services​

Pay-In (Collections)​

Allow your users to pay with cash at any point in the network.

Use cases: Wallet top-ups, subscriptions, e-commerce, services.

View Pay-In documentation

Pay-Out (Disbursements)​

Allow your users to withdraw cash or receive payments at physical points.

Use cases: Balance withdrawals, payments to workers, remittances, refunds.

View Pay-Out documentation

Foreign Currency​

Operations with currency conversion.

View Foreign Currency documentation

Checkout​

Embed the web Checkout application in an iframe for Pay-In and Pay-Out flows.

View Checkout documentation

Pago46 Checkout

Orders contain the redirect_url field, which is the Checkout link your user uses to continue the flow.

  • Sandbox: https://checkout.dev.pago46.io
  • Production: https://checkout.prd.pago46.io
  • Per-order format: https://checkout.{dev|prd}.pago46.io/{UUID}

You can also open the Checkout home page (without a UUID) and enter the order id manually for iframe integration testing.

Integration flow​

The architecture is server-to-server with HMAC SHA-256 authentication.

Integration steps​

  1. Get your credentials - Receive your Merchant-Key and Merchant-Secret
  2. Implement HMAC authentication - View guide
  3. Create orders - Use POST /merchants/orders/pay-in or /pay-out
  4. Receive webhooks - Configure your HTTPS endpoint for notifications
Fundamental requirement

All requests require HMAC authentication. Review the authentication documentation before starting.

Environments​

EnvironmentURLUsage
Sandboxapi.dev.pago46.ioDevelopment and testing
Productionapi.prd.pago46.ioReal operations

→ View environment details

Order lifecycle​

As a merchant, your integration reacts to the order's final states (COMPLETED, CANCELLED, EXPIRED), which we report via webhooks. The intermediate processing (a provider taking the order and collecting or handing out the cash) is resolved internally and requires no action on your side.

Foreign-currency order notifications

Merchants receive webhooks when an order reaches a final state. For Foreign-Currency Pay-Out, you also receive two earlier notifications: a CREATED update that adds the transaction you must sign, and a READY webhook when we confirm the on-chain funds reached Pago46 and the order is ready to be disbursed in cash to the end user.

Who can cancel?

Merchants cannot cancel orders. In Pay-In the cancellation is performed by the end user or the Pago46 team; in Pay-Out (local and foreign currency) only the Pago46 team can cancel. We prefer unattended orders to expire naturally.

You receive an HTTP POST notification at notify_url when the order reaches a final state. The Foreign-Currency Pay-Out flow also sends the CREATED and READY notifications described above, so you may receive more than one notification with the same status in that flow.

Coverage​

Pago46 operates in multiple countries across Latin America. View complete list.