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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 Checkout home (without 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​

Orders transition through states that we report via webhooks:

You will receive an HTTP POST notification to your notify_url whenever the order is updated, including when the status changes or new information (such as transaction details) becomes available.

Coverage​

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