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

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Integration Flow

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

Integration Steps

1. Get your credentials - Receive your Provider-Key and Provider-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.

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Environments

Environment	URL	Usage
Sandbox	api.sandbox.pago46.io	Development and testing
Production	production.pago46.io	Real operations

→ View environment details

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Order Lifecycle

Orders transition through states that we report via webhooks:

You will receive an HTTP POST notification to your notify_url every time the state changes.

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Coverage

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