Payment Provider Integration

As a payment provider, you integrate your network of physical points (stores, kiosks, agents) with Pago46 to process cash collections and disbursements generated by merchants.

Available Services

Pay-In (Collections)

Process cash payments from end users at your physical points.

Flow: User presents code → Validate order → Receive cash → Confirm transaction.

→ View Pay-In documentation

Pay-Out (Disbursements)

Disburse cash to end users at your physical points.

Flow: User presents code → Lock order → Deliver cash → Confirm transaction.

→ View Pay-Out 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. Query orders - Use GET /providers/orders/{type}/{code}/
4. Process transactions - Use start-payment and confirm-payment endpoints

Locking mechanism

Pay-Out includes a locking system to prevent double disbursement. An order can only be processed by one provider at a time.

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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

Pay-In (Collections)

Pay-Out (Disbursements)

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Coverage

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