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 and lock 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 → Validate and 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. Register your networks - Send us your list of networks/subnetworks to get network_id
3. Implement HMAC authentication - View guide
4. Query orders - Use GET /providers/orders/{type}/{code}/
5. Process transactions - Use start-payment and confirm-payment

Locking mechanism

Locking applies to both Pay-In and Pay-Out. When you call start-payment, the order is reserved for your network until you confirm or cancel.

Networks and subnetworks

To call the endpoints, you need a valid network_id. Send us your list of networks/subnetworks so we can register them and assign the IDs.

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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

Operational monitoring

For day-to-day operations in cashier/support teams, review the Service Status page and subscribe to email or Slack alerts to stay informed about incidents and maintenance.

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Order Lifecycle

The state diagram is the same for Pay-In and Pay-Out.

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Coverage

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