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Pago Efectivo

Pago Efectivo is a cash payment method tailored to the Latin American market, designed to facilitate secure online transactions for individuals who prefer or rely on cash payments. Developed to bridge the gap between digital commerce and traditional cash transactions, Pago Efectivo offers a unique solution that allows consumers to make online purchases using cash through a network of authorised payment points.

% of coverage
  • Country

    Multiple countries across Latin America

  • Population

    Approximately 650 million (across served countries)

  • Digital Commerce Penetration

    Increasing steadily, but cash remains a preferred option for certain segments

% of coverage
  • Cash Payments


  • Digital Payments


Payment Method Overview
  • Type:Cash-based Online Payment System
  • Currency:Local currencies of served countries
  • % of coverage:Varies by country and consumer preference
  • Transactions to date:Data not readily available due to the cash-based nature
  • Total registered users:Data not readily available due to the cash-based nature
  • Refunds:Subject to the policies of partnering merchants
  • Chargebacks:Limited due to the cash-based nature, assessed case by case

About payment system

Pago Efectivo emerges as a vital bridge between the expanding world of e-commerce and the enduring preference for cash transactions in Latin America. With a substantial portion of consumers still relying on cash for payments, Pago Efectivo offers an innovative way to participate in the digital economy.

The payment process begins with the user selecting Pago Efectivo as their preferred payment method during the online checkout process. Once the purchase is confirmed, the user receives a payment voucher or code that they can take to an authorized payment point, which can include convenience stores, banks, and other retail locations. At the payment point, the user presents the code along with the cash payment, which is then processed and confirmed, finalizing the transaction.

This approach not only empowers consumers who prefer cash payments but also addresses concerns about online security. By using cash, users can avoid sharing sensitive financial information online while still enjoying the convenience of e-commerce.

Pago Efectivo collaborates with e-commerce platforms, online retailers, and financial institutions to expand its reach and offer this convenient payment option to a broader audience. The method also educates users about the benefits of digital transactions, encouraging the gradual adoption of digital payment methods while respecting individual preferences.

By facilitating cash-based transactions in the digital realm, Pago Efectivo plays a pivotal role in driving financial inclusion and fostering a more comprehensive digital economy across Latin America. It recognizes the importance of catering to diverse payment preferences while contributing to the modernization of traditional payment methods.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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Pricing request

Our fare pricing is designed to bring satisfaction to both sides of our partnership. The pricing structure is tailored to your specific business type and monthly turnover. Kindly send us a request, including details about your business, and our dedicated success manager will promptly get back to you with our best offer.