Powering Payment Infrastructure Across Latin America

Reliable acquiring, local processing, and scalable payment rails built for high-growth markets.

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Infrastructure Overview

Built as a Payment Network, Not Just a Gateway

Direct Bank Connectivity

Dedicated acquiring pathways into local financial institutions for tighter authorization control and lower routing dependency.

Local Clearing Integrations

Settlement orchestration aligned with domestic clearing systems to support regulated, country-specific transaction lifecycles.

Real-Time Processing Fabric

Event-driven transaction handling for authorization, fraud checks, retries, and callbacks with low-latency response windows.

Scale-by-Design Architecture

Built for PSPs and high-volume operators with resilient processing layers engineered for sustained throughput growth.

Regional Coverage

Primary Market

Mexico

Local acquiring through domestic processing rails
MXN and cross-border settlement options
Card, transfer, and region-specific method support

Active

Chile

Local acquiring integration stack
CLP settlement orchestration
Digital and card payment method coverage

Active

Peru

Domestic routing and authorization capabilities
PEN settlement and reconciliation support
Multi-method checkout compatibility

Active

Argentina

Local processing connectivity for acquiring flows
ARS settlement mapping with FX-aware routing
Support for relevant local payment instruments

Core Modules

Acquiring Engine

Transaction authorization and routing core for domestic and cross-border acquiring scenarios.

Smart route selection across available connectors
Adaptive retry logic for issuer-side declines

Collection Layer

Unified acceptance layer for collecting payments across payment types and countries.

Tokenized payment method management
Checkout and backend collection endpoints

Payout System

Programmable disbursement rail for merchants, partners, creators, and marketplace participants.

Scheduled or event-triggered payout batches
Status webhooks and payout reconciliation feed

FX Routing Engine

Currency-aware processing layer optimized for LATAM settlement and treasury efficiency.

Dynamic currency and corridor routing policies
FX spread controls and conversion governance

Developer-First Integration

Integrate through RESTful APIs with modular endpoints across collections, acquiring, payouts, and reporting. Fast onboarding workflows and robust sandbox parity accelerate production rollout for API-driven teams.

RESTfulVersioned endpoints and predictable payload schemas

Fast StartStreamlined onboarding and credential provisioning

ModularDeploy only the modules required by your flow

HA DesignHigh availability infrastructure with failover paths

POST /payments
GET  /transactions
POST /payouts
GET  /balances

Authorization: Bearer <api_key>
Idempotency-Key: <request_id>

Reliability

Engineered for Reliability

99.99% Uptime Target

Processing infrastructure designed to maintain continuity across peak transaction windows.

Continuous Monitoring

End-to-end telemetry across authorization, settlement, and asynchronous event delivery pipelines.

Redundant Topology

Service isolation and failover routing to minimize impact from connector or regional disruptions.

Risk Control Layer

Configurable fraud and anomaly controls embedded in payment flow decisioning.

Use Cases

Who We Support

Gaming Platforms

High-frequency authorization and payout orchestration for user-heavy gaming ecosystems.

Streaming Platforms

Recurring and usage-based transaction models with localized payment acceptance.

Digital Merchants

Cross-border commerce support with domestic payment method optimization.

Payment Providers

Infrastructure-grade modules for PSPs and payment companies expanding across LATAM.

Access the Network

Request access to CacoPay infrastructure and start scaling your LATAM payment operations.

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contact@cacopay.com