Company
We run the layer
under the payment.
vpago builds and operates payment software in Latin America. Not a marketplace, not a wallet, not a bank — the technical layer that connects a merchant’s systems to the networks that move money in each country.
The platform is in production. Merchants authorise, settle and reconcile through it every day, across the markets listed on the coverage page. Settlement, reconciliation and audit run under production load, not in a pilot.
The same engine serves other brands of the group in their own markets, each with its own legal entity and its own local rails. A payment rail is national, and the integration breaks at the border when it is treated as anything else.
When a certification exists, it will be announced with the document behind it. Until then it is not on this site.
What we are not
The boundary, stated.
Where vpago stops, and who carries the licence past that point.
| Boundary | What that means |
|---|---|
| Software, not intermediation | vpago operates the technical layer. Regulated services in each market are provided by the licensed institutions we connect to. |
| One entity per market | Local operations run under the entity that is authorised there. This site is published by the Brazilian entity named in the footer. |
| No consumer product | There is no vpago app or wallet for end customers. The payer meets the brand of the merchant they are buying from. |
Talk to us.
If you are evaluating a market on the coverage page, the fastest path is an e-mail saying which one and what you sell.