Alignet

Alignet: Merchant Payment Acceptance Overview

Alignet is a payment technology provider focused on helping merchants accept and manage digital payments across Latin America. Its merchant-facing offering includes an online payment gateway, payment links, a QR-enabled wallet experience, and recurring billing capabilities. Alignet also provides integration options for web and mobile checkout, along with security tooling such as EMV 3-D Secure and PCI DSS-aligned card data protection controls.

Alignet Payment Solutions For Merchants

Alignet’s merchant stack is organized around the V-Payment product family, which supports multiple ways to initiate and collect payments:

• Online checkout for ecommerce and digital services
• Payment links for remote selling and manual invoicing-like collection
• Wallet and QR flows for in-person collection scenarios
• Recurring charges for subscription-like or installment billing programs

Alignet’s merchant solutions are commonly deployed in cooperation with acquiring partners. As a result, some capabilities such as enabled payment methods and currency configuration can be program-specific.

Products And Modules Merchants Will Encounter

V-Payment Online Gateway

V-Payment is positioned as a gateway for accepting payments over the internet. It is designed to support standard ecommerce checkout where customers pay during an online session and merchants receive an authorization outcome and transaction status.

Typical merchant use cases include:

• Ecommerce carts and checkout pages
• Service payments and digital goods
• Payment initiation embedded in a merchant website or app

V-Payment Link For Remote Collection

V-Payment Link supports collecting payments through a shareable payment form. This is useful when a merchant needs a lightweight way to request payment without building a full checkout flow.

Common scenarios include:

• Payment requests shared by email, chat, or social channels
• Manual order fulfillment where the merchant confirms payment before shipping
• Customer support teams collecting one-off payments

V-Payment Wallet And QR Payments

Alignet’s wallet offering supports QR-based payments and a stored-card style user experience where customers register and keep payment instruments associated with their wallet profile. For merchants, this can enable:

• QR code payments for in-person purchase scenarios
• Collection using a merchant’s mobile device in a physical environment
• Reduced dependency on traditional dedicated POS hardware in certain deployments

V-Payment Billings For Recurring Charges

V-Payment Billings is designed for periodic, automated charges. It is relevant for merchants who need subscription billing patterns or structured recurring payment schedules.

Examples include:

• Subscription services with periodic renewals
• Installment or scheduled payments where charges occur over time
• Membership fees and recurring service contracts

Payment Acceptance Channels

Alignet supports more than one channel for payment acceptance, which is important for merchants operating across ecommerce and physical environments.

Supported channel patterns include:

• Online (Web): browser-based checkout for ecommerce and online services
• In-App (mCommerce): mobile integration patterns intended for iOS and Android applications
• In-Store (QR-led): merchant-presented QR flows intended for physical merchant environments

If your business requires card-present acceptance through dedicated terminal hardware, you should confirm the exact in-person acceptance configuration offered through your acquiring program.

Payment Types Supported

Alignet’s ecosystem includes support for card payments and a set of alternative payment methods depending on the country and acquiring configuration.

Merchants typically encounter:

• Cards: credit and debit card payments
• Digital wallet flows: wallet and QR-based payments
• Bank transfer style flows: bank or homebanking style payment initiation in supported programs
• Cash or voucher-style methods: cash payment ticketing and local alternative methods in supported programs

For merchants, the practical takeaway is that method availability is program-specific. Payment methods and currency options are enabled based on the acquiring configuration supporting the merchant.

Checkout And Billing Flows

Merchants can collect payments using several checkout patterns, which helps match different business models and customer journeys.

Hosted Checkout Options

Alignet supports hosted checkout patterns that can reduce merchant PCI scope for certain implementations:

• Redirect flow: customer is redirected to a hosted payment experience
• Modal flow: a hosted experience is presented in an overlay-style checkout

These patterns are commonly used when a merchant wants a standardized, controlled checkout UI and faster time-to-launch.

Payment Links

Payment links provide a simplified collection method when building a full checkout is not desired. This is particularly useful for:

• Remote sales
• Manual order management
• Customer support payment requests

QR Code Payments

QR code acceptance is relevant for merchants serving customers in person. QR can be positioned as:

• A primary acceptance method for small, mobile, or informal retail contexts
• A complementary method alongside traditional ecommerce and card-not-present checkout

One-Click And Stored Credentials Patterns

The wallet-style model supports a stored instrument experience for returning users. This can reduce friction for repeat purchases where the customer reuses previously registered payment instruments.

Recurring Billing

Recurring billing capabilities are relevant for subscriptions and structured billing schedules. Merchants should confirm the supported schedule model, retry logic, and any mandate requirements that apply in the local program.

Security And Risk Capabilities

PCI DSS And Data Protection

Alignet states PCI DSS certification for its payments environment, which is a key requirement for many merchant and acquiring deployments involving card data handling.

EMV 3-D Secure

Alignet supports EMV 3-D Secure for card-not-present authentication. 3-D Secure is commonly used to:

• Reduce fraud on card-not-present transactions
• Shift or mitigate liability under applicable card scheme rules
• Improve approval outcomes for transactions requiring stronger authentication

Fraud And Chargeback Reduction Goals

Alignet’s merchant positioning includes reducing fraud risk and chargebacks. Merchants should treat this as a capability area and validate the exact tools provided in their program, such as:

• Risk controls at checkout
• Rules, scoring, or step-up authentication triggers
• Dispute-related operational support boundaries

Developer And Integration Experience

Alignet provides public developer documentation and integration guidance. Merchant integration patterns include:

• API-driven server-to-server requests
• Hosted checkout using redirect or modal patterns
• Notification mechanisms for transaction status updates (webhook-style callbacks)

SDK And Mobile Support

Alignet supports mobile-oriented integration patterns, including iOS and Android library flows for in-app payment initiation. Merchants building native apps can evaluate these options for faster implementation compared with building entirely custom payment UX.

Ecommerce Platform Integrations

Alignet provides plugin support for at least the following platforms:

• WooCommerce (WordPress)
• PrestaShop

This can be relevant for merchants who want faster deployment without custom development.

Branding And White Label Considerations

Alignet supports configurable elements in hosted checkout experiences, including branding such as logos and color configuration in some checkout modes. Merchants with strict brand guidelines may want to validate:

• Which elements are configurable
• Whether the checkout supports localization requirements
• How the hosted experience behaves on mobile devices

Reporting And Merchant Operations

Alignet’s ecosystem includes operational tooling that supports transaction visibility and reporting workflows. Merchants should expect to validate:

• Merchant portal access and reporting features
• Transaction lookup capabilities
• Reconciliation outputs and reporting frequency

Geographic Coverage And Market Fit

Alignet lists presence across multiple Latin American markets, including countries such as Peru, Mexico, Costa Rica, Panama, and others in Central and South America. For cross-border merchants, this footprint can matter in two ways:

• Local payment method availability and customer preferences vary by country
• Acquiring and settlement models can differ across markets and partners

Conclusion

Alignet offers a merchant-focused payment acceptance stack centered on the V-Payment product family, covering online checkout, payment links, wallet and QR-based payments, and recurring billing. Its integration model includes hosted checkout patterns and API-driven flows, with plugin options for select ecommerce platforms and mobile-oriented support for in-app experiences. Security capabilities include PCI DSS certification and EMV 3-D Secure support, with issuer-side step-up authentication options that can include biometric methods in applicable programs.