FacilitaPay

FacilitaPay Overview For Merchants

FacilitaPay is a Latin America focused payment service provider that connects international businesses to local payment infrastructures in Brazil, Mexico, Colombia and Chile. It offers cross border pay in and payout services, Pix based instant payments and access to more than 120 local and traditional payment methods through a single API and portal.

Geographic Focus And Industry Coverage

FacilitaPay’s public materials highlight four target markets:

• Brazil

• Mexico

• Colombia

The company lists a broad set of digital first verticals and use cases it aims to serve, including investments, global remittance companies, SaaS, international e commerce, B2B payments, payment aggregators, crypto exchanges, social media and streaming.

Core Products For Merchants

Pay In – Local Collection Infrastructure

The Pay In product is designed to let merchants collect payments from local customers in their domestic currencies while receiving settlements in the currency of their choice. Key characteristics:

• A local bank account within FacilitaPay is created for the merchant in the relevant market.

• End users pay via the merchant’s checkout or app using local methods such as local cards, alternative payment methods, bank transfers and digital wallets.

• FacilitaPay receives and identifies deposits into the local account, then converts funds into the merchant’s selected currency and wires them to the merchant’s international bank account when requested.

This structure effectively combines local acquiring with cross border settlement.

Payout – Local Disbursements

While the dedicated Payout product page is less accessible, the FAQ explains that merchants can create payout transactions using USD or EUR as the source currency and BRL, MXN, COP or CLP as local payout currencies. The system sends funds to registered beneficiary accounts, and settlement time for international withdrawals is typically 1 to 2 working days, depending on channel and country.

Pix Global – Instant Cross Border Collection

Pix Global is presented as an instant payment solution for global companies wanting to accept Brazil’s Pix in cross border scenarios. The flow described is:

1. Merchant inputs a charge amount in USD.

2. FacilitaPay generates a QR code with the equivalent BRL value.

3. The customer pays locally via Pix by scanning the QR code.

4. The payment is credited to the merchant’s account on the platform.

5. Funds are later settled to the merchant’s account in USD.

The provider stresses 24/7 availability, real time confirmation, and lower fees relative to conventional credit cards for Pix based flows.

Payment Methods – Local Schemes And Alternatives

The Payment Methods product consolidates local schemes in each country:

• Brazil

  • Pix instant payments

  • Boleto Bancário

  • Local credit cards with installments (e.g. up to 12 installments)

  • Local debit cards

  • Bank transfer and online debit as alternative payments

  • Crypto settlement options and stablecoin based settlement

  • Digital wallets

• Colombia

  • PSE (Pagos Seguros en Línea) for bank transfers

  • Cash voucher networks such as Baloto, SuRed and Efecty

  • Local credit and debit cards with installment options

  • Cryptocurrencies as a settlement and payments rail

• Mexico

  • Local credit and debit cards with installments

  • Voucher and cash based methods such as OXXO and OXXO Pay

  • SPEI online bank transfers

  • Digital wallets

  • Crypto related settlement and on/off ramp options

Across markets, the company positions itself as providing local cards, alternative payments, local transfers and digital wallets to reach more than 95 percent of consumers in emerging markets.

FacilitaPay operates multi currency internal accounts in BRL, MXN, COP, USD, EUR and selected stablecoins.

Accounts, Currencies, FX And Settlement

FacilitaPay operates multi currency internal accounts in BRL, MXN, COP, USD, EUR and selected stablecoins. FX can be handled in two modes:

• Automatic FX, where conversions are executed during business hours when the market is open.

• On demand FX, where customers choose the timing of conversion and rates are locked at that moment, with an additional cost.

Risk Management, Compliance And Security

FacilitaPay highlights a localized fraud engine and machine learning tools designed to increase approval rates on card transactions while reducing risk, combined with 24×7 monitoring and a target of 99.999 percent platform uptime.

Integration Options And Developer Experience

The provider offers three integration formats:

• API integration for full automation

• FacilitaPay Portal for manual operations

• Hybrid mode combining API and portal usage

The API supports:

• Registering customers

• Creating transactions

• Checking FX rates

• Creating settlements and exchanges

• Downloading statements

• Checking account balances

Developers can register payers and create transactions via endpoints such as POST /subject/people (companies) and POST /transactions, and can configure webhooks to receive notifications including events like non identified payments.

Conclusion

FacilitaPay is a specialist provider for cross border payments into and out of Latin America, with a strong focus on Brazil, Mexico, Colombia and Chile. Its public materials describe a single platform that combines local acquiring, multi currency internal accounts, instant Pix based collection, cash and voucher networks, bank transfers, digital wallets, crypto settlement and a recurring card solution that uses PCI DSS compliant tokenization and 3D Secure.

From a merchant’s perspective, the offering is built around three pillars:

• Localized payment acceptance and payout in key Latin American markets via Pay In, Payout and Pix Global.

• A broad catalogue of local methods, including card installments, bank transfer schemes, cash vouchers and increasingly important digital and crypto options.

• Operational infrastructure that covers FX, settlement, fraud control, chargeback handling, reporting and developer integrations through API and portal.