Paymóvil

Paymóvil: A Merchant-Focused Overview Of Payment Acceptance Options

Paymóvil is a payment service provider in Colombia focused on helping merchants accept digital payments across in-person and online channels. Paymóvil supports card acceptance through a mobile POS device and contactless tap-to-phone flows, plus online collection methods such as payment links, payment buttons, QR codes, and gateway-style integrations for web and in-app checkout.

Paymóvil For Merchants

Paymóvil’s product set is built around a few core merchant needs:

• Accept card payments in person using a mobile card reader that connects to a phone via Bluetooth.
• Accept contactless card payments using a smartphone-based tap-to-phone flow (“tarjeTAP”).
• Sell online using a payment gateway with multiple implementation formats, including embedded checkout, redirect flows, and API-based integrations.
• Collect payments using operational tools such as payment links, payment buttons, QR codes, and subscription-related flows.

Paymóvil positions its solutions for small businesses and digital-first operations, with onboarding and account usage managed through a platform and app-based workflow.

Payment Acceptance Channels

SoftPOS Tap To Phone

Paymóvil supports contactless acceptance through “tarjeTAP,” designed for merchants who want to turn a smartphone into a payment acceptance endpoint for contactless cards.

Online Web Checkout

Paymóvil provides online checkout capabilities for merchants who want to sell beyond a physical store. The payment gateway offering includes multiple integration formats and is presented as suitable for taking a storefront online, including national and international sales use cases.

In-App Payments

Paymóvil also supports integration into merchant software or apps, enabling “transparent checkout” experiences that can be embedded into a merchant’s customer journey.

Supported Payment Types And Schemes

Paymóvil lists support for multiple payment methods commonly used in the Colombian market, including:

• Cards: Visa and Mastercard are listed for card acceptance, including contactless and card payments via payment links. For the Datáfono Móvil offering, Diners Club is also listed.
• Bank Transfer And Account-To-Account: Account movement is listed via Transfiya. Paymóvil’s registration flow also references payment links and PSE for merchants, indicating a bank-transfer oriented option in the onboarding context.
• Digital Wallets: Paymóvil lists support for electronic wallets such as Nequi, Daviplata, Movii, and Dale!.
• Cash (Operational Context): In the “Recaudo TaT” use case, cash is explicitly included among the payment options that can be offered to TaT customers.

Checkout And Billing Flows

Paymóvil describes multiple checkout and collection flows that merchants can use depending on channel and sales motion:

• Payment links: A link-based collection method is explicitly listed, including card payments via links.
• Payment buttons: A button-based web collection method is offered alongside payment links.
• QR code payments: QR codes are referenced as a payment method available to users in the platform context.
• Subscriptions and tokenization: The payment gateway section references subscription payments and tokenization, indicating support for recurring scenarios and stored-payment style primitives.

Pricing And Fees

Paymóvil presents pricing as tariffs per successful transaction for specific collection methods. The public tariffs shown include:

• tarjeTAP (contactless): 2.89% + 756 COP + IVA per successful transaction, plus applicable taxes and statutory withholdings where relevant.
• Payment link and payment button (cards, credit and debit): 2.89% + 756 COP + IVA per successful transaction, plus applicable taxes and statutory withholdings where relevant.
• Payment link and payment button (movement between accounts): 756 COP + IVA per successful transaction, plus applicable taxes and statutory withholdings where relevant.

For in-person hardware, the Datáfono Móvil is listed with a one-time price in COP (99,000 COP with IVA included), plus a stated shipping cost (10,000 COP).

Settlement Time And Fund Availability

For the Datáfono Móvil offering, Paymóvil states that merchants receive funds the next banking business day, with restrictions applying. No single universal settlement timeline is stated across all acceptance methods in the same way, so settlement expectations should be treated as program-specific by channel and product.

Gateway Versus Aggregator Model

Paymóvil describes two distinct models for online acceptance that affect the merchant’s acquiring relationship and operational responsibilities:

Gateway Of Payments

In a gateway model:

• The merchant contracts acquiring with a bank of their preference and pays a percentage of sales to that acquirer.
• The merchant pays Paymóvil for technology services, including processing and anti-fraud tooling.
• The merchant obtains a Merchant ID through the acquiring bank.
• The merchant responds to chargebacks applied by the acquiring bank or payment networks.

Aggregator Of Payments

In an aggregator model:

• The merchant contracts acquiring through Paymóvil, described as a distributor of an acquiring bank.
• The merchant pays Paymóvil a percentage of sales for acquiring.
• Paymóvil provides the merchant with a Merchant ID.
• Paymóvil manages chargebacks with the acquiring bank and payment networks, with merchant support.

This distinction can matter for underwriting, onboarding workflows, chargeback operations, and how the merchant experiences acquiring and payment network relationships.

Developer And Integration Options

Paymóvil describes several integration formats for online acceptance:

• Embedded checkout and redirect-based flows (including iFrame references)
• REST API and web services options for integration into merchant systems
• App and software integrations for in-app or “transparent checkout” experiences

Reporting And Merchant Operations

Paymóvil references operational capabilities that matter to merchants running reconciliation and day-to-day finance workflows, particularly in distribution and field sales settings:

• The Recaudo TaT use case emphasizes real-time visibility into collection operations.
• It also references automatic reconciliation of collections and invoices, and route efficiency improvements.

Use Cases For Merchants

Paymóvil’s positioning maps to several merchant use cases:

• Small merchants and microbusinesses: Phone-based acceptance for card payments and link-based collection to support low-friction selling.
• Omnichannel sellers: A combination of in-person acceptance (Datáfono Móvil) and online acceptance (payment gateway, links, buttons).
• App and software-led businesses: API-style integration for embedded checkout experiences inside merchant software or apps.
• Distribution and field sales (TaT): Electronic collection with options that include cards, wallets, cash, and operational tools for reconciliation and real-time visibility.
• Cash-on-delivery operations: A dedicated “Pago Contra Entrega” use case is listed as part of Paymóvil’s solutions menu.

Conclusion

Paymóvil offers a set of payment acceptance tools aimed at merchants who need flexible collection across in-store and online environments in Colombia. Its coverage includes mobile POS hardware, tap-to-phone contactless acceptance, payment links and buttons, QR-based collection, and gateway integrations that support embedded, redirect, and API-driven implementations. Paymóvil also differentiates gateway and aggregator operating models, which can affect acquiring relationships and chargeback workflows. Public pricing is presented as per-successful-transaction tariffs for key collection methods, with device pricing stated separately for the mobile POS hardware.