Propago

Propago Overview

Propago is an Argentina-based payments infrastructure provider that helps companies simplify payments, collections, and financial operations through APIs and modular processing tools. The company positions its solution as a “payments core” that improves operational efficiency and access to credit for businesses that need to move money at scale.

Platform: Klio Core

At the center of Propago is Klio Core, a payment engine with developer documentation that covers authentication, transactional flows, banking as a service endpoints, SmartPOS device APIs, PSP as a Service, Open Banking, KYC and KYB, and more. Merchants and fintechs can review endpoints for login, account management, transfers, QR payments, device tasks, and references for environments and error codes, which indicates an API-first approach to integration.

Key Capabilities for Merchants

Propago lists a set of services designed to cover both online and in-person scenarios, plus compliance and risk needs:

• Open banking – consent token aggregation to enable account linking and pull-payments under local rules.

• Card issuance – the ability to issue branded Visa or Mastercard cards in short timelines, useful for programs that want co-branded or private-label cards.

• Modular solution design – activate only the features you need and connect them as your use case grows, which suits staged rollouts.

• User onboarding – built-in KYC and KYB flows to streamline customer and merchant verification.

• Risk controls – transaction monitoring with risk scoring per operation to support fraud prevention.

• White-label wallet and acquiring – white-label options for wallet builds plus acquiring and card-present payments, which can pair with SmartPOS APIs for device management.

Integration and Operations

For teams that prefer direct API integration, Klio Core documentation outlines endpoints across payments, banking features, QR payments, SmartPOS, and data services. For faster time to market, the docs also include no-code and white-label options like Full Wallet and Full Acquiring. A back-office access link is available from the site for operational users, which suggests role-based management beyond the API layer.

Compliance and Market Presence in Argentina

Propago appears in the Central Bank of Argentina registries. The BCRA includes Propago Argentina SRL in the registry of PSPs that offer payment accounts, and it also lists Propago within the interoperable digital wallet registry, indicating participation in the local regulated payments ecosystem. The Propago blog footer identifies the legal entity as Propago Argentina S.R.L., providing confirmation of corporate identity. These signals are relevant for merchants that must validate local registration before onboarding providers.

Who Propago is For

Propago suits companies building wallets, embedded finance propositions, or card programs that need issuing plus acquiring. It also fits marketplaces and omnichannel merchants that want to combine online acceptance with card-present payments and device orchestration, while maintaining KYC, KYB, and risk controls inside one stack. The modular approach means you can start with a narrow scope, then add services like open banking consent, QR payments, or SmartPOS as your volumes and use cases expand.

Getting Started

Merchants can explore the Klio Core documentation to understand available endpoints, authentication, and environments, then select the relevant modules for their roadmap. For compliance-sensitive projects in Argentina, validating registration details in the BCRA registry can help with internal due diligence before moving to production.