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Pago46

Pago46 in Ecuador

The most complete payment network in Latin America

Retail chains, pharmacies, banks and our Socios46 network: your customers pay in cash close to home in Ecuador, and you reconcile it all through one API.

Get in touchSee networks in Ecuador

40+ payment networks and +5000 Socios46 across six LATAM countries.

How a Socio46 collects

  1. 1

    Tops up a balance

    From the app, with a bank transfer.

  2. 2

    Takes the cash

    Your customer comes in with their payment reference and hands the cash to the Socio46.

  3. 3

    Pays with the balance

    The Socio46 confirms the order in the app and you see it paid instantly.

Order paidConfirmed by a Socio46US$50
6
Countries live
40+
Payment & collection networks
+5000
Socios46
1
API for six countries

Socios46 in Ecuador

The payment point network we built ourselves

Merchants and individuals in Ecuador operate as Socios46: they take cash payments from their neighbours and confirm them with their balance in the app. That's how we reach places no bank or retail chain does.

  • Signs up from the app

    Open the Socios46 app, register the point and verify identity. The whole process is digital.

  • Works with their own balance

    They top up with a bank transfer. When someone pays them an order in cash, they confirm it with their balance and keep the cash.

  • Earns on every operation

    Every collection served earns the Socio46, without changing what their business does.

  • It stays their business

    Being a Socio46 doesn't replace what they already sell: it adds a service that brings people into the shop.

Start from the app

Sign-up, balance top-ups and every operation happen in the app.

No download neededWeb AppGet it onGoogle Play
Top-up guide for Ecuador
Become a Socio46Explore the Socios46 network

What we ship

What you'd otherwise build country by country.

Pay-in
Accept cash, bank transfers and local payment methods. Single API across countries; payment-method routing per country and merchant.
Partner Portal
Self-service onboarding, organization-level RBAC, API keys and a real-time view into transactions, settlements and reconciliation.
Socios46 Network
Our proprietary network turns local merchants and individuals into cash payment points. It expands coverage, enables operations in unbanked areas, and complements traditional networks.
Compliance built-in
KYC, country-specific limits, AML controls and audit trails — designed against LATAM regulatory reality.

Before you build

Can you integrate Pago46's rails?

Check eligibility and the compliance requirements for cash-in in Ecuador.

Rail Integration Check

Where do your customers pay in Ecuador?

Your customers pay in cash at Socios46 and at the payment networks integrated in Ecuador — all behind one API.

  • Socios46+5000 points
  • Facilito
  • Ponle+
  • Western Union

Coverage in other countries

Partner names and marks are trademarks of their respective owners.

The money journey

See exactly how the money moves

Follow a cash payment end to end — from your customer at the payment point to your account.

See the money flow

Already powering payments for

  • Uber
  • Rappi
  • PedidosYa
  • Bmoni

Who builds on Pago46

Teams that need a single payments contract across countries — and a counterpart who understands cash.

Marketplaces
Take cash from buyers and reconcile across borders. No country-specific integrations.
Wallets & neobanks
Plug cash top-up from the Socios46 network and local payment networks into a wallet UX without staffing one country team per market.
Regulated fintechs
Use Pago46 as your regulated rails while you focus on the product surface. SLAs, audits and country compliance handled.

Built for cash-first economies.

Tell us what you're building and where. We'll come back with the shortest path live.

Talk to us