Merchant Integration
As a merchant on Pago46, you access a hybrid network of physical points where your users can pay or receive cash. You manage everything digitally through our API.
Available Services
Pay-In (Collections)
Allow your users to pay with cash at any point in the network.
Use cases: Wallet top-ups, subscriptions, e-commerce, services.
Pay-Out (Disbursements)
Allow your users to withdraw cash or receive payments at physical points.
Use cases: Balance withdrawals, payments to workers, remittances, refunds.
Foreign Currency
Operations with currency conversion.
→ View Foreign Currency documentation
Checkout
Embed the web Checkout application in an iframe for Pay-In and Pay-Out flows.
Orders contain the redirect_url field, which is the Checkout link your user
uses to continue the flow.
- Sandbox:
https://checkout.dev.pago46.io - Production:
https://checkout.prd.pago46.io - Per-order format:
https://checkout.{dev|prd}.pago46.io/{UUID}
You can also open Checkout home (without UUID) and enter the order id manually for iframe integration testing.
Integration Flow
The architecture is Server-to-Server with HMAC SHA-256 authentication.
Integration Steps
- Get your credentials - Receive your
Merchant-KeyandMerchant-Secret - Implement HMAC authentication - View guide
- Create orders - Use
POST /merchants/orders/pay-inor/pay-out - Receive webhooks - Configure your HTTPS endpoint for notifications
All requests require HMAC authentication. Review the authentication documentation before starting.
Environments
| Environment | URL | Usage |
|---|---|---|
| Sandbox | api.dev.pago46.io | Development and testing |
| Production | api.prd.pago46.io | Real operations |
Order Lifecycle
Orders transition through states that we report via webhooks:
You will receive an HTTP POST notification to your notify_url every time the state changes.
Coverage
Pago46 operates in multiple countries across Latin America. View complete list.