Experts in Latin American payments

Payments that
route themselves
across Latin America.

Key2Pay is the payment infrastructure for LATAM. Cards, PIX, SPEI, PSE, cash and wallets behind a single API — with routing, retries and settlement that run themselves, so your team stops babysitting failed transactions.

Create account Talk to sales →

Countries live

T+1

Typical settlement

USD

Single balance

PCI DSS certified

ROUTING DECISION
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Local methods, one contract

Smart routing

Every transaction picks its own acquirer.

Issuer behaviour in LATAM changes by hour, BIN and city. Key2Pay scores each acquiring path on live approval data, cost and settlement speed — then sends the transaction down the lane most likely to clear. Declines are retried on a different rail in milliseconds, not the next day.

LIVE LANES

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Reconciliation & settlement

Books that close themselves.

Eight acquirers, four currencies, a dozen settlement files. Key2Pay matches every payout line to the original transaction, flags the exceptions worth a human, and pushes clean journal entries to your ERP.

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Coverage

Local acquiring in ten markets.

Domestic entities, domestic settlement, domestic approval rates — not a cross-border gateway wearing a local badge.

MX · BR · CO · CL · PE · AR · EC · GT · CR · PA

Developers

One API for the whole region.

Idempotent REST, signed webhooks, sandbox with real rail behaviour per country, SDKs for Node, Python, PHP, Go and Java. Payouts use the same object model as pay-ins.

Read the docs Get sandbox keys

POST /v1/payments

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Start collecting in LATAM this quarter.

Sandbox in minutes. Local acquiring contracts handled by us.

Create account Talk to sales

Payments that
route themselves
across Latin America.

Every transaction picks its own acquirer.

Books that close themselves.

Local acquiring in ten markets.

One API for the whole region.

Start collecting in LATAM this quarter.

Four products, one ledger.

Market by market.

Build against real rail behaviour.

Priced per market, quoted per volume.

Payments thatroute themselves across Latin America.

Every transaction picks its own acquirer.

Books that close themselves.

Local acquiring in ten markets.

One API for the whole region.

Start collecting in LATAM this quarter.

Four products, one ledger.

Market by market.

Build against real rail behaviour.

Priced per market, quoted per volume.

Payments that
route themselves
across Latin America.