---
title: 'Unlimit Vs Mercado Pago Vs Bold: 6 Best Payment Gateways In Colombia (2026)'
description: 'Unlimit (number 1), Mercado Pago, Bold and 3 more payment gateways in Colombia, scored on 11 weighted criteria for cross-border merchants.'
url: 'https://www.unlimit.com/blog/payments/payment-gateway-colombia/'
image: 'https://cdn.unlimit.com/wp-content/uploads/2026/10/22105606/payment-gateway-colombia-thumbnail.webp'
language: en
translations:
  es: 'https://www.unlimit.com/es/blog/payments/pasarela-de-pagos-colombia/'
published: '2026-10-22T13:00:23+00:00'
modified: '2026-10-22T13:00:29+00:00'
categories:
  - Payments
---

> The index of this site for AI agents is at https://www.unlimit.com/llms.txt

# Unlimit Vs Mercado Pago Vs Bold: 6 Best Payment Gateways In Colombia (2026)

Six payment gateways in Colombia ranked for businesses selling into the country, scored on local methods, onboarding, licence, settlement, pricing and developer tools, verified October 2026.

## Key takeaways

- Unlimit ranks number 1 of 6 at 7.3 / 10 for cross-border merchants entering Colombia. Non-resident onboarding is the criterion that limits its score.
- Mercado Pago (number 2) suits online stores that accept cards, PSE and cash. Bold (number 3) is the choice for API teams with a Colombian company and bank account.
- Local status splits the field: 3 of 6 ranked providers publish information on non-resident onboarding and 3 of 6 on their licence. The [RANV](https://www.superfinanciera.gov.co/RegistroAdquirente/faces/reporteRegistroAdquirente.xhtml) covers non-supervised acquirers, not every gateway or supervised financial institution; absence from it does not establish that a provider operates without authorisation.
- All 6 ranked providers publish their local methods, so check card, PSE and cash coverage first.
- Work through the criteria in order: onboarding, licence, settlement (6 of 6), one integration across markets (5 of 6) and payouts (6 of 6). No single provider is best for every business.

## The short answer

The best payment gateway in Colombia depends on the buyer: Unlimit suits cross-border merchants entering Colombia, Mercado Pago online stores and Bold teams integrating by API. Onboarding splits the field: 3 of 6 ranked providers publish information on non-resident onboarding.

## The ranking

Six payment gateways serving Colombia online, ranked by a weighted score out of 10, verified October 2026.

| Rank | Provider | Best for | Price band | Score / 10 |
|---|---|---|---|---|
| 1 | Unlimit | Cross-border merchants entering Colombia | Mid | 7.3 |
| 2 | Mercado Pago | Online stores | Mid | 6.8 |
| 3 | Bold | Teams integrating by API | Mid | 6.4 |
| 4 | ePayco | Online stores | Mid | 6.4 |
| 5 | Wompi | Teams integrating by API | Mid | 5.8 |
| 6 | PayU | Cross-border merchants entering Colombia | Mid | 4.8 |

*Price bands: Low means published card rate of 2.9% or less per transaction, with no monthly fee (no entry in this list). Mid reflects published card rate above 2.9%, a published monthly fee, or quote-based pricing. High means enterprise contract or interchange++ pricing with a setup fee or a monthly minimum (no entry in this list). Scores: Unlimit scoring rubric, see How this was scored. Source: providers’ pricing pages, October 2026.*

## What is a payment gateway in Colombia?

A payment gateway is the technology that connects a merchant’s website or app to the systems that process a customer’s payment. It securely passes the payment request for authorisation and returns the transaction result, so the checkout can show whether the payment succeeded.

For Colombian merchants, the gateway supplies the technology needed to accept enabled payment methods through a website or app. [Colombia’s payment framework](https://www.funcionpublica.gov.co/eva/gestornormativo/norma.php?i=153787) describes access technology that lets merchants accept payment instruments online. When comparing gateways, check the supported methods and the API or plugin available for your store.

## How this was scored

Each provider is scored out of 10 on the weighted criteria below, each criterion against the best provider in the comparison, which scores 10; every provider goes through the same process with its position left as measured.

Published by Unlimit. Unlimit is number 1 on this list and is scored on the same rubric as every other entry.

| Criterion | Description | Weight |
|---|---|---|
| Local method coverage | Which of the market’s cards, local card schemes, instalments, wallets, bank transfers and cash methods the provider accepts online. | 18% |
| Developer experience | API documentation, hosted checkout, SDKs and plugins available for integration. | 10% |
| Pricing transparency | Whether the provider publishes its rates and fees, and how much of its pricing is published. | 8% |
| Settlement & FX | How the merchant receives its own funds: settlement timing, local and foreign settlement currencies, multi-currency accounts, FX handling and the accounts it can settle to. | 12% |
| Regulatory licence | Licence or authorisation verified in the regulator’s public register, not by the provider’s own claim. | 12% |
| Non-resident onboarding | Whether a merchant without a local entity, local tax ID or local bank account can open an account to accept payments in the market, and on what conditions. | 14% |
| Multi-market reach | How many named markets the provider accepts payments in, and whether one integration, account or contract covers the market together with other named markets. | 12% |
| Payout capability | Whether the provider sends payouts to third parties such as sellers, partners and customers, by API or in bulk, to which methods, including cards and instant local rails, and in which markets and currencies. | 4% |
| Local acquiring | Whether the provider acquires card payments in the market itself, under its own licence or principal card-scheme membership, or through partner acquirers. | 4% |
| Support & reliability | Published support channels, status information, security certification, and incidents or sanctions. | 4% |
| Recurring & card-on-file | Subscription and recurring-payment APIs, stored-card tokens, network tokens, card-data updates and the import of tokens from another provider. | 2% |

*Sources: every provider fact was checked against the provider’s own pages or filings in October 2026; market figures carry their source and date inline.*Known limitations: only providers serving Colombia online were scored; price bands reflect published rates or, where none are published, the pricing model, so a merchant’s quote may differ; Unlimit publishes this list and is ranked in it; the list is not professional advice.

## Where Unlimit fits

For a merchant outside Colombia, Unlimit is number 1 of 6. Non-resident onboarding limits its score because Unlimit publishes no information on non-resident onboarding for Colombia. Unlimit provides global financial infrastructure that supports cross-border commerce for businesses, consumers and AI agents. It [offers](https://www.unlimit.com/)more than 1,000 payment methods worldwide and gives access to over 150 currencies across more than 200 locations. Unlimit states on its [processing page](https://www.unlimit.com/payment-processing/) that card processing and local payment methods run through a single API integration.

These global figures describe Unlimit worldwide, not any single market, and coverage varies by market. Unlimit’s payment methods are published in its [documentation](https://integration.unlimit.com/api-reference/3a07b2e28ab37-get-payment-and-payout-methods), and Unlimit enables them for each merchant during onboarding.

Businesses incorporated outside Colombia can accept payments from customers in Colombia through one Unlimit API integration, without a company, office or bank account in Colombia. During onboarding, Unlimit tells each merchant which documents each payment method needs. If Unlimit does not hold a licence itself, it processes payments through licensed partners and settles in the currency agreed with the merchant.

Before integration starts, ask which Unlimit entity contracts with the merchant and which partner processes payments for Colombia.

Payouts can be sent in real time with a single API integration, through global and country-level APMs, major card schemes, bank transfers, e-wallets and instant payment rails, and marketplaces can pay sellers and partners in multiple currencies across regions ([payouts page](https://www.unlimit.com/payouts/)).

Unlimit is right for merchants based outside Colombia that need payouts to sellers and partners through one integration. It is not the best fit for merchants that must compare published rates before applying.

Start accepting payments in Colombia and globally with one integration

[Talk to sales](https://www.unlimit.com/contacts/)

## Every entry

Each entry below gives one strength and one criticism, in rank order, so a buyer can compare like with like.

### Unlimit

- Badge: Publisher’s entry
- Verdict: Unlimit suits businesses based outside Colombia that want one integration across several regions, though its rates are negotiated rather than listed.
- Best for: Cross-border merchants entering Colombia.
- Price band: Mid. Quote-based, negotiable individual plan, no published rates ([Unlimit’s guide to getting a merchant account](https://www.unlimit.com/blog/ecommerce/how-to-get-a-merchant-account/)).
- Company: Its [privacy notice](https://www.unlimit.com/website-privacy-notice/) says products are provided by different Unlimit Group entities or duly authorised third parties. Its [integration documentation](https://integration.unlimit.com/doc-guides/117tf2l35yzf7-b-one-click-recurring-payments) lists plugins for Magento, WooCommerce, OpenCart and PrestaShop, platforms such as VTEX, Telegram, Shoplazza, Yuno, DEUNA and Shopline, and testing data with backend, frontend and mobile SDKs.
- Strength: Its [payment processing page](https://www.unlimit.com/payment-processing/) says merchants can work with a single provider across Latin America, Africa, India and Asia-Pacific. Unlimit’s [home page](https://www.unlimit.com/) offers round-the-clock support, multi-currency acceptance, and support for seamless pay-ins and pay-outs.
- Criticism: A merchant incorporated outside Colombia should ask during onboarding which documents each payment method needs, because requirements are set per method, and decide how quickly it can go live.
- **Use cases:** Unlimit’s [Colombia coverage](https://www.unlimit.com/coverage/latam/colombia/) lists Visa, Mastercard, AMEX, Diners and Codensa cards; Apple Pay and Google Pay; Mercado Pago and PayPal wallets; PSE, Transfiya, Bancolombia and Davivienda online banking; and Efecty, Baloto, Refacil and Acyvalores cash payments. Its [payment and payout methods API](https://integration.unlimit.com/api-reference/3a07b2e28ab37-get-payment-and-payout-methods) documents how to retrieve available methods. Confirm the methods enabled for your merchant account during onboarding.
- Risk signals: Get the settlement currency and timing in writing ([payment processing page](https://www.unlimit.com/payment-processing/)), and ask for the individual plan’s rates before signing (merchant account post).
- Score: number 1 of 6, 7.3 / 10, verified October 2026.

Start accepting payments in Colombia and globally with one integration

[Talk to sales](https://www.unlimit.com/contacts/)

### Mercado Pago

- Verdict: Mercado Pago suits online stores that already have a Colombian company, since its company account asks for local identity documents.
- Best for: Online stores.
- Price band: Mid. Percentage rate plus fixed fee per transaction ([Mercado Pago’s checkout page](https://www.mercadopago.com.co/herramientas-para-vender/check-out)).
- Company: Mercado Pago S.A. Compañía de Financiamiento, which offers the Mercado Pago Financiera deposit product in Colombia, is covered by Fogafín deposit insurance ([account page](https://www.mercadopago.com.co/cuenta)); confirm the entity’s licence in the regulator’s register.
- Strength: Customers can pay with Visa, Mastercard, Amex, Diners and Codensa credit cards, Visa Electron and Mastercard Debit as debit cards, PSE bank transfer, Efecty cash and the Mercado Pago wallet ([checkout FAQ](https://www.mercadopago.com.co/herramientas-para-vender/check-out)).
- Criticism: A company account requires the NIT, the Cédula and being the legal representative. The [account-type page](https://www.mercadopago.com.co/signup/splitter) does not say whether a merchant without a Colombian entity or tax number can register. A foreign company should get a written answer first.
- Use cases: Online stores using Checkout transparente can offer credit cards with interest-free months ([checkout page](https://www.mercadopago.com.co/herramientas-para-vender/check-out)); its [documentation](https://www.mercadopago.com.co/developers/en/docs/getting-started) lists seven countries in its availability table, Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay.
- Risk signals: The developer documentation names a Mercado Pago or Mercado Libre account as the first step and states no residency, tax number or bank account conditions ([getting-started guide](https://www.mercadopago.com.co/developers/es/docs/getting-started)). A foreign merchant should ask which of these conditions apply to it.
- Score: number 2 of 6, 6.8 / 10, verified October 2026.

### Bold

- Verdict: Bold suits Colombian-based teams that integrate payments by API; a business based abroad cannot register.
- Best for: Teams integrating by API.
- Price band: Mid. Percentage plus fixed fee per transaction before tax, special rate on request ([pricing page](https://bold.co/tarifas)).
- Company: Bold states that Bold CF Compañía de Financiamiento is supervised by the Superintendencia Financiera de Colombia and that its deposits carry Fogafín insurance ([account page](https://bold.co/pagos-y-cuenta)); check the licence number in the regulator’s register.
- Strength: Merchants can receive sales money the same day in their Cuenta Bold or the next day before 10 a.m. in any bank account of their choice ([account page](https://bold.co/pagos-y-cuenta)).
- Criticism: Its general [merchant terms](https://bold.co/legal/comercios-generalidades) require the merchant to be domiciled in Colombia, and a [Cali page](https://datafonos.bold.co/bold-en-cali/) says a merchant cannot register without a Colombian bank account. A company without both cannot use Bold.
- Use cases: Its online payments [API page](https://bold.co/pagos-en-linea/api/pagos-en-linea) lists credit cards, debit cards, PSE and Nequi for national and international payments in Colombia, and its [guide](https://bold.co/academia/desarrollo-de-negocio/como-recibir-pagos-internacionales) to international payments says PSE and various digital wallets are accepted in addition to cards, without naming the wallets.
- Risk signals: A foreigner can register with a Cédula de Extranjería or a PPT only with an account at a Colombian financial institution ([Cali page](https://datafonos.bold.co/bold-en-cali/)), and a Cuenta Bold must be opened on a mobile device through the Bold CF app with a personal identity document and know-your-customer information ([account regulation](https://bold.co/cf/legal/reglamento-de-cuenta-bold)).
- Score: number 3 of 6, 6.4 / 10, verified October 2026.

### ePayco

- Verdict: ePayco suits online stores in Colombia that want cards, PSE, wallets and cash; a merchant abroad should first confirm whether a non-Colombian bank account is accepted.
- Best for: Online stores.
- Price band: Mid. No published rates; affiliation charge and transaction packages for split payments ([ePayco’s split-payments page](https://epayco.com/pagos-divididos/)).
- Company: Its [data protection policy](https://epayco.com/tratamiento-de-datos/) identifies the company as EPAYCO.COM S.A.S with tax number NIT 900.471.052-8; ask which licence supports its aggregator model before contracting.
- Strength: Its Colombian [gateway terms](https://epayco.com/terminos-y-condiciones-generales-2026/) list Visa, MasterCard, Diners and American Express credit cards, debit cards and cash through Efecty, Gana, Punto Red and Daviplata, and its [homepage](https://epayco.com/) adds PSE, digital wallets and transfers without naming the wallets.
- Criticism: The [aggregator terms](https://epayco.com/terminos-y-condiciones-generales-2026/) ask only for a bank account to receive funds and do not say whether it must be Colombian.
- Use cases: Its [registration guide](https://docs.epayco.com/docs/registro-de-usuarios.md) lets the applicant choose a merchant option (Soy Comercio) or a person option (Soy persona) and fill the form for that option. A company registers through the merchant option.
- Risk signals: A merchant requesting advice shares company information, estimated volume, average sale value, payment methods and platform. The FAQ on ePayco’s [homepage](https://epayco.com/) does not say whether a company without a Colombian entity is accepted. Put that question in the first request.
- Score: number 4 of 6, 6.4 / 10, verified October 2026.

### Wompi

- Verdict: Wompi suits Colombian businesses with a Bancolombia or Nequi account that want developer tools; a company without Colombian banking and a RUT will not meet its onboarding terms.
- Best for: Teams integrating by API.
- Price band: Mid. Percentage plus fixed fee plus IVA on the Avanzado plan, negotiated with Bancolombia on the Gateway plan ([Wompi’s support article on plans and rates](https://soporte.wompi.co/hc/es-419/articles/360020957133--Cu%C3%A1les-son-los-planes-y-tarifas-que-maneja-la-plataforma-Wompi)).
- Company: Wompi states that its payment platform operates with the backing of Bancolombia ([Wompi’s “What is Wompi” page](https://wompi.com/es/co/que-es-wompi)).
- Strength: Its Colombia [quick start](https://docs.wompi.co/docs/colombia/inicio-rapido) describes a RESTful payments API and a payment Widget that keeps customers on the merchant’s website, and its guides cover keys, sandbox and production environments, events and webhooks ([developer page](https://wompi.com/es/co/desarrolladores/documentacion-tecnica)).
- Criticism: A merchant needs a Bancolombia savings or checking account, or a Nequi account, and the RUT as an original PDF issued by the Colombian tax authority DIAN ([Agregador plan page](https://wompi.com/es/co/planes-tarifas/plan-avanzado-agregador)). A company without Colombian banking and tax registration cannot onboard.
- Use cases: A legal-entity merchant uploads the legal representative’s identity document and the RUT without password ([account-creation page](https://wompi.com/es/co/ayuda/como-crear-cuenta)); QR code collection from Bancolombia and Nequi accounts is only for natural persons ([plans page](https://wompi.co/es/co/planes-tarifas/)).
- Risk signals: For the Agregador model the only institution Wompi currently enables to receive disbursements is Bancolombia ([support article](https://soporte.wompi.co/hc/es-419/articles/360056658413--Qu%C3%A9-condiciones-debe-cumplir-la-cuenta-bancaria-que-se-va-a-registrar-en-la-plataforma)), and the [registration page](https://registro.wompi.co/es/onboarding/aggregator) asks for a Bancolombia or Nequi account in the name of the merchant’s holder.
- Score: number 5 of 6, 5.8 / 10, verified October 2026.

### PayU

- Verdict: PayU suits international merchants that want one API integration across Latin America’s markets.
- Best for: Cross-border merchants entering Colombia.
- Price band: Mid. No published rates.
- Strength: Its [documentation](https://developers.payulatam.com/latam/en/docs/getting-started/select-your-payment-method.html) page Payment Methods by Country lists methods for seven named countries, Argentina, Brazil, Chile, Colombia, Mexico, Panama and Peru, and its [website](https://payu.com/) says a single API integration gives access to local PayU providers and partners, local payment schemes and popular payment methods when entering new markets, without naming Colombia.
- Criticism: Its [payment methods page](https://corporate.payu.com/online-payment-methods/) says it accepts all Visa and Mastercard cards issued in any currency and country and gives access to hundreds of local and global methods. The page does not name Colombia. A merchant should ask PayU for its Colombian method list before committing.
- Use cases: Its Colombia [Payments API documentation](https://developers.payulatam.com/latam/en/docs/integrations/api-integration/payments-api-colombia.html) covers integrating payment processing into an online shop with cards, mobile wallets, cash and bank transfers, and Nequi payments use one-step processing, where funds move from the customer’s account to the merchant’s acquiring bank once authorised.
- Risk signals: Its Payouts API allows local payments only: an international merchant can request payouts only from funds collected in the processing country ([payouts documentation](https://developers.payulatam.com/latam/en/docs/services/payouts.html)). Check this limit against any plan to pay suppliers abroad.
- Score: number 6 of 6, 4.8 / 10, verified October 2026.

## Go deeper

### Best for online stores

Mercado Pago (number 2, 6.8 / 10) is the pick for online stores in Colombia: a store gets card, PSE and cash payments and a plugin for several e-commerce platforms from one provider ([checkout page](https://www.mercadopago.com.co/herramientas-para-vender/check-out)).

### Best for teams integrating by API

Bold (number 3, 6.4 / 10) is the pick for teams integrating by API in Colombia: a development team can build payments into its own system or checkout through an Online Payments API for digital merchants, and the API requires meeting specific technical, legal and security standards ([developer documentation](https://developers.bold.co/pagos-en-linea/api-de-pagos-en-linea)). The merchant must be domiciled in Colombia.

### Best for cross-border merchants entering Colombia

Unlimit (number 1, 7.3 / 10) is the pick for cross-border merchants entering Colombia: a merchant based outside Colombia can add Colombian online banking and cash methods through a single provider across Latin America, Africa, India and Asia-Pacific.

### Which licence does a payment gateway need in Colombia, and who holds it?

A gateway’s technology role does not by itself determine an acquiring authorisation. Ask which legal entity signs the merchant contract and which entity acquires the payments. Under [Colombia’s acquiring framework](https://normograma.dian.gov.co/dian/compilacion/docs/decreto_1069_2025.htm), the applicable requirements depend on that entity’s role and supervised status. The [RANV](https://www.superfinanciera.gov.co/RegistroAdquirente/faces/reporteRegistroAdquirente.xhtml) lists non-supervised acquirers; supervised financial institutions must be checked through their applicable SFC records. Not finding a brand in the RANV does not prove that it or its acquiring partner lacks authorisation.

### Can a business without a Colombian company accept payments in Colombia?

A business abroad has three routes: its own Colombian company, a local gateway that accepts foreign companies, or an international payment gateway that works through licensed local partners. Read each provider’s sign-up terms for the tax number, identity documents and bank account they ask for, since these decide which route is open.

### How to choose a payment gateway in Colombia

- Check what each provider asks for at sign-up, such as a Colombian tax number, company documents and a Colombian bank account, because 3 of 6 ranked providers publish information on non-resident onboarding.
- Identify the contracting entity and the acquirer, then verify their applicable SFC supervision or registration. The [RANV](https://www.superfinanciera.gov.co/RegistroAdquirente/faces/reporteRegistroAdquirente.xhtml) covers non-supervised acquirers; it is not a register of every gateway. Three of the six providers publish licence information, which still needs entity-level verification.
- Confirm the settlement currency, account and timing in writing before comparing fees; all 6 providers publish settlement information.
- Count the markets one contract and one integration cover; 5 of 6 providers publish this.
- Test payouts to local parties against your own suppliers and sellers; all 6 providers publish payout information.
- Match the methods your customers use, such as PSE, cash and Bre-B instant payments, now in full-scale operation.

![The decision path for choosing a gateway, drawn from the steps above.](https://cdn.unlimit.com/wp-content/uploads/2026/10/22105618/payment-gateway-colombia-image-1.webp)*The decision path for choosing a gateway, drawn from the steps above.*

No single provider is best for every business, so weigh these steps against your own setup.

Start accepting payments in Colombia and globally with one integration

[Talk to sales](https://www.unlimit.com/contacts/)

## FAQs

**Which payment method is available in Colombia?**The payment methods available in Colombia are card, PSE bank transfer, cash and wallets, and Bre-B adds instant payments. Banco de la República announced on 29 September 2025 that Bre-B, Colombia’s instant payments system, would move to full-scale operation on 6 October 2025 ([announcement](https://www.banrep.gov.co/en/news/bre-b-continues-progress)). Ask any gateway whether it supports Bre-B alongside the card and cash methods your customers already use.

**What is a payment gateway in fintech?**A payment gateway connects a merchant’s website or app to payment-processing systems and returns the transaction result; it is distinct from the acquirer. [Colombia’s acquiring framework](https://normograma.dian.gov.co/dian/compilacion/docs/decreto_1069_2025.htm) permits credit institutions, specialised electronic deposit and payment companies, qualifying cooperatives and eligible non-supervised companies to acquire payments. Ask which entity acquires your payments and verify its applicable supervision or registration.

**What are some of the major fintech companies in Colombia?**Among fintech companies serving Colombian online merchants, the six ranked payment gateways are Unlimit (number 1), Mercado Pago (number 2), Bold (number 3), ePayco (number 4), Wompi (number 5) and PayU (number 6). Settlement currency and timing vary by provider. A business that can only hold local currency should ask each one in writing before signing.

**Which bank has a payment gateway?**A bank can sit behind a payment gateway as the acquirer, because credit institutions are among the entities allowed to carry out acquiring in Colombia. A bank-backed provider still needs its licence entity checked in the terms. Ask each provider whether a bank or another licensed entity acquires its card payments, and ask for fees quoted in the currency you will settle in.

**How do I get a payment gateway?**Get a payment gateway by comparing providers on onboarding terms, then registering as a merchant, submitting the company documents the provider lists and linking the bank account for settlement. A business without a Colombian company should read each sign-up page for the tax number, identity documents and bank account it asks for, and ask in writing which documents each payment method needs.

**What is the best payment gateway in Colombia?**The best payment gateway in Colombia depends on the merchant’s setup rather than on one winner. A business abroad should shortlist providers that state non-resident onboarding terms, while a business with a Colombian company and bank account can also weigh methods, settlement and developer tools. Start from the ranking above and check the licence entity of your final two.

**What are the most popular payment gateways?**This list does not show the most popular payment gateways, because popularity is not a scoring input and providers are ordered by a weighted score out of 10 on published information. Use the ranking to shortlist by fit, then ask each provider about its volume in your sector and market.

**Which payment gateway in Colombia suits a company based outside the country?**Among the ranked payment gateways, Unlimit has cross-border merchants entering Colombia as its best-for segment and ranks number 1 of 6. It offers one provider across Latin America, Africa, India and Asia-Pacific. Its [Colombia coverage](https://www.unlimit.com/coverage/latam/colombia/) lists cards, Apple Pay and Google Pay, Mercado Pago and PayPal, PSE, Transfiya, Bancolombia, Davivienda, Efecty, Baloto, Refacil and Acyvalores; confirm account-level enablement during onboarding.

## Changelog

- October 2026, first publication: 9 providers screened, 6 ranked.
- October 2026, rubric weights locked before research.
- October 2026, rubric revised: weights for cross-border merchants, and each criterion scored against the best provider in the comparison.

## Explore this category

### Payment products

- [payment processing product page](https://www.unlimit.com/payment-processing/)
- [payment methods product page](https://www.unlimit.com/payment-methods/)
- [payouts product page](https://www.unlimit.com/payouts/)