Frequently asked questions

LaFinteca is financial technology that opens doors in Latin America.

We are a fintech company based in Barcelona and São Paulo, built by a mega diverse team from all over Latin America and Europe.

• Direct railsWe connect directly to local rails, no aggregator in the path, so approvals come faster and nothing breaks when a market shifts underneath you.
• One APIOne API reaches all of the markets. Adding a market is a quick activation.
• People in the marketsOur team works inside these markets daily, tracking rules and rails as they shift. Account management and support on any platform you use, in your language, 24/7.

LaFinteca offers three things, built on direct connections to local rails.

• APIIntegrate once, add markets without integrating again.
• DashboardSee every transaction, control every route.
• Fintech solutionsA stack of solutions for businesses operating in Latin America and other regions.

Fill out the form on our contact page, or email us directly at info@la-finteca.com.

Open banking is a system that lets you securely share your bank data with authorized third-party apps and services, such as budgeting tools or alternative lenders. It works through secure APIs rather than risky password-sharing or screen-scraping, so your bank data never has to leave the bank's own systems in an unprotected form. You stay in control: connecting a service redirects you to your bank's own login page, where you explicitly approve what data is shared and for how long. This can unlock services like account aggregation (seeing all your accounts in one app), faster loan approvals, and instant bank-to-bank payments. Regulations provided by government Central Banks require banks to support this, driving competition and innovation in financial services.

You can check all our available payment methods on our Technology page, and how to integrate with each one directly in our API documentation, in the Get Started section.

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Contact us to understand the price for each payment method according to the needs of your checkout.

Fees are charged as a % over the total amount of the successfully completed pay-in or payout. Each method has its own fee. Our team can guide you through the fees — fill out the contact form and we'll be in touch soon.

Yes, the fee already contemplates the VAT and extra taxes.

In case of refund, depending on the reason.

Fees are charged monthly.

Once you're interested in integrating with our solution, our Sales team will share a "Know Your Business" form and ask you to share a list of documents via e-mail. Our compliance team will do a due diligence and might request extra documents if needed, before proceeding with signing the contract.

We guarantee full availability of all our payment methods due to integration with different providers, as well as 24/7 support for issues.

Yes. Within our dashboard, your finance team can check the balance in all their accounts, monitor the list of transactions, get a statement of all pay-ins and payouts, and download files according to the filters and criteria they define in order to reconcile payments.

To reconcile payments, you can follow these steps:
1) Access the LaFinteca Cabinet Dashboard.
2) In the Orders tab, filter transactions by date, currency, payment method, and whether it was a pay-in or a payout.
3) After filtering, export the list of filtered transactions to a CSV file.
4) Compare the CSV file with the transactions registered in your e-commerce platform to settle them.

You can always reach out to our team if you have any doubts about the process.

To integrate our payment methods into your e-commerce checkout, you connect to our API by following the instructions in our documentation.