Qitero Qitero

DeUna

Country: Ecuador (EC)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 24%

DeUna is the leading mobile digital wallet in Ecuador backed by Banco Pichincha, featuring instant phone-number transfers and QR code payments widely used for retail shopping, e-commerce, and P2P transfers.

🔄 User Payment Flow

  1. User selects DeUna at checkout or scans merchant DeUna QR
  2. User opens DeUna app on smartphone via deep link or camera scan
  3. User confirms amount and verifies recipient details
  4. User authorizes payment with FaceID, fingerprint, or PIN
  5. Funds transfer immediately in USD from linked bank account

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant integrates DeUna via DeUna Negocios API or PSP (Kushki, Payphone)
  • Checkout generates dynamic QR code or in-app payment request
  • Customer confirms transfer in DeUna mobile app
  • Merchant receives instant API callback and funds settle in real-time

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal🔌 Kushki