Qitero Qitero

PagoPlux

Country: Ecuador (EC)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 6%

PagoPlux is a prominent Ecuadorian omnichannel payment gateway, featuring support for local card installments and multi-channel checkout widely used for retail e-commerce and tuition payments.

🔄 User Payment Flow

  1. User selects PagoPlux at online checkout
  2. User chooses payment method (Cards with 3-12 month diferidos, DeUna, or Cash)
  3. User completes 3D-Secure card verification or confirms bank transfer
  4. Transaction clears and order status updates instantly

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls PagoPlux Gateway API to generate secure payment form
  • PagoPlux manages card authorization, anti-fraud scoring, and bank capture
  • Payment settles in USD to merchant bank account
  • Merchant system receives synchronous payment confirmation