Qitero Qitero

Servipagos

Country: Ecuador (EC)  |  Payment Rail: closed_loop_wallet

Cash Market Adoption: 12%

Servipagos is the premier cash collection and agent banking network in Ecuador, featuring nationwide cash payment points widely used for e-commerce cash vouchers, bill payments, and unbanked consumer checkout.

🔄 User Payment Flow

  1. User selects Cash Voucher / Servipagos at online checkout
  2. Merchant generates payment voucher slip with barcode and unique reference code
  3. User visits any Servipagos branch, pharmacy (Cruz Azul, SanaSana), or Red Facilito agent
  4. User presents voucher code and pays in cash (USD)
  5. Agent prints physical receipt and payment confirmation updates immediately

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant registers cash payment request via aggregator API (dLocal, Kushki, EBANX)
  • Customer deposits cash at local Servipagos agency
  • Network confirms cash collection and triggers webhook callback
  • Merchant releases order and dispatches goods

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal🔌 Kushki