unipago

Unipagos is a Mexican fintech company founded in 2013 that operates a mobile-based digital wallet and electronic payment system focused on financial inclusion. Headquartered in Mexico City on Paseo de la Reforma, the company provides payment services primarily targeting unbanked and underbanked individuals and small businesses in Mexico. Unipagos enables users to make digital payments, transfers, and purchases using only a mobile phone, without requiring a traditional bank account, debit card, or credit card. The platform operates as a cash-based digital wallet where users can pay bills, purchase mobile top-ups, send and receive peer-to-peer money transfers, and make purchases through an affiliated merchant network. The company offers both consumer-facing mobile applications and business solutions, including merchant payment acceptance, bank deposits, card programs, business accounts, and API integration for partners. Unipagos also provides card issuance services and access to ATM networks. The platform operates in a PCI-DSS Level 1 certified environment and implements managed KYC and AML processes to ensure transaction security and regulatory compliance. Unipagos is regulated by Mexico's Central Bank (Banco de México) and the National Banking and Securities Commission (CNBV), and holds the status of Visa Principal Member, certified as an issuer processor for Latin America and the Caribbean. The company positions itself as a financial inclusion provider with both economic and social missions, aiming to enable disadvantaged populations to participate fully in the digital economy. Unipagos has expanded its services to include remittance reception through partnerships with international money transfer operators, allowing recipients in Mexico to receive funds through their Unipagos mobile money accounts using only a Mexican mobile number.