GrupoEthosPay provides a fully digital fintech platform that offers underbanked Mexican consumers and SMEs access to Visa‑backed credit cards, electronic wallets, and integrated payment processing via POS terminals and SPEI transfers. The solution also includes SaaS tools for supplier and invoice management, enabling real‑time credit scoring, cash‑flow monitoring, and automated collections without physical branches.
Funding
Funding not disclosed
Founders
Product
Problem
Many individuals and small‑medium enterprises in Mexico lack access to affordable credit, digital cash‑flow tools, and integrated payment solutions, forcing them to rely on fragmented, high‑cost financial services.
Solution
Grupo EthosPay offers an all‑in‑one fintech platform that digitizes onboarding, credit risk assessment, and financial product delivery. Through web and mobile applications, users can obtain Visa‑backed credit cards, manage electronic wallets, and process payments via POS terminals or SPEI transfers. The suite includes SaaS tools for supplier and invoice administration, enabling businesses to monitor cash flow and automate collections. All services are provided through a fully digital workflow, reducing the need for physical branches and lowering operational costs for both consumers and SMEs.
Target Audience
Primary customers are underbanked consumers and small‑to‑medium businesses in Mexico that need accessible credit, digital payment processing, and cash‑flow management tools.
Features
- 100 % digital client onboarding with automated identity verification
- Real‑time credit and risk scoring powered by proprietary algorithms
- Integrated electronic wallet and Visa‑backed credit cards for personal, corporate, and health‑related expenses
- Cloud‑based supplier and invoice management portal for streamlined cash‑flow control
- Wireless POS terminals supporting Visa, Mastercard, and AMEX payments
- Direct SPEI integration for instant bank transfers and cash‑in/out operations
- SaaS platform that can be white‑labeled or embedded into partner ecosystems