OnePay is an intelligent collection and payment platform for enterprises with recurring billing in Colombia and Latin America. It unifies all major local payment methods—PSE, credit/debit cards, Nequi, Daviplata, BreB transfers—into a single API, automates AI‑driven payment reminders via WhatsApp, email or calls, and enables customers to pay in four clicks without leaving the messaging app, achieving a 93% first‑attempt success rate and reducing cash‑collection cycles to five days. The solution also offers white‑label payment portals, instant disbursements, subscription management, and enterprise‑grade security (PCI DSS Level 1, ISO 2701, end‑to‑end encryption).
Funding
Funding not disclosed
Founders
Product
Problem
Companies with recurring billing in Colombia and Latin America often face slow collection cycles, low payment success rates, and fragmented payment channels that require multiple integrations and manual follow‑up, leading to delayed cash flow and high operational costs.
Solution
OnePay offers an intelligent collection and payment platform that consolidates all major Colombian payment methods—including PSE, credit/debit cards, Nequi, Daviplata, and instant BreB transfers—into a single integration. The platform automates the full payment journey: it sends AI‑driven reminders via WhatsApp, email or calls at the optimal moment, enables customers to complete transactions in four clicks without leaving the messaging app, and provides real‑time reconciliation. An orchestration engine retries failed attempts across alternative methods, achieving a 93% first‑attempt success rate and accelerating cash receipt to an average of five days versus the industry’s 25‑day norm. OnePay also supports white‑label payment portals, bulk disbursements, and subscription‑based automatic debits, all secured with PCI DSS Level 1, ISO 27001 compliance and end‑to‑end encryption.
Target Audience
OnePay serves enterprises with recurring billing needs in Colombia and Latin America, including utilities, ISPs, financial institutions, and other B2B service providers that require high‑volume, multi‑channel payment collection and disbursement.
Features
- Unified API supporting PSE, Visa/Mastercard/Amex, Nequi, Daviplata, BreB, cash points and automatic debit methods
- AI‑powered reminder engine that selects the optimal channel and timing for each payer
- WhatsApp payment flow with 98% message open rate and payment completion in four taps
- Real‑time transaction monitoring, automatic method fallback, and 93% success on first attempt
- White‑label payment portal allowing customers to view balances and pay invoices under the brand’s UI
- Instant disbursements to bank accounts or digital wallets via API or bulk file, available 24/7
- Subscription management with up to three pre‑registered payment methods per customer and smart retry logic
- Enterprise‑grade security: PCI DSS Level 1, ISO 27001, end‑to‑end encryption, tokenization and 24/7 fraud monitoring