PayCode
PayCode provides a unified financial management platform for educational institutions, centralizing all payment collection through its SAFE ecosystem. The solution integrates with existing academic systems via APIs, supports multiple payment methods including cards, SPEI transfers, and point-of-sale terminals, and automates reconciliation through a centralized treasury module. Six AI agents handle payment distribution, collection, reconciliation, and treasury monitoring.
- Financial Technology
- Education Technology
- AI Agents
- Artificial Intelligence
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Educational institutions often struggle with fragmented payment processes, managing multiple payment methods, systems, and reconciliation efforts across different departments and platforms. This operational complexity diverts staff attention away from educational priorities and creates inefficiencies in financial administration.
Solution
PayCode provides a comprehensive financial management solution designed specifically for educational institutions, centralizing all payment collection processes through its SAFE (Sistema de Administración Financiera para la Educación) ecosystem. The platform integrates with existing academic systems through unified APIs, enabling institutions to consolidate all charges—from enrollment fees to tuition, services, and event payments—into a single payment experience. PayCode automates collection workflows, supports all payment methods including cards, SPEI transfers, and point-of-sale terminals, and provides a centralized treasury module for real-time bank reconciliation. The solution leverages intelligent switches and AI engines—including six specialized AI agents for payment distribution, conversational collection, reconciliation monitoring, and treasury oversight—to optimize the payment experience while maintaining high-level data security and regulatory compliance.
Target Audience
Primary customers are educational institutions including schools, universities, and other academic organizations that need to streamline payment collection, automate financial workflows, and integrate payment processing with their existing academic management systems.
Features
- SAFE ecosystem framework that centralizes and consolidates all institutional charges into a single financial administration system
- Unified API integration that connects existing academic systems with one implementation
- Multi-channel payment support including payment links, cards, SPEI transfers, and point-of-sale (TPV) terminals
- Automated collection processes for tuition, domiciled payments, services, certificates, continuing education, and auxiliary services
- Dedicated portals for non-enrolled users including event registration and institutional marketplace functionality
- Centralized treasury module with real-time bank reconciliation using the canonical SAFE model
- Six AI agents: Conciliador Multi-Pagador for splitting payments, Cobrador Conversacional for WhatsApp collection, Centinela de Conciliación for failed post detection, Copiloto de Tesorería for treasury monitoring, AI PayCode Studio for analytics, and AI PayCode Orchestration Layer for acquirer routing
- Native processing for Visa, Mastercard, and American Express with optional monthly installment plans (MSI)
- Automated SPEI transfers with automatic reconciliation and in-person payment channels through BBVA Practicajas
- Multi-campus control with global operational visibility by campus and area
- PCI DSS Level 1 certification and CNBV-supervised payment aggregator status