iGaming Payment Solutions
ProntoPaga Review
Fees, licenses, coverage and payouts for iGaming operators
By the iGaming Payment Solutions Editorial Team ·
What operators ask about ProntoPaga
Is ProntoPaga legit?
Yes. ProntoPaga has been profitable since October 2023, and its Peruvian entity holds MINCETUR registration PSV0053 as a payment gateway to licensed betting operators.
- Holds PCI DSS v4.0 Level 1 certification
- Identity checks and AML screening run on Jumio
- Faces no regulator action
Who is behind ProntoPaga?
CEO Sebastián Salazar Bastidas founded ProntoPaga in 2021 with Evans Concha Soto. Salazar is the sole owner of Estelarbet, a top-five Chilean betting operator whose cashier carries ProntoPaga.
Does ProntoPaga work with online casinos and sportsbooks?
Yes. Gaming makes up 70% of ProntoPaga's transactions and 80% of its revenue.
- Serves casino and sports betting operators directly
Quick Info
- Type
- Local/Regional PSP
- Founded
- 2021
- HQ
- Santiago, Chile
- Pricing
- Percentage per transaction
- APMs
- Bank, cards, cashInstant bank transfers plus local cards and cash rails across six markets.
- Settlement
- Not publishedProntoPaga sets settlement terms in the commercial agreement.
Our iGaming Score: 5.3/10
5 weighted criteria, with Trustpilot shown for context
- iGaming Fit
Casino and betting served directly, no casino-platform connector, aggregated access in all 6 markets
- Weight
- 30%
- Score
- 6.0
- Rating
- Adequate
- Geographic Coverage
Latin America only, 6 countries, no direct acquiring
- Weight
- 22%
- Score
- 3.0
- Rating
- Weak
- Security & Compliance
MINCETUR registration in Peru, semi-automated KYC, merchant carries card chargebacks
- Weight
- 20%
- Score
- 5.0
- Rating
- Adequate
- Fees & Pricing
Pay-ins 1.5-3.5%
- Weight
- 16%
- Score
- 6.3
- Rating
- Adequate
- Tech & Integration
REST API with hosted page, embedded UI and plugins, sales-led onboarding
- Weight
- 12%
- Score
- 7.0
- Rating
- Strong
- User Trust
No Trustpilot profile
- Weight
- context only
- Score
- 5.0
- Rating
- Adequate
- Overall
- Weight
- 100%
- Score
- 5.3
- Rating
- Adequate
We score each provider on 5 weighted criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 30%, because it measures whether and how directly the provider serves gambling. Geographic Coverage gets 22%. Security & Compliance gets 20%. Fees & Pricing gets 16%. Tech & Integration gets 12%. The final score is a weighted average of those 5. Trustpilot is shown for context and carries no weight, since most reviews on a payment provider's profile come from players rather than from the operators it serves.
Score Explanation
Geographic Coverage is the lowest line at 3, because ProntoPaga covers one region, Latin America, across six countries, though Peru rates Solid for licensed casino and sportsbook operators. iGaming Fit is 6: ProntoPaga serves casino and betting operators directly, while every market runs through aggregated access and no casino platform connects to it. Security & Compliance stands at 4.5 on the MINCETUR registration, the one registration ProntoPaga holds in its own name, and on KYC run through Jumio, while card payments leave chargebacks with the merchant. Fees & Pricing comes to 6.3 on a 1.5-3.5% pay-in rate. Tech & Integration reaches 7 on a REST API with a hosted page, embedded UI and plugins, with onboarding run through the sales team. With no Trustpilot profile, User Trust stays at 5.
Who Is ProntoPaga Best For?
The operator profiles that fit, and the ones that do not
Recommended For
- Chilean bank-transfer deposit books. When most of your Chilean deposits arrive by bank transfer, ProntoPaga's home rail credits them instantly with no chargeback exposure, and it already runs in production in the Estelarbet cashier.
- MINCETUR-licensed operators in Peru. ProntoPaga's Peruvian entity is registered with MINCETUR as a payment gateway serving licensed betting operators. If you hold a MINCETUR license and your Peruvian players pay by bank transfer, one ProntoPaga contract covers pay-ins and payouts there.
- Operators launching in Argentina. You get a processor that entered Argentina for online-betting volume and settles in ARS, so its commercial incentives there line up with yours when you launch in that market.
Not Recommended For
- Crypto-first casinos. ProntoPaga takes no crypto deposits and settles no crypto. For crypto volume, CoinsPaid charges 0.8-1% per deposit and settles crypto to the operator instantly.
- Player bases outside Latin America. Six Latin American countries are ProntoPaga's whole footprint, so players in Europe, Asia or North America have no rail through it. Nuvei processes in 200 countries across Europe, North America, Latin America, Asia, MENA and Africa.
Geographic Coverage
Per-market verdict, regions, and market focus
Each market carries two verdicts, one for an offshore operator and one for a locally licensed one, because the same provider fits them differently. The overall score rates the company, and these verdicts rate its fit for your market.
Offshore operator
Curaçao / Anjouan license, serving gray and restricted markets.
Licensed operator
Holds the local license in a regulated market.
Market-by-market verdict
No market reaches Solid for an offshore operator, and the strongest cells below are Limited.
| Market | Casino | Sportsbook |
|---|---|---|
| AR Argentina | Limited69 | Limited69 |
| PE Peru | Limited66 | Limited66 |
| CL Chile | Limited48 | Limited48 |
| MX Mexico | Limited48 | Limited48 |
| EC Ecuador | Limited44 | Limited43 |
| BR Brazil | Limited49 | Limited49 |
The tier is the verdict. The small number orders providers inside a tier, and it is not a provider-level score. Full method on our methodology page.
Coverage Analysis
ProntoPaga processes in six Latin American markets, Chile, Peru, Ecuador, Brazil, Mexico and Argentina, and reaches all of them through aggregated access on partner rails. Chile is its home and deepest market, and Peru carries 33% of ProntoPaga's processed volume: US$650 million in 2025, with US$1.2 billion projected for 2026. ProntoPaga entered Argentina in March 2026 with US$2.5 million of initial investment aimed at online-betting transactions. Colombia and Paraguay are announced targets and are not live.
Regional Breakdown
Chile, where ProntoPaga helped popularize instant bank-transfer payments, carries its instant bank-transfer rail and local cards through aggregated access, with CLP settlement.
Peru runs bank-transfer pay-ins and payouts through aggregated access with PEN settlement, and it is the one market where ProntoPaga holds its own registration, which lets it serve MINCETUR-licensed betting operators.
Ecuador carries the same bank-transfer pay-in rail through aggregated access, while the Ecuadorian fintech application is pending.
In Argentina ProntoPaga has settled in ARS since its entry and targets $1 billion of Argentine processing by 2027, a figure it tied to 2026 World Cup demand. Pay-ins run as bank transfers through aggregated access, with no Argentine license behind them.
Mexico carries bank-transfer pay-ins through aggregated access with MXN settlement, while the CNBV fintech institution application is pending.
ProntoPaga reaches Brazil on Pix through aggregated access with BRL settlement, and its 2024 application to the BCB is pending. Brazil banned sports betting and online casino on September 25, 2026, and from that day every Brazilian payment rail, Pix and cards included, has been closed to betting transactions other than refunds to bettors and the wind-down of operators' books. Brazil is not a market an operator can use ProntoPaga for.
Gambling Licenses Served
- Regulated LATAM markets (Peru)
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
- Instant bank-transfer pay-ins (flagship)
- PayOuts API
- local cards via gateway
- Yol1 neobank (2025)
- fraud/KYC stack with Jumio
ProntoPaga sells operators one gateway for pay-ins and payouts. Instant bank-transfer pay-ins lead, local cards and cash rails run on the same gateway, and payouts go out through a separate PayOuts API. Yol1, a consumer neobank ProntoPaga launched in 2025 for Brazil, Peru and Chile, carries the group's remittance business and sits outside the operator offer.
Payment Methods
ProntoPaga runs 15+ methods in three families, instant bank transfers, local cards and cash rails, with bank transfers as the lead product. Yol1, the group's consumer neobank, gives operators no wallet to offer their players.
Verticals
Casino and sports betting are direct verticals for ProntoPaga, next to digital entertainment and e-commerce, while remittances run through Yol1. Gaming makes up 70% of its transactions and 80% of its revenue. The commitment to gambling goes past the revenue mix, because the CEO owns a Chilean betting operator, ProntoPaga entered Argentina for online betting and online gambling, and its capacity build targets the transaction peaks betting sees around major sporting events.
- iGaming
- Sports Betting
- Digital Entertainment
- E-commerce
- Remittances
- Deposit ProcessingAvailable
Instant (bank-transfer rail is the flagship)
- Withdrawal / PayoutAvailable
Same-day via PayOuts API
- Instant WithdrawalsNot available
Same-day via PayOuts API
- KYC / AML Built-inAvailable
Semi-auto
- Chargeback ProtectionNot available
Merchant on cards, none on push payment
- Multi-CurrencyAvailable
CLP, PEN, MXN, BRL, ARS, USD
- API IntegrationAvailable
REST API + hosted page + embedded UI + plugins
- Crypto SettlementNot available
Fiat settlement only
- Local Payment MethodsAvailable
Local methods in 6 markets
- iGaming SpecializationAvailable
Instant bank-transfer rail, 6 LatAm markets, $40M+/month processed (Apr 2024), PCI DSS 4.0 L1, Jumio KYC/AML, MINCETUR-registered
- Geographic CoverageAvailable
6 countries across LATAM
Pricing & Fee Structure
Fee structure and pricing model
Pricing
1.5‑3.5%ProntoPaga sets the pay-in rate by market.
CustomProntoPaga quotes payout fees merchant by merchant.
Not publishedProntoPaga sets settlement terms in the commercial agreement.
Bank, cards, cashInstant bank transfers plus local cards and cash rails across six markets.
No reserve
Not published
Not published
No
Pricing Details
ProntoPaga charges 1.5-3.5% per pay-in, with the rate set by market, and takes no rolling reserve. Payout fees, setup terms and any volume commitment are quoted merchant by merchant. At $1M a month in pay-ins, the rate range comes to $15,000-35,000 in fees. Nuvei charges the same 1.5-3.5% and holds 5-10% for 6 months, while PayRetailers charges 1.5-3% and holds 6-10% for 4 months, so ProntoPaga's price comes with none of the capital either rival locks up.
Negotiation Tips
Ask for a rate per market and per rail, because the pay-in rate moves by market. Price Chilean instant transfers first, then Argentina, where ProntoPaga's $1 billion target for 2027 makes your Argentine volume a lever. Put the payout fee and the settlement window in the contract, and ask whether settlement runs prefunded or netted. PayRetailers settles T+1 to T+3, so ask for a window of T+3 or shorter. Take the license map in writing too, with the status of the Mexico and Ecuador applications.
Speed & Settlement
Transaction processing and settlement timelines
- Deposit
- Instant (bank‑transfer rail is the flagship)
- Withdrawal
- Same‑day via PayOuts API
- Settlement
- Not publishedProntoPaga sets settlement terms in the commercial agreement.
- Settlement currencies
- CLP, PEN, MXN, BRL, ARS, USD
- Refunds
- Not published
Bank-transfer pay-ins credit instantly, and ProntoPaga releases payouts to players same-day through its PayOuts API. Monnet pays out same-day to T+1 depending on market, so in the markets where Monnet takes until T+1 a ProntoPaga player is paid a day sooner. Settlement to the operator follows the window each contract sets. The platform handles 1.2 million transactions an hour, and before the 2026 World Cup ProntoPaga set a target of 20,000 transactions per second to carry betting's event-driven peaks.
Integration & Tech
Developer experience and technical capabilities
- API Type
- REST API + hosted page + embedded UI + pluginsPayouts run through a separate API from the pay-in endpoints.
- Onboarding
- Not publishedProntoPaga onboards through its sales team and publishes the API-key setup in its public docs.
- Sandbox
- YesProntoPaga runs a demo environment at experience.prontopaga.com.
- Mobile SDK
- No
- White-Label
- No
- Docs Quality
- Good
Integration Time
1-3 weeks (REST API, demo environment)
Integration Assessment
Integration takes 1-3 weeks on a REST API. The public docs at docs.prontopaga.com cover API-key setup, PayIns and PayOuts references, guides, an FAQ, a glossary, the admin dashboard for transaction monitoring and a downloadable manual, and a demo environment runs at experience.prontopaga.com. Onboarding runs through the sales team. ProntoPaga connects to no casino platform, so an operator on a casino platform integrates the REST API or the hosted payment page with its own developers.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
Operator Licenses Served
- Regulated LATAM markets (Peru)
- KYC/AML Automation
- Available. Semi-autoIdentity verification and AML controls run on Jumio under a partnership announced in February 2025.
- Chargeback Protection
- Not available. Merchant on cards, none on push paymentInstant bank transfers, ProntoPaga's flagship pay-in rail, have no chargeback mechanism, and neither does any other non-card method. Card payments carry the usual merchant liability for chargebacks.
Licenses and Registrations
- MINCETURLinked-service provider registrationPRONTOPAGA PROCESADORA DE PAGOS S.A.C.PSV0053since Feb 20, 2024
Registration covers the pasarela de pagos (payment gateway) category in Peru's register of providers to licensed betting operators.
- PCI SSCPCI DSS v4.0 Level 1
- CNBVIFPE (fintech institution)pending
The application dates from 2024 and no license has been granted since.
- Ecuador fintech authorityFintech licencepending
The application dates from 2024 and no license has been granted since.
- BCBFintech licencepending
The application dates from 2024 and no license has been granted since.
- BCRAPayment service provider registrationPRONTOPAGA S.A.34637
Registration covers the Aceptador (payment acceptor) and Agregador (payment aggregator) categories of Argentina's register of payment service providers.
- Fraud Prevention
- Jumio identity verification and AML monitoring, plus risk-team services and security tooling for operators
- Responsible Gaming
- No
- Tokenization
- Yes
- Dispute Resolution
- Not published
Compliance Context
ProntoPaga is certified to PCI DSS v4.0 Level 1 and runs identity verification and AML screening on Jumio under a partnership from February 2025, with KYC semi-automated. It also sells operators fraud prevention and risk-team services, with console access and real-time reconciliation. Instant bank transfers and the other non-card methods carry no chargebacks, while card payments leave the usual chargeback liability with the merchant.
Regulatory Position
ProntoPaga's only registration in its own name sits in Peru, and the company holds no payment or fintech license anywhere. Its Peruvian entity, PRONTOPAGA PROCESADORA DE PAGOS S.A.C., has been registered with MINCETUR since February 20, 2024 as PSV0053 in the pasarela de pagos (payment gateway) class, which lets it serve betting operators licensed by MINCETUR. In Chile, its home market, ProntoPaga holds no CMF registration. In 2024 it applied for a CNBV fintech institution license in Mexico, a fintech license in Ecuador and a license from the BCB in Brazil, and none has been granted. Outside Peru the gateway runs on partner acquirer and bank rails.
About ProntoPaga: Company Background
Company and product information
- Company Name
- ProntoPaga
- Headquarters
- Santiago, Chile / Buenos Aires, Argentina (PRONTOPAGA S.A.)
- Founded
- 2021
- Employees
- Not published
- Company Type
- Private
- Product Type
- Local/Regional PSP
- Licenses
- MINCETUR Linked-service provider registration, BCRA Payment service provider registration
- Key Products
- Instant bank-transfer pay-ins (flagship), PayOuts API, local cards via gateway, Yol1 neobank (2025), fraud/KYC stack with Jumio
- Website
- prontopaga.com
- Supported Verticals
- iGaming, Sports Betting, Digital Entertainment, E-commerce, Remittances
- Integration Type
- REST API + hosted page + embedded UI + plugins
- Settlement Speed
- Not published
- Onboarding Speed
- Not published
- iGaming Clients
- Estelarbet
Company History
2021: Sebastián Salazar Bastidas, who worked in slot machines and betting before fintech, founded ProntoPaga in Santiago with Evans Concha Soto.
October 2023: ProntoPaga turned profitable, and it has grown since without an outside funding round.
2024: PRONTOPAGA PROCESADORA DE PAGOS S.A.C. joined MINCETUR's register of linked-service providers, in the payment gateway class, on February 20. By April the company processed more than $40 million a month in five countries, and during the year it applied for fintech licenses in Mexico, Ecuador and Brazil.
2025: ProntoPaga partnered with Jumio in February for identity verification and AML screening, and launched the Yol1 consumer neobank.
2026: ProntoPaga entered Argentina in March with US$2.5 million of initial investment and added ARS settlement. It projects $4 billion of regional payment volume for 2026 and targets $10 billion for 2027.
What Users Say About ProntoPaga
Trustpilot and clients
Trustpilot Presence
ProntoPaga has no Trustpilot profile, which fits a B2B gateway whose brand sits inside operator cashiers. Across two million end users it has drawn no wave of player complaints, no withheld-funds or fraud allegation and no regulator action.
iGaming Clients
Estelarbet
Estelarbet, one of Chile's five largest online betting operators, runs ProntoPaga as a deposit method in its cashier, and CEO Sebastián Salazar Bastidas is Estelarbet's sole owner. That makes ProntoPaga's one operator reference a related party. The business behind it is wider: ProntoPaga serves two million end users, so its client base runs well beyond one Chilean casino.
Operational Details
Business terms, contracts, and support
- Dedicated Account Manager
- Dedicated account manager
- Minimum Monthly Volume
- Not publishedProntoPaga sets any volume commitment merchant by merchant.
- Contract Lock-In
- Not published
- Migration Support
- Yes
- Min/Max Transaction
- Not published
- Mass Payouts
- Single
- Biometric / One-Click
- No
- Reporting
- Not published
On $1M a month in pay-ins, no rolling reserve holds back any of the volume, so the settlement window alone decides how much cash sits with the gateway: on a 30-day month that volume runs at $33,333 a day, and every day of settlement the contract sets keeps $33,333 in transit. Payouts to players run one transaction at a time through ProntoPaga's own API.
Frequently Asked Questions
8 questions about ProntoPaga
Pay-ins cost 1.5-3.5%, and the market decides where in that range a rate falls. No rolling reserve applies, and ProntoPaga prices payout fees and setup terms for each merchant.
Players get payouts the same day through the PayOuts API, and bank-transfer deposits credit instantly. Operators receive settlement on the window their contract sets.
Integration takes 1-3 weeks on the REST API, and developers can test against the demo environment at experience.prontopaga.com. With no casino-platform connector, operators on a casino platform integrate directly.
ProntoPaga covers six countries: Chile, Peru, Brazil, Mexico, Ecuador and Argentina, all through aggregated access. It serves no market outside Latin America.
No. ProntoPaga applied to the BCB in 2024, holds no Brazilian authorization and takes Pix through aggregated access. Brazil has closed every payment rail to betting, so no Brazilian license opens the country to a betting operator.
No. ProntoPaga handles fiat only, for deposits and settlement alike. CoinsPaid covers crypto volume at 0.8-1% per deposit.
Both hold MINCETUR registrations, Monnet since February 13, 2024 and ProntoPaga since February 20, 2024. Monnet charges 3.99% in Peru plus USD 1.50 on each bank transfer, cash or wallet payment, and counts Betcris and Rojabet, both unrelated betting operators, among its clients. ProntoPaga prices pay-ins at 1.5-3.5%, and its one operator reference is its CEO's Estelarbet. ProntoPaga fits Peruvian bank-transfer books that put price first, and Monnet fits operators that must call unrelated clients before signing.
PayRetailers covers 22 countries with direct acquiring in six Latin American markets and holds a MINCETUR registration, at 1.5-3% with a $150k minimum, a 6-month lock-in and 6-10% held for 4 months. ProntoPaga covers six markets through aggregated access at 1.5-3.5% with no reserve. PayRetailers fits operators that need 22-country reach and direct acquiring, and ProntoPaga fits Chilean and Peruvian bank-transfer books that want no capital held back.
Our Verdict: Should You Use ProntoPaga?
Final assessment for iGaming operators
Overall iGaming Score
Summary
ProntoPaga fits bank-transfer deposit books in Chile, its home market, and in Peru, where it serves MINCETUR-licensed betting operators. In exchange, the operator signs with a gateway that has no payment or fintech license behind it anywhere, and the settlement window is set contract by contract. A compliance framework that demands a licensed local gateway in Mexico takes that market to another provider.
Strongest Point
Peru carried US$650 million of ProntoPaga's volume in 2025, 33% of the total, and ProntoPaga holds a MINCETUR registration there as a gateway to licensed betting operators.
Key Limitation
Estelarbet, ProntoPaga's one operator reference, belongs to CEO Sebastián Salazar Bastidas, while Monnet serves third-party betting clients Betcris and Rojabet.
Recommendation
Sign with ProntoPaga if bank transfers carry most of your deposits in Chile or Peru, and write the settlement window and the payout fee into the contract before go-live. Ask for third-party operators you can call and for the share of ProntoPaga's volume that Estelarbet brings.
Pros
- Takes no rolling reserve, while PayRetailers holds 6-10% of volume for 4 months, so none of the operator's deposits sit locked as collateral.
- Bank-transfer deposits carry no chargebacks, which confines disputes to the card share of the book.
- Profitable since October 2023 without an outside funding round, so the gateway runs on its own earnings.
- Public docs and a demo environment let an operator's developers scope the build before signing, and integration takes 1-3 weeks.
Cons
- The CEO owns Estelarbet, the sole operator reference, so procurement has no arm's-length client to call.
- Works without a payment or fintech license in every market: Chile's CMF has not registered it, and the Mexico, Ecuador and Brazil applications filed in 2024 are pending.
- Latin America is the whole footprint, so a book with players in Europe or Asia needs a second provider such as Nuvei, which processes in 200 countries.
- Takes no crypto, so a crypto casino needs a second processor for coin deposits.
- The settlement window differs contract by contract, which ties the operator's cash timing to the terms it negotiates.
- No casino platform connects to ProntoPaga, which leaves every integration to the operator's developers, on the API or the hosted page.
- Operating only since 2021, ProntoPaga has not been through a full market cycle.
Ready to evaluate ProntoPaga for your business?
ProntoPaga vs. Alternatives: How It Compares
Similar payment processing solutions
Operators with players outside Latin America belong with Nuvei, which covers 200 countries, and crypto casinos with CoinsPaid, which charges 0.8-1% on crypto deposits. Inside the region, operators that want one contract across more than ProntoPaga's six markets look to D24 with 30 countries or PayRetailers with 22. An operator at scale needs a global card acquirer beside ProntoPaga.
When to Choose an Alternative
- Monnet
Choose Monnet if you need unrelated betting clients to call before signing, since Betcris and Rojabet are Monnet clients. Monnet also runs local rails in 10 Latin American markets, Colombia among them, where ProntoPaga is not live.
- PayRetailers
Choose PayRetailers if you want coverage in 22 countries and its own acquiring in six Latin American markets. In return you accept a $150k minimum, a 6-month lock-in and 6-10% held for 4 months, with settlement on T+1 to T+3.
- D24
Choose D24 if breadth matters more than Chilean depth: 30 countries, local rails in 18 Latin American markets and payouts to bank accounts in under 2 hours, 7 days a week, against ProntoPaga's same-day payouts.
Nuvei
CoinsPaid- iGaming score 4.8 out of 10
Monnet
Local/Regional PSP- Deposit Fee
- 3.99% in Peru
- Settlement
- Not published
- Methods
- Cards, bank, cash
- iGaming score 5.9 out of 10
PayRetailers
Local LATAM PSP- Deposit Fee
- 1.5‑3%
- Settlement
- T+1 - T+3
- Methods
- 300+
- Trustpilot
- 2/5
- iGaming score 6.3 out of 10
D24
Local/Regional PSP- Deposit Fee
- Not published
- Settlement
- Not published
- Methods
- 300+
Related Reading
Operator guides and analysis relevant to evaluating ProntoPaga.
End of Report. ProntoPaga Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team ·