Service · Digital payments
Take QR payments from your own system.
Your store, app or management system creates a QR code for every sale. The customer pays from any bank's app, the money goes straight to your account and your system finds out on its own, with no receipts to check.
Bs150.00
Expires in 30:00
This QR opens this page. Yours would open the bank's app.
Photo: Marielle Ursua on Unsplash
- Bank connection
- Certified
- Coverage
- Any bank
- Reconciliation
- Automatic
- The money
- Straight to your account
How it works
Three steps and no receipts over WhatsApp.
Your system asks for a charge
With the exact amount, a reference (the order, the invoice, the instalment) and an expiry. Within seconds it has the QR ready to show.
The customer scans and pays
From their own bank's app, whichever bank it is: Bolivia's QR is interoperable. Nothing to install, no account to create.
The bank confirms, your system knows
The platform checks with the bank, confirms the payment and notifies your system at once. The order is released, the instalment is marked paid, the receipt goes out by itself.
What it covers
We take care of the bank, the platform and making sure your system knows what happened to every charge. You keep selling.
- 01The connection with your bank: credentials, certification and tests in its environment, with you at every step.
- 02One QR per charge, with the exact amount, the reference and the expiry you set.
- 03Automatic payment confirmation and an immediate notice to your system, retried for 24 hours if your server does not answer.
- 04Daily reconciliation against the bank: every payment matched to its charge. Whatever does not match goes to review and is never marked paid on its own.
- 05A full history of every charge: who created it, when it was paid and what the bank answered.
- 06Test keys against a simulated bank, so your team can integrate without moving money.
- 07The integration inside your system, if we build it, or the documentation for your team.
Why us
A certified bank connection, ready for your business.
You do not start from scratch: your system connects to a payments platform certified by Banco Económico and in operation, with the rules a payment demands already solved.
Certified and in operation
The connection with the bank is certified and takes payments in production. Your integration rests on proven infrastructure, not on a new build.
Money never goes through third parties
Every payment goes straight to your company's account, under your own bank credentials. No aggregators, no intermediary fees.
Full control of every charge
A complete history per operation and daily reconciliation against the bank. No charge is marked paid without the bank's confirmation.
Support in front of the bank
We handle credentials, certification and go-live together with you, and we stay on after launch.
Rollout
A certified connection shortens the road.
With Banco Económico
The connection is already certified. Rollout depends on the credentials the bank issues for your company and on the integration into your system: it is measured in weeks, not months.
With another bank
We build the connector and manage the certification with that institution together with you. The bank sets the calendar; we put it in writing before we start.
Before charging your customers
Tests in a simulated environment, one real verification transaction, and only then the move to production.
Is it for you?
Situations we solve.
«You get paid by bank transfer and check screenshots of receipts by hand.»
A QR with the exact amount for every sale and automatic confirmation: nobody checks screenshots.
«Your app charges subscriptions or instalments every month.»
Every instalment gets its QR and, once paid, marks itself. The ones that expire unpaid stay clear.
«You have a management system and payments live outside it.»
Payment moves into the system: order, QR, payment and receipt in one flow.
«You collect from many people: a school, a club, a cooperative, an association.»
Each person pays their share from their phone and the treasury sees everything reconciled.
01Do my customers need a special app?
No. They pay from the bank app they already use. Bolivia's QR is interoperable: your bank generates it and any other bank reads it.
02Does the money go through Bemorex?
Never. Your company connects its own bank with its own credentials and every payment goes straight to your account. We provide the software.
03Do I need an account at Banco Económico?
Today it is the bank we hold a certified connection with, which makes it the fastest route. With another bank we build the connector and go through its process, on the timeline that bank sets.
04What if someone pays after the QR expired?
The payment still counts: the money arrived. The platform marks it paid, flagged as late, and notifies your system so you decide whether to deliver or refund.
05What if they pay a different amount?
It is never marked paid on its own. It goes to review, with the reason, and is resolved by hand. Your system gets the right notice once it is resolved.
06How do refunds work?
The interoperable QR has no automatic refund. If money has to go back, your company transfers it to the payer from its bank.
07Can I test without moving money?
Yes. Your team integrates with test keys against a simulated bank, and only at the end is one real test payment made.
08What if my server is down when the notice arrives?
The platform retries for 24 hours, and your system can always query the state of the charge. No payment gets lost.