Knowledge Base

Aloha Pay is a cross-border payments platform built so businesses in Latin America —hotels, travel agencies, tour operators, car rental companies and any company with international clients— can get paid using local payment methods like PIX, PSE, Nequi, Transbank, Yape, and more. The customer pays in their local currency and you receive in yours or in USD, with minimal fees, no friction, no chargebacks and fast settlement.

Mainly the tourism and hospitality industry: hotels, hostels, vacation rentals, travel agencies, tour operators, car rental companies and any business that receives payments from international clients. That said, any company or person who needs to collect cross-border payments in Latin America can benefit from the platform.

We have clients in the main countries of the Americas: Chile, Argentina, USA, Brazil, Colombia, Mexico, Peru, Panama, Dominican Republic, Costa Rica, Paraguay, and others.

Aloha Pay supports collecting payments from the following countries and currencies:

The businesses receiving payments can be in any country in the Americas.

Aloha Pay currently sends funds automatically and manually to the following countries:

International credit cards have several problems:

High fees (3-5%+ per transaction)

Risk of chargebacks and disputes

Friction for the customer (many tourists from Brazil or Colombia don't have an international card)

Long settlement times (up to 30 days).

Aloha Pay solves all of this using:

Direct bank transfers and instant payments, which eliminate chargebacks, reduce costs and speed settlement to 24 hours or less.

Yes. Aloha Pay has native apps for both platforms:

Android: https://play.google.com/store/apps/details?id=co.alohapay.alohapaymobile

iOS: https://apps.apple.com/gt/app/aloha-pay/id6756675174

From the app you can generate payment links, monitor transactions, verify payments, manage withdrawals to your bank account and manage your wallet.

No. Aloha Pay can be used completely independently. Any business can sign up at alohapay.co and start collecting. However, if you already use Aloha Pro, the integration is native and you can automate the whole charge → confirmation → report flow without leaving the platform.

You can sign up directly at app.alohapay.co or download the app. The process includes: creating your account with an email, completing identity verification (KYC/KYB depending on the account type), setting up your bank account for withdrawals, and that's it. You can start generating payment links the same day.

Link: https://app.alohapay.co/admin

Initial registration takes less than 5 minutes. KYC/KYB verification can take from a few hours to 1-2 business days depending on the documentation provided. Once verified, you can operate immediately.

No. Aloha Pay currently works with one wallet in your local currency per account created. If you need to operate in more than one country or currency (for example USD and ARS), you must create separate Aloha Pay accounts: one with your U.S. bank account (USD) and another with your Argentine account (ARS). Each account operates independently with its own wallet.

Yes. The platform supports Spanish, English and Portuguese. The payment experience the end customer sees adapts to the language of the selected payment method.

You can find educational content at:

Developer documentation: https://developers.alohapay.co

Main site: https://alohapay.co

Login site: https://app.alohapay.co

Instagram: https://www.instagram.com/alohapay.co/

Calculator: https://alohapay.co/calculadora

YouTube channel: https://www.youtube.com/@try_aloha

The vision is to be the #1 payments infrastructure for tourism and cross-border commerce in Latin America. The roadmap includes: expansion to more countries, international card payments, advanced recurring payments, a complete public API, wallet-to-wallet transfers, multi-wallet per account, and more local payment methods.

It's the web control panel where you manage your entire payments operation: create links, view transactions in real time, manage your wallet and withdrawals, configure your profile and bank accounts, access financial reports, bulk upload, auto-pay and more. You can also access it from pay.aloha.co.

When you generate a payment link for a Brazilian customer, the customer sees a PIX QR code or a PIX key. They scan it with their banking app, confirm the payment and in seconds the money is in your Aloha Pay wallet. PIX is free for the payer, works 24/7, 365 days a year, and confirmation is instant. It's the most popular payment method in Brazil, with over 150 million users.

PSE (Pagos Seguros en Línea) is Colombia's bank-debit system. The customer selects their bank, is redirected to their bank's platform to authorize the payment, and the money is transferred directly. It's the most-used online payment method in Colombia. Confirmation can take from seconds to a couple of minutes depending on the bank.

Nequi is one of Colombia's most popular digital wallets (owned by Bancolombia). When the customer selects Nequi, they receive a push notification in their app to approve the payment. Once approved, confirmation is instant. It's very popular among younger users and doesn't require a traditional bank account.

Transbank is the dominant payment processor in Chile. Through Webpay, the customer can pay with a local Chilean debit or credit card. The flow is similar to an online checkout: the customer enters their card details and confirms. It's the standard for electronic payments in Chile.

Fintoc is an open-banking platform in Chile that enables direct bank transfers. The customer authorizes the payment from their bank account without entering card details. It's faster and has lower fees than cards. The experience is smooth and confirmation is fast.

Argentina uses an interoperable QR payment system. The customer scans a QR code with their banking app or wallet (Mercado Pago, digital wallets, etc.) and confirms the payment. It's a fast, contactless method that's widely adopted in the country.

CLABE is Mexico's standardized bank code. The customer makes a SPEI (Interbank Electronic Payment System) transfer using the CLABE number Aloha Pay provides. SPEI transfers are free for the payer and settlement is almost immediate during banking hours.

It's important to understand and explain that the amount received must exactly match the one stated in the link; if more than 2 minutes pass, that amount may change, and if it isn't identical down to the decimal, the charge will be rejected and returned to the customer.

No. The customer (payer) doesn't need to register or download anything. They simply receive a payment link, select their preferred payment method, and complete the transaction using their usual banking app or wallet. The experience is zero friction for the payer.

The customer always pays in their local currency: BRL (Brazilian reais), COP (Colombian pesos), CLP (Chilean pesos), ARS (Argentine pesos), MXN (Mexican pesos). Aloha Pay does the conversion automatically and you receive in your local currency according to your configured account.

Pay in

Country

Minimum

Maximum

Chile

Brazil

Argentina

Pay in

Country

Minimum

Maximum

Chile

Payouts to recipients

Country

Minimum

Maximum

If the customer opens the link but doesn't complete the payment, the transaction stays in 'pending' status. You can see the status in your dashboard or app. You can resend the payment link or generate a new one. No charge or fee is generated for incomplete payments. You only pay when the money actually arrives.

You receive a real-time notification (push, email or webhook depending on your configuration) when the payment is confirmed. You can also see the updated status in your dashboard (app.alohapay.co) or in the mobile app. Successful payments appear as 'Completed' with all the details: amount, method, date, reference.

Currently, collections are made in the payer's local currency. Direct USD collection is on the roadmap and will be launched soon. This will allow clients with USD accounts to pay directly in dollars.

Aloha Pay is focused on local payment methods and direct transfers, which are cheaper and eliminate chargebacks. Support for international cards as a complementary (fallback) payment method is on the roadmap. The strategy is to offer local methods as the first option (lower cost, higher conversion) with cards as a backup.

Local payment methods have significantly higher conversion rates than international cards. PIX in Brazil can reach conversion rates of 85-95% vs. 50-60% for international cards. This is because customers use their usual method, with no exchange-rate friction and no rejections from the issuing bank.

If the payer's bank rejects the transaction, the customer receives an error message and can retry. No fee is generated. The most common reasons for rejection are: insufficient balance, daily limit exceeded, or temporary bank issues. The payment link stays active for retry.

Aloha Pay currently focuses on payment methods from Brazil, Colombia, Chile, Argentina and Mexico. For customers in the U.S., Europe or other regions, the international card option will be available soon. If you need to collect from customers outside LATAM today, you can use other complementary methods while this functionality is enabled.

Yape is Peru's most popular digital wallet, with over 15 million users. When it launches in Aloha Pay, the customer will be able to pay by scanning a QR or via the Yape app, with instant confirmation. It's the Peruvian equivalent of PIX in terms of mass adoption.

Yes. PIX operates 24/7, 365 days a year, with confirmation in seconds (typically under 10 seconds). It's regulated by the Central Bank of Brazil and is one of the most advanced instant-payment systems in the world. There are no banking wait times or cut-off hours.

From your dashboard (app.alohapay.co) or the mobile app, you go to the wallet section, select the amount you want to withdraw and confirm the withdrawal to your registered bank account. The process is simple and you can do it anytime.

There are two options:

Times may vary slightly depending on the receiving bank and the country.

It's your digital balance within Aloha Pay where the payments you receive are credited. The wallet is in your local currency (according to the bank account you registered). From the wallet you can make withdrawals to your bank account whenever you want. Remember: each Aloha Pay account has a single wallet in one currency.

Yes, if you have a bank account in the U.S. You must create an Aloha Pay account linked to that USD bank account. Aloha Pay automatically converts the customer's payment (which they make in their local currency) and credits it to your wallet in USD. Then you withdraw to your dollar account.

You must create separate Aloha Pay accounts for each currency/country where you operate. For example, if you have a hotel in Mexico and another in Argentina, you need one account with your Mexican bank (MXN) and another with your Argentine bank (ARS). Each account operates independently with its own wallet. Multi-wallet in a single account is on the roadmap.

Aloha Pay uses competitive market exchange rates at the time of the transaction. The rate is locked at the moment of payment so there are no surprises. You can see the rate applied on each transaction from your dashboard. The calculator at alohapay.co/calculadora lets you simulate conversions in real time.

The minimum amount to send to third parties is 50 USD. It's always important to note that the higher the amount sent, the better the exchange rate the client will get.

For now, withdrawals can't be scheduled. When a withdrawal is made, it takes between 1 and 2 hours to reach the recipient's bank.

You can withdraw to any bank account in your country of operation. Aloha Pay works with the local banking network of each country, so virtually any bank is supported. You just need to register your bank account during onboarding or in the settings section.

Payments are received and credited to your Aloha Pay wallet 24/7, regardless of the time. Methods like PIX work around the clock, 365 days a year. The withdrawal to your bank account may be subject to local banking hours for crediting, but settlement starts immediately.

If a withdrawal is rejected by the receiving bank (incorrect account, closed account, etc.), the amount is returned to your Aloha Pay wallet at no additional cost. You receive a notification of the reason for rejection so you can correct the details and retry.

No. Aloha Pay is not a bank or a financial institution. It's a payment processing platform. Your wallet is a transitional balance where collections are credited until you withdraw them to your bank account. It doesn't issue cards, offer credit, or generate interest on the balance.

Yes. You can withdraw any amount from your wallet (respecting the current minimum withdrawal). You don't need to withdraw the full balance. This lets you manage your cash flow according to your needs.

Time from when the customer pays until the money is in your wallet and then in your bank account:

Brazil · PIX — Wallet: instant (seconds) · Standard withdrawal: ≤24 h · Express: ~30 min (+1%)

Colombia · PSE — Wallet: minutes · Standard: ≤24 h · Express: ~30 min (+1%)

Colombia · Nequi — Wallet: instant · Standard: ≤24 h · Express: ~30 min (+1%)

Chile · Fintoc — Wallet: minutes · Standard: ≤24 h · Express: ~30 min (+1%)

Chile · Webpay — Wallet: minutes · Standard: ≤24 h · Express: ~30 min (+1%)

Argentina · QR — Wallet: minutes · Standard: ≤24 h · Express: ~30 min (+1%)

Mexico · CLABE/SPEI — Wallet: minutes · Standard: ≤24 h · Express: ~30 min (+1%)

Aloha Pay operates on a per-successful-transaction fee model. You only pay when you receive a payment. There are no setup costs, monthly fees, or charges for failed payments. The fee varies based on the payment method, the country of origin and your transaction volume. Use the calculator at alohapay.co/calculadora to simulate your costs or contact the sales team for a personalized quote.

Yes. Standard settlement (24 hours) has a 0% additional fee. If you need express settlement (~30 minutes), an additional 1% fee applies to the withdrawal amount. This option is ideal when you need immediate availability of funds.

No. Aloha Pay is committed to total transparency. There are no hidden currency-conversion charges, maintenance costs, or undisclosed extra fees. The exchange rate applied is the market rate and is visible on each transaction. You can simulate it at alohapay.co/calculadora.

No. A fee is only charged for successfully completed transactions. If the payment fails, is rejected by the bank, or the customer doesn't complete the process, no charge is generated.

No. Opening an account, onboarding and initial setup are free. There are no integration or technical setup costs. You only start paying when you start receiving payments.

Aloha Pay's base model has no monthly fee. You operate under a 100% transactional model. For enterprise accounts or those with special needs (guaranteed SLA, dedicated support, etc.), there may be plans with a monthly fee that include additional benefits. Check with the sales team.

Yes. Each payment method has a different cost structure because the underlying payment rails are different. For example, PIX (Brazil) may have a different fee than PSE (Colombia) or Webpay (Chile). Use the calculator to see the detail by method.

Yes. Aloha Pay offers preferential rates for businesses with high transaction volumes. The higher the monthly volume, the lower the percentage fee per transaction. This is negotiated directly with the sales team.

By default, the business (you) absorbs the fee. The customer pays exactly the amount you indicate in the payment link. However, you can configure the fee to be passed on to the customer if your business model requires it, by adding it to the link amount.

Standard withdrawals (24 hours) have no additional cost (0%). Only the additional 1% is charged if you opt for express settlement (~30 minutes).

The exchange-rate spread is included in the transaction and is competitive against the market. Aloha Pay shows the applied exchange rate transparently on each transaction. No separate additional fee is charged for conversion.

From your dashboard at app.alohapay.co you can access financial reports that break down each transaction with: gross amount collected, Aloha Pay fee, exchange rate applied and net amount credited to your wallet. You can also export these reports in CSV or Excel format.

Aloha Pay is optimized for the cross-border tourism use case with local methods. Generalist processors like Stripe charge 2.9%+ per card, and cross-border players like dLocal and EBANX are geared toward large global companies with similar fees. Aloha Pay offers competitive rates specifically for local bank transfers (no chargebacks) and with native integration into the Aloha Pro tourism ecosystem.

Yes. Use the public calculator at alohapay.co/calculadora. Enter the payment's country of origin, the amount and the method, and the tool shows you the exchange rate, the fee and the net amount you would receive in your wallet. It's the best tool for demos and for helping the customer understand the value.

It's a unique URL you generate from Aloha Pay and share with your customer so they can make a payment. When the customer opens the link, they see the payment methods available for their country, select the one they prefer and complete the payment. They don't need to create an account, download apps, or enter card details (unless that's the chosen method).

You can create a payment link from:

1) The web dashboard (app.alohapay.co): go to 'Create Payment', enter the amount, currency, a description and optionally the customer's details.

2) The mobile app: same process, optimized for phones.

3) Via API: if you're integrated, you can generate links programmatically.

The link is generated instantly and ready to share.

You can create the link in whatever currency you want (USD, your local currency, etc.). When the customer opens it, they automatically see the equivalent in their local currency at the current exchange rate. This simplifies your operation: you set the price in your currency and the customer pays in theirs.

You can send the link through any channel: WhatsApp (the most common in LATAM), email, SMS, or social media DM. You simply copy the link and paste it into the communication channel you prefer. Some flows include automated sending via WhatsApp or email directly from the platform.

Yes. When creating the link you can add: customer name, email, booking number or internal reference, service description and additional notes. This makes reconciliation easier and improves the customer experience by showing their information on the payment page.

Yes. You can set an expiration date for each link. If the customer doesn't pay before that date, the link is automatically deactivated. You can also create links with no expiration for open payments. If a link expires, you can easily generate a new one.

Yes. You can create links for any amount, whether the full total or a partial payment. This is very common in tourism, where a percentage is charged as a deposit and the remaining balance at check-in or when the service ends.

Each payment link is unique and is deactivated once the payment completes successfully. If you need to charge another customer or for a different purpose, you generate a new link. If the payment wasn't completed, the link stays active and you can resend it.

Yes. From your dashboard you can cancel any pending payment link. Once cancelled, if the customer tries to open it they'll see a message that the link is no longer valid. No fee is generated for cancelled links.

The customer sees a secure, mobile-optimized payment page with: your business logo (if you set it up), the payment description, the amount in their local currency, and the payment methods available for their country. The experience is clean, fast and frictionless.

Yes. You can personalize the payment experience with your business's logo and name so your customers see a consistent brand experience. This is configured from the profile/branding section in your dashboard.

Yes. Aloha Pay allows bulk creation of payment links through the bulk-upload feature. You upload a CSV/Excel file with the data and the system generates all the links automatically. See the Bulk Operations section for more details.

It's not possible. Once the link completes successfully, it's automatically deactivated. If the customer tries to pay again, they'll see a message indicating the payment was already processed. This prevents duplicate charges.

Yes. You can create multiple payment links for the same customer, each for the corresponding installment amount. You can also use Auto-Pay to automate sending the links on the agreed dates.

Yes. The payment page is responsive and optimized to work perfectly on smartphones, tablets and desktops. Since most payments in LATAM are made from a phone, the mobile experience is the priority.

Auto-Pay lets you automate charging your customers on predefined dates or events. Instead of manually generating and sending a payment link each time, you configure the rules and Aloha Pay generates and sends the link to the customer automatically. Ideal for periodic payments, installments, or charges tied to events (such as a booking confirmation).

No. Aloha Pay doesn't automatically debit the customer's account. Auto-Pay automatically generates and sends a payment link that the customer must approve and complete. This respects each country's payment regulations and ensures the customer always authorizes every transaction.

Yes. You can configure Auto-Pay to send monthly payment links for the amount of each installment. For example, if you sell a travel package in 3 installments, you set up 3 monthly Auto-Pays and the system handles the rest. You get a notification when each installment is paid.

Yes. The link generated by Auto-Pay shows the customer all the payment methods available for their country, just like a normal payment link. The customer chooses how to pay each time they receive the link.

Yes. If you use Aloha Pro, you can tie Auto-Pay directly to booking events: automatically send the link at the moment of confirmation, X days before check-in, or at checkout to collect the remaining balance. All without manual intervention.

It's the feature that lets you create multiple payment links, register multiple customers, or run multiple operations at once by uploading a CSV or Excel file. Instead of creating links one by one, you upload a file with all the data and the system processes everything automatically.

Yes. When uploading the file, you can choose to have the links sent automatically to the email or WhatsApp of the customer specified in each row. This saves hours of manual work in operations with many customers.

From your dashboard you can see the status of the whole upload: how many links were generated, how many have already been paid, how many are pending, and how many have expired. You can filter and export these reports. You also receive individual notifications for each completed payment.

You can access it from app.alohapay.co (or pay.aloha.co) with your email and password. You can also use the mobile app available on Google Play and the App Store.

The dashboard lets you: view your wallet balance, create and send payment links, monitor all your transactions in real time, manage withdrawals to your bank account, view reports and statistics on collections, configure your profile and bank details, access bulk upload and auto-pay, and export financial reports.

Detailed reports on: transactions (filtered by date, method, status, customer), collections and settlements, itemized fees, exchange rate applied, wallet balance and withdrawal activity. All reports are exportable in CSV/Excel for integration with your accounting.

Yes. Your entire transaction history is available in your dashboard with no time limit. You can search by date, amount, customer name, reference, payment method or status. This makes bank reconciliation and customer tracking easier.

The mobile app is designed for the most frequent operations: creating payment links, viewing balance, monitoring transactions, managing withdrawals and receiving push notifications. Some advanced features like bulk upload or advanced configuration are optimized for the web dashboard.

Yes. You can configure notifications via push (app), email and/or webhook for each completed payment. Notifications include all the transaction details: amount, method, customer name and reference.

Yes. All reports are exportable in CSV and Excel format. They include the full detail of each transaction: date, gross amount, fee, exchange rate, net amount, payment method, customer details and reference. Ideal for your accountant or ERP system.

Yes. Aloha Pay offers an API documented at developers.alohapay.co. With the API you can: generate payment links programmatically, receive payment-confirmation webhooks, query transaction status, and automate complete collection flows.

The full documentation is at https://developers.alohapay.co/. There you'll find endpoints, authentication, code examples, webhooks, payment statuses and integration guides.

If you use Aloha Pro (Aloha.co's CRM and channel manager), the integration with Aloha Pay is native and automatic. You can: generate charges directly from a booking, automate sending links at the moment of confirmation, reconcile payments with bookings automatically, and see the whole flow (booking + payment) in one place.

Yes. Through the Aloha Pay API you can integrate payment flows with any PMS (Property Management System), booking engine, or management system. The most direct integration is with Aloha Pro, but the API is open to connect with any system.

Yes. One of the main API endpoints lets you generate payment links programmatically, specifying amount, currency, description, customer details and callback URL. See developers.alohapay.co for the endpoint details.

Yes. Aloha Pay webhooks let you receive real-time notifications on your server when a payment is completed, fails or expires. This is essential for automating booking confirmations, sending vouchers, updating statuses in your PMS, etc.

Yes. Aloha Pay uses bank-grade encryption (TLS 1.2+); all sensitive data is encrypted at rest and in transit. The platform complies with financial-industry security standards and works only with regulated payment providers in each country.

No. This is one of Aloha Pay's biggest advantages. By using payment methods based on direct bank transfers (PIX, PSE, SPEI, etc.), payments are irrevocable once confirmed. There are no chargebacks like with credit cards. This eliminates a huge pain point for tourism businesses.

Because the payment methods it uses (PIX, PSE, Nequi, SPEI, QR, Fintoc) are direct, irrevocable bank transfers. Unlike credit cards, where the holder can dispute a charge up to 120 days later, bank transfers are final once confirmed by the issuing bank.

Aloha Pay implements multiple layers of protection: KYC/KYB verification at onboarding, real-time transaction monitoring, suspicious-pattern detection algorithms, default transaction limits, and compliance with each country's anti-money-laundering (AML) regulations.

Yes. Aloha Pay operates in compliance with the financial regulations of each country where it processes payments. It works with regulated and licensed payment processors in each jurisdiction, and complies with anti-money-laundering (AML) and know-your-customer (KYC/KYB) regulations.

If you identify a suspicious transaction, you can report it immediately from your dashboard or by contacting the support team. Aloha Pay has a compliance team that investigates and takes the necessary measures.

Aloha Pay offers support through: live chat from the dashboard or app, support email, support WhatsApp, and for enterprise accounts, a dedicated account manager. The support team is available in Spanish, English and Portuguese.

No. Aloha Pay does not store any customer's credit card data. The payment methods used (PIX, PSE, Nequi, etc.) are direct bank transfers that don't require sharing sensitive card data. This significantly reduces security risk.