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Running payouts in Mexico, Brazil, Colombia, and Argentina typically means multiple integrations, different settlement windows, and country-specific compliance requirements. For Money Transmitters and PSPs this often results in fragmented reconciliation and the need to keep FX buffers and prefunded balances in MXN, BRL, COP, and ARS “just in case.” That immobilizes capital and drags down growth.
Day to day, the pain shows up as: separate connections per rail, local bank approvals, mismatched settlement schedules, and reports that don’t speak to each other. QA and versioning multiply the technical debt and complicate the lives of Product, Ops, and Treasury teams.
Bitso Business concentrates access to SPEI* (Mexico), PIX (Brazil), PSE (Colombia), and CBU/CVU (Argentina) into a single standardized API that unifies pay-ins, payouts, and FX flows. Instead of “learning” four rails with different formats and rules, your system makes one standardized request and the platform routes it to the right rail—reducing points of failure and time-to-market.
Impact on your team:
Traditionally, keeping payouts fast required prefunding local accounts and holding an FX buffer per country. With Bitso Business you can operate from a unified balance and fund local transactions on demand, with real-time FX quotes you can confirm before execution. That reduces immobilized capital and improves your response to demand spikes.
For PSPs and Money Transmitters, this means a lower opportunity cost, fewer manual moves between local accounts, and more flexible liquidity availability. Multi-leg logic also lets you, for example, pay out in BRL using balances in MXN or USD within the same operation.
Another hidden cost is stitching together reports from banks, processors, and FX providers. Bitso Business gives you a single ledger for pay-ins and payouts across countries, automated exports (CSV or via API), and webhooks for events (received, completed, failed), plus unique references for end-to-end traceability.
The result: Faster month-end closes, less manual reconciliation, and audit-ready evidence in one place. Treasury gains a consolidated view of positions and pending items—without chasing IDs across multiple providers.
Integrating local rails one by one typically takes months of banking negotiations, compliance reviews, and technical hardening. With a unified, API-first approach, companies have gone live in 3–4 weeks depending on complexity and internal resources. That frees your squad from rebuilding infrastructure so you can focus on UX and growth.
What you gain:
Moving money across countries requires consistent security controls. Bitso Business offers end-to-end encryption, MFA, role-based permissions, signed webhooks, and real-time fraud/AML monitoring—aligned with ISO/IEC 27001. The infrastructure provides 99.9%+ uptime on key endpoints, with regional redundancy, auto-scaling, and SLAs that adapt to volume.
For Product and Ops teams, that translates into fewer dependencies on local providers, one coherent security pipeline, and a clear escalation and support model.
Most partners start with one market (e.g., Mexico or Brazil), run an end-to-end sandbox test (including FX and webhooks), and then roll out to production in phases (e.g., first PIX pay-ins, then SPEI* payouts). The typical path is: discovery → sandbox → production hardening → go-live → expansion.
From day one you get REST documentation (endpoints for /payins, /payouts, /fx), a Postman collection, and SDKs (Node.js, Python, Java) to speed up POCs and reduce time-to-value.
Scenario: A PSP processes collections in MXN and USD, and settles weekly commissions to sub-merchants in Brazil (BRL) and Colombia (COP).
Current pain: It keeps prefunding in local accounts, holds an FX buffer due to volatility, and reconciles manually using misaligned reports.
With Bitso Business:
Expected outcome: Less capital tied up in buffers/prefunding, fewer manual ops, more predictable cash, and faster time-to-market for new countries/rails.
Download the ebook: “Scale faster in LATAM: One API for all your pay-ins, pay-outs, and FX.”, and discover how to unify rails, optimize liquidity, and accelerate go-to-market with practical use cases and integration playbooks.
*NVIO México enables direct access to SPEI and delivers payment services fully compliant with Mexican regulation. NVIO Pagos México, S.A.P.I. de C.V., IFPE (“NVIO México”) is authorised and regulated by the Mexican National Banking and Securities Commission (CNBV). Learn more at nvio.mx/terms.