- Founded
- 2023-01-01 in São Paulo, SP, Brazil
- Headquarters
- São Paulo, SP, Brazil
- info@la-finteca.com
LaFinteca is a regulated payment institution headquartered in São Paulo, Brazil, that offers an all-in-one payment processing and infrastructure platform purpose-built for the Latin American market. Founded in 2023, the company enables merchants to integrate a comprehensive range of local and traditional payment methods through a single API gateway, including Brazil's PIX and Boleto, Mexico's OXXO, and various e-wallets and bank transfers. LaFinteca holds direct financial licenses across multiple Latin American countries and was authorized as an Electronic Money Institution (EMI) by the Central Bank of Brazil in 2025. With a lean team of 11–50 employees, the company serves industries such as e-commerce, gaming, telehealth, and streaming, and differentiates itself through a consultative, tailor-made approach that optimizes payment workflows for each client. Its CEO, Dmytro Rukin, actively shares insights on the challenges of Latin American payment systems, and the company has forged partnerships such as an AI-powered customer service beta with EBO in 2024. LaFinteca competes with larger players like EBANX, dLocal, and PayU but occupies a strategic niche by focusing exclusively on the region's fragmented payment landscape.
Detailed Review
History and Founding
LaFinteca was founded in 2023 in São Paulo, Brazil, by a team with deep expertise in Latin American payment infrastructure. The company's founder and CEO, Dmytro Rukin (also known as Dima Rukin), has written about the complexities of working with local payment systems in the region, reflecting the hands-on knowledge that shaped LaFinteca's platform. Despite some social media references to "Since 2020", official sources including LinkedIn and Crunchbase confirm a 2023 founding.
Business Model
LaFinteca operates as a payment gateway and infrastructure provider that charges merchants for transaction processing, integration services, and value-added features like multicurrency handling and analytics. Its revenue model likely includes per-transaction fees, monthly platform fees, and possibly markup on currency conversion. By aggregating multiple payment methods into one API, LaFinteca reduces the integration overhead for merchants and helps increase conversion rates by offering locally preferred payment options.
Core Products and Platforms
The flagship product is the LaFinteca Payment Gateway, a unified API that supports credit/debit cards, real-time instant payments, and alternative payment methods (APMs) such as Boleto, PIX, OXXO, and various e-wallets. Additional offerings include Real-Time Payments leveraging Brazil's PIX, multicurrency processing, compliance and licensing services, and integrated analytics and cybersecurity. The company's API documentation is designed for fast onboarding, and it provides a dashboard for transaction monitoring.
Market Position and Competitors
LaFinteca targets businesses where payments are central — e-commerce, digital content, subscription services, and marketplaces across Latin America. Its key competitors include established regional players EBANX, dLocal, and PayU, which have larger scale and funding. However, LaFinteca differentiates by offering a consultative, customised integration rather than a one-size-fits-all solution, and by holding direct licenses in multiple jurisdictions, reducing compliance burdens for merchants.
Licensing and Regulation
A major milestone was LaFinteca's authorization as an Electronic Money Institution (EMI) by the Central Bank of Brazil in 2025, which strengthens its regulatory standing and enables it to issue electronic money. The company also holds direct financial licenses in other Latin American countries such as Mexico, Chile, Peru, and Colombia, allowing it to process payments locally without relying on third-party partners.
Partnerships and News
In 2024, LaFinteca announced a partnership with EBO to launch an AI-powered customer service beta for Latin America. The company also engages in thought leadership through its CEO, who writes articles and speaks about local payment challenges. The company's brand presence is built through its website, LinkedIn, and Instagram, and it has been featured in publications like BusinessCloud and Yahoo Finance.
Key Products
LaFinteca Payment Gateway
A unified API that aggregates traditional and alternative payment methods, including bank transfers, e-wallets, cash payment points (e.g., boleto), and instant payment systems (Pix, SPEI, PSE). Supports multicurrency transactions and real-time payment processing.
Alternative Payment Methods (APM) Aggregation
Focus on local payment rails that are the default in LATAM markets, enabling merchants to accept region-specific methods without separate integrations.
Direct Financial Licenses
The company holds direct licenses in Latin American countries, allowing it to act as a regulated payment service provider rather than relying on third-party processors.
API Documentation and Developer Tools
User-friendly API with documentation designed for easy integration by client development teams.
One Payment Platform
A unified API that integrates both traditional and local Latin American payment methods for merchants operating across multiple countries in the region.
Alternative Payment Methods (APM) Gateway
Aggregates popular banking transfers, e-wallets, and cash-based payment points (e.g., OXXO, SPEI, PSE) into a single integration.
Real-Time Payments
Instant payment processing with worldwide delivery capability, leveraging local instant payment systems like Brazil’s Pix.
Multicurrency Processing
Enables transactions in multiple currencies across different Latin American countries, with automated conversion and settlement.
Compliance & Security Suite
Adherence to local financial regulations in all Latin American countries where LaFinteca operates, combined with cybersecurity protocols.
Payment Analytics & Integration Tools
User-friendly API documentation, transaction analytics, and monitoring dashboards for merchants.
Alternative Payment Method (APM) Integration
A service connecting merchants to popular local payment methods in each LatAm country to reduce customer friction and increase conversion rates.
Compliance & Licensing
Direct financial licences for providing payment services across Latin America; authorised as an Electronic Money Institution (EMI) by the Central Bank of Brazil in 2025.
Analytics & Cybersecurity
Integrated analytics on transactions and payment performance, paired with advanced cybersecurity protocols to ensure data protection.
Offices & Headcount
30 employees (approx.)
Key Persons
Dima RukinFounder & Chief Executive Officer (CEO)
- Dmytro (Dmitriy) Rukin
Founder & CEO