Punto Digital
Accept NFC card and QR payments from a smartphone, in local currency or digital assets.
- No hardware
- NFC and QR
- Hybrid payments
AloPay Acquiring More approved payments, on any channel.
AloPay picks the best route for each transaction in real time and, if an acquirer fails, retries through another. Web, app, physical store and QR share a single platform.
Alodiga product datasheet. For information only; capabilities are confirmed in the technical proposal. Online version: https://alodiga.com/en/plataforma/alopay
Capabilities
It includes Punto Digital, which turns a smartphone into a payment terminal, and a merchant portal with automated settlement. Batch closing stops being a manual end-of-day process.
- Omnichannel acceptanceWeb, mobile SDK, Punto Digital and QR.
- Smart routingAI-driven route selection to optimize cost and approval.
- Cascading retriesAutomatic recovery of failed transactions through another acquirer.
- Built-in anti-fraudMachine learning models on every authorization.
- Merchant portalConfigurable settlement and automated reconciliation.
Technical specifications
- 3-D Secure 2.0
- Card tokenization (secure vault)
- Recurring payments and subscriptions
- Configurable T+0 / T+1 settlement
What AloPay Acquiring looks like
Screenshots of the platform in operation. Click an image to enlarge it. Sensitive data blurred
From operational problem to solution
The problem
Physical terminals that require maintenance, paper and a stable connection.
With AloPay Acquiring
Any compatible smartphone works as a terminal.
The problem
Merchants wait days to receive their funds.
With AloPay Acquiring
Configurable settlement, even same-day.
The problem
Error-prone manual batch closings.
With AloPay Acquiring
Digital closing with automatic reconciliation.
The problem
Closed systems that do not accept QR or digital assets.
With AloPay Acquiring
NFC, dynamic QR and digital assets on a single platform.
Generic gateway vs. AloPay
| Aspect | Generic gateway | AloPay |
|---|---|---|
| Route | Fixed | Chosen per transaction |
| Acquirer failure | Payment declined | Automatic retry through another acquirer |
| Fraud | Reactive rules | Predictive models |
| Settlement | T+2 or T+3 | Configurable T+0 / T+1 |
Legal and regulatory framework
AloPay Acquiring is designed to operate within the regulations.
Your institution remains the obligated party before SUDEBAN and the BCV. AloPay Acquiring gives you the controls, records and evidence those regulations require, ready for audit.
- Venezuela
Law of the Central Bank of Venezuela and BCV regulations on payment systems and the exchange regime (Exchange Agreement No. 1)
Interbank payments, mobile payment (pago móvil), foreign currency transactions and authorized exchange houses.
- Venezuela
SUDEBAN, Resolution No. 001.21: Rules governing financial technology services (G.O. No. 42.151, reprinted in G.O. No. 42.162)
Prior authorization of financial technology institutions (ITF) and bank partnerships with Fintech providers.
- Venezuela
SUDEBAN, Resolution No. 641.10: Rules governing the use of electronic banking services
Security, authentication, availability and traceability of electronic channels.
- Venezuela
Special Law against Computer Crimes
Unauthorized access, sabotage, computer espionage, electronic fraud and misuse of cards.
- International standard
PCI DSS (PCI Security Standards Council)
Protection of cardholder data.
Alodiga is a technology provider and does not offer financial services to the public. When a service requires prior authorization (for example, as a financial technology institution before SUDEBAN, or before SUNACRIP for digital assets), it is activated only once that authorization has been obtained. In other countries, the equivalent local regulations apply. See legal information.
Related modules
Business Portal
Manage points of sale, operators, licenses and transfers across your acquiring network.
- Point-of-sale fleet
- Operators
- Licenses
AntiFraude AI
Transaction monitoring with explainable AI, account takeover (ATO) detection, behavioral biometrics, device fingerprinting and suspicious activity reports.
- Real-time monitoring
- Models that learn
- Predictive ATO and bot detection
Would you like to see AloPay Acquiring with your own use cases?
Tell us what you want to launch or modernize and which systems you run today. We will walk you through the platform with your case and a phased roadmap, with no commitment.
- We contact you through the channel you prefer.
- Demo with a solutions architect, focused on your current systems.
- Phased proposal: which module first, why, and what result to expect.
Or directly: info@alodiga.com · +1 305 815 4862