The AI-native payment infrastructure for Acquirers

    A unique payments infrastructure stack, 100% proprietary, modular and AI-native — with 30+ specialized agents and API/MCP-configurable — enabling banks, fintechs and brands to scale modern financial products on card rails, local payments, stablecoins and agentic payments.

    One integration the entire stack

    Six integrated modules, one single API. Everything you need to process, operate, and scale payments in Latin America.

    Payments Processing

    +5 AI Agents

    Risk & Fraud

    +6 AI Agents

    Financial Operations

    +4 AI Agents

    Data & Reporting

    +3 AI Agents

    Merchant Services

    +4 AI Agents

    Core

    +2 AI Agents
    FRAUD AGENTROUTING AGENTCHARGEBACK AGENTSUPPORT AGENTAML AGENTDUE DILIGENCE AGENTFINANCIAL OPS AGENTINSIGHTS AGENTMERCHANT ONBOARDING AGENTSETTLEMENT AGENTBILLING AGENTRISK SCORING AGENTTOKENIZATION AGENTRECONCILIATION AGENTNETWORK EXPERT AGENTTAX AGENTTROUBLESHOOTER AGENTCOMPLIANCE AGENTDATA SYNC AGENTPROMOTIONS AGENTFRAUD AGENTROUTING AGENTCHARGEBACK AGENTSUPPORT AGENTAML AGENTDUE DILIGENCE AGENTFINANCIAL OPS AGENTINSIGHTS AGENTMERCHANT ONBOARDING AGENTSETTLEMENT AGENTBILLING AGENTRISK SCORING AGENTTOKENIZATION AGENTRECONCILIATION AGENTNETWORK EXPERT AGENTTAX AGENTTROUBLESHOOTER AGENTCOMPLIANCE AGENTDATA SYNC AGENTPROMOTIONS AGENT

    Native Artificial Intelligence in every layer. It's not an add-on. 20+ proprietary agents process, decide, and optimize every transaction automatically.

    The evolution of payments

    Infrastructure designed to operate payments at scale, with resilience, performance, and total control.

    0M+Out-of-the-box capacity for 50M+ daily txns
    0.000%Uptime across 6+ simultaneous datacenters
    0%Configurable via API, dashboard & interfaces
    0M+Daily requests, peaks of 15K req/s

    One platform. Everything you need.

    Payments, settlement, fraud & AI in a single API

    Five pillars covering 100% of the payment lifecycle. One integration replaces five vendors.

    PAYMENTS

    Multi-rail payment infrastructure for LATAM

    Multi-rail processing, online and physical payments, 50+ payment methods across LATAM.

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    RISK & COMPLIANCE

    Automated risk and compliance engine

    AI-powered fraud engine, dynamic rules, 3DS, and network tokenization.

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    DATA & REPORTING

    Real-time financial intelligence

    Dashboards, reports, and business metrics for data-driven decisions.

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    MERCHANT CENTER

    The white-label financial hub for your merchants

    Complete management portal: transactions, settlements, disputes, and configurations under your brand.

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    FINANCIAL OPERATIONS

    Reconciliation and settlement with full control

    Automated reconciliation, settlement, and clearing with total visibility.

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    BUSINESS MODELS

    Two paths, one standard.

    Whether you need an acquiring license or already have one and are looking for the best processor, Akua has the solution.

    ACQUIRING AS A SERVICE

    Become an
    acquirer

    AI-powered fraud engine, dynamic rules, 3DS, and network tokenization.

    < 90 DAYS

    TIME TO MARKET

    12,000+

    PEAK TPS

    99.999%

    AVAILABILITY

    Acquiring license included
    Direct Visa & Mastercard connections
    PCI DSS 4.0, PCI PIN, SOC2 & ISO27001 certifications
    Automated settlement & clearing
    White-label merchant dashboard
    Multi-country regulatory compliance

    IDEAL FOR:

    FINTECHCOOPERATIVESNEOBANKSRETAILERS

    PROCESSING SOLUTION

    Cloud-native
    processing

    LATAM's most modern processing core, designed from scratch for cloud with AWS.

    < 50MS

    P50 LATENCY

    100%

    SINGLE TENANT

    99.999%

    AVAILABILITY

    Native AWS active-active deployment
    Intelligent auto-scaling by traffic
    99.999% contractual uptime SLA
    Native ISO 8583 + modern REST APIs
    PCI DSS 4.0 certified by architecture
    Real-time monitoring & observability

    IDEAL FOR:

    TIER 1 BANKSACQUIRERSPROCESSORSPSPS

    Infrastructure & API-First

    100% Cloud Native, 100% API,
    100% MCP

    Every service, every configuration, every data point — accessible via API or MCP. Deployed across 2 AWS regions with 6 active-active datacenters.

    Cloud NativeActive-ActiveISO 8583 Direct

    Multi-region architecture active-active

    Multi-active platform deployed across 2 AWS regions with 6 simultaneous datacenters. Real-time replication and automatic failover.

    Datacenter
    Datacenter
    Datacenter
    Datacenter
    Datacenter
    Datacenter
    Visa
    AWS
    Mastercard
    Higher approval rate
    Lower latency
    Greater resilience
    Direct ISO 8583 connection

    6

    Datacenters

    2

    AWS Regions

    99.999%

    Uptime

    <50ms

    Latency

    AWSMulti-region infrastructureVisaMastercardDirect Connect
    API & MCP FirstMCP Native

    A platform operable via APIs and agents

    End-to-end Agent-ready infrastructure. Built so an LLM can operate 100% of Akua via REST API, MCP, or Webhooks.

    akua-api
    >POST/v1/charges✓ 201 Created
    >GET/v1/settlements✓ 200 OK
    >POST/v1/merchants✓ 201 Created
    >GET/v1/risk/score✓ 200 OK
    >POST/v1/agents/run✓ 200 OK
    PaymentsRiskFinOpsDataMerchantsTokenization3DSAI AgentsCashoutsChargebacks+32
    REST APIMCP NativeWebhooksGraphQL
    AI Agents ecosystem

    An AI agents ecosystem

    Payments AgentInsights AgentSupport AgentAML/KYC AgentTroubleshooter AgentNetwork Expert AgentData AgentPayments AgentInsights AgentSupport AgentAML/KYC AgentTroubleshooter AgentNetwork Expert AgentData AgentPayments AgentInsights AgentSupport AgentAML/KYC AgentTroubleshooter AgentNetwork Expert AgentData Agent
    Merchant Onboarding AgentLegal AgentFraud Prevention AgentChargeback AgentRedLine AgentIntegration AgentReconciliation AgentMerchant Onboarding AgentLegal AgentFraud Prevention AgentChargeback AgentRedLine AgentIntegration AgentReconciliation AgentMerchant Onboarding AgentLegal AgentFraud Prevention AgentChargeback AgentRedLine AgentIntegration AgentReconciliation Agent

    Your business model. Our infrastructure.

    Designed for every operator

    Whether you're an acquiring bank, a fintech, or an ecommerce platform: Akua has the exact configuration for you.

    White-Label

    Your brand, our technology

    Offer payment products with your own identity. From checkout to Tap to Phone, all infrastructure under your brand.

    Embedded Checkout

    Embedded Checkout

    Fully customizable payment forms with your CSS, colors, and typography.

    Native SDK

    Native SDK

    SDKs for iOS, Android, and Web with white-label-ready UI components.

    Tap to Phone

    Tap to Phone

    Your app, your brand. Merchants turn their smartphone into a payment terminal.

    Merchant Dashboard

    Merchant Dashboard

    Management portal for your merchants with analytics, reports, and configuration.

    Developer Experience

    From sandbox to production

    An API designed by developers. Complete documentation, SDKs in all major languages, and a sandbox that simulates 100% of production flows.

    Connect your AI agent with our native MCP Server

    Start the journey
    toward borderless payments

    Join banks, fintechs, and platforms in LATAM already processing with Akua. No commitments. Response in less than 24 hours.