Use Cases
Success Case ProntoPaga
ProntoPaga consolidates reconciliation across 25 partners
How Latin America’s fastest instant payment processor unified Pay In and Pay Out flows.
15M+
Records reconciled in a single month
>99.99%
Automated reconciliation against partners
25
Partners consolidated into a single model
About ProntoPaga
ProntoPaga is a regional platform specialized in the fast collection and disbursement of payments through local solutions. The company processes +8M monthly transactions and USD 260M in monthly volume, integrating 50+ institutions across Chile, Peru, Ecuador, Brazil, Argentina, and Mexico. It is also developing YOL1, a cross-border payments platform.
ProntoPaga's Challenge
ProntoPaga operates as a payment aggregator connecting businesses with multiple processors across the region. Growth in volume and partner expansion required strengthening operations, automating processes, and consolidating a comprehensive financial view.
Manual reconciliation at scale
Monthly transaction growth driving the need for more automated and efficient processes.
Fragmented Pay In and Pay Out
Operational expansion required integrating inflows and outflows into a consolidated structure.
Heterogeneous processors
25 partners with different formats, references, and naming conventions requiring harmonization.
Daily data load control
Operation requiring automated monitoring and early validation against inconsistencies.
Results achieved after Simetrik
The model unifies Pay In, Pay Out, and 25 partners into a single flow with end-to-end traceability.
25 partners consolidated into a single flow with automated validations.
Pay In and Pay Out consolidated with IN/OUT identifier and full fund visibility.
Partner-specific rules for decimals, IDs, statuses, and structural adjustments.
Resilient architecture absorbing format variations and reporting changes.
How was it solved?
ProntoPaga implemented a transactional-operational model that validates consistency between the Core and each payment method, covering Pay In and Pay Out in a consolidated flow. Auxiliary sources enrich identifiers; Partners reconcile against the Core, never each other.
How the solution was structured
Two domains from Simetrik’s framework cover the reconciliation of Pay In and Pay Out. The Core is the primary source of truth and Partners reconcile against the Core, never against one another.
Cash In
Pay In reconciliation against partners
Payments from the Core cross-checked against each partner’s reports, validating existence, amount, currency, status, and IDs.
Cash Out
Pay Out reconciliation against partners
Core withdrawals and payouts cross-checked against processor reports, validating execution, status, and reprocessing.
