PayCaddy
Fintech Made Easy
PayCaddy is an API-based card issuing and financial product infrastructure platform for companies in Latin America. It addresses the complexity of building financial products from scratch by providing card issuing programs, BIN sponsorship, and digital wallet infrastructure through a single platform.
The platform offers two main integration paths: Bespoke, a RESTful API-first solution with webhooks, real-time events, and a sandbox environment for technical teams, and Express, a no-code whitelabel solution with ready-made templates and drag-and-drop configuration. Additional capabilities include BIN sponsorship with a dedicated ICA and BIN under the Mastercard network, Wallets as a Service for account-based money movement, and support for credit, debit, and prepaid cards in physical and virtual formats. KYC verification can be integrated or delegated, and funding options include prepaid, credit line, and just-in-time models.
PayCaddy serves banks, fintechs, crypto exchanges, retail companies, lenders, marketplaces, and other businesses launching card programs across multiple countries in Latin America. The company operates under the regulatory oversight of the Superintendencia de Bancos de Panamá. Pricing and packaging details are available through contact with their sales team.
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