Pinpeo is an API-based payment gateway for Mexico covering e-commerce, POS/TPV, and OXXO cash deposits, with a WooCommerce plugin and a consumer transfers app.
Pinpeo is a payment gateway and financial services platform built for the Mexican market, published by PAGAPHONE SMARTPAY SA DE CV. On the merchant side, Pinpeo exposes a REST API (authenticated with HMAC-SHA256 and CLIENT_KEY/SECRET credentials) for e-commerce payments, point-of-sale (TPV) transactions supporting chip EMV, contactless NFC, and magnetic-stripe cards, and cash-deposit payment references through channels such as OXXO Pay. The platform also handles client and payment-method management with card tokenization, transaction queries, and daily settlement reporting, and offers a sandbox environment, webhooks for real-time payment notifications, and a white-label TPV application. WordPress/WooCommerce merchants can install the official Pinpeo Gateway plugin, which encrypts card number, expiration, and CVV with RSA in the browser before submission and supports block-based checkout plus API-driven refunds within a 24-hour window. On the consumer side, Pinpeo offers a free iOS/Android app for account-to-account transfers, SPEI transfer sending and receiving, remittance sending and receiving, mobile recharges, card-based collections, and utility bill payments. The public marketing site (pinpeo.com) is a client-rendered single-page app that does not expose a public pricing page; merchants must request API credentials directly from Pinpeo to go live.
Key Features
E-commerce payment processing — REST API for accepting online card payments, with client and payment-method management, card tokenization, transaction queries, and daily settlement reporting (docs.pinpeo.com).
POS / TPV terminals — Physical point-of-sale devices (Pinpeo POS, Pinpeo Elite) supporting chip EMV, contactless NFC, and magnetic-stripe card payments in person (pinpeo.com/dispositivos, docs.pinpeo.com).
OXXO cash payments — Generates cash-deposit payment references that customers can pay at OXXO stores; additional fees apply at the register per Pinpeo's own FAQ (pinpeo.com/faq, docs.pinpeo.com).
WooCommerce payment gateway plugin — Official Pinpeo Gateway plugin for WordPress/WooCommerce stores, with RSA-encrypted card-data capture in the browser, block-based checkout support, and API-driven refunds within a 24-hour window (wordpress.org/plugins/pinpeo-gateway).
Developer API with HMAC-SHA256 authentication — REST API authenticated via HMAC-SHA256 request signing with CLIENT_KEY/SECRET credentials, including a sandbox test environment, webhooks for real-time payment notifications, and a white-label TPV application (docs.pinpeo.com).
Consumer transfers and payments app — Free iOS/Android app for account-to-account transfers, SPEI transfer sending and receiving, remittance sending and receiving, mobile recharges, card-based collections, and utility bill payments (apps.apple.com).
Pros & Cons
Pros
Single API covers e-commerce, POS/TPV, and OXXO cash-deposit payment methods
Official WooCommerce plugin for WordPress merchants with block-based checkout support
Client-side RSA encryption of card data plus HMAC-SHA256 request signing for API calls
Sandbox environment with test cards for development before going live
Companion consumer mobile app covers transfers, remittances, recharges, and bill payments
Cons
No public pricing or fee schedule is listed on the marketing website
Marketing site (pinpeo.com) is a JavaScript-only single-page app with very little crawlable content
Primarily built for the Mexican market, with Spanish-language services tied to local rails (SPEI, OXXO)
Merchants must contact Pinpeo directly to obtain API credentials before integrating
Frequently Asked Questions
What payment methods does Pinpeo accept?
Pinpeo lets merchants accept multiple payment methods from their customers: credit and debit cards (Visa, Mastercard, American Express), and cash payments at OXXO stores (additional fees apply at checkout).