PayCaddy

PayCaddy provides an API-based platform to launch card issuing programs and financial products for Latam, enabling companies to issue Mastercard-branded cards under their own brand with regulatory compliance. It offers both code-friendly API integration and no-code whitelabel options, targeting fintechs, crypto platforms, retailers, lenders, wealth managers, and marketplaces in Latin America.

The product is an API-based platform that allows companies to launch card issuing programs with bespoke API-first integration or a no-code/whitelabel path. Features include RESTful API access, customizable UI/UX, webhooks and real-time events, a sandbox environment, and options for bespoke or express setups. It supports credit, debit, and prepaid card issuance, wallet integration, KYC flows (integrated or delegated), BIN sponsorship, ICA/BIN assignment, and cross-border issuance backed by Mastercard, with both physical and virtual cards and full program control. It enables brands to issue cards under their own identity with regulatory compliance and Mastercard network backing, across Latin America.

Backed by YC Winter 2022; Mastercard Engage & Start Path official program member; regulatory supervised by SBP Panama; multiple market-focused messaging indicates traction and growth.