{"id":67538,"title":"Infinia - The account to account payment solution in LATAM","tagline":"Meet Infinia, we help merchants/apps save up to 80% on credit cards fees, enabling Pay By Bank across Latin America.","body":"# One API - Multi-country A2A Payments\n\nHi everyone!! Ianai and Alejandro here to introduce Infinia.\n\n[Infinia](https://www.infiniaweb.com/en) makes it easy for consumer to pay by bank, and we make it easy for merchants to enable this payment method.\n\n![uploaded image](/media/?type=post\u0026id=67538\u0026key=user_uploads/1007566/cf9496ee-9e4c-45fe-972a-69678057ae8d)\n\n### 😩 The Problem\n\nUnlike Europe, where there is an open banking standard and regulation, in **LATAM each country operates independently**, with different regulation and payment rail.\n\nIn addition, **cards decline rate** roughly **35% in LATAM**….\n\nWe are the first solution to put together those payment rails and create an easy way for merchants to accept frictionless **Pay By Bank across the continent**.\n\n### 🤩 Our Solution\n\n![uploaded image](/media/?type=post\u0026id=67538\u0026key=user_uploads/1007566/213b1e7b-fc1e-425a-8df2-1e4ed0658f0c)\n\n\nAll-in-one Pay By Bank API solution:\n\n1. Payment initiation services: it makes live easier for consumers to pay.\n2. Funds confirmation: Businesses can confirm funds in real time.\n3. Rewards program: consumers earn in store credit when they pay by bank.\n\n### Who is this for?\n\nMerchants, apps, marketplaces, payment service providers, who operates in LATAM, and would like to save on credit card fees and offer a frictionless Pay By Bank option 🚀!!\n\n### Our Ask 🙏\n\n* **Share this post!** Please help spread the word, we want to help startups with fairer payments.\n* **Connect us** with **companies, potential partners and clients**. We would love to showcase our product and discuss the future of payments in LATAM.\n\nFeel free to reach out to us [founders@infiniaweb.com](mailto:founders@infiniaweb.com).","slug":"HZK-infinia-the-account-to-account-payment-solution-in-latam","created_at":"2022-11-28T13:22:12.105Z","updated_at":"2026-05-25T01:59:05.718Z","total_vote_count":101,"url":"https://www.ycombinator.com/launches/HZK-infinia-the-account-to-account-payment-solution-in-latam","share_image_url":"//bookface-static.ycombinator.com/assets/ycdc/yc-og-image-c440a0ad1dacfb86eeeb343717479cc54d256614449b4ef719977a0a451f8bc8.png","company":{"id":27957,"name":"Infinia","slug":"infinia","url":"https://www.infiniaweb.com/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/e7fe17d09bdbf7258b587a47e734d932c0b1886d.png","batch":"Winter 2023","industry":"Fintech","tags":["Payments","Cryptocurrency"],"search_path":"https://bookface.ycombinator.com/company/27957"}}