Grow your network without
opening branches
Kaval Pay turns any merchant into a transactional service point and connects it to the institutions on the network; in real time, under your brand.
BAM expanded its coverage without opening branches
BAM, Banco Agromercantil de Guatemala, enabled a network of agents and merchants, with Kaval Pay operating underneath.
The network already exists. What’s missing is the technology to connect it.
Millions of merchants serve customers every day who need to withdraw cash, pay a bill or receive a remittance. That demand had no formal answer.
Kaval Pay turns any merchant into a transactional point.
Reach without opening offices
Bring transactional services where a branch isn’t justified, but an agent is. Without opening a single point of your own.
Connects physical and digital channels
Links merchants and agents with transactional systems in real time, whatever the channel — authentication, routing and confirmation in seconds.
Invisible and reliable
The agent sees «transaction successful»; the institution gets full traceability and real-time control.
Cloud reporting
Clear data and real-time decisions, accessible from anywhere.
From the user to the confirmed transaction
User arrives at the agent
The customer goes to a merchant or correspondent enabled in their area, without traveling to a bank branch.
The agent operates from a POS or phone
They start the operation from a simple interface. No advanced technical training or proprietary systems to maintain.
Kaval routes to the right system
Kaval automatically connects to the bank, remittance firm or provider, without the agent needing to know how.
Transaction executed and validated
The company processes, validates and confirms instantly, with full traceability for the bank.
One infrastructure,
many services and sectors
Withdrawals and deposits
Cash operations at any enabled point, without going to a branch.
Bill payment
Electricity, water, phone and more: the agent becomes a collection point.
Remittances
International transfers processed at the point of service, without intermediaries.
Banking correspondents
Full correspondent banking with traceability, reports and centralized control.
Satellite merchants
Shops, pharmacies and local merchants as points of service for banks, insurers and telcos.
Consolidated figures of the network operated under the BAM brand
This is not a pilot. Every month, thousands of real transactions run through Kaval Pay: routed, validated and confirmed in seconds, with full traceability for every institution.
- Deposits31.2%
- Withdrawals27.9%
- Collections payment16.3%
- Services payment15.4%
- Credit card payment4.0%
- Phone services payment3.0%
- Balance inquiry1.1%
- Loan payment0.8%
- Remittances0.4%
Your brand up front.Our infrastructure behind.
Platform interface implemented for our client, BAM.
Bank-grade security
Infrastructure built to international standards.
SOC type 2
Security, availability and confidentiality.
ISO 27001
Information security management.
Real time
Processing and alerts in seconds.
Cloud native
Reporting accessible from anywhere.
Could your agent network do more with the right technology?
Leave us your details and our team will reach out to show you Kaval Pay — on a call, no fluff.