PosDirecto · Tap on Phone certificado por Mastercard en Venezuela

How it works

Three steps. No physical POS.

What used to require a $200 terminal, a bank contract and weeks of waiting is now a download on the merchant's phone.

Download the app

The merchant downloads PosDirecto on their NFC Android phone. Immediate onboarding, KYC in minutes.

Open the charge

Enter the amount, transaction type, optional tip. The app is ready in seconds.

Customer taps

Customer's contactless card or phone on the merchant's phone. Online-approved payment with Mastercard. Digital receipt instantly.

The problem

Hundreds of thousands of merchants without POS today.

The traditional physical POS is expensive, slow to enable, and structurally excludes small merchants, street vendors, remote areas. It's the bottleneck of financial inclusion on the collection side.

Traditional POS

One register. A thousand obstacles.

$150–$300 of hardware per terminal
Bank contract, formal requirements, weeks of waiting
Only viable for established and formal commerce
Maintenance, batteries, connectivity
De facto excludes 80% of Venezuelan commerce

PosDirecto Tap on Phone

The POS is already in their hand.

$0 hardware. The phone is already bought.
Immediate onboarding from the app
Serves the barbershop, food truck, street vendor, workshop, freelancer
No extra batteries or physical failure points
Enables financial inclusion on the merchant side for the first time

Why we win

The regulatory moat no one else has.

Tap on Phone is not something any startup can launch. Mastercard requires EMV certification, security audit, own tooling. It took years. We have it.

First Mastercard Tap-on-Phone certification in Venezuela. We were first through the EMV process and the security audit — the brand and production-learning advantage can't be bought later.
Full PCI/EMV compliance: security infrastructure is owned and audited.
Integration with the PagoDirecto network: merchants joining PosDirecto are automatically connected to the 500K-user paying base.
Banks as allies: the solution rides on top of existing processors — it doesn't compete with them, it enables them.
Correct market read: while everyone looked at the consumer, we saw the bottleneck was on the merchant side.

Why now

Venezuelan commerce is digitizing now.

Tap on Phone reached the world between 2020-2023. Venezuela is at the exact moment of mass adoption: NFC smartphones are commodity, merchants are ready, regulators approving.

01 · POS Market

47% of bank transactions

POS is the #1 payment channel in VE — more than Pago Móvil. 75.7M POS transactions in H2 2025 alone (Bancrecer).

02 · Smartphone

Growing NFC penetration

New Android phones in VE come with NFC by default. The hardware layer is already deployed for free.

03 · Commerce

Hundreds of thousands without POS

The unserved market is huge: informal commerce, street vendors, freelancers, service providers, events.

04 · E-commerce

$20B and +125% YoY

Commerce overall is growing at LatAm-leading pace. PosDirecto monetizes the in-person face of that same wave.

05 · Regulation

Enabling framework ready

Mastercard certified. Banks already operate contactless cards. The framework is there. It's execution, not discovery.

06 · Cross-sell

Every merchant is a PD customer

A merchant charging with PosDirecto is a natural candidate for Wisi POS, Credirecto and the PagoDirecto B2B network.

The POS of the future is already in every pocket.

PosDirecto turns any phone into a Mastercard-certified point of sale — the only such certification in Venezuela. The Embassy pilot scales it across small merchants under supervised acceptance.

Discuss the 90-day pilot Back to main pitch

Any phone becomes a point of sale.