Forbes Centroamérica · Jul 2026
Quotes Juan Diego Galvez on agentic payments, notes PayCaddy is working on an orchestrator/spin-off for agentic payment mandates, and discusses adoption and fraud risks.
Simplified Banking as a Service for Latam
Public company, workplace, funding, and market signals
PayCaddy is a Panama-based, Y Combinator-backed fintech infrastructure company that helps businesses launch and manage digital financial products through APIs and white-label tooling, especially card issuing, digital wallets, payments, and BIN sponsorship.
Primary product
API-based fintech-as-a-service platform for card issuing, digital wallets, payments, and BIN sponsorship
Founded
2018
Headquarters
Panama City, Panama
Team size
11-50 employees
Industry
Financial Services
Sub-industry
Fintech / Banking as a Service / card-issuing infrastructure
Offices
0 jobs at PayCaddy
Check back later for new openings
Business model
Stage
Seed
Total raised
$4.1M
Latest round
Seed · Sep 2022
Latest amount
$125K
Leadership
Chief Executive Officer
Head of Product
Chief Technology Officer
Chief Compliance, Risk and Legal Officer
Lead Engineer
Lead Designer
Investors
Mission-driven and speed-to-market focused, with a knowledge-sharing culture and a strong emphasis on helping customers launch financial products quickly and compliantly.
Compensation
Public job listings on Torre show role-specific base compensation signals around USD 1.5k-2k/month (some roles USD 2k/month), plus benefits such as 4 weeks PTO and private health insurance. This is not evidence of a company-wide pay policy.
Benefits
Pricing
Usage-/program-based enterprise pricing; PayCaddy describes a straightforward priced-to-scale model and time-to-market oriented issuance packages.
Differentiators
Technology
Customers
Competitors
Estimated revenue
approximately $5M ARR; public estimates vary and one source classifies it as under $5M
Estimated monthly visits
357
Traffic estimate as of Jul 2026
Forbes Centroamérica · Jul 2026
Quotes Juan Diego Galvez on agentic payments, notes PayCaddy is working on an orchestrator/spin-off for agentic payment mandates, and discusses adoption and fraud risks.
Forbes Centroamérica · Jul 2026
Profiles Juan Diego Galvez and says PayCaddy has scaled to process more than $140M in card payments and issue more than 170,000 cards in the region.
Panamá Banking News · Oct 2025
Covers a PayCaddy-UniBank-Mastercard event in Panama focused on innovation and financial inclusion, and quotes Juan Diego Galvez on PayCaddy's role as an enabler.
The Business Year · Aug 2025
Interview with the CEO describing PayCaddy's product, regulatory path in Panama, customer types, and growth plans.
República · Jun 2025
Profiles PayCaddy from Panama and describes it as infrastructure for banks, remittance hubs, and digital companies to launch embedded finance products, cards, and wallets.