Connect global payment systems without changing them
RoamingPay is PagBrasil’s cross-border infrastructure that connects financial institutions to local instant payment networks, without requiring multiple integrations.
It enables users to pay abroad in real time using their existing banking apps or digital wallets, while merchants receive funds instantly in their local currency.
With a single integration, institutions can expand globally — without rebuilding infrastructure or managing multiple local connections.
A new layer for global payment interoperability
As instant payment systems continue to expand worldwide, the next challenge is no longer adoption — it’s connectivity.
Travelers expect to pay abroad using the same methods they rely on at home. At the same time, financial institutions need to enable these experiences without adding operational complexity.
RoamingPay is built for this new reality.
With initial coverage in Brazil and Argentina, and a rapidly expanding roadmap across Latin America and beyond, RoamingPay unlocks access to a growing network of real-time cross-border payments.
Real-time payments, from scan to settlement
The traveler scans a local QR code or enters a payment key using their own banking app or digital wallet.
RoamingPay identifies the payment format and retrieves the transaction details from the local payment network.
The amount is converted, and the user confirms the payment in their home currency with full transparency.
The merchant receives the funds instantly in their local currency through the domestic payment infrastructure.
Built for banks and wallets scaling globally
Expand internationally while strengthening your customer relationship and simplifying operations.
Stronger primary customer relationship
Keep payments within your app and remain the customer’s primary financial platform.
Seamless payments for travelers
Users pay abroad using their existing app — no downloads, no friction.
One integration, multiple networks
Connect to local payment systems worldwide through a single API.
Faster international expansion
Enter new markets without building local payment integrations.
Reduced operational complexity
We handle interoperability, settlement, and FX conversion for you.
Simplified liquidity management
Pre-funding in major currencies like USD and EUR — no need to manage local balances.
New revenue streams
Unlock revenue through transaction fees, FX services, and credit.
Frequently asked questions about RoamingPay
1. Where is RoamingPay currently available?
RoamingPay supports QR payments in Brazil (BRL) and Argentina (ARS) today, with expansion already in progress across Latin America and Europe. As new markets are added, institutions can extend coverage without additional integrations or contracts.
2. Which types of institutions can use RoamingPay?
The solution is built for financial institutions, including clearing houses, banks (digital and traditional), wallet providers, and payment platforms looking to enable cross-border QR payments.
3. Do customers need to download a new app?
No. Users complete payments through the banking apps or digital wallets they already use. RoamingPay connects these apps to local payment networks abroad, preserving a familiar experience.
4. How does currency conversion work?
When a payment is initiated, the transaction amount is returned in a base currency (USD or EUR). The issuing institution then converts this value into the user’s local currency. The exchange rate is locked in at the time of confirmation, ensuring full transparency.
5. When do merchants receive the funds?
Settlement happens in real time. Merchants receive payment instantly in their local currency via the domestic payment network.
6. How is foreign exchange risk handled?
PagBrasil guarantees the exchange rate for the conversion into USD or EUR at the time of the transaction. The issuing institution manages the final conversion into the user’s currency and any associated FX exposure.
7. Does RoamingPay require multiple integrations?
No. A single API integration provides access to multiple payment ecosystems. As new markets go live, they become available without additional development work.
