Recurrente

Recurrente is a Guatemalan payment gateway that gives businesses of any size the infrastructure to collect payments online, in person, and on a recurring basis — without the lengthy bank contracts, expensive hardware, or technical overhead that traditionally gated access to card processing in Central America.

What It Does

Recurrente operates as a full-stack payment platform. Merchants can generate shareable payment links (distributable via WhatsApp, email, or social media), open a hosted online storefront, run subscriptions with automatic recurring charges, and accept in-person card payments using either a dedicated POS terminal or a smartphone running the Recurrente mobile app. All of these surfaces share the same dashboard, settlement account, and reporting interface.

The platform handles both traditional payment rails and digital-dollar assets:

• Cards: Visa, Mastercard, and American Express (credit and debit)
• Bank transfers: ACH transfers for Guatemala and the United States, SPEI for Mexico, and SEPA for Europe
• Stablecoins: USDT (Tether) and USDC, accepted across multiple blockchain networks including Tron (TRC-20), Ethereum (ERC-20), BNB Smart Chain (BEP-20), and Polygon
• Tokenized commodities: XAUT (Tether Gold), enabling merchants to accept gold-backed digital assets

The stablecoin layer allows Guatemalan businesses to collect dollar-denominated payments from international customers without a US bank account. Merchants can either hold received stablecoins in a crypto wallet or convert them to Guatemalan quetzales for direct bank deposit.

Key Features

Payment links and storefronts. Merchants generate a link to a specific product or an open-amount invoice in minutes. The built-in catalog builder supports a full product store hosted under the Recurrente domain, requiring no separate e-commerce platform.

Recurring billing. The subscription engine charges saved cards automatically on a merchant-defined schedule. The customer authorizes the initial charge; subsequent cycles run without further interaction. This is used heavily by fitness studios, SaaS products, and membership-based businesses in Guatemala.

Installment plans. Recurrente supports splitting card purchases into up to 18 monthly installments, giving merchants a tool to increase average order value without managing credit risk themselves.

Cliq saved-payment network. The platform maintains a saved-card vault called Cliq, which lets returning customers check out in one click across any merchant that uses Recurrente. As of the platform's published figures, more than 420,000 users have cards stored in this network.

Tap to Pay. The mobile POS converts an NFC-enabled Android smartphone into a contactless card terminal, eliminating the need for dedicated hardware for merchants who need occasional in-person collection.

API and integrations. A documented REST API (published via Postman) supports custom checkout implementations. Pre-built plugins are available for WooCommerce and Shopify, with the Shopify integration requiring an authorized partner.

Scale

Recurrente publishes two headline metrics on its website: more than 10,000 active merchants and more than 420,000 users with saved payment methods through the Cliq network.

Pricing

Card transactions are charged at 4.5% plus Q1.20 per transaction. Bank transfers cost 1% with a maximum fee of Q20. The platform has no signup fee, monthly fee, or cancellation penalty. New merchants receive their first Q500 in transaction volume processed commission-free.

Security and Compliance

Recurrente holds PCI DSS certification and applies 3D Secure authentication across all card transactions. The checkout layer uses 256-bit SSL encryption. The platform also employs a hybrid fraud-detection system combining automated screening with manual review for flagged transactions. Authentication uses time-limited verification codes rather than fixed passwords.

Guatemalan merchants integrating Recurrente require a valid national ID (DPI), tax registration number (NIT), a Guatemalan bank account, and FEL electronic invoicing capability to meet local regulatory requirements.

Ecosystem Context

Recurrente addresses a structural gap in Guatemala and Central America where traditional card processing has historically required formal bank relationships, minimum revenue thresholds, and months-long onboarding. By removing those barriers and layering in stablecoin acceptance, the platform positions itself as a bridge between the local quetzal economy and dollar-denominated digital assets. Its support for USDC and USDT — both of which are natively issued on multiple chains including Solana — reflects a broader regional trend of Latin American fintechs adopting stablecoin rails to serve underbanked or dollarized markets. Recurrente's stablecoin payments currently run on Tron, Ethereum, BNB Smart Chain, and Polygon networks, with the platform guiding merchants toward Tron and Polygon for cost efficiency.