Milio
ActiveB2B-2C real-time account to account payments
About
Milio is a fully interoperable and immediate payment system for Colombia through a single API connected to millions of accounts. Milio allows companies to perform payable and receivable in real time without ACH rails. We provide our solution through two Plug and Play integrations: PID payment button: End-to-end, white label, native, non-redirection payment technology for your customers to pay you account-to-account more efficiently than PSE, without heavy and inefficient ACH cycles and fixed rates. Technology: API, SDK, Checkout UI. Immediate disbursement: Single API connection to all banks, allowing any company or person to disburse 24/7, in real-time, with immediate crediting of funds to third parties at any bank or digital wallet. Technology: API, Dashboard UI.
From their website
www.miliopay.com ↗Milio provides a global, real-time money movement platform that connects banks and businesses to enable instantaneous cross-border transfers with end-to-end visibility and security. It emphasizes a single integration to operate across multiple markets, with programmable APIs and SDKs for developers and enterprises.
Milio offers real-time cross-border transfers with end-to-end traceability and bank-level security. It provides direct bank integration and API/SDK access for fintechs and companies, enabling instant remittances, wallet liquidity (cash in/out from cards), automated debits for recurring payments, and fast fund availability. The platform claims high capacity (10k+ transactions per second), 24/7 uptime, and a unified transfers solution designed to reduce development time and complexity.
Who it’s for: Fintechs, Banks/financial institutions, Wallet providers, Lenders, Gambling/gaming platforms, Enterprises needing cross-border payments and payout/disbursement capabilities
- real-time cross-border transfers
- end-to-end transaction visibility
- bank-level security and monitoring
- single integration across markets
- APIs and SDKs for production
- cash in/cash out via cards
- recurring debits and automated disbursements
website emphasizes enterprise adoption, developer solutions, demo requests, and scalable production-ready APIs; mentions 10k+ TPS and 24/7 availability as performance signals
Founders · 3
Operator and investor with 10+ years scaling fintechs and marketplaces across LatAm, Europe, and the US. Co-founder of Milio (YC W23, B2B payments and treasury SaaS). Previously at SumUp (Director Expansion LatAm), Uber (GM Delivery, Andean Region), and BCG (Consultant, Financial Services & GTM).
Product Manager and Strategist, UX freak, and Project Manager. Passionate about building digital projects from the ground up across different industries, including Fintech, Mobility and Healthcare. I'm currently building a comprehensive lending and payments infrastructure solution for the B2B commerce in Latin America. When I'm not designing prototypes and workflows, I love skateboarding and spending time at the beach with my daughter.
Launch
Milio is building B2B payments infrastructure for emerging markets, domestic and cross-border, with an embedded B2B-commerce checkout. Real-time and saving up to 80% of transaction costs.
Milio builds B2B payments infrastructure for emerging markets (domestic and cross-border) with an API that connects to legacy ERPs and a B2B checkout. It enables real-time, account-to-account payments and treasury automation, aiming to reduce transaction costs and manual work while boosting B2B checkout conversion.
From the original launch (Mar 2023) — may be outdated.
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