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Earn the
freedom to

get paid.

accept payments.

grow.

sell.

start a business.

pay.

send money.

transfer funds.

go digital.

sell online.

Accept card  payments in Ecuador: No card reader required.

How does it work?

Scan the QR

From
card payment,
to instant access to
your money.

Do it all with Payphone.

Accept card payments with your phone and spend your money freely. No contracts, no paperwok.

Scan the QR

Learn more

Bar owner in his business accepting card payments from his laptop.Market seller accepting card payments from her cell phone with an app to charge by card.Customer paying with a card at a local store showing how simple it is to receive card paymentsEntrepreneur using an app to receive card payments with his cell phone from home.

Accept card payments, ​no bank account required

Just sign up with Payphone and start accepting payments.
Bar owner in his business accepting card payments from his laptop.

Pay worldwide with your Payphone Mastercard

Use it anywhere Mastercard is accepted, online or in-store.
Customer paying with a card at a local store showing how simple it is to receive card payments

Your money arrives instantly in your balance

Get paid fast, with no hassle and no waiting times.
Market seller accepting card payments from her cell phone with an app to charge by card.

Get paid by anyone with a payment link

Send a payment link and ​get paid from clients anywhere in the world.​
Entrepreneur using an app to receive card payments with his cell phone from home.

How people use it

Who is Payphone for?

Do it all from your phone

Young woman in a food truck receiving card payments with her cell phone.

For Individuals

Recieve card payments without a card reader.

Learn more

Barber using laptop to charge by card at his barbershop with Payphone.

For Entrepreneurs

Get paid fast and manage your sales from your phone.

Learn more

Migrant woman using an app to send and receive card payments from her cell phone walking around the city.

For Migrants

Receive payments and send money home from anywhere in the world.

This is how
Payphone works.

Learn how to accept card payments ​with your phone. No card readers, ​no hassle.​

See more tutorials

Scan the QR

Icono de reproducción de videoFemale entrepreneurs feel safe and confident to be able to charge from the Payphone app.

How to accept payments with Payphone?

Accept card payments by sending a payment link through any channel. All from your phone, no card readers, no hassle.

Icono de reproducción de videoPerson receiving a Mastercard payment through the Payphone TAP app.

How to accept contactless payments with just your phone?

Turn your phone into a card reader and accept payments by simply tapping your client’s card on the back of your phone. No POS device, no bank account, no hassle.

Icono de reproducción de videoWoman holds her smartphone while making a payment through Payphone.

How Payphone works?

Accept card payments, transfer your balance for free, and pay other users at no cost. All in one app, with no banks or hidden fees.

Icono de reproducción de videoMan pays his friend with the Payphone app.

How to pay with Payphone?

Pay in seconds using your balance or a saved card. Send money to your home country, scan a QR code, or pay other Payphone users for free.

Icono de reproducción de videoA man downloads the Payphone app on his smartphone.

How to download Payphone?

Download the app, sign up with your phone number, and start accepting payments or paying instantly from your phone. No banks, no paperwork, no hassle.

Icono de reproducción de videoA woman uses her smartphone to sign up for the Payphone app.

How to sign up for Payphone?

Create your Payphone account in minutes directly from the app. All you need is your phone number and ID. That’s it.

Icono de reproducción de videoTwo friends transfer money to each other through the Payphone app.

How to pay another person?

Send money to another person using just their phone number or by scanning their QR code. No fees, no waiting, no hassle.

Icono de reproducción de videoWoman holds her Mastercard Payphone card in Paris to make her payment at the coffee shop.

How to order your Payphone Mastercard?

Order your card for home delivery directly from the app. Activate it and use it anywhere in the world where Mastercard is accepted. No fees, no paperwork.

Icono de reproducción de videoYoung man holds his Mastercard Payphone card while learning how to activate it in the app.

How to activate your Payphone Mastercard?

Activate your Payphone Mastercard in seconds from the app and start using your balance anywhere in the world.

Icono de reproducción de videoEntrepreneur uses her laptop to manage her business on Payphone Business.

How to accept payments with Payphone Business?

Accept card payments in your physical store or online. Use payment links, QR codes, or web checkout buttons. All from your Payphone Business dashboard.

Sell more. Get paid simply.

No banks,
Just Payphone.

Receiving card payments used to be hard. Now, anyone can do it—right from their phone.​

Different people using the Payphone app to accept card payments from their phones.

More card payments, less hassle

Accept payments from your phone without a card reader.

No subscriptions. No hidden fees.​

Just one flat 5% fee, only ​when  you get paid.

Accept card payments ​ from anywhere

Get paid in person or remotely ​with a payment link or QR code.

Sign up in minutes

No lines, no paperwork, no stress. ​Just your phone number and ID.

Your money, safe and always with you​

We protect your earnings with industry-leading security and tech.

Get your money in seconds

Get paid instantly in your Payphone balance.

Hands taking a Mastercard payment with just a phone and the Payphone app.

Turn your
Android into
a card reader

Accept contactless Visa and Mastercard payments with Tap to Phone.
No extra hardware required!

Do it with Payphone Personal TAP.

Learn more

Scan the QR

Turn your Android
into a card reader!

Accept Visa and Mastercard ​contactless payments with Tap to Phone. No extra hardware needed!

Do it with Payphone Personal TAP.

Learn more

Download the app

Manos realizando un cobro con tarjeta Mastercard desde un celular con la app Payphone.
Hands taking a Mastercard payment with just a phone and the Payphone app.
Woman charging with a card at a bar from her cell phone using the Payphone app.
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Have questions?​

FAQs.

Find answers about security, fees, and bank compatibility.

Is Payphone safe to use?

Yes. At Payphone, your information is encrypted and protected at all times.

In addition, Payphone is PCI DSS 4.0 certified (unique in LATAM) and complies with data protection regulations.

Learn more

What are the fees?

When accepting card payments, you pay a flat 5% fee + VAT on the transaction amount. No hidden fees.

Transfers between Payphone users are free.

Learn more

How does Payphone work?

With Payphone, you can send and receive payment using Mastercard, Visa, Diners, and Discover cards directly from the app or by integrating the Payphone checkout into your online store.

Learn more

Which banks are compatible?

You can receive payments from any bank in the world using Visa, Mastercard, Diners, and Discover cards.

*Not available with the TAP feature.

Learn more

Do I need a card reader?

Never! With Payphone, your Android phone becomes a card reader so you can accept payments directly from the app using the TAP feature.

You can also accept payments using payment links or by integrating the Payphone checkout button into your website.

Learn more

Your next payment starts here.

Create your account and start getting paid today. No bank account, hardware, or waiting required.

Download the app

Scan the QR

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© 2026 Payphone