Fintech · Argentina
Opera Pay
Website for a payments infrastructure: cards, QR and split.
São Paulo · Buenos Aires · Ocean IT
Software for fintech and payments.
Checkout, split, reconciliation and dashboards for companies where real money moves every day. We work with fintech and payment companies in Buenos Aires and São Paulo.
What we deliver
Money that lands, reconciles and pays out.
01
Checkout and collection
Cards, bank transfer, Pix and payment links, with automatic retries and fraud checks inside the flow.
02
Split and payouts
Split by seller, store, franchise or reseller, with a statement that actually balances.
03
Reconciliation
Dashboards showing what came in, how much was fees, what was paid out and what is pending.
04
Acquirer integrations
Stripe, Mercado Pago, Pagar.me and APIs from banks, processors and digital wallets.
05
Onboarding and KYC
Sign-up, document upload, staged approval and an audit trail for every change.
06
Security and logging
Role-based permissions, a log for every operation, and all accounts and keys in your company name.
Projects
A few projects in production.
Fintech · Argentina
By Urbana
New website for a payments fintech.
Sales intelligence
IA Multiplica
Tracks every sale like e-commerce tracking tools, but shows who sold it and uses AI to tell you what to do.
See IA Multiplica →How it works
From the first message to launch.
Call
On WhatsApp or a short call: goal, deadline and references. No long forms.
Proposal
Scope, timeline and fixed price agreed before we start.
Design and build
Delivered in stages. You review and approve each one.
Launch and iterate
Publishing, Search Console, analytics and continuous improvement.
Why Ocean IT
Agency experience, product mindset.
Our own products in production
Five products of our own, such as Multiplica Fácil and IA Multiplica, used by clients every day.
São Paulo and Buenos Aires
Headquarters in Buenos Aires since 2020 and a Brazil base in São Paulo since 2022.
Short, clear deadlines
Landing page in up to 48 hours, automation in up to 72 hours, app MVP in about 14 days.
Production technology
Next.js, React, Flutter, Node, Supabase and AWS. No prototypes that break.
FAQ
What people usually ask.
Do you build software for fintech companies?
Yes. Checkout, payment split, reconciliation, KYC onboarding and dashboards for fintechs, PSPs and marketplaces. Two portfolio projects come from this space: PSP Opera Pay and By Urbana, an Argentine payments technology company.
Which payment providers do you integrate?
Stripe, Mercado Pago and Pagar.me, plus bank and processor APIs. If you already have an acquirer, we integrate with the one you use.
Can payments be split between sellers or stores?
Yes. Split by seller, store, franchise or reseller, with a statement per participant. It is the same commission engine that runs in Multiplica Fácil, our own product.
Do you issue PCI certification?
No, and be careful with anyone who says they do. What we do is design the flow so sensitive card data never touches your server: it stays with the already certified provider and your system only stores the token.
Where is your team based?
Buenos Aires since 2020 and São Paulo since 2022, which means US and European business hours overlap with ours. We work in English, Portuguese and Spanish.
Want to talk about your project?
Quick reply on WhatsApp, in English.
Where we work
Brazil · Argentina · United States · Spain · remote across Latin America
