Pago46 is a San Diego-based company that provides mobile payment alternatives to consumers without bank accounts. Their smartphone application connects collection agents with users who need to pay with cash for digital goods and services. Through this on-demand service, unbanked consumers can arrange cash payments with digital merchants. Pago46 operates in Latin America and connects users with global merchants through a mobile network of agents, making it easy to collect and process cash payments. Collection agents use Pago46's services to collect cash from users and earn additional income. Founded in 2014, Pago46 is based in Santiago, Chile and develops mobile-based applications for creating a virtual marketplace of goods and services.