About
Personal Pay is the e-wallet of Paraguayan mobile operator Personal, which replaced its earlier 'Billetera Personal' in 2024. Personal is run by Núcleo S.A., which was 67.5% owned by Telecom Argentina as of 2023. Its wallet arm, Personal Envíos S.A., was authorised by the Central Bank of Paraguay in 2015 as an electronic payment entity, and Banco Industrial holds customer funds. Users load cash at Pago Express, Aquí Pago, Practipago and Infonet outlets, then pay by QR, pay bills, top up airtime and send money to other wallets or, via SIPAP, to any bank.
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