CBPay

Financial Services86% confidence

CBPay is a financial technology company that provides digital wallets, crypto (USDT/Bitcoin) on‑ramp/off‑ramp, and cross‑border payment infrastructure across Latin America, the U.S., and Europe.

Miami, FL, United States
cbpayapp.com
Owned by Grupo CB LLC

About CBPay

CBPay is a fintech platform that lets individuals and businesses hold, convert, and move money globally using a mix of local currencies, digital dollars (USDT), and Bitcoin. Through its mobile app and business APIs, users can top up in local currency, convert to digital assets, send international transfers, and pay merchants via QR codes, virtual cards, or corporate cards. CBPay operates in multiple Latin American countries, including Bolivia, and connects to traditional rails such as SEPA, SWIFT, and local payment systems while using stablecoins for settlement through its CBPay Business offering.

A charge labeled “CBPAY CS SANTA CRUZ BO” on a Visa statement most likely comes from a payment processed via the CBPay ecosystem in Santa Cruz, Bolivia—such as scanning a CBPay QR at a local merchant, paying an invoice or payment link, or using a card or virtual card issued through CBPay. In some cases, CBPay may appear as the merchant of record even though the underlying purchase was with a specific store, freelancer, or online seller that uses CBPay for collection. The amount may correspond to a one‑time purchase, a wallet top‑up, a crypto purchase (USDT/Bitcoin) with local currency, or a withdrawal/fee associated with moving funds out of the CBPay ecosystem.

If you do not immediately recognize the charge, first review your CBPay app (or any CBPay Business account) for recent payments, cash‑outs, or QR transactions around that date. Check email or in‑app receipts tied to CBPay payment links or merchant QR codes. For questions or disputes, you can contact CBPay via their official support channels and website, providing the transaction date, amount, and the descriptor as shown on your card statement. If the charge still appears unfamiliar after checking your CBPay activity and contacting support, you should report it to your card issuer for investigation and potential dispute or card replacement.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to CBPay.

  1. CBPAY CS SANTA CRUZ BO 46050014

Frequently Asked Questions

Why do I see a charge from “CBPAY CS SANTA CRUZ BO” on my card statement?

This descriptor typically indicates a transaction processed through CBPay in Santa Cruz, Bolivia—such as paying a merchant via CBPay QR, using a CBPay‑issued card, or completing a payment link. The underlying purchase may have been at a local store, restaurant, or service provider that uses CBPay to collect payments, so the processor name "CBPay" appears on your bank statement instead of the individual merchant name.

What types of transactions commonly post as CBPay charges in Bolivia?

Common CBPay charges include wallet top‑ups in local currency, purchases made by scanning a CBPay QR code at a merchant, payments made via CBPay payment links, and withdrawals or cash‑outs from digital dollars (USDT) or Bitcoin to a local bank account. For business users, CBPay Business payouts and corporate card purchases can also appear as CBPay charges on your card or bank statement.

How can I confirm which CBPay transaction matches the charge I see on my Visa statement?

Open the CBPay app (or your CBPay Business dashboard) and review your transaction history for the date and amount shown on your card statement. Match the currency, time, and description to identify whether it was a QR payment, card purchase, wallet top‑up, or withdrawal. You can also review any email or in‑app receipts associated with that transaction to confirm the merchant and details.

Does CBPay charge additional fees that might appear as separate small transactions?

Yes. According to CBPay’s transparency information, the platform may charge a “Fee de Persona” when withdrawing money from the CBPay ecosystem and a “Fee de Empresa” when paying for goods or services within the ecosystem. These fees can appear as separate line items or be included in the total transaction amount, depending on the operation and local partner bank or processor. Review the fee section in the app or on CBPay’s transparency page for current details.

Can CBPay place temporary authorization holds or pending charges on my card?

In some cases, when you link a card or initiate certain operations, your bank may show a small temporary authorization or a pending CBPay charge while the transaction is being processed. These holds typically drop off automatically within a few days once the final amount is settled or if the transaction is not completed. If a pending CBPay amount remains for an extended period, contact your bank and CBPay support with the transaction reference.

How do I contact CBPay if I have a question or dispute about a charge?

You can reach CBPay via the support options listed on their official website, cbpayapp.com, where there is a contact form and support email (such as hola@cbpayapp.com) for user inquiries. When contacting them, include the last four digits of your card, the exact transaction amount, the date, and the descriptor (e.g., “CBPAY CS SANTA CRUZ BO”) so they can trace the payment in their system.

Is CBPay a bank, and how are my funds handled when I transact through them?

CBPay states that it is a financial technology company rather than a bank; banking and custody services are provided through regulated partners and exchanges. User funds in local currency and digital assets (such as USDT and Bitcoin) are handled via these partners and integrated exchanges, while CBPay provides the app, wallet interface, and payment rails. For details on regulatory entities and licenses, you can review the transparency or legal sections on cbpayapp.com.

How can I avoid unrecognized CBPay charges in the future?

To avoid confusion, keep your CBPay app secured with strong authentication, do not share QR codes or payment links you don’t recognize, and review payment details before confirming any transaction. Regularly check your in‑app history after making purchases or withdrawals so you know what amounts to expect on your bank or card statement. If your phone or card is lost or compromised, immediately lock your CBPay access and notify your bank or card issuer.

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