{
  "_comment": "Public knowledge & citation endpoint for PagoDirect (https://pago.direct/knowledge.json). Source of truth for the knowledge architecture; validated by `npm run audit:knowledge`. Only verified public information. Reviewer 'UNASSIGNED' means a named business expert has not yet signed off — such entries stay at status fact-checked (live, sourced, but pending expert sign-off); the audit FAILS if anything is marked published without a named reviewer.",
  "publisher": {
    "name": "PagoDirect",
    "legalName": "PagoDirect by Advancio",
    "url": "https://pago.direct",
    "entityId": "https://pago.direct/#organization"
  },
  "updated": "2026-08-14",
  "statuses": [
    "drafted",
    "fact-checked",
    "expert-reviewed",
    "published",
    "needs-update",
    "retired"
  ],
  "items": [
    {
      "id": "kn-glossary",
      "type": "glossary",
      "title": "Cross-Border Contractor Payments Glossary",
      "canonicalUrl": "https://pago.direct/glossary.html",
      "summary": "14 plain-English definitions of cross-border payment terms (SPEI, CLABE, FX spread, KYC, RFC, Cédula, and more) with stable per-term anchors.",
      "status": "fact-checked",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "datePublished": "2026-08-14",
      "dateModified": "2026-08-14",
      "dateVerified": "2026-08-14",
      "sources": [
        {
          "name": "Banco de México (SPEI, CLABE)",
          "url": "https://www.banxico.org.mx"
        },
        {
          "name": "Registraduría Nacional de Colombia (Cédula)",
          "url": "https://www.registraduria.gov.co"
        },
        {
          "name": "SAT México (RFC)",
          "url": "https://www.sat.gob.mx"
        }
      ],
      "methodology": "Definitions restate public institutional facts in plain English; PagoDirect-specific context links to the relevant service pages.",
      "limitations": "Educational reference, not legal or tax advice.",
      "geography": [
        "Mexico",
        "Colombia",
        "United States"
      ],
      "audience": "Companies paying international contractors; contractors receiving payments",
      "relatedServices": [
        "https://pago.direct/mexico.html",
        "https://pago.direct/colombia.html"
      ],
      "relatedEntities": [
        "https://pago.direct/#organization"
      ],
      "citationText": "Cross-Border Contractor Payments Glossary, PagoDirect, 2026, https://pago.direct/glossary.html"
    },
    {
      "id": "kn-cost-calculator",
      "type": "tool",
      "title": "Contractor Payment Cost Calculator",
      "canonicalUrl": "https://pago.direct/cost-calculator.html",
      "summary": "Free in-browser calculator estimating true annual contractor-payment cost from user-entered numbers: platform fees plus FX-spread cost. No signup; nothing stored.",
      "status": "fact-checked",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "datePublished": "2026-08-14",
      "dateModified": "2026-08-14",
      "dateVerified": "2026-08-14",
      "sources": [
        {
          "name": "PagoDirect published pricing",
          "url": "https://pago.direct/pricing.html"
        }
      ],
      "methodology": "Published on the page: platform fees = seats × fee × 12; FX cost = annual volume × user-entered spread; the only PagoDirect figures used are published prices. No competitor figures are asserted.",
      "limitations": "Published on the page: estimates only; excludes one-off wire/receiving fees; does not compare FX conversion between providers; not tax/compliance advice.",
      "geography": [
        "United States",
        "Mexico",
        "Colombia"
      ],
      "audience": "Companies evaluating contractor-payment platforms",
      "relatedServices": [
        "https://pago.direct/pricing.html",
        "https://pago.direct/early-access-payor.html"
      ],
      "relatedEntities": [
        "https://pago.direct/#organization"
      ],
      "citationText": "Contractor Payment Cost Calculator, PagoDirect, 2026, https://pago.direct/cost-calculator.html"
    },
    {
      "id": "kn-faq-pricing",
      "type": "faq-set",
      "title": "PagoDirect Pricing FAQ",
      "canonicalUrl": "https://pago.direct/pricing.html",
      "summary": "Answers on company pricing ($19.99/contractor/month), Early Access offer, payout delivery rails, and payment terminology.",
      "status": "fact-checked",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "datePublished": "2026-08-14",
      "dateModified": "2026-08-14",
      "dateVerified": "2026-08-14",
      "sources": [
        {
          "name": "PagoDirect published pricing",
          "url": "https://pago.direct/pricing.html"
        }
      ],
      "methodology": "Sourced only from published site copy; managed centrally in faqs.json with visibility-enforced FAQPage schema.",
      "limitations": "Early Access terms are date-sensitive (deadline September 1, 2026); freshness automation flags expiry.",
      "geography": [
        "United States",
        "Mexico",
        "Colombia"
      ],
      "audience": "Companies evaluating pricing",
      "relatedServices": [
        "https://pago.direct/pricing.html"
      ],
      "relatedEntities": [
        "https://pago.direct/#organization"
      ],
      "citationText": "PagoDirect Pricing FAQ, 2026, https://pago.direct/pricing.html"
    }
  ],
  "evidence": [
    {
      "id": "ev-spei-instant",
      "claim": "SPEI transfers between Mexican bank accounts settle in seconds and operate 24/7, including weekends and holidays.",
      "explanation": "SPEI (Sistema de Pagos Electrónicos Interbancarios) is operated by Banco de México, Mexico's central bank, and processes interbank transfers near-instantly around the clock.",
      "methodology": "Restatement of publicly documented characteristics of Mexico's central-bank payment system.",
      "sources": [
        {
          "name": "Banco de México",
          "url": "https://www.banxico.org.mx"
        }
      ],
      "dateVerified": "2026-08-14",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "scope": "Mexico domestic interbank transfers",
      "limitations": "Individual banks may impose their own limits or maintenance windows.",
      "citedOn": [
        "https://pago.direct/glossary.html#spei",
        "https://pago.direct/mexico.html"
      ],
      "status": "fact-checked",
      "supportSnippets": [
        "SPEI",
        "24/7"
      ]
    },
    {
      "id": "ev-clabe-format",
      "claim": "The CLABE is Mexico's standardized 18-digit interbank account number, including a check digit.",
      "explanation": "CLABE (Clave Bancaria Estandarizada) encodes bank, branch, and account, and is required for SPEI transfers.",
      "methodology": "Restatement of the publicly documented Mexican banking standard.",
      "sources": [
        {
          "name": "Banco de México",
          "url": "https://www.banxico.org.mx"
        }
      ],
      "dateVerified": "2026-08-14",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "scope": "Mexican bank accounts",
      "limitations": "None known.",
      "citedOn": [
        "https://pago.direct/glossary.html#clabe"
      ],
      "status": "fact-checked",
      "supportSnippets": [
        "CLABE",
        "18-digit"
      ]
    },
    {
      "id": "ev-pd-pricing",
      "claim": "PagoDirect company plans start at $19.99 per contractor per month; contractors pay no platform subscription fees; Early Access companies joining before September 1, 2026 pay $0 in per seat fees for 12 months.",
      "explanation": "PagoDirect's own published pricing.",
      "methodology": "First-party published fact; kept consistent across pricing page, entity.json, faqs.json, and structured data by automated consistency checks.",
      "sources": [
        {
          "name": "PagoDirect pricing page",
          "url": "https://pago.direct/pricing.html"
        }
      ],
      "dateVerified": "2026-08-14",
      "author": "PagoDirect editorial (role; individual byline pending)",
      "reviewer": "UNASSIGNED",
      "scope": "PagoDirect pricing as of the verification date",
      "limitations": "Date-sensitive: the Early Access deadline expires September 1, 2026; automation flags the claim after that date.",
      "citedOn": [
        "https://pago.direct/pricing.html",
        "https://pago.direct/early-access-payor.html"
      ],
      "status": "fact-checked",
      "supportSnippets": [
        "$19.99",
        "September 1, 2026"
      ]
    }
  ],
  "topicGraph": {
    "_comment": "Explicit relationships. Nodes are canonical URLs or entity @ids; edges are typed.",
    "edges": [
      {
        "from": "https://pago.direct/#organization",
        "rel": "offersService",
        "to": "https://pago.direct/mexico.html#service"
      },
      {
        "from": "https://pago.direct/#organization",
        "rel": "offersService",
        "to": "https://pago.direct/colombia.html#service"
      },
      {
        "from": "https://pago.direct/#organization",
        "rel": "publishes",
        "to": "https://pago.direct/glossary.html"
      },
      {
        "from": "https://pago.direct/#organization",
        "rel": "publishes",
        "to": "https://pago.direct/cost-calculator.html"
      },
      {
        "from": "https://pago.direct/mexico.html#service",
        "rel": "usesPaymentRail",
        "to": "https://pago.direct/glossary.html#spei"
      },
      {
        "from": "https://pago.direct/mexico.html#service",
        "rel": "requiresIdentifier",
        "to": "https://pago.direct/glossary.html#clabe"
      },
      {
        "from": "https://pago.direct/mexico.html#service",
        "rel": "requiresIdentifier",
        "to": "https://pago.direct/glossary.html#rfc"
      },
      {
        "from": "https://pago.direct/colombia.html#service",
        "rel": "requiresIdentifier",
        "to": "https://pago.direct/glossary.html#cedula"
      },
      {
        "from": "https://pago.direct/cost-calculator.html",
        "rel": "explainsConcept",
        "to": "https://pago.direct/glossary.html#fx-spread"
      },
      {
        "from": "https://pago.direct/cost-calculator.html",
        "rel": "supportsDecisionFor",
        "to": "https://pago.direct/pricing.html"
      },
      {
        "from": "https://pago.direct/pricing.html",
        "rel": "convertsTo",
        "to": "https://pago.direct/early-access-payor.html"
      },
      {
        "from": "https://pago.direct/glossary.html",
        "rel": "linksToService",
        "to": "https://pago.direct/mexico.html"
      },
      {
        "from": "https://pago.direct/glossary.html",
        "rel": "linksToService",
        "to": "https://pago.direct/colombia.html"
      }
    ]
  }
}