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Chile · Pay-ins & payouts

Real-time TEF transfers in Chile, in and out, 24/7

Collect with TEF virtual accounts and ETPAY, and pay out over TEF in real time, 24/7 — with a same-day high-value flow for larger amounts.

Contact salesChile API docs
  • TEF · real-time rail
  • Currency: CLP
  • Registered
Real-time, 24/7
TEF
Pay-ins
ETPAY
Pay-ins over TEF
Virtual accounts
Registered with
UAF

Market snapshot

Chile in figures

Public, dated figures from official sources. Every number links to its source.

Market overview

Transfers first: TEF in and out

In Chile, Localpayment collects in pesos (CLP, no decimals) through TEF virtual accounts and ETPAY bank payments, and pays out over TEF. Per-bank pay-in limits are published in the docs. Localpayment is an Obligated Entity before the Financial Analysis Unit (UAF).

  • TEF virtual accounts from CLP 1 to 100,000,000, confirmed in real time
  • ETPAY bank payments from CLP 1 to 7,000,000
  • TEF payouts in real time, 24/7, up to CLP 7,000,000
  • Same-day high-value TEF payouts above CLP 7,000,000
Compare all payment methods

Checkout experience

How customers pay in Chile

Pick a payment method to watch the checkout, step by step. Screens and amounts are illustrative.

Virtual account (TEF-In)

  1. 1Comercio EjemploCheckout shows the account details to pay CLP 250,000.
  2. 2Banco EjemploThe payer transfers CLP 250,000 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Chile

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (TEF-In)

    Type
    Virtual account
    Code
    2550
    Limits
    CLP 1 – 100,000,000
    Confirmation
    Real-time, confirmed by webhook
    Notes
    Per-bank limits published in the docs

  • ETPAY

    Type
    Account-to-account
    Code
    2528
    Limits
    CLP 1 – 7,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    The payer approves the payment in their bank or wallet app

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Chile

Every documented rail, with speed, cut-off and limits.

  • Bank transfer (TEF)

    Type
    Bank transfer
    Code
    0050
    Speed / cut-off
    Real-time, 24/7
    Limits
    Up to CLP 7,000,000
    Notes
    —

  • TEF high-value

    Type
    Bank transfer
    Code
    0050
    Speed / cut-off
    Same day, cut-off 15:25 local time
    Limits
    Above CLP 7,000,000
    Notes
    —

  • Wallets

    Type
    Wallet
    Code
    —
    Speed / cut-off
    Via bank transfer
    Limits
    —
    Notes
    Credited to the beneficiary’s wallet through a bank transfer

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Chile: registered presence

Obligated Entity — Financial Analysis Unit (UAF). Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Registered
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: RUT
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Chile

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country CHL · currency CLP
  • Rail: Bank transfer (TEF) · code 0050
  • Final status by HMAC-signed webhook
Chile guide in the docs
# Illustrative request with simplified fields — see the Chile page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-cl-000184",
    "country": "CHL",
    "currency": "CLP",
    "amount": 250000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0050",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Tomás",
      "lastname": "Rojas",
      "document": { "type": "RUT", "id": "00.000.000-0" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Frequently asked questions

Which methods are available in Chile?

Pay-ins: Virtual account (TEF-In) and ETPAY. Payouts: Bank transfer (TEF), TEF high-value and Wallets. The tables above show codes, limits and speeds.

Are payouts real-time in Chile?

Yes. TEF payouts up to CLP 7,000,000 are real-time, 24/7. Larger amounts go through the high-value TEF flow and settle the same day.

How do TEF virtual accounts work?

Each customer gets a dedicated account number. Transfers to it are matched automatically and confirmed in real time by webhook.

Does CLP use decimals in the API?

No. Chilean peso amounts are sent with zero decimals.

How do I go live in Chile?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Related products

Launch in Chile

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

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