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Guatemala · Pay-ins & payouts

QR and wallet payments in Guatemala

Collect in quetzales with QR Fri, Wallet Fri and Akisi referenced payments, and pay out to Guatemalan bank accounts over IFT and ACH.

Contact salesGuatemala API docs
  • QR Fri · Wallet Fri · IFT
  • Currency: GTQ
  • Registered
Pay-ins
QR Fri
Pay-ins
Wallet Fri
Payouts
GTQ
Registered with
SAT

Market snapshot

Guatemala in figures

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

Market overview

QR and wallets in quetzales

In Guatemala, Localpayment collects in quetzales (GTQ) through the Fri QR and wallet ecosystem and Akisi referenced payments, and pays out to bank accounts over IFT and ACH. Localpayment is registered for pay-in and pay-out with the Superintendency of Tax Administration (SAT).

  • QR Fri and Wallet Fri from GTQ 1 to 10,000
  • Akisi referenced payments from GTQ 20 to 7,500
  • IFT payouts up to GTQ 20,000, T+1
  • ACH payouts above GTQ 20,000, T+1
Compare all payment methods

Checkout experience

How customers pay in Guatemala

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

QR Fri (SoyFri)

  1. 1Comercio EjemploThe customer picks QR Fri (SoyFri) to pay GTQ 2,000.
  2. 2QR Fri (SoyFri)A QR code (or a copy-and-paste code) is shown to the payer.
  3. 3Banco EjemploThe payer reviews GTQ 2,000 and approves in their bank or wallet app.
  4. 4Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Guatemala

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

  • QR Fri (SoyFri)

    Type
    QR
    Code
    1870
    Limits
    GTQ 1 – 10,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    The payer approves the payment in their bank or wallet app

  • Wallet Fri

    Type
    Wallet
    Code
    1880
    Limits
    GTQ 1 – 10,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    —

  • Akisi referenced payments

    Type
    Referenced payment
    Code
    1811
    Limits
    GTQ 20 – 7,500
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Online payment with a reference number

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 Guatemala

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

  • Bank transfer (IFT)

    Type
    Bank transfer
    Code
    0110
    Speed / cut-off
    T+1 (next business day), cut-off 12:00 local time
    Limits
    GTQ 1 – 20,000
    Notes
    —

  • Bank transfer (ACH)

    Type
    Bank transfer
    Code
    0110
    Speed / cut-off
    T+1 (next business day), cut-off 12:00 local time
    Limits
    Above GTQ 20,000
    Notes
    —

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

License & regulation

Guatemala: registered presence

Pay-in and Pay-out — Superintendency of Tax Administration (SAT). 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: NIT, CUI
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Guatemala

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 GTM · currency GTQ
  • Rail: Bank transfer (IFT) · code 0110
  • Final status by HMAC-signed webhook
Guatemala guide in the docs
# Illustrative request with simplified fields — see the Guatemala 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-gt-000184",
    "country": "GTM",
    "currency": "GTQ",
    "amount": 2000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0110",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Sofía",
      "lastname": "López",
      "document": { "type": "NIT", "id": "0000000-0" },
      "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 Guatemala?

Pay-ins: QR Fri (SoyFri), Wallet Fri and Akisi referenced payments. Payouts: Bank transfer (IFT) and Bank transfer (ACH). The tables above show codes, limits and speeds.

Which pay-in methods are available in Guatemala?

QR Fri, Wallet Fri and Akisi referenced online payments, all confirmed by webhook.

How do payouts work in Guatemala?

Transfers up to GTQ 20,000 go over IFT and larger amounts over ACH; both settle T+1.

Which documents does the API accept?

NIT and CUI.

How do I go live in Guatemala?

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 Guatemala

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

How can we help?

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