Payment methods
The right payment method depends on the market and the direction of funds
Filter by country, pay-ins or payouts, then see the method and integration path available for that flow.
Why local methods matter
In Latin America, people pay with local rails, not just cards
Instant transfers, bank redirects, QR codes and wallets sit next to cards in most markets, and each country runs its own scheme. Localpayment connects to these rails through one API: you collect and send money in local currency, receive a signed webhook for every status change, and add markets by configuration. This directory lists only the methods we document, with their flow, codes and limits.
- Pay-ins: virtual accounts, cards, bank transfers and redirects, QR, and Wallet Fri in Guatemala
- Payouts: real-time and next-business-day bank rails, plus wallets
- One API, signed webhooks and reconciliation across all of them
The directory
Choose a payment method
Filter by pay-in, payout or both. Each card shows the countries where the method is available.
- Both🇧🇷 Brazil
Pix
QR and Copia e Cola pay-ins, Pix-key virtual accounts and real-time Pix payouts in Brazil.
- Both🇲🇽 Mexico
SPEI
CLABE virtual accounts over SPEI, TEF-In, USD collections over SPID and real-time SPEI payouts in Mexico.
- Pay-in🇨🇴 Colombia
PSE
Bank-redirect pay-ins in Colombia: the payer approves in online banking, with a documented limit of up to COP 788,800,000.
- Both🇨🇴 Colombia
Bre-B
Virtual accounts identified by a Bre-B key and real-time Bre-B key payouts in Colombia.
- Payout🇨🇴 Colombia
TransfiYa
Real-time TransfiYa payouts in Colombia, up to COP 50,000,000.
- Both🇦🇷 Argentina
CVU & COELSA
CVU virtual accounts, CVU with payment intent and real-time COELSA payouts to CBU and CVU in Argentina.
- Pay-in🇦🇷 Argentina
Debin
Argentine pay-in by debit request that the payer approves from their bank.
- Pay-in🇦🇷 Argentina · 🇧🇴 Bolivia · 🇬🇹 Guatemala · 🇵🇪 Peru
QR
QR pay-ins in Argentina, Bolivia, Peru and Guatemala (QR Fri), approved in the payer’s bank or wallet app.
- Pay-in🇨🇱 Chile
ETPAY
Account-to-account pay-ins in Chile, approved by the payer in their bank or wallet app.
- Both🇨🇱 Chile
TEF
TEF-In virtual accounts up to CLP 100,000,000 and TEF payouts in real time up to CLP 7,000,000, plus a same-day high-value route.
- Both🇵🇪 Peru
CCI
CCI virtual accounts in PEN and USD, plus CCE, LBTR and direct wallet payouts in Peru.
- Payout🇧🇴 Bolivia
Yape
Direct Yape wallet payouts in Bolivia, Tigo Money via bank transfer and SCP transfers.
- Both🇨🇷 Costa Rica
SINPE
IBAN virtual accounts in CRC and USD, SINPE bank payouts and real-time SINPE Móvil wallet payouts in Costa Rica.
- Pay-in🇦🇷 Argentina · 🇨🇴 Colombia · 🇲🇽 Mexico · 🇵🇪 Peru
Cards
Credit and debit cards in Argentina, Colombia, Mexico and Peru: Visa and Mastercard, plus Amex, Diners, Naranja and Cabal (AR) and Amex and Diners (CO).
- Payout🇵🇾 Paraguay
SIPAP
Bank-transfer payouts in Paraguay over SIPAP: real-time up to PYG 5,000,000 and a high-value flow above it.
- Payout🇵🇦 Panama · 🇩🇴 Dominican Republic · 🇸🇻 El Salvador · 🇭🇳 Honduras · 🇬🇹 Guatemala · 🇨🇴 Colombia
ACH
ACH bank-transfer payouts in Panama, Dominican Republic, El Salvador, Honduras (ACH Pronto), Guatemala and Colombia.
Instant payments
Instant payments across Latin America
Transactions per year on each country’s instant rail, from central-bank data. Every figure links to its source.
- Brazil — Pix79.8 billion
Source: Banco Central do Brasil, Relatório de Gestão do Pix 2023-2025
- Argentina — Transferencias 3.0 and interoperable QR (PCT)7,478 million
- Mexico — SPEI (with CoDi and DiMo)5,342 million
Source: Banco de México, Informe anual sobre las infraestructuras de los mercados financieros 2024
- Costa Rica — SINPE Móvil650 million
- Paraguay — SPI (Sistema de Pagos Instantáneos)170 million
- Guatemala — Instant credit transfers (ACH)121.5 million
Source: Banco de Guatemala, Operaciones liquidadas en quetzales en el Sistema LBTR, 2021–2026, 2025
- El Salvador — Transfer36555.7 million
Source: BCR, Informe de Labores 2025 (as reported by Infobae, 15 June 2026)
- Dominican Republic — Pagos al Instante BCRD43.3 million
Source: BCRD, Boletín de Estadísticas Sistemas de Pago, diciembre 2025
- Honduras — ACH PRONTO29.65 million
Source: BCH, Informe de Vigilancia de los Sistemas de Pago 2025
Logarithmic scale: volumes span more than three orders of magnitude.
Methods by country
Which methods in which countries
One row per country, with the documented pay-in and payout methods that have their own page. For every method per country, see the coverage directory.
🇦🇷 Argentina
- Pay-in
- CVU & COELSA, Debin, QR, Cards
- Payout
- CVU & COELSA
🇧🇴 Bolivia
- Pay-in
- QR
- Payout
- Yape
🇧🇷 Brazil
- Pay-in
- Pix
- Payout
- Pix
🇨🇱 Chile
- Pay-in
- ETPAY, TEF
- Payout
- TEF
🇨🇴 Colombia
- Pay-in
- PSE, Bre-B, Cards
- Payout
- Bre-B, TransfiYa, ACH
🇨🇷 Costa Rica
- Pay-in
- SINPE
- Payout
- SINPE
🇩🇴 Dominican Republic
- Pay-in
- —
- Payout
- ACH
🇸🇻 El Salvador
- Pay-in
- —
- Payout
- ACH
🇬🇹 Guatemala
- Pay-in
- QR
- Payout
- ACH
🇭🇳 Honduras
- Pay-in
- —
- Payout
- ACH
🇲🇽 Mexico
- Pay-in
- SPEI, Cards
- Payout
- SPEI
🇵🇦 Panama
- Pay-in
- —
- Payout
- ACH
🇵🇾 Paraguay
- Pay-in
- —
- Payout
- SIPAP
🇵🇪 Peru
- Pay-in
- QR, CCI, Cards
- Payout
- CCI
Coverage, limits and availability can change. Confirm with your account manager.
FAQ
Payment methods: frequently asked questions
Do I integrate each payment method separately?
No. Pay-ins use one Create Payin call (POST /api/payin/) and payouts use one Create Payout call (POST /api/payout/). The payment method is a parameter, so you add methods and markets by configuration, not reintegration.
How do I know a payment was completed?
Virtual accounts and local payment methods (APMs) are asynchronous: the final status reaches your endpoint through a webhook signed with HMAC-SHA256. Card authorization is real-time.
Which methods are available in my country?
It depends on the country. Use the table above or the coverage directory, which are built from our documentation, and talk to sales to confirm availability for your business.
Can I test before going live?
Yes. You start with Stage (sandbox) credentials at the beginning of the partnership; production requires completed testing, a security review and business verification.
Not sure which methods fit your markets?
Tell us where you sell and how you pay. We will map the right pay-in and payout methods.