Cards
Accept card payments with a checkout flow built around the market.
Accept Visa and Mastercard in Argentina, Colombia, Mexico and Peru, plus American Express, Diners Club, Naranja and Cabal where documented. Tokenize cards on file, authenticate with 3D Secure, offer installments and manage chargebacks from one integration.
- Argentina · Colombia · Mexico · Peru
- Visa, Mastercard, Amex, Diners, Naranja, Cabal
- PEN and USD in Peru
Argentina · Colombia · Mexico · Peru- PCI DSS v4.0.1
- SOC 2 Type II
- ISO 27001
- AML/KYC
- TLS 1.2+ · AES-256
- Countries: Argentina, Colombia, Mexico and Peru
- 4
- Card brands: Visa, Mastercard, Amex, Diners, Naranja and Cabal
- 6
- In Colombia, Mexico and Peru
- 3D Secure
- In Colombia, Mexico and Peru
- Installments
Networks
International networks and the local schemes shoppers carry
Visa and Mastercard in all four markets, plus American Express, Naranja and Cabal in Argentina and American Express and Diners Club in Colombia, credit and debit.
Argentina
Credit: Visa, Mastercard, American Express, Naranja and Cabal. Debit: Visa Debit, Mastercard Debit and Cabal Debit.
Argentina —Colombia
Credit: Visa, Mastercard, American Express and Diners Club. Debit: Visa and Mastercard.
Colombia —Mexico
Credit and debit: Visa and Mastercard.
Mexico —Peru
Credit and debit: Visa and Mastercard, charged in PEN or USD.
Peru —
Market by market
What’s available in each country
Card features differ by market. This is what the documentation covers today.
Argentina
- One-time
- ✓
- Tokenization
- ✓
- Refunds
- ✓
- Chargebacks
- ✓
- 3DS
- —
- Installments
- —
- Subscriptions
- —
Colombia
- One-time
- ✓
- Tokenization
- ✓
- Refunds
- ✓
- Chargebacks
- ✓
- 3DS
- ✓
- Installments
- ✓
- Subscriptions
- ✓
Mexico
- One-time
- ✓
- Tokenization
- ✓
- Refunds
- ✓
- Chargebacks
- ✓
- 3DS
- ✓
- Installments
- ✓
- Subscriptions
- ✓
Peru
- One-time
- ✓
- Tokenization
- ✓
- Refunds
- ✓
- Chargebacks
- ✓
- 3DS
- ✓
- Installments
- ✓
- Subscriptions
- ✓
Source: docs.localpayment.com. Cards are not offered in Brazil — use Pix and Pix-key virtual accounts instead.
Capabilities
Everything card acceptance needs
Tokenization & card on file
Replace card data with a token for returning customers, faster repeat checkouts and subscriptions.
3D Secure
Strong customer authentication in Colombia, Mexico and Peru. When the issuer challenges, the API returns the challenge URL.
Installments
Quote an installment plan, let the customer choose and charge — on credit cards in local currency in Colombia, Mexico and Peru (PEN only).
Pre-authorization & capture
Authorize now and capture later, or release the hold if the order doesn’t go ahead. Availability by market is confirmed during onboarding.
Refunds
Refund card payments from the API or the Business Portal and download proof of payment.
Chargeback management
Receive chargeback webhooks and upload evidence through the API within the response window.
Risk
3D Secure, BIN allow-listing and chargeback management
Layered controls help you stop bad transactions before they become chargebacks.
3D Secure
Authenticate cardholders in Colombia, Mexico and Peru. When the issuer challenges, the API returns the challenge URL.
BIN allow-listing
Restrict acceptance to pre-approved BINs, managed by issuer and card type from the Business Portal.
Chargeback management
Get a webhook for every chargeback and upload evidence through the API or the Business Portal before the deadline.
PCI scope
Keep raw card data off your servers
Collect cards with Smart Fields, the embedded iframe or WebCheckout. Card data is captured in fields we host and turned into a token your backend sends with the payin.
- Smart Fields: hosted card fields inside your own UI, via a JS SDK
- Embedded iframe: a white-label checkout with reduced PCI scope
- WebCheckout and payment links: no code and minimal PCI scope
- TLS 1.2+ in transit, AES-256 at rest and AWS KMS key rotation
How it works
How a card payment flows
- 01
Capture
The customer enters card details in Smart Fields or a hosted checkout, or you reuse a stored token.
- 02
Authorize
Call POST /api/payin/ with paymentMethod.type CreditCard and the brand code for the country.
- 03
Authenticate if needed
If the issuer requests 3D Secure, redirect the customer to the challenge URL in the response.
- 04
Confirm
The result arrives in real time and by signed webhook, ready for fulfillment and reconciliation.
For developers
Charge a tokenized card
Send the token instead of card details, and reuse it for later charges.
- Brand codes per country — for example 1600 for Visa in Mexico
- Stage test cards for approvals, declines and 3D Secure
- Webhooks for approvals, refunds and chargebacks
# Illustrative — fields simplified; see docs.localpayment.com for the full contract
curl -X POST https://api.stage.localpayment.com/api/payin/ \
-H "Authorization: Bearer $ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"paymentMethod": { "type": "CreditCard", "code": "1600", "flow": "DIRECT" },
"externalId": "3f9a6c1e-0000-4000-8000-000000000042",
"country": "MEX",
"currency": "MXN",
"amount": 1250.00,
"accountNumber": "<your-account-number>",
"conceptCode": "0001",
"merchant": { "type": "COMPANY", "name": "Comercio Ejemplo S.A. de C.V." },
"payer": {
"type": "INDIVIDUAL",
"name": "Lucía",
"lastname": "Méndez",
"document": { "type": "RFC", "id": "XAXX010101000" },
"email": "lucia.mendez@example.com"
},
"card": { "token": "<card-token>" }
}'Use cases
Card programs by industry
E-commerce & marketplaces
Installments in Colombia, Mexico and Peru lift conversion on higher tickets.
E-commerce & marketplaces —SaaS
Tokenize once and bill subscriptions with configurable retries.
SaaS —Digital goods & streaming
One-click repeat purchases on stored tokens, with 3D Secure where available.
Digital goods & streaming —Travel
Accept local cards and domestic schemes that international acquiring misses.
Travel —
Frequently asked questions
Are cards available in Brazil?
No. Card acceptance covers Argentina, Colombia, Mexico and Peru. In Brazil, collect with Pix and Pix-key virtual accounts, which confirm in seconds, 24/7.
Which card brands can I accept?
Visa and Mastercard in all four markets, plus American Express, Naranja and Cabal in Argentina and American Express and Diners Club in Colombia. Debit cards are supported in all four markets.
Where are 3D Secure, installments and subscriptions available?
In Colombia, Mexico and Peru. Installments apply to credit cards in local currency, so in Peru they run on PEN payments only. In Argentina you can run one-time payments, tokenization, refunds and chargeback management.
How do chargebacks work?
You receive a chargeback webhook and can upload evidence through the API or the Business Portal before the deadline stated in the notification. If no evidence arrives in time, the dispute is usually resolved in the cardholder’s favor.
Can I test card flows before going live?
Yes. Stage provides test cards for approvals, declines, 3D Secure challenges and processing errors, with no real money involved.
How is card data protected?
Data is encrypted with TLS 1.2+ in transit and AES-256 at rest, with key rotation through AWS KMS. Smart Fields and hosted checkouts keep raw card data off your servers.
Can I store cards for later charges?
Yes. Tokenization is available in Argentina, Colombia, Mexico and Peru. You store the token, never the PAN, and charge it later for repeat purchases or subscriptions.
Which currencies do card payments use?
Cards are charged in the local currency of each market — ARS, COP and MXN — and in PEN or USD in Peru, then credited to your account in your settlement currency.
Also on the same API
Checkout
Hosted fields, iframe and no-code options that reduce your PCI scope.
Checkout —Recurring payments
Card subscriptions with configurable retries in Colombia, Mexico and Peru.
Recurring payments —Pay-ins
Add virtual accounts, QR and local methods next to cards with the same endpoint.
Pay-ins —Coverage
Licensed, registered or supervised presence in 18 countries and local rails in 14, country by country.
Coverage —Payment methods directory
Every documented method, with codes, limits and speed by country.
Payment methods directory —Checkout experiences
See what each payment method looks like to the payer, screen by screen.
Checkout experiences —Developer quickstart
Get a token, send your first request and receive a webhook on Stage.
Developer quickstart —
Accept cards the local way
Talk to our team about card acceptance in Argentina, Colombia, Mexico and Peru.