Local payment methods
Make room for the payment methods customers already open their bank apps to use.
Account-to-account transfers and QR codes approved in the payer’s own online banking or app, plus Wallet Fri in Guatemala. No card data to collect, and every final status arrives by signed webhook.
- Pix · PSE · Debin · ETPAY
- QR where it is offered and Wallet Fri
- One integration for every method
Pix · PSE · Debin · ETPAY- Pix · PSE
- Account-to-account payments in Brazil and Colombia
- Pix · SPEI
- Local payment rails, real time, 24/7
- Debin · ETPAY
- Bank payments in Argentina and Chile
- Wallet Fri
- Wallet payments in Guatemala
Why Localpayment
Let more buyers pay, with no card required
The methods people already use
Pix, PSE, Debin, ETPAY, QR and Wallet Fri, approved in the payer’s own banking or wallet app.
No card data to collect
Payers approve outside your checkout, so no card data touches your systems.
One integration for every method
Every method uses the same request: change the method, country and currency, and the rest stays the same.
Reconciled like everything else
We track the wait and notify you once with a signed final status, in one report format alongside cards and virtual accounts.
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
Methods
A2A, QR and wallet rails, market by market
Each method follows local rules and limits. Your integration stays the same.
A2A
- br
- co
- ar
- cl
Pix in Brazil, PSE in Colombia, Debin in Argentina and ETPAY in Chile. The payer approves with their own bank.
A2A —QR
- ar
- bo
- gt
- pe
QR codes in Argentina, Bolivia, Guatemala (QR Fri) and Peru. The payer scans and approves in their banking or wallet app.
QR —Wallets
- gt
Wallet Fri in Guatemala. The payer gets a push notification in the Wallet Fri app and authorizes the payment there; the final status arrives by webhook.
Wallets —
br
co
ar
cl
bo
gt
peUse cases
Where local methods make the difference
E-commerce & marketplaces
Offer Pix, PSE and QR next to cards so more buyers can pay the way they prefer.
E-commerce & marketplaces —Digital goods & gaming
Fast confirmation for top-ups and in-game purchases, with no card needed.
Digital goods & gaming —Fintech & wallets
Let users top up their balance from their bank app, in seconds on real-time rails such as Pix.
Fintech & wallets —Travel
Collect bookings in local currency with bank-native methods.
Travel —
How it works
Four steps, one endpoint
- 01
Create the payin
Call POST /api/payin/ and choose the method code — for example 1314 for Pix or 1936 for PSE.
- 02
Show the QR or redirect
Display the QR code or payment instructions, or send the payer to the bank flow for PSE.
- 03
The payer approves
Approval happens in the payer’s own online banking or app. No card data touches your checkout.
- 04
Status by webhook
The final status arrives asynchronously, signed with HMAC-SHA256.
Directory
Local methods by country
A2A and QR methods, plus Wallet Fri, documented today.
Argentina
- Local methods
- QR · Debin
Bolivia
- Local methods
- QR
Brazil
- Local methods
- Pix
Chile
- Local methods
- ETPAY
Colombia
- Local methods
- PSE
Guatemala
- Local methods
- QR Fri · Wallet Fri
Peru
- Local methods
- QR
Source: country guides at docs.localpayment.com. In Colombia, Bre-B is collected through virtual accounts (Bre-B key). Availability is confirmed for each merchant during onboarding.
Operations
Asynchronous by design, reconciled like everything else
Local methods confirm when the payer approves, not when you send the request. We track the wait and notify you once, with a signed final status.
- Signed webhooks with X-Signature: HMAC-SHA256
- Cancel pending payments before the payer approves
- Refunds for APM payments
- One report format alongside cards and virtual accounts
- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }API playground
Dynamic Pix from one payin
POST /api/payin/ with code 1314 returns a dynamic QR and Copia e Cola payload. Enter shows 100 INPROGRESS, then the webhook.
The 80/20 bar is an illustrative storyboard allocation.
Illustrative balances
- USD25,000.00
- ARS250,000.00
- BRL184,200.00
- MXN310,500.00
Balances move only inside this demo, by the sample amounts.
us
pa
svUSD in this demo: United States, Panama, Peru and El Salvador.
POST /api/payin/
Authorization: Bearer <DEMO_TOKEN>
DEMO · Nothing is sent. This demo never calls Stage or Production.
POST /api/payin/
The simulated response appears here
For developers
Add PSE with the same request
Change the country, currency and paymentMethod.code — the rest of the request stays the same. PSE uses a redirect flow, and the response includes the URL of the payer’s bank portal.
- Pix 1314 · PSE 1936 · every method selected by its code
- Get Available Payment Methods to build a dynamic checkout
- Cancel pending payments or refund through the API
# Illustrative — PSE (Colombia), fields simplified; see docs.localpayment.com curl -X POST https://api.stage.localpayment.com/api/payin/ \ -H "Authorization: Bearer $ACCESS_TOKEN" \ -H "Content-Type: application/json" \ -d '{ "paymentMethod": { "type": "BankTransfer", "code": "1936", "flow": "REDIRECT" }, "externalId": "c2b8e6d4-0000-4000-8000-000000000019", "country": "COL", "currency": "COP", "amount": 350000, "accountNumber": "<your-account-number>", "conceptCode": "0001", "merchant": { "type": "COMPANY", "name": "Comercio Ejemplo S.A.S.", "merchantId": "<your-merchant-id>" }, "payer": { "type": "INDIVIDUAL", "name": "Camila", "lastname": "Rojas", "document": { "type": "CC", "id": "1000000000" }, "email": "camila.rojas@example.com" } }'
// Illustrative — PSE (Colombia), fields simplified; see docs.localpayment.com const res = await fetch('https://api.stage.localpayment.com/api/payin/', { method: 'POST', headers: { Authorization: `Bearer ${accessToken}`, // from POST /api/token/ 'Content-Type': 'application/json', }, body: JSON.stringify({ paymentMethod: { type: 'BankTransfer', code: '1936', flow: 'REDIRECT' }, // PSE · Colombia externalId: crypto.randomUUID(), country: 'COL', currency: 'COP', amount: 350000, accountNumber: process.env.LP_ACCOUNT_NUMBER, conceptCode: '0001', merchant: { type: 'COMPANY', name: 'Comercio Ejemplo S.A.S.', merchantId: process.env.LP_MERCHANT_ID }, payer: { type: 'INDIVIDUAL', name: 'Camila', lastname: 'Rojas', document: { type: 'CC', id: '1000000000' }, email: 'camila.rojas@example.com', }, }), }); const payin = await res.json(); // Redirect the payer to payin.redirectUrl; the final status arrives by webhook.
Frequently asked questions
What is an APM?
Alternative payment methods are local bank-native rails — instant bank transfers, QR schemes and account-to-account flows. The payer completes the payment in their own banking or wallet app, without entering card data.
How fast are payments confirmed?
Pix confirms in seconds, 24/7. APMs are asynchronous: the payer approves outside your checkout, and every final status arrives by webhook.
Can I cancel or refund an APM payment?
Yes. Pending payments can be canceled before the payer approves, and completed APM payments can be refunded.
How long is a Debin request valid?
Debin requests in Argentina expire after two days if the payer doesn’t approve them.
Do I need a new integration for each method?
No. Every method uses the same Create Payin endpoint; you change the method code, country and currency.
How does a payer complete an APM payment?
Depending on the method, they are redirected to their bank (PSE), scan a QR code, or approve a request in their banking or Wallet Fri app. The checkout experiences page shows each flow screen by screen.
In which currency is the payment made?
In the local currency of each country — for example BRL for Pix, COP for PSE and CLP for ETPAY — and credited to your Localpayment account in your settlement currency.
Also on the same API
Payins
Cards, virtual accounts, local methods and subscriptions through one Create Payin endpoint.
Payins —Virtual accounts
A dedicated local account number for every customer or invoice.
Virtual accounts —Payouts
Paying out to wallets? Send funds to Yape, SINPE Móvil, CCE wallets and more.
Payouts —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 —
Offer the methods Latin America prefers
Map the right local methods for each of your markets with our payments team.