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.

Contact sales APM docs

Pix · PSE · Debin · ETPAY
QR in 4 countries and Wallet Fri
Same Create Payin endpoint

Coverage

Account-to-account payments in Brazil and Colombia: Pix · PSE
Countries with QR payments: Argentina, Bolivia, Guatemala and Peru: 4
Bank payments in Argentina and Chile: Debin · ETPAY
Wallet payments in Guatemala: Wallet Fri

Methods

A2A, QR and wallet rails, market by market

Each method follows local rules and limits. Your integration stays the same.

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.

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

Country	Local methods
Argentina	QR · Debin
Bolivia	QR
Brazil	Pix
Chile	ETPAY
Colombia	PSE
Guatemala	QR Fri · Wallet Fri
Peru	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

Webhooks for developers

webhooks · deliveries

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" } } }

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

Read the APM docs

# 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"
    }
  }'

Use cases

Where local methods make the difference

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.

Make room for the payment methods customers already open their bank apps to use.

A2A, QR and wallet rails, market by market

A2A

QR

Wallets

Four steps, one endpoint

Create the payin

Show the QR or redirect

The payer approves

Status by webhook

Local methods by country

Asynchronous by design, reconciled like everything else

Add PSE with the same request

Where local methods make the difference

E-commerce & marketplaces

Digital goods & gaming

Fintech & wallets

Travel

Frequently asked questions

Also on the same API

Pay-ins

Virtual accounts

Payouts

Payment methods directory

Checkout experiences

Developer quickstart

Offer the methods Latin America prefers

Download your copy