Payouts
Get money to the people and businesses you need to pay.
Pay suppliers, sellers, contractors and customers through local bank and wallet rails, and track every payout from request to completion.
- Local rails in 14 countries
- Double-signature approvals
- Batch payouts in the Business Portal
Local rails in 14 countriesSeller payouts
Batch #2026-09-30-A
- BrazilPix · 486 payoutsR$ 412,380.00Paid
- MexicoSPEI · 302 payoutsMX$ 3,105,200.00Paid
- ArgentinaCBU / CVU · 214 payoutsARS 98,450,000Processing
- ColombiaACH · Bre-B · 128 payoutsCOP 1,240,500,000Processing
- ChileTEF · 74 payoutsCLP 186,320,000Queued
- PeruCCI · 44 payoutsS/ 312,400.00Queued
- Countries with local payout rails
- 14
- Countries with wallet payouts
- 9
- Real-time payout rails, all 24/7
- 9
- Built in and optional: a second user approves before funds move
- Double-signature approval
Controls
Controls your finance team will trust
Every payout runs through the same checks: who approved it, whether the destination is valid, and whether your balance can cover it.
Double-signature approval
Flag a payout with requireAuth and it waits until a second authorized user approves it — in the Business Portal or through the API.
Low balance alerts
Set a threshold per account and get notified before your balance runs short for upcoming payouts.
Proof of payment download
Download a proof of payment for each completed payout — from the portal or the API — and share it with the beneficiary.
Coverage
Local payout rails in 14 countries
Payouts travel over each country’s own clearing systems and instant-payment networks, in local currency.
Argentina
- Currency
- ARS
- Rails
- COELSA (CBU/CVU) · Payroll (Haberes)
- Speed
- Real-time 24/7 · T+2 for payroll
Bolivia
- Currency
- BOB
- Rails
- SCP · Yape (wallet)
- Speed
- Next business day · Same day
Brazil
- Currency
- BRL
- Rails
- Pix · TED
- Speed
- Real-time 24/7 · Same day / T+1
Chile
- Currency
- CLP
- Rails
- TEF · TEF high-value
- Speed
- Real-time 24/7 up to CLP 7,000,000 · Same day above
Colombia
- Currency
- COP
- Rails
- Bre-B · TransfiYa · ACH
- Speed
- Real-time 24/7 · Real-time 24/7 · Same day / T+1
Costa Rica
- Currency
- CRC
- Rails
- SINPE Móvil · SINPE
- Speed
- Real-time 24/7 · Same day / T+1
Dominican Republic
- Currency
- DOP
- Rails
- ACH · LBTR
- Speed
- T+1
El Salvador
- Currency
- USD
- Rails
- ACH
- Speed
- T+1
Guatemala
- Currency
- GTQ
- Rails
- IFT · ACH
- Speed
- T+1
Honduras
- Currency
- HNL
- Rails
- ACH Pronto
- Speed
- T+1
Mexico
- Currency
- MXN
- Rails
- SPEI
- Speed
- Real-time 24/7
Panama
- Currency
- USD
- Rails
- ACH
- Speed
- Same day / T+1
Paraguay
- Currency
- PYG
- Rails
- SIPAP · SIPAP high-value
- Speed
- Real-time 24/7, including high-value above PYG 5,000,000
Peru
- Currency
- PEN
- Rails
- CCE · LBTR · CCE wallet
- Speed
- Real-time 24/7 up to PEN 30,000 · Same day above · Real-time
Limits, cut-off times and bank holidays vary by rail and bank. See the country pages or the docs for current values.
Money flow
From your balance to the beneficiary
Create the payout, approve it, and follow every status until the credit is complete.
- 1
Your platformLocalpayment:
POST /api/payout/
Beneficiary, amount and country, one by one or in batches.
- 2
LocalpaymentYour platform:
Validation and approval
Data checks and, where configured, double-signature approval.
- 3
LocalpaymentLocal rail / bank:
Sent over the local rail
Bank transfer, Pix, SPEI, wallet or the rail of the country.
- 4
Local rail / bankBeneficiary:
Credit to the account
The beneficiary sees the funds in their account or wallet.
- 5
LocalpaymentYour platform:
Status webhook
Completed, rejected or returned: your system reconciles automatically.
Illustrative flow. Rails, cut-offs and limits vary by country; see the country pages.
Status flow
Full visibility, from request to completed
Each payout moves through clear states, and your systems are notified by signed webhook.
Pending authorization
Only when requireAuth is set: the payout waits for a second approver.
Received
The request passed validation and was accepted with your externalId.
Locked
The amount is reserved from your balance, so it can’t be spent twice.
In progress
The transfer is on the local rail. From here it can no longer be canceled.
Completed
Funds reached the beneficiary. Download the proof of payment.
Wallet payouts
Pay straight into the wallets people use
Many workers, sellers and customers in Latin America live in their mobile wallet. Pay them there — directly on wallet rails, or by bank transfer to the account behind the wallet. Wallet payouts are available in 9 countries: Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, El Salvador, Mexico and Peru.
- Direct to wallet: Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru
- Bank transfer to wallets: Argentina (CVU wallets), Bolivia (Tigo Money), Brazil, Chile, Colombia, El Salvador and Mexico
- Same API, statuses and webhooks as bank transfer payouts
Use cases
Built for platforms that pay many people
Marketplace seller payouts
Settle seller earnings in local currency, on the schedule you choose.
Marketplace seller payouts —Driver & courier earnings
Pay drivers and couriers daily or instantly on real-time rails.
Driver & courier earnings —Payroll & contractors
Pay employees and freelancers across the region from one balance.
Payroll & contractors —Remittances
Deliver cross-border transfers to bank accounts and wallets.
Remittances —Publishers & affiliates
Pay creators, publishers and affiliates in their own currency.
Publishers & affiliates —Wallet withdrawals
Let users cash out their balance to any local bank account.
Wallet withdrawals —
For developers
One endpoint, country-specific beneficiary fields
Create a payout with POST /api/payout/ — one request for every market, with beneficiary fields that depend on the country and the local rail chosen by payment method code. Authenticate with a Bearer token and follow each payout by signed webhook.
- Your own externalId on every payout; duplicates return HTTP 409
- requireAuth for double signature, approved via POST /api/payout/authorize
- Cancel with PATCH /api/payout/cancel; proof of payment via API
# Illustrative request — see docs.localpayment.com for the exact contract
curl -X POST https://api.stage.localpayment.com/api/payout/ \
-H "Authorization: Bearer $ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"externalId": "3f9c1b2e-0000-4000-8000-000000000042",
"paymentMethod": { "type": "BankTransfer", "code": "0130", "flow": "DIRECT" },
"country": "MEX",
"currency": "MXN",
"amount": 18400.00,
"accountNumber": "<your-account-number>",
"conceptCode": "0001",
"requireAuth": true,
"beneficiary": {
"type": "INDIVIDUAL",
"name": "Lucía",
"lastname": "Méndez",
"document": { "type": "RFC", "id": "MEML900101XXX" },
"bank": { "account": { "type": "C", "number": "012180000000000000" } }
}
}'Frequently asked questions
In which countries can I send payouts?
Localpayment offers local payout rails in 14 countries: Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, the Dominican Republic, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay and Peru.
How fast does a payout arrive?
On real-time rails such as Pix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil, payouts confirm in seconds, 24/7. Other rails settle the same day or the next business day, depending on the rail’s cut-off time.
Can I require two approvers?
Yes. Send the payout with requireAuth and it stays in Pending authorization until a second authorized user approves it in the Business Portal or through the API.
Can I cancel a payout?
Yes, until it reaches In progress. Once the transfer is on the local rail, returns and recalls follow the rules of that rail.
How do I fund my payouts?
Payouts are debited from your Localpayment balance, which you can fund with your local collections or with a Wire In in fiat or stablecoins. Low-balance alerts warn you before it runs short.
Can I pay many beneficiaries at once?
Yes. Upload a batch in the Business Portal, or send one API call per payout with its own externalId. Both paths share the same approvals, statuses and webhooks.
What does a beneficiary need to provide?
It depends on the rail: a bank account or key (CBU/CVU, Pix key, CLABE, CCI…), the account holder’s name and tax ID. The country guides in the docs list the exact fields per rail.
Do I get proof of payment?
Yes. Completed payouts carry a proof of payment that you can download from the Business Portal or share with the beneficiary.
Also on the same API
Reporting & reconciliation
Match every payout to your ledger with reports and webhooks.
Reporting & reconciliation —FX & treasury
Quote and lock rates before you convert.
FX & treasury —Bill pay
Pay SAT tax references in Mexico through the same API.
Bill pay —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 —Developer quickstart
Get a token, send your first request and receive a webhook on Stage.
Developer quickstart —
Pay out locally, at scale
Get Stage credentials when the partnership starts and go live in weeks. New countries are a configuration, not a reintegration.