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Recurring payments

Keep recurring payments connected to the customer relationship

Create and manage card subscriptions, monitor their status and recover failed charges with configurable retries. Live today in Colombia, Mexico and Peru; for other markets, our team maps a recurring flow on local payment methods with you.

Contact salesSubscriptions docs
  • Scheduled or on-demand billing
  • Configurable retries
  • Every renewal traceable
Live today · other markets on request
CO · MX · PE
Scheduled and on-demand charges
2 models
Configurable attempts and intervals
Retries
On every charge
Webhook

Card subscriptions

Subscriptions with configurable retries

Everything you need to bill on a schedule, recover failed charges and keep your systems in sync.

  • Scheduled or on demand

    Bill on a fixed schedule from a plan, or charge on demand when usage or events require it.

  • Configurable dunning

    Set how many times to retry a failed charge and the interval between attempts, to fit your billing model.

  • Clear payment status

    If all retry attempts fail, the subscription is marked accordingly so your team can take the next action.

  • Every charge is traceable

    Every renewal is recorded as an individual transaction, with its own status, webhook and reporting data.

  • Plans API

    Create, update and query plans with preset amounts and billing intervals.

  • Full control

    Update the amount, frequency or payer details, change plans or cancel a subscription through the API.

Money flow

How a subscription charge runs

The card is tokenized once; each renewal is charged automatically, with configurable retries.

  1. 1

    CustomerYour platform:

    Subscribes with a card

    Card data is tokenized once by Localpayment for recurring use.

  2. 2

    Your platformLocalpayment:

    Create the subscription

    Plan, amount and billing cycle linked to the token.

  3. 3

    LocalpaymentLocal rail / bank:

    Charges each cycle

    Local acquiring, so the issuer sees a domestic transaction.

  4. 4

    Local rail / bankLocalpayment:

    Approved or declined

    Declines are retried on the schedule you configure.

  5. 5

    LocalpaymentYour platform:

    Webhook per charge

    Your platform extends or pauses access based on the result.

Illustrative flow. Card subscriptions are available in Colombia, Mexico and Peru; see the country pages.

How it works

How a subscription runs

  1. 01

    Create

    Choose a fixed plan or a custom amount and frequency, then send POST /api/payin/subscriptions with the card token. You get the subscription ID back.

  2. 02

    Renew

    Each cycle is charged automatically, or on demand. Failed charges are retried according to your settings, and webhooks report every result.

  3. 03

    Manage

    Update the amount, frequency or payer details, change plans or cancel through the API, and track every change by webhook.

Specifications

Recurring payments at a glance

  • Card subscriptions

    How it works
    Available in Colombia, Mexico and Peru
    Details
    Scheduled or on demand billing with tokenized cards

  • Plans

    How it works
    Create and manage plans through the API
    Details
    Define amount, currency and billing frequency

  • Retries

    How it works
    Configure retry rules for failed payments
    Details
    Set the number of attempts and interval between retries

  • Subscription management

    How it works
    Update or cancel subscriptions through the API
    Details
    Manage amount, frequency, payer details or plan changes

  • Reporting

    How it works
    Track every renewal as an individual transaction
    Details
    Monitor status through webhooks and reporting

  • Limits and pricing

    How it works
    Defined by market and payment method
    Details
    Contact our team for details

Card subscriptions are currently available in Colombia, Mexico and Peru. Specific capabilities and commercial terms are confirmed during onboarding.

Operations

Renewals your finance team can trace

Because each renewal is recorded as an individual transaction, card subscriptions reconcile exactly like one-time payments — same identifiers, same webhooks, same reports.

  • Your externalId plus our internalId on every charge
  • HMAC-SHA256 signed webhooks for charges, failures and changes
  • Chargeback handling for subscription charges
  • Business Portal reports with XLS export

For developers

Create a subscription in one call

Send the plan, the card token and your retry policy. Localpayment runs each charge from there and reports back by webhook.

  • Fixed plans (planId) or custom amounts and frequencies
  • retry.repetitions, retry.intervalValue and retry.intervalUnit
  • Update or cancel through the API at any time
Subscriptions docs
# Illustrative — fields simplified; see docs.localpayment.com for the full contract
curl -X POST https://api.stage.localpayment.com/api/payin/subscriptions \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "paymentMethod": { "type": "CreditCard", "code": "1900", "flow": "DIRECT" },
    "externalId": "5d7c2a90-0000-4000-8000-000000000031",
    "country": "COL",
    "currency": "COP",
    "planId": "<your-plan-id>",
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "merchant": { "type": "COMPANY", "name": "Comercio Ejemplo S.A.S." },
    "payer": {
      "type": "INDIVIDUAL",
      "name": "Andrés",
      "lastname": "Gómez",
      "document": { "type": "CC", "id": "1000000000" },
      "email": "andres.gomez@example.com"
    },
    "card": { "token": "<card-token>" },
    "retry": { "repetitions": 3, "intervalValue": 1, "intervalUnit": "day" }
  }'

Use cases

Built for businesses that bill again and again

Frequently asked questions

Where are card subscriptions available?

In Colombia, Mexico and Peru, with both scheduled and on-demand models.

What happens when a renewal fails?

We retry according to the rules you configure. If every retry fails, the subscription is marked accordingly and no further automatic charges are attempted, so your team can take the next action.

Can I change a subscription after it starts?

Yes. You can update the amount, frequency or payer details, change the plan, or cancel through the API.

Do renewals show up in my reports?

Yes. Every renewal is recorded as an individual transaction, so it appears in your reports and webhooks like any other payment.

Can I collect subscriptions with local payment methods?

Card subscriptions run in Colombia, Mexico and Peru. For other countries, our team can map a recurring flow on local methods with you.

Also on the same API

Keep subscribers renewing

Tell us about your billing model and the markets you sell in: we’ll set up card subscriptions or map a recurring flow on local methods.

Contact salesSubscriptions docs

How can we help?

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