Delivery apps
Get paid for every order and pay couriers on local rails
Offer card-on-file and local methods at checkout, settle cash commissions by transfer, and send courier and restaurant payouts over real-time rails such as Pix, SPEI, COELSA, TEF and Bre-B.
- Payouts that confirm in seconds
- Around the clock, weekends included
- Banks and wallets
Payouts that confirm in secondsSeller 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
The challenge
What gets in the way of delivery apps
Four problems that food, grocery and parcel apps face when orders scale across cities and countries.
What gets in the way
- Cash on deliveryWhen customers pay couriers in cash, the app has to collect its commission back from thousands of couriers, and the ledger never quite closes.
- Couriers want today’s earnings todayWeekly payout files feel slow to couriers who live on daily income, and they move to the app that pays faster.
- Restaurants and stores to settleEvery partner banks differently. Wrong account details bounce payments and create support tickets.
- Refunds for late or missing itemsSmall tickets and frequent refunds make post-sale handling a daily operation, not an exception.
How Localpayment addresses it
- Card and transfer at checkout, or a personal account for cashCustomers pay in the app with a saved card, Pix, QR or SPEI. For cash orders, couriers settle the commission by transfer to their own virtual account, matched automatically.
- Payouts that confirm in seconds, 24/7Pay couriers per order, per day or on demand on real-time rails such as Pix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil, including weekends.
- Validated accounts and batch payouts to partnersValidate bank accounts and aliases before sending, pay restaurants in batches with double-signature approval, and handle returns through the same API.
- Refunds from the same APIRefund a pay-in in full or in part, for cards, virtual accounts and local methods, and track every status change with a signed webhook.
Products
Products behind a delivery app
Cards
Tokenized card-on-file for one-tap reorders in Argentina, Colombia, Mexico and Peru, with pre-authorization and capture.
Cards —Payouts
Pay couriers and restaurants per order, per day or on demand, with batches and double-signature approval.
Payouts —Virtual accounts
A personal account per courier (CVU, CLABE, Pix key) to settle cash commissions by transfer, matched automatically.
Virtual accounts —
Money flow
From order to courier payout
A typical order paid in the app. Your platform decides when each payout is triggered.
- 1
CustomerDelivery app:
Orders and picks a payment
Saved card, Pix, QR or another local method available in the customer’s country.
- 2
Delivery appLocalpayment:
Creates the pay-in
One call per order, with your order ID as the external ID.
- 3
CustomerLocalpayment:
Pays or approves
With the saved card, or in the bank app. Nothing to hand over in cash.
- 4
LocalpaymentDelivery app:
Webhook: payment approved
Signed with HMAC. Funds are credited to your Localpayment account. Dispatch the order.
- 5
Delivery appLocalpayment:
Requests the payouts
After delivery, your app calculates the courier and restaurant shares and sends the payouts.
- 6
LocalpaymentCourier or restaurant:
Pays on a real-time rail
To the partner’s bank account or wallet. On rails such as Pix or SPEI this takes seconds, 24/7.
- 7
LocalpaymentDelivery app:
Webhook: payout completed
Every status is tracked, with proof of payment for each transfer.
Example flow. For cash orders, couriers can settle the app’s commission by transfer to a personal virtual account instead of handing cash back.
Local methods
Recommended methods by country
Cards and instant methods for customers, real-time rails for couriers and restaurants.
Brazil
- Recommended methods
- Pix for customer payments and for real-time courier and restaurant payouts, 24/7.
Mexico
- Recommended methods
- Cards with tokenization; SPEI payouts in real time, 24/7.
Colombia
- Recommended methods
- Bre-B and PSE for customers; cards; real-time payouts via TransfiYa and Bre-B.
Argentina
- Recommended methods
- Cards with tokenization and QR payments; real-time COELSA payouts.
Chile
- Recommended methods
- TEF payouts, real-time 24/7 up to CLP 7,000,000.
Peru
- Recommended methods
- QR payments for customers; CCE payouts, real-time up to PEN 30,000.
Only methods documented by Localpayment are listed. Some countries settle payouts T+1 instead of in real time.
Method guides
Pix
Brazil: QR and Copia e Cola pay-ins, plus real-time payouts, 24/7.
Pix —SPEI
Mexico: real-time bank transfers, with CLABE virtual accounts for pay-ins.
SPEI —Bre-B
Colombia: instant key-based payments, 24/7, for pay-ins and payouts.
Bre-B —TransfiYa
Colombia: real-time payouts to beneficiaries.
TransfiYa —Cards
Visa and Mastercard in Argentina, Colombia, Mexico and Peru, plus American Express, Naranja and Cabal in Argentina and American Express and Diners Club in Colombia.
Cards —CVU & COELSA
Argentina: CVU virtual accounts for pay-ins and real-time COELSA payouts.
CVU & COELSA —QR
QR pay-ins in Argentina, Bolivia, Peru and Guatemala.
QR —TEF
Chile: bank transfers both ways, with virtual accounts for pay-ins.
TEF —CCI
Peru: CCI virtual accounts for pay-ins and CCE payouts, real-time up to PEN 30,000.
CCI —SINPE
Costa Rica: SINPE transfers and real-time SINPE Móvil wallet payouts.
SINPE —
Market figures
Instant payments are how Latin America pays every day
Public figures from official and industry sources. Each one links to its source.
54.7%
Pix share of payment transactions in Brazil by count, H2 2025
186M
Interoperable wallet transactions per month in Peru, June 2025
650M
SINPE Móvil transactions in Costa Rica, 2024
Frequently asked questions
How fast can couriers be paid?
On real-time rails such as Pix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil, payouts confirm in seconds, 24/7. Other countries settle the same day or T+1.
Can we stop handling cash?
Customers can pay in the app with cards, Pix, QR or a bank transfer. For orders still paid in cash, couriers can settle the commission by transfer to a personal virtual account.
How do we avoid failed payouts?
Verify payout aliases and validate bank accounts before sending, and handle returns through the same API.
How do we fund payouts in several countries?
Fund each payout balance by wire or with USDC or USDT on Ethereum and Tron, and get low-balance alerts before it runs out.
How do refunds work for a late or incomplete order?
Refund the pay-in from the API or the Business Portal, in full or in part, for cards, virtual accounts and local methods. Card chargebacks are managed with evidence upload in the same place.
Do couriers need to be Localpayment customers?
No. Your app is Localpayment’s customer and goes through compliance review once. Couriers and restaurants are your partners: you onboard them, collect their bank or wallet details and send the payouts.
How long does it take to go live in a new country?
You get Stage credentials at the start of the partnership, integrate once and go live in weeks. New countries are added by configuration, with the same pay-in and payout API.
Keep exploring
Mobility & on-demand
The full solution for this industry, with all products and flows.
Mobility & on-demand —Payment methods by country
Every documented method, with limits and speeds.
Payment methods by country —Checkout experiences
What the payer sees, method by method, country by country.
Checkout experiences —Coverage
18 countries with a licensed, registered or supervised presence.
Coverage —Developer quickstart
Stage credentials, first payment and webhooks.
Developer quickstart —
Keep customers ordering and couriers delivering
Get Stage credentials at the start of the partnership, go live in weeks and add new markets by configuration.