Digital goods, streaming & gaming
Keep players in the flow. Make local payments part of the game.
Offer eligible local ways to pay for in-game purchases, and support payouts to creators or tournament participants where available.
- Pix, PSE, Bre-B and QR
- Card subscriptions in CO, MX & PE
- Settlement in USD
Pix, PSE, Bre-B and QREscaneie o QR · expira em 29:59
The challenge
Why digital sales stall in Latin America — and how to fix it
For digital businesses, checkout and renewal are where revenue is won or lost.
What gets in the way
- Card-only checkoutsMany buyers prefer Pix, bank transfers, QR or wallets — and many don’t have a card that works for international purchases.
- Renewals that failCards expire, get reissued or hit limits, and a happy subscriber silently churns.
- Currency sprawlEvery new market adds a currency to convert, settle and reconcile.
- Instant delivery, instant riskDigital items are delivered the moment a payment clears, so fraud and disputes bite fast.
How Localpayment solves it
- Local methods at checkoutPix in Brazil, PSE and Bre-B in Colombia, QR in Argentina, Bolivia, Guatemala and Peru, and local cards in Argentina, Colombia, Mexico and Peru.
- Subscriptions with retriesScheduled or on-demand card billing in Colombia, Mexico and Peru, with configurable retries for failed charges.
- Settlement in USDCollect in local currency and settle to your account in USD, with FX handled on the same platform.
- Payer-approved paymentsAccount-to-account and QR payments are approved by the payer in their bank app — no card data involved. Cards add 3D Secure in Colombia, Mexico and Peru.
Capabilities
Everything a digital business needs to sell locally
Account-to-account & QR
Pix (QR and Copia e Cola), PSE, Bre-B, Debin, ETPAY and QR payments in Argentina, Bolivia, Guatemala and Peru.
Local and international 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, with tokenization for repeat purchases.
Recurring billing
Plans, scheduled and on-demand charges and configurable retries in Colombia, Mexico and Peru. Each charge is a pay-in with its own webhook.
Payment links
Share a link by email, SMS or social media for campaigns, gift cards or plan upgrades — no code required.
Settle in USD
Collections are converted and credited to your Localpayment account, ready to withdraw to your own bank account.
Flows
Three flows, one integration
Most digital businesses run all three. They share the same API, webhooks and reports.
A game, a course or a rental, paid locally
Ask the API which methods are available in the buyer’s country, show them at checkout and create the pay-in. Cards are authorized in real time; Pix, PSE and QR payments are confirmed by webhook.
- Dynamic checkout per country from a single endpoint
- Hosted WebCheckout, embedded iframe or Smart Fields to reduce PCI scope
- Deliver the item as soon as the approval webhook arrives
Escaneie o QR · expira em 29:59
Renewals that keep running
Create a plan, attach a tokenized card and let the schedule do the work. Failed charges retry on the rules you set, and if retries run out you get a clear status so you can win the subscriber back.
- Scheduled and on-demand billing models
- Configurable retry repetitions and intervals
- 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" } } }In-app credit and wallet top-ups
Let players and viewers add credit with a Pix QR code, a QR payment or a transfer to a personal virtual account. A webhook fires when funds land, so on real-time rails the balance updates in seconds.
- Pix QR and Copia e Cola in Brazil
- Personal virtual accounts (CVU, CLABE, Pix key) for repeat top-ups
- Each transfer matched to the right user automatically
Virtual account
Customer #000123
CLABE
646180 •••• •••• 4821
- SPEI · ref 7F2A009309:41MX$ 12,400.00Matched
- SPEI · ref 3B7Q021109:12MX$ 4,980.50Matched
- SPEI · ref 9A1C1189YesterdayMX$ 22,150.00Matched
Risk & security
Protect instant delivery without adding friction
Digital items are delivered the moment a payment clears, so controls have to act before that — without slowing honest buyers down.
- Push payments approved by the payer in their bank app, with no card data involved
- 3D Secure for cards in Colombia, Mexico and Peru
- Chargeback management with evidence upload, plus BIN allow-listing
- IP allow-listing on every API call and HMAC-signed webhooks
- PCI DSS v4.0.1
- SOC 2 Type II
- ISO 27001
- AML/KYC
- TLS 1.2+ · AES-256
Recommended method mix
Which methods to offer subscribers and players, country by country
Instant transfers and QR for one-off purchases and top-ups everywhere; cards with subscriptions where we acquire them; local rails for refunds and creator payouts.
Brazil
- Pay-in methods
- Pix (QR and Copia e Cola) · Pix-key virtual account per player for top-ups
- Payout rails
- Pix 24/7 · TED
Mexico
- Pay-in methods
- Cards with 3D Secure, tokenization and subscriptions · CLABE virtual account (SPEI)
- Payout rails
- SPEI 24/7
Colombia
- Pay-in methods
- Cards with subscriptions · PSE · Bre-B · Bre-B-key virtual account
- Payout rails
- Bre-B key 24/7 · TransfiYa · ACH
Argentina
- Pay-in methods
- Cards (Visa, Mastercard, Amex, Naranja, Cabal) with tokenization · QR · Debin · CVU virtual account
- Payout rails
- COELSA transfers 24/7
Chile
- Pay-in methods
- ETPAY · TEF virtual account
- Payout rails
- TEF 24/7 up to CLP 7,000,000 · same-day above
Peru
- Pay-in methods
- Cards with 3D Secure, tokenization and subscriptions · QR · CCI virtual account (PEN and USD)
- Payout rails
- CCE real-time up to PEN 30,000 · Wallets (CCE, direct)
Only methods documented in our API are listed. Limits, speeds and cut-off times per method are on each country page.
Money flow
From a local checkout to unlocked content and a USD balance
One integration for subscriptions, game purchases and in-game top-ups, with FX, refunds and creator payouts on the same platform.
- 1
Subscriber or playerYour platform:
Picks a plan, game or top-up
Hosted checkout, payment link or embedded fields show the methods available in the buyer’s country; price in USD or local currency.
- 2
Your platformLocalpayment:
Create the pay-in
POST /api/payin/ with your external ID and the buyer’s country. For renewals, charge the tokenized card on schedule.
- 3
Subscriber or playerLocalpayment:
Pays locally
Pix, PSE, Bre-B, QR, ETPAY, a transfer to a personal virtual account, or a local card in Argentina, Colombia, Mexico or Peru.
- 4
LocalpaymentYour platform:
Signed webhook unlocks the content
Status changes arrive signed with HMAC-SHA256. Instant rails confirm in seconds, 24/7, so access or credits are granted at once.
- 5
LocalpaymentLocalpayment:
Local balance → USD
Convert within local market hours; lock the rate with a quote token when the amount is known.
- 6
LocalpaymentYour USD account:
Settle
Withdraw USD to your account, or hold multi-currency balances to fund refunds and local payouts.
- 7
LocalpaymentSubscriber or player:
Refund or pay creators
Refunds go back through the refund API, by the original method; creators and tournament winners are paid with POST /api/payout/, one by one or in batches, with optional double-signature approval.
Card subscriptions are available in Colombia, Mexico and Peru; Brazil is served with Pix. Conversion happens within local market hours; the rate is locked with a quote token.
Market figures
Why local methods decide digital sales in Latin America
Public figures from official and industry sources. Each one links to its source.
54.7%
of payment transactions in Brazil are made with Pix
77.2M
people shopped online in Mexico in 2025
Source: AMVO, Estudio de Venta Online 2026 (as reported by PRODU), 2025
37.6%
of e-commerce sales value in Peru is paid with digital wallets
Source: Capece, Observatorio de Comercio Electrónico (as reported by El Comercio), H1 2026
Industry FAQ
Where is this solution available?
Coverage varies by product, payment method and market. Check Coverage & Network for the current details.
Can I bill subscriptions in local currency?
Yes. Card subscriptions are available in Colombia, Mexico and Peru, with scheduled or on-demand charges and configurable retries.
Can players top up without a card?
Yes. Players can add credit with a Pix QR code, a QR payment or a transfer to a personal virtual account. Each deposit is matched to the right user automatically and you receive a signed webhook for every one.
How do refunds and disputes work?
Refunds go back by local rail, in local currency, from your balance. Instant transfers and QR payments are approved by the payer in their own bank app, so they do not carry card-style chargebacks; card payments use 3D Secure and follow the card schemes’ dispute rules.
Can I pay creators, studios or affiliates locally?
Yes. POST /api/payout/ sends local-currency transfers over Pix, SPEI, Bre-B, COELSA, TEF, CCE and more, one by one or in batches, with optional double-signature approval. Each payout carries your external ID and reports its status by signed webhook.
How do I receive my funds?
Collections are converted and credited to your Localpayment account, usually in USD. From there you can withdraw to your own bank account or to an allow-listed USDC or USDT wallet.
Do you support gambling or betting?
No. This solution covers streaming, digital content, apps, e-learning and video games. Gambling and betting are out of scope.
How do I test the integration?
You get Stage credentials at the start of the partnership. Stage mirrors production with test cards and a virtual-account payment simulator, so you can run every flow before going live — typically in weeks.
Keep exploring
Local payment methods
Pix, PSE, Bre-B, QR and more, through one pay-in API.
Local payment methods —Recurring payments
Card subscriptions with configurable retries.
Recurring payments —Checkout
Hosted checkout, payment links, embedded iframe and Smart Fields.
Checkout —Coverage
18 countries with a licensed, registered or supervised presence.
Coverage —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 —
Grow your subscriber base in Latin America
Card subscriptions are available in Colombia, Mexico and Peru only. Get Stage credentials at the start of the partnership, go live in weeks and add new markets by configuration.