E-commerce & marketplaces
Pay like a local. Scale like a global.
Offer supported local methods at checkout and make incoming payments easier to identify across markets.
- Installments in CO, MX & PE
- A virtual account per seller
- Payouts in local currencies
Installments in CO, MX & PESeller 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
Delivering results for global businesses
Market figures
The size of online retail in the region’s largest markets
Public figures from official and industry sources. Each one links to its source.
R$ 234.9 bn
e-commerce revenue projected for Brazil in 2025
US$ 55.3 bn
retail e-commerce value in Mexico in 2025
Source: AMVO, Estudio de Venta Online 2026 (as reported by PRODU), 2025
684.6M
e-commerce transactions in Colombia in 2025
Why Localpayment
Built for multi-seller commerce
A checkout that speaks every market
Buyers abandon when Pix, PSE, a local card or installments are missing. Show the methods available in each country from one endpoint — Pix, PSE, Bre-B, QR, ETPAY and cards with installments and 3D Secure in Colombia, Mexico and Peru — in your own checkout or with our hosted WebCheckout, payment links, iframe or Smart Fields. Card tokenization speeds up repeat purchases.
A checkout that speaks every market —A virtual account for every seller
Pooled collections make it hard to know who paid for what. Issue a CVU, CLABE, Pix key, CCI and more per sub-merchant, order or customer — with one API call per payout — so every transfer arrives attributed and reconciled, with a real-time webhook. Enable, disable or delete accounts as sellers come and go.
A virtual account for every seller —Pay every seller on local rails
Your platform calculates each share and keeps its commission; you pay sellers in local currencies to bank accounts and wallets — including Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru — in real time, 24/7, through the API. Alias verification and bank-account validation run before you send, and returns and recalls go through the same API.
Pay every seller on local rails —Finance-grade control, post-sale included
Double-signature approval for batches, low-balance alerts before a payout run is short of funds, proof of payment for every transfer, and role-based access with MFA. Refund card, virtual-account and APM payments and answer chargebacks with evidence upload — every movement lands in the same reports as the original sale.
Finance-grade control, post-sale included —
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
Recommended method mix
Which methods to show buyers, and how to pay sellers, country by country
Cards and installments where we acquire them, instant transfers and QR everywhere, and a local payout rail for every seller. Only methods documented in our API are listed. Limits, speeds and cut-off times per method are on each country page.
Brazil
- br
Payin methods: Pix (QR and Copia e Cola) · Pix-key virtual account per seller or order. Payout rails: Pix 24/7 · TED.
Brazil —Mexico
- mx
Payin methods: Cards with 3D Secure and installments (Visa, Mastercard) · CLABE virtual account (SPEI) · SPID USD account. Payout rails: SPEI 24/7.
Mexico —Colombia
- co
Payin methods: Cards with 3D Secure and installments · PSE · Bre-B · Bre-B-key virtual account. Payout rails: Bre-B key 24/7 · TransfiYa · ACH.
Colombia —Argentina
- ar
Payin methods: Cards (Visa, Mastercard, Amex) · CVU virtual account · Debin · QR. Payout rails: COELSA transfers 24/7.
Argentina —Chile
- cl
Payin methods: TEF virtual account · ETPAY. Payout rails: TEF 24/7 up to CLP 7,000,000 · same-day above.
Chile —Peru
- pe
Payin methods: Cards with 3D Secure and installments · CCI virtual account (PEN and USD) · QR. Payout rails: CCE real-time up to PEN 30,000 · LBTR above · CCE wallets.
Peru —
br
mx
co
ar
cl
peMoney flow
From a local checkout to a paid seller
One integration covers the buyer’s payment, the seller’s payout, your commission in USD and the refund when an order is canceled.
- 1
BuyerYour marketplace:
Checks out
Your checkout shows the methods available in the buyer’s country: Pix, PSE, SPEI, cards with installments in Colombia, Mexico and Peru, QR or a virtual account.
- 2
Your marketplaceLocalpayment:
Create the payin
POST /api/payin/ with your order ID as external reference. Hosted page, payment link, iframe or Smart Fields — the same call everywhere.
- 3
BuyerLocalpayment:
Pays locally
Real-time rails confirm in seconds, 24/7. Card payments run 3D Secure where available.
- 4
LocalpaymentYour marketplace:
Signed webhook
Each status change arrives signed with HMAC-SHA256, so you confirm the order and start fulfillment immediately.
- 5
Your marketplaceLocalpayment:
Pay the seller’s share
Your platform calculates each seller’s share. POST /api/payout/ one by one, or upload a batch in the Business Portal in real time, 24/7.
- 6
LocalpaymentSeller:
Seller receives locally
Pix, SPEI, Bre-B, COELSA, TEF or CCE to a bank account; Yape, SINPE Móvil and CCE wallets directly.
- 7
LocalpaymentYour USD account:
Commission → USD
Convert your balance within local market hours and lock the rate with a quote token before withdrawing.
- 8
LocalpaymentBuyer:
Refund when needed
Canceled orders are refunded by the original method from the API or the Business Portal, with proof of refund.
Installments are available with cards in Colombia, Mexico and Peru. Conversion happens within local market hours; the rate is locked with a quote token. Payout limits and cut-off times per rail are on each country page.
Industry FAQ
Where is this solution available?
Coverage varies by product, payment method and market. Check Coverage & Network for the current details.
Can I pay sellers in different countries from one balance?
Yes. You fund your Localpayment account and send payouts in local currencies to bank accounts and wallets. Where a conversion is involved, you can quote the rate and lock it with a quote token before you pay, within local market hours.
How do split payouts work?
Your platform calculates each seller’s share and its own commission. You then pay each share by API or in a batch from the Business Portal, with approvals and proof of payment. Talk to us about the model that fits your marketplace.
Which card features are available?
We accept Visa and Mastercard in Argentina, Colombia, Mexico and Peru, plus American Express in Argentina and American Express and Diners Club in Colombia. Installments, 3D Secure and subscriptions are available in Colombia, Mexico and Peru.
How do installments work for the buyer?
In Colombia, Mexico and Peru the buyer chooses the number of installments at checkout and the card issuer finances them. You create the payin with the same call as any other card payment, and 3D Secure applies where available.
How do buyers pay in Brazil?
With Pix, by QR code or Copia e Cola, or by transfer to a virtual account with a Pix key. Both confirm in seconds, 24/7.
How do refunds work?
You can refund card, virtual-account and APM payments from the API or the Business Portal and download proof of the refund. Card chargebacks are managed with evidence upload.
Can sellers receive money in a wallet?
Yes. Direct wallet payouts are available to Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru. Wallets can also be credited by bank transfer in Argentina, Brazil, Chile, Colombia, El Salvador and Mexico.
Keep exploring
Payins
Cards, account-to-account, QR and virtual accounts through one API.
Payins —Virtual accounts
A unique local account number per seller, order or customer.
Virtual accounts —Payouts
Bank and wallet payouts in local currencies, in real time, 24/7.
Payouts —Coverage
local currencies 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 —
Scale your marketplace across Latin America
One API for checkout, seller accounts and payouts — with new markets added by configuration.