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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.

Contact salesSee how payouts work
  • Installments in CO, MX & PE
  • A virtual account per seller
  • Payouts in 14 countries

The challenge

What slows marketplaces down — and how to remove it

What gets in the way

  • Checkouts without local methodsBuyers abandon when their preferred option — Pix, PSE, a local card or installments — is missing.
  • Payouts to thousands of sellersEvery seller banks somewhere different, in a different country, on a different rail.
  • Who paid for what?Pooled collections make it hard to attribute each payment to the right seller and order.
  • Refunds and disputes everywhereRefunds and chargebacks are spread across providers and back-office tools.

How Localpayment solves it

  • Local methods and installmentsPix, PSE, Bre-B, QR and ETPAY, plus cards with installments and 3D Secure in Colombia, Mexico and Peru.
  • Payouts on local railsPay sellers to bank accounts in 14 countries and wallets in 9, one by one via API or in batches from the Business Portal.
  • A virtual account per sellerGive each sub-merchant its own account number, so every incoming transfer arrives attributed and reconciled.
  • One place for post-saleRefunds for cards, virtual accounts and APMs, and chargebacks with evidence upload, through the same API and portal.

Capabilities

Built for multi-seller commerce

  • Local checkout

    Show each buyer the methods available in their country from one endpoint, and create the pay-in with the same call everywhere.

  • Cards and installments

    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. Installments and 3D Secure in Colombia, Mexico and Peru.

  • Virtual accounts per seller

    CVU, CLABE, Pix key, CCI and more, issued per sub-merchant, per order or per customer.

  • Pay each seller’s share

    Your platform calculates each share and keeps its commission; you pay every seller by API or in batches, with approvals and proof of payment for every transfer.

  • Wallet payouts

    Pay sellers to Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru, or to wallets reachable by bank transfer.

  • Refunds and chargebacks

    Refund card, virtual-account and APM payments, and answer chargebacks with evidence upload, from the API or the Business Portal.

Flows

From checkout to seller payout

Buyers pay with Pix in Brazil, PSE in Colombia or cards in Argentina, Colombia, Mexico and Peru; sellers get paid to a bank account or wallet. Four flows that share one integration, one set of webhooks and one set of reports.

A checkout that speaks every market

Fetch the methods available in the buyer’s country and render them in your own checkout — or use our hosted WebCheckout, payment links, embedded iframe or Smart Fields to reduce your PCI scope.

  • Cards authorized in real time; Pix, PSE and QR confirmed by webhook
  • Installments and 3D Secure for cards in Colombia, Mexico and Peru
  • Card tokenization for faster repeat purchases
Explore pay-ins

Operations

Run seller payouts like finance, not like a spreadsheet

Marketplaces pay many sellers, many times a week. The Business Portal and the API give operations and finance the controls they need to move money safely at that pace.

  • Batch uploads with double-signature approval
  • Low-balance alerts before a payout run is short of funds
  • Proof of payment for every transfer, ready to share with sellers
  • Role-based access and MFA for every user
Explore the Business Portal

Total balance

USD 4,971,203.18

▲ 8.3%
  • USDUS Dollar1,284,560.00+4.2%
  • BRLBrazilian Real3,420,118.40+12.8%
  • MXNMexican Peso8,905,332.10+6.1%
  • COPColombian Peso912,450,000+3.4%
  • ARSArgentine Peso248,901,220.55+9.7%

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.

  • Brazil

    Pay-in methods
    Pix (QR and Copia e Cola) · Pix-key virtual account per seller or order
    Payout rails
    Pix 24/7 · TED

  • Mexico

    Pay-in methods
    Cards with 3D Secure and installments (Visa, Mastercard) · CLABE virtual account (SPEI) · SPID USD account
    Payout rails
    SPEI 24/7

  • Colombia

    Pay-in methods
    Cards with 3D Secure and installments · 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) · CVU virtual account · Debin · QR
    Payout rails
    COELSA transfers 24/7

  • Chile

    Pay-in methods
    TEF virtual account · ETPAY
    Payout rails
    TEF 24/7 up to CLP 7,000,000 · same-day above

  • Peru

    Pay-in 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

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 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. 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. 2

    Your marketplaceLocalpayment:

    Create the pay-in

    POST /api/payin/ with your order ID as external reference. Hosted page, payment link, iframe or Smart Fields — the same call everywhere.

  3. 3

    BuyerLocalpayment:

    Pays locally

    Real-time rails confirm in seconds, 24/7. Card payments run 3D Secure where available.

  4. 4

    LocalpaymentYour marketplace:

    Signed webhook

    Each status change arrives signed with HMAC-SHA256, so you confirm the order and start fulfillment immediately.

  5. 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 with double-signature approval.

  6. 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. 7

    LocalpaymentYour USD account:

    Commission → USD

    Convert your balance within local market hours and lock the rate with a quote token before withdrawing.

  8. 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.

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.

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 to bank accounts in 14 countries and wallets in 9. 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, Naranja and Cabal 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 pay-in 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

Scale your marketplace across Latin America

One API for checkout, seller accounts and payouts — with new markets added by configuration.

Contact salesRead the payouts docs

How can we help?

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