E-learning
Let more students in Latin America enroll, and pay your instructors locally
Accept Pix, PSE, Bre-B, QR and local cards at enrollment, offer card installments in Colombia, Mexico and Peru, and send instructor earnings by local bank transfer or wallet.
- Pix, PSE, Bre-B and QR
- Installments in CO, MX & PE
- Instructor payouts
Pix, PSE, Bre-B and QREscaneie o QR · expira em 29:59
The challenge
Why course sales stall in Latin America
Four problems that online schools and course marketplaces meet when they enroll students across borders.
What gets in the way
- Students without an international cardLearners are often younger or unbanked for online card use. A card-only enrollment page rejects the very buyers you want.
- Large tickets, small budgetsA bootcamp or a certification costs more than a single monthly paycheck for many students. Without installments, they wait or walk away.
- Refunds and disputes in the trial windowMoney-back periods are standard in education. Each refund and each disputed charge has to be traced back to a student and a course.
- Paying instructors in many countriesTeachers and partner schools expect local currency in a local account, not a slow cross-border wire at the end of the month.
How Localpayment addresses it
- Local methods next to local cardsPix, PSE, Bre-B, QR, ETPAY and bank transfers to a virtual account let students enroll from their bank app, with local cards in Argentina, Colombia, Mexico and Peru for those who have one.
- Installments and payment linksSplit large tickets into card installments in Colombia, Mexico and Peru, and send a payment link for cohort offers or sales-assisted enrollments.
- Refunds traced to the enrollmentEvery pay-in carries your own external ID. Refund in full or in part from the API or the Business Portal, and manage card chargebacks with evidence upload in the same place.
- Instructor payouts on local railsPay instructors and partner schools to bank accounts in 14 countries or to wallets where available, in batches with double-signature approval and alias verification before the funds leave.
Products
Products behind an e-learning platform
Local payment methods
Pix, PSE, Bre-B and QR for enrollment, through one pay-in API.
Local payment methods —Checkout and payment links
Hosted checkout for the course page and payment links for cohort offers or sales-assisted enrollments.
Checkout and payment links —Payouts
Send instructor and partner earnings by bank transfer or wallet, with batches and double-signature approval.
Payouts —
Money flow
From enrollment to instructor payout
A typical course sale and the revenue share that follows. Your platform decides when the instructor’s share is released.
- 1
StudentLearning platform:
Picks a course and a method
Show the methods available in the student’s country, taken from the API.
- 2
Learning platformLocalpayment:
Creates the pay-in
One call with the course price and the student’s country.
- 3
LocalpaymentStudent:
Returns the payment instructions
A QR code, a bank redirect or a card form, depending on the method.
- 4
StudentLocalpayment:
Pays or approves
In the bank app, or with the card. Installments apply to cards in Colombia, Mexico and Peru.
- 5
LocalpaymentLearning platform:
Webhook: payment approved
Signed with HMAC. Funds are converted and credited to your Localpayment account, usually in USD.
- 6
Learning platformStudent:
Grants course access
Enroll the student as soon as the approval webhook arrives.
- 7
LocalpaymentInstructor:
Pays the instructor
When you send a payout, funds go to the instructor’s bank account or wallet. Your platform applies the revenue share.
Example flow. Instructor payouts are optional and follow your own release rules, for example after the refund window.
Local methods
Recommended methods by country
Cards with installments where available, plus the account-to-account and QR methods that students already use.
Colombia
- Recommended methods
- Cards with installments and PSE for large tickets; Bre-B for instant payment.
Mexico
- Recommended methods
- Local and international cards with installments; SPEI transfers to a CLABE virtual account.
Brazil
- Recommended methods
- Pix with QR or Copia e Cola for single payments.
Chile
- Recommended methods
- ETPAY at checkout.
Argentina
- Recommended methods
- Cards (including Naranja and Cabal) and QR payments.
Peru
- Recommended methods
- QR payments; CCI virtual accounts for transfers.
Only methods documented by Localpayment are listed. Installments are documented for cards in Colombia, Mexico and Peru.
Method guides
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 —PSE
Colombia: pay-ins by bank redirect, approved in the payer’s online banking.
PSE —Bre-B
Colombia: instant key-based payments, 24/7, for pay-ins and payouts.
Bre-B —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 —ETPAY
Chile: bank-based pay-ins approved by the payer.
ETPAY —QR
QR pay-ins in Argentina, Bolivia, Peru and Guatemala.
QR —CCI
Peru: CCI virtual accounts for pay-ins and CCE payouts, real-time up to PEN 30,000.
CCI —
Market figures
Why online learners in Latin America pay locally
Public figures from official and industry sources. Each one links to its source.
84.5%
of the population in Brazil uses the Internet
82.4%
of financial operations in Colombia go through non-in-person channels
Source: Superintendencia Financiera de Colombia, Informe de operaciones, Q1 2025
24.3M
online buyers in Peru in 2026
Source: Capece, Observatorio de Comercio Electrónico (as reported by El Comercio), 2026
Frequently asked questions
Can students pay in installments?
Yes, with cards in Colombia, Mexico and Peru. Installments are documented for those three markets; other markets use single payments.
How do I pay instructors and partner schools?
With payouts: bank transfers in 14 countries and wallet payouts where available, one by one or in batches from the Business Portal, with double-signature approval.
How are refunds handled?
Refunds are available for cards, virtual accounts and payment methods, and card chargebacks are managed with evidence upload.
Can I sell to students outside my home country?
Yes. Ask the API which methods are available in the student’s country and show them at checkout. New markets are added by configuration, with no reintegration.
Can I keep my course prices in USD?
Yes. Create the charge in USD and the student pays the equivalent in local currency. Funds settle to your Localpayment account, usually in USD, with the rate locked by a quote token within local market hours.
How do I reconcile enrollments and refunds?
Each transaction carries your external ID and every status change arrives as an HMAC-signed webhook. Balance, activity and reconciliation data are available by API, or as reports from the Business Portal.
How fast can we start selling in a new country?
You receive Stage (sandbox) credentials at the start of the partnership and go live in weeks. New markets are enabled by configuration, with the same pay-in and payout API.
Keep exploring
Digital goods, streaming & gaming
The full solution for this industry, with all products and flows.
Digital goods, streaming & gaming —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 —
Open your courses to more students in the region
Get Stage credentials at the start of the partnership, go live in weeks and add new markets by configuration.