Video games
Let players pay from their bank app, and credit them in seconds.
Accept Pix, PSE, Bre-B, QR and local cards for credit, passes and in-game items, credit balances as funds land, and settle in USD. For video games only: no gambling or betting.
- Pix, PSE, Bre-B and QR
- Top-ups by virtual account
- Settlement in USD
Pix, PSE, Bre-B and QRVirtual 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
The challenge
What holds back game revenue in Latin America
Four problems that studios and publishers run into when players pay with local money.
What gets in the way
- Players without a cardA large share of players cannot buy with an international card. They want to pay from their bank app or with a QR code, and they leave when they cannot.
- Small, frequent purchasesGems, passes and skins are low-ticket and repeated. Slow confirmation or card-only checkout kills the impulse to buy.
- Instant delivery, instant fraudIn-game items are delivered the moment a payment clears. Stolen cards and chargebacks hit the game economy before anyone reviews the order.
- Paying creators and partnersStudios, content creators and regional partners expect their share in local currency, in a local account, on a schedule.
How Localpayment addresses it
- Top-ups from the bank appPix QR codes, QR payments, PSE and Bre-B let players pay without a card, and a personal virtual account (CVU, CLABE, Pix key) takes repeat top-ups by transfer.
- Confirmation in secondsOn real-time rails such as Pix, SPEI, COELSA and Bre-B the bank confirms in seconds, 24/7, and the signed webhook lets you credit the balance while the player is still in the store.
- Less card exposureAccount-to-account and QR payments are approved by the payer in their bank app, with no card data. For cards, 3D Secure applies in Colombia, Mexico and Peru, BIN allow-listing is available and chargebacks are managed with evidence upload.
- Creator and partner payoutsSend revenue shares 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 a game store
Local payment methods
Pix, PSE, Bre-B and QR for credit and item purchases, through one pay-in API.
Local payment methods —Virtual accounts
A personal account per player (CVU, CLABE, Pix key) for repeat top-ups, matched to the right player automatically.
Virtual accounts —Payouts
Send creator and partner shares by bank transfer or wallet, with batches and double-signature approval.
Payouts —
Money flow
From “buy” to credit in the player’s balance
A typical top-up with a bank-approved method such as Pix. On real-time rails the balance updates in seconds.
- 1
PlayerGame or store:
Picks a pack and a method
Show the methods available in the player’s country, taken from the API.
- 2
Game or storeLocalpayment:
Creates the pay-in
One call with the pack price and the player’s country.
- 3
LocalpaymentPlayer:
Returns a QR or redirect
A Pix QR code or Copia e Cola, a bank redirect or a card form, depending on the method.
- 4
PlayerPlayer’s bank:
Approves in the bank app
The player confirms in their own app. No card data is involved.
- 5
Player’s bankLocalpayment:
Bank confirms the payment
On real-time rails such as Pix this takes seconds, 24/7.
- 6
LocalpaymentGame or store:
Webhook: payment approved
Signed with HMAC. Funds are converted and credited to your Localpayment account, usually in USD.
- 7
Game or storePlayer:
Credits the balance
Add the credit or unlock the item as soon as the approval webhook arrives.
Example flow. Players can also top up by transfer to a personal virtual account; each deposit triggers a webhook and is matched to the right player.
Local methods
Recommended methods by country
Real-time bank-approved methods for top-ups, cards where they are available.
Brazil
- Recommended methods
- Pix with QR or Copia e Cola for top-ups confirmed in seconds.
Mexico
- Recommended methods
- Local and international cards; SPEI transfers to a CLABE virtual account.
Colombia
- Recommended methods
- PSE and Bre-B; cards for players who have them.
Argentina
- Recommended methods
- Cards (including Naranja and Cabal), QR payments and CVU virtual accounts.
Chile
- Recommended methods
- ETPAY at checkout.
Peru
- Recommended methods
- QR payments.
Only methods documented by Localpayment are listed. Availability and limits per country are on each method page.
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 —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 —CVU & COELSA
Argentina: CVU virtual accounts for pay-ins and real-time COELSA payouts.
CVU & COELSA —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 —QR
QR pay-ins in Argentina, Bolivia, Peru and Guatemala.
QR —ETPAY
Chile: bank-based pay-ins approved by the payer.
ETPAY —
Market figures
Why players in Latin America expect instant, cardless payments
Public figures from official and industry sources. Each one links to its source.
54.7%
of payment transactions in Brazil are made with Pix
64.1%
of retail payment operations in Argentina are immediate payments
37.6%
of online sales value in Peru is paid with digital wallets
Source: Capece, Observatorio de Comercio Electrónico (as reported by El Comercio), H1 2026
Frequently asked questions
Do you support gambling or betting?
No. This solution is for video games, game credit and in-game items. Gambling and betting are out of scope.
Can players top up without a card?
Yes. With a Pix QR code, a QR payment, PSE or Bre-B, or a transfer to a personal virtual account. Each deposit is matched to the right player automatically.
How are chargebacks handled?
Account-to-account and QR payments are approved by the payer in their bank app, so there is no card data. For cards, 3D Secure applies in Colombia, Mexico and Peru, chargebacks are managed with evidence upload, and BIN allow-listing is available.
How do I pay creators and partners?
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 fast is a top-up credited?
On real-time rails such as Pix, SPEI, COELSA, TEF, CCE and Bre-B the payment confirms in seconds, 24/7, and the final status reaches you by HMAC-signed webhook. Confirmation is not the same as settlement to your account.
How do I reconcile thousands of small purchases?
Every pay-in carries your own external ID and every status change arrives as a signed webhook. Pull balance, activity and reconciliation data by API, or export reports from the Business Portal.
How fast can we launch 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 —
Bring more players into your game economy
Get Stage credentials at the start of the partnership, go live in weeks and add new markets by configuration.