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Mobility & on-demand

Collect fares. Pay drivers. One connected flow.

Accept supported rider payment methods and pay eligible drivers through local bank and wallet routes.

Contact salesExplore payouts
  • Payouts that confirm in seconds
  • Around the clock, weekends included
  • Banks and wallets

The challenge

What slows on-demand platforms down — and how to fix it

What gets in the way

  • Drivers want their money todayWeekly bank files and cut-off times make earnings feel slow — and drivers switch apps.
  • Thousands of banks and walletsEvery driver and courier banks differently, and wrong account details bounce payouts.
  • Cash that never reaches youWhen riders pay in cash, drivers owe the platform its commission — and collecting it is manual.
  • Balances in many countriesKeeping every payout balance funded across markets ties up liquidity and attention.

How Localpayment solves it

  • Payouts in real time where the local rail supports itPix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil confirm in seconds, day and night.
  • Validate before you payVerify payout aliases and validate bank accounts before sending, and handle returns through the same API.
  • Alternatives to cashGive each driver a personal virtual account, or send a QR or Pix payment request, so commissions are settled by transfer and matched automatically.
  • One treasury, low-balance alertsFund payout balances by wire or in USDC or USDT, and get alerted before a balance runs low.

Capabilities

Built for the rhythm of on-demand work

  • Real-time driver payoutsReal-time

    Pay out per trip, per day or on demand via API. Where real-time rails are available, transfers confirm in seconds, 24/7.

  • Wallet payouts

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

  • Batch payouts & approvals

    Upload weekly settlements or incentive bonuses as batches, with double-signature approval before funds move.

  • Card-on-file for riders

    Tokenize cards in Argentina, Colombia, Mexico and Peru for one-tap rides, with pre-authorization and capture for the final fare.

  • Cash-free top-ups

    Riders and drivers add balance with Pix, QR payments, PSE, Bre-B or a transfer to a personal virtual account.

  • Low-balance alerts

    Get notified before a payout balance runs low, and top it up by wire or with USDC or USDT on Ethereum and Tron.

Flows

The money flows of an on-demand platform

Rider payments, driver earnings, cash settlement and treasury — on one API.

Riders pay the way they prefer

Save a card once and charge each ride automatically, or let riders pay with Pix, QR or a bank transfer. Pre-authorize an estimated fare and capture the final amount when the trip ends.

  • Card tokenization in Argentina, Colombia, Mexico and Peru
  • Pre-authorization and capture for variable fares
  • Pix, PSE, Bre-B and QR for riders without cards
Explore cards

For developers

Pay a driver with one API call

Authenticate with a Bearer token, send the payout and listen for the signed webhook. The same request shape works on every rail — only the country, currency, payment method code and beneficiary change.

  • Your own externalId on every payout for traceability
  • HMAC-SHA256 signed webhooks for each status change
  • Optional approval step with double signature
Read the payouts docs
# Example request — see docs.localpayment.com for the exact contract
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "8c4e2f10-0000-4000-8000-000000000481",
    "country": "MEX",
    "currency": "MXN",
    "amount": 1250.00,
    "paymentMethod": { "type": "BankTransfer", "code": "0130", "flow": "DIRECT" },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Luis",
      "lastname": "Ramírez",
      "document": { "type": "RFC", "id": "RARL900101XXX" },
      "bank": { "account": { "type": "C", "number": "012180000000000000" } }
    }
  }'

Recommended method mix

How riders pay and how drivers get paid, country by country

Tokenized cards and instant transfers on the rider side; bank and wallet rails on the driver side, paying in real time where the local rail supports it, weekends included.

  • Brazil

    Pay-in methods
    Pix (QR and Copia e Cola) · Pix-key virtual account per driver for commission settlement
    Payout rails
    Pix 24/7 · TED · wallets credited by bank transfer

  • Mexico

    Pay-in methods
    Tokenized cards with 3D Secure, pre-authorization and capture · CLABE virtual account (SPEI)
    Payout rails
    SPEI 24/7, no amount cap · wallets credited by bank transfer

  • Colombia

    Pay-in methods
    Cards with 3D Secure · PSE · Bre-B · Bre-B-key virtual account
    Payout rails
    Bre-B key 24/7 · TransfiYa · ACH · wallets credited by bank transfer

  • Argentina

    Pay-in methods
    Cards (Visa, Mastercard, Amex, Naranja, Cabal) · CVU virtual account · QR · Debin
    Payout rails
    COELSA transfers 24/7 · wallets (CVU)

  • 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 · CCI virtual account (PEN and USD) · QR
    Payout rails
    CCE real-time up to PEN 30,000 · direct wallet payouts (CCE) up to PEN 500, Yape up to PEN 3,000

  • Costa Rica

    Pay-in methods
    SINPE virtual account (CRC and USD)
    Payout rails
    SINPE Móvil 24/7 · SINPE bank transfer same day or T+1

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 rider’s fare to a driver’s account

One integration collects from riders, holds local balances, pays drivers and couriers around the clock and converts what is left to USD.

  1. 1

    RiderYour platform:

    Books a ride or an order

    The rider pays with a tokenized card (Argentina, Colombia, Mexico, Peru) or a local method such as Pix, SPEI or PSE chosen in your app.

  2. 2

    Your platformLocalpayment:

    Charge the rider

    POST /api/payin/ with your external ID. On cards, pre-authorize at pickup and capture the final fare at drop-off.

  3. 3

    LocalpaymentYour platform:

    Signed webhook

    Every status change arrives signed with HMAC-SHA256. The fare is credited to your local balance and matched to your trip ID.

  4. 4

    Your platformLocalpayment:

    Release earnings

    POST /api/payout/ per driver with a UUID external ID so a retry never pays twice, or upload a batch in the Business Portal with double-signature approval.

  5. 5

    LocalpaymentDriver or courier:

    Paid in seconds, 24/7

    Pix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil confirm in seconds. Direct wallet payouts are also available in Bolivia (same day), Costa Rica and Peru.

  6. 6

    LocalpaymentYour treasury:

    Local balance → USD

    Convert your commission within local market hours; lock the rate with a quote token when the amount is known.

  7. 7

    Your treasuryLocalpayment:

    Top up before peaks

    Fund payout balances by wire or with USDC / USDT (credited about 2–10 minutes after confirmation). Low-balance alerts warn you before a weekend run.

Cards are available in Argentina, Colombia, Mexico and Peru. Conversion happens within local market hours; the rate is locked with a quote token. Localpayment does not collect cash.

Market figures

Why real-time rails matter for on-demand platforms

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.

How fast do drivers receive their money?

On real-time rails — Pix in Brazil, SPEI in Mexico, COELSA in Argentina, TEF in Chile, CCE in Peru, Bre-B in Colombia and SINPE Móvil in Costa Rica — payouts confirm in seconds, 24/7. Other rails usually settle same day or next business day, depending on the country and cut-off times.

Can drivers be paid to 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.

How do you handle riders who pay in cash?

We do not collect cash. Instead, each driver can get a personal virtual account or pay by QR, so the commission they owe is settled by electronic transfer and matched automatically.

What happens if a payout fails?

Verify payout aliases and validate bank accounts before sending to avoid rejections. If a payout is returned, you receive the status by webhook, and returns and recalls are handled through the API.

Can we approve large payout batches before they go out?

Yes. Payouts can require authorization, and batches in the Business Portal support double-signature approval, so one person prepares and another approves.

How do we fund payouts?

Fund your account by wire transfer, or with USDC or USDT on Ethereum and Tron — stablecoin deposits are credited automatically, usually 2–10 minutes after confirmation. Low-balance alerts warn you before a balance runs out.

How do refunds and canceled trips work?

Card payments in Argentina, Colombia, Mexico and Peru can be pre-authorized and captured for the final fare, so a canceled trip is simply not captured. Refunds on pay-ins go back by the local rail, in local currency, and each one carries your external ID for reconciliation.

Keep exploring

Pay your fleet faster

Payouts in real time where the local rail supports it — through one API and one contract.

Contact salesTry it in the sandbox

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