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.
- Payouts that confirm in seconds
- Around the clock, weekends included
- Banks and wallets
Payouts that confirm in seconds- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }Delivering results for global businesses
Market figures
Why real-time rails matter for on-demand platforms
Public figures from official and industry sources. Each one links to its source.
54.7%
of payment transactions in Brazil are made with Pix
73.5M
people in Mexico made at least one SPEI transfer in a quarter
Source: Banco de México, Informe anual sobre las infraestructuras de los mercados financieros 2024
186M
interoperable wallet transactions per month in Peru (Yape, Plin, Bim)
Why Localpayment
Built for the rhythm of on-demand work
Earnings in the driver’s account in secondsReal-time
Weekly bank files and cut-off times make earnings feel slow, and drivers switch apps. Pay out per trip, per day or when a driver taps “cash out”: on Pix, SPEI, COELSA, TEF, CCE, Bre-B and SINPE Móvil, transfers confirm in seconds, 24/7, with every status by signed webhook and proof of payment for every transfer. Send earnings to Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru, or to wallets reachable by bank transfer.
Earnings in the driver’s account in seconds —Validate before you pay, approve before funds move
Every driver and courier banks differently, and wrong account details bounce payouts. Verify payout aliases and validate bank accounts before sending, handle returns through the same API, and upload weekly settlements or incentive bonuses in real time, 24/7.
Riders pay the way they prefer, cash included
Tokenize cards in Argentina, Colombia, Mexico and Peru for one-tap rides, pre-authorize an estimated fare and capture the final amount when the trip ends; riders without cards pay with Pix, PSE, Bre-B or QR. When a rider pays cash, the driver owes the platform its commission: give every driver a reusable personal virtual account (CVU, CLABE or Pix key), or send a QR or Pix payment request, so it is settled by transfer and matched to the right driver with a real-time webhook. Riders and drivers top up balance the same way.
Riders pay the way they prefer, cash included —One treasury, low-balance alerts
Keeping every payout balance funded across markets ties up liquidity and attention. Hold balances per country, convert collections within local market hours with a rate locked by a quote token, and fund payouts by wire or with USDC or USDT on Ethereum and Tron, credited about 2–10 minutes after confirmation, with alerts before a balance runs low.
One treasury, low-balance alerts —
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
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. 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 driver for commission settlement. Payout rails: Pix 24/7 · TED · wallets credited by bank transfer.
Brazil —Mexico
- mx
Payin 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.
Mexico —Colombia
- co
Payin 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.
Colombia —Argentina
- ar
Payin methods: Cards (Visa, Mastercard, Amex) · CVU virtual account · QR · Debin. Payout rails: COELSA transfers 24/7 · wallets (CVU).
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 · 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.
Peru —Costa Rica
- cr
Payin methods: SINPE virtual account (CRC and USD). Payout rails: SINPE Móvil 24/7 · SINPE bank transfer same day or T+1.
Costa Rica —
br
mx
co
ar
cl
pe
crMoney 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
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
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
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
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 in real time, 24/7.
- 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
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
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.
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
# 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" } }
}
}'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 payins go back by the local rail, in local currency, and each one carries your external ID for reconciliation.
Keep exploring
Payouts
Bank and wallet payouts on local rails, on real-time rails where available.
Payouts —Cards
Tokenization, pre-authorization and capture in Argentina, Colombia, Mexico and Peru.
Cards —FX & treasury
Multi-currency balances, rate lock and low-balance alerts.
FX & treasury —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 —
Pay your fleet faster
Payouts in real time where the local rail supports it — through one API and one contract.