Solutions · Payroll & global workforce
Pay your workforce locally, where the route is supported.
Send eligible employee or contractor payments through local bank and wallet destinations, and follow their status.
- Argentina’s payroll rail
- Wallet payouts
- Double-signature approvals
Argentina’s payroll railSeller payouts
Batch #2026-09-30-A
- BrazilPix · 486 payoutsR$ 412,380.00Paid
- MexicoSPEI · 302 payoutsMX$ 3,105,200.00Paid
- ArgentinaCBU / CVU · 214 payoutsARS 98,450,000Processing
- ColombiaACH · Bre-B · 128 payoutsCOP 1,240,500,000Processing
- ChileTEF · 74 payoutsCLP 186,320,000Queued
- PeruCCI · 44 payoutsS/ 312,400.00Queued
Delivering results for global businesses
Market figures
Where your workers already bank
Public figures from official and industry sources. Each one links to its source.
86.4%
of adults in Brazil hold a financial or mobile-money account
Source: World Bank, Global Findex Database 2025 (FX.OWN.TOTL.ZS), 2024
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
64.1%
of retail payment operations in Argentina are immediate payments
Why Localpayment
One payout stack for every kind of worker
Employees, contractors, freelancers and creators, paid in local currency on payday, from one balance and one integration.
Banks and wallets, over local rails
Local bank and wallet payouts on local rails: directly to Yape (Bolivia), SINPE Móvil (Costa Rica) and CCE wallets (Peru), or by transfer to the wallet’s CVU, CLABE or Pix key. Workers receive local currency in their own app.
Banks and wallets, over local rails —One USD balance, FX locked before you pay
Fund one balance by wire or with USDC/USDT, convert within local market hours and lock the rate with a quote token, so the net pay you promised is the net pay that lands.
One USD balance, FX locked before you pay —Paid on payday, Argentina included
COELSA, Pix, SPEI, Bre-B key, TEF and CCE confirm in seconds, 24/7. In Argentina, pay salaries over COELSA in real time or over the Sistema Nacional de Pago de Haberes (T+2, 13:00 cut-off); every cut-off is documented per method.
Paid on payday, Argentina included —The controls finance asks for
Batch uploads in the Business Portal, double-signature approval, account and alias validation, low-balance alerts and proof of payment for every payout, with MFA, roles, IP allow-listing and signed webhooks.
The controls finance asks for —
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
Recommended method mix
How to pay workers, country by country
Payin is how you fund the balance; the payout rail is what reaches each worker. Real-time rails are listed first. 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-key virtual account · Pix (QR and Copia e Cola). Payout rails: Pix 24/7 · TED (17:00 cut-off) · wallets by transfer.
Brazil —Mexico
- mx
Payin methods: CLABE virtual account (SPEI) · SPID USD account. Payout rails: SPEI 24/7 · wallets by transfer.
Mexico —Colombia
- co
Payin methods: Bre-B-key virtual account · PSE · Bre-B. Payout rails: Bre-B key 24/7 · TransfiYa · ACH (15:00 cut-off) · wallets by transfer.
Colombia —Argentina
- ar
Payin methods: CVU virtual account · Debin. Payout rails: COELSA transfers 24/7 · Payroll transfer (T+2, 13:00 cut-off) · wallets by CVU.
Argentina —Chile
- cl
Payin methods: TEF virtual account · ETPAY. Payout rails: TEF 24/7 up to CLP 7,000,000 · same-day above · wallets by transfer.
Chile —Peru
- pe
Payin methods: CCI virtual account (PEN and USD). Payout rails: CCE real-time up to PEN 30,000 · LBTR above · CCE wallets direct.
Peru —Costa Rica
- cr
Payin methods: SINPE IBAN virtual account (CRC and USD). Payout rails: SINPE Móvil direct 24/7 · SINPE bank transfer.
Costa Rica —
br
mx
co
ar
cl
pe
crMoney flow
From a USD treasury to a worker’s local account
Fund once, convert with a locked rate, pay a whole country in one batch and reconcile every line by webhook.
- 1
Your treasuryLocalpayment:
Fund the balance
Wire In from your bank, or USDC/USDT on Ethereum or Tron, credited about 2–10 minutes after confirmation.
- 2
LocalpaymentLocalpayment:
USD → local currency
Request a quote and lock the rate with its token; convert within local market hours for each payroll currency.
- 3
Your payroll platformLocalpayment:
Submit the batch
One POST /api/payout/ per worker with your own externalId, or a file upload in the Business Portal. Duplicates are rejected.
- 4
Your payroll platformLocalpayment:
Second signature
A different user approves the batch under double signature. Roles decide who prepares and who releases.
- 5
LocalpaymentWorker:
Local rail pays out
COELSA or payroll transfer, Pix, SPEI, Bre-B key, TEF, CCE, SINPE Móvil: local currency into the worker’s bank or wallet.
- 6
LocalpaymentYour payroll platform:
Signed webhook
Each status change arrives signed with HMAC-SHA256, from Received to Completed, with proof of payment to download.
- 7
WorkerLocalpayment:
Return or recall
A closed account or wrong identifier comes back as a return that credits your balance; fix the data and resend.
Argentina’s payroll transfer settles T+2 with a 13:00 local cut-off. FX conversion happens within local market hours; the rate is locked with a quote token. Localpayment moves the money; payroll calculation and employment compliance stay with you or your payroll provider.
For developers
Send a payout with one call
The same Create Payout endpoint covers every country and rail: change the payment method code, country and currency, and keep the rest of your integration.
- Duplicate protection with your own externalId (HTTP 409)
- Optional authorization step for double signature
- Sandbox scenarios to test payout statuses before going live
# 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": "payroll-2026-10-000118",
"paymentMethod": { "type": "BankTransfer", "code": "0011", "flow": "DIRECT" },
"country": "ARG",
"currency": "ARS",
"amount": 1250000.00,
"accountNumber": "<your-account-number>",
"conceptCode": "<purpose-code>",
"beneficiary": {
"type": "INDIVIDUAL",
"name": "Lucía",
"lastname": "Fernández",
"document": { "type": "CUIL", "id": "20-00000000-0" },
"bankAccount": { "type": "CBU", "number": "0000000000000000000000" }
}
}'Industry FAQ
Can I pay employees and contractors from the same account?
Yes. Payroll, contractor fees and supplier payments all leave from your Localpayment balance, and you tell them apart with your own IDs and purpose codes.
What is Argentina’s payroll rail?
The Sistema Nacional de Pago de Haberes is the local rail designed for salary payments in Argentina. Payouts over it settle T+2, with a 13:00 local cut-off. For same-day or weekend payments, COELSA transfers confirm in seconds, 24/7. Payouts accept CUIL, CUIT and DNI document types, and transfers to CVU wallets use the same bank-transfer flow.
Which wallets can I pay out to?
Directly to Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru, and by bank transfer to wallets in Argentina, Bolivia, Brazil, Chile, Colombia, El Salvador and Mexico.
How do I fund payroll?
By wire into your Localpayment account, or with USDC or USDT on Ethereum or Tron, credited automatically after confirmation. Convert to each local currency within local market hours and lock the rate with a quote token. Paying from USD accounts in several countries? With auto-sweeping, one USD Global account funds all of them and a daily sweep at 00:00 UTC settles each country.
Can I send a whole country’s payroll as one batch?
Yes. Upload a file in the Business Portal or send one POST /api/payout/ per worker with your own externalId. A second user approves the batch under double signature, and a request repeated with the same externalId is rejected instead of paid twice.
How do I know a payout arrived?
Every payout moves through clear statuses, from Received to Completed. You get an HMAC-SHA256-signed webhook for each change and can download the proof of payment.
What happens if an account is closed or the identifier is wrong?
The payout comes back as a return with its own status and the funds are credited to your balance. Correct the beneficiary data and resend; the worker is paid over the same local rail.
Do you calculate payroll or handle employment compliance?
No. Localpayment moves the money. Payroll calculations, withholdings and employment obligations stay with you or your payroll provider.
Can HR and EOR platforms use it?
Yes. Embed local payouts in your product and pay your clients’ workers through one API, subject to our compliance review.
Keep exploring
Payouts
Bank and wallet payouts over local rails, with approvals and proof of payment.
Payouts —Business Portal
Batch uploads, approvals, reports and roles in one web portal.
Business Portal —Global treasury account
Fund payroll in several countries from one USD Global account with auto-sweeping.
Global treasury account —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 team locally across Latin America
Tell us where your people are and how you pay them today. We will map the rails, wallets and approvals that fit.