SaaS & subscriptions
Bill customers in local currency. Keep renewals on track.
Collect card subscriptions in Colombia, Mexico and Peru, and recover failed charges with configurable retries.
- Card subscriptions in CO, MX & PE
- A virtual account per customer
- Settlement in USD
Card subscriptions in CO, MX & PEOverview
USD
1,284,560.00
+4.2%
BRL
3,420,118.40
+12.8%
MXN
8,905,332.10
+6.1%
- Pay-in · Pixorder_8F2K-1043+ R$ 1,250.00
- Payout · SPEIseller_0921− MX$ 18,400.00
- FX · BRL → USDfx_3b7q250,000.00 USD
- Pay-in · Bre-Border_9A1C-2210+ COP 890,000
The challenge
Where SaaS revenue leaks in Latin America — and how to plug it
What gets in the way
- Billing in USD on international cardsCustomers see cross-border fees and FX on every invoice, and some local cards are not enabled for international charges.
- Involuntary churnA card expires or is reissued, the renewal fails, and a happy customer quietly lapses.
- Invoices paid by transferEnterprise customers pay by bank transfer, and finance matches each deposit to an invoice by hand.
- Month-end in spreadsheetsCollections across markets and currencies make the close slow and error-prone.
How Localpayment solves it
- Local currency, local methodsCharge in local currency — cards in Argentina, Colombia, Mexico and Peru, Pix in Brazil, PSE in Colombia or bank transfer — and settle in USD.
- Subscriptions with retriesScheduled or on-demand card billing in Colombia, Mexico and Peru, with retry rules you configure.
- A virtual account per customerEach B2B customer pays into its own account number, so every transfer is matched to the right invoice.
- Reconciliation built inReports with XLS export, balance and reconciliation APIs, and a webhook for every status change.
Capabilities
Billing tools for recurring revenue
Card subscriptions
Create plans, attach tokenized cards and bill on a schedule or on demand in Colombia, Mexico and Peru.
Configurable retries
Set how many times and how often failed charges retry; exhausted retries return a clear status.
Virtual accounts for invoices
Issue a CLABE, CVU, CCI or Pix key per customer, including USD accounts in select markets.
Payment links
Send a link by email, SMS or social media for upgrades, add-ons or overdue invoices — no code required.
Reconciliation
Balance, activity and reconciliation APIs, plus Business Portal reports with XLS export.
Flows
Three ways SaaS customers pay
Self-serve plans, enterprise invoices and the month-end close — on one integration.
Self-serve plans on local cards
Customers subscribe with a local card. Each renewal is a standard pay-in with its own webhook, so your app knows at once whether to extend access or start dunning.
- Scheduled and on-demand billing models
- Retries with configurable repetitions and intervals
- Update or cancel subscriptions via API
- 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" } } }Enterprise invoices by transfer
Give each enterprise customer a dedicated virtual account. They pay invoices from their bank, and every transfer is attributed to them automatically — no references to type, no unmatched deposits.
- CLABE, CVU, CCI and Pix key accounts
- USD accounts in select markets
- A signed webhook for every deposit
Virtual 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
Close the month from one set of numbers
Every collection, fee, refund and conversion lands in the same reports. Pull balances and activity into your ERP by API, or export from the Business Portal.
- Balance, activity and reconciliation endpoints
- Transaction search with filters and pagination
- Webhook delivery log for audits
Daily reconciliation
Sep 29, 2026 · 🇧🇷 BRL
| Reference | Method | Net | Status |
|---|---|---|---|
| PI-8F2K1043 | Pix | 1,231.25 | Matched |
| PI-3B7Q0211 | Pix QR | 4,905.79 | Matched |
| PO-9A1C1189 | TED | 22,138.00 | Matched |
| PI-5D2E0042 | Pix | 876.65 | Matched |
| Totals · 4 items | 29,151.69 | 4 / 4 | |
Settlement batch stl_0929_BRL · 0 pending · 0 exceptions
Local pricing
Price locally, report globally
Show prices in local currency to win the customer, then settle to your USD account. When you need certainty, lock the conversion rate with a quote token.
- Collect in local currency, settle in USD
- Rate lock with a quote token
- Conversion within local market hours
- Multi-currency balances in one account
Total balance
USD 4,971,203.18
- USDUS Dollar1,284,560.00+4.2%
- BRLBrazilian Real3,420,118.40+12.8%
- MXNMexican Peso8,905,332.10+6.1%
- COPColombian Peso912,450,000+3.4%
- ARSArgentine Peso248,901,220.55+9.7%
Recommended method mix
Which methods to offer SaaS customers, country by country
Cards for self-serve plans where we acquire them; instant transfers and virtual accounts for invoices everywhere else.
Brazil
- Pay-in methods
- Pix (QR and Copia e Cola) · Pix-key virtual account per customer
- Payout rails
- Pix 24/7 · TED
Mexico
- Pay-in methods
- Cards with 3D Secure and subscriptions · CLABE virtual account (SPEI) · SPID USD account
- Payout rails
- SPEI 24/7
Colombia
- Pay-in methods
- Cards with subscriptions · PSE · Bre-B · Bre-B-key virtual account
- Payout rails
- Bre-B key 24/7 · TransfiYa · ACH
Argentina
- Pay-in methods
- Cards (Visa, Mastercard, Amex, Naranja, Cabal) · CVU virtual account · Debin · QR
- Payout rails
- COELSA transfers 24/7
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 and subscriptions · CCI virtual account (PEN and USD) · QR
- Payout rails
- CCE real-time up to PEN 30,000 · LBTR above
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 local invoice to a USD balance
One integration for self-serve renewals and enterprise invoices, with FX and settlement on the same platform.
- 1
CustomerYour SaaS:
Subscribes or receives an invoice
Self-serve plans on a tokenized local card; enterprise customers get a dedicated virtual account number.
- 2
Your SaaSLocalpayment:
Create the charge
POST /api/payin/ with your external ID. Price in USD or local currency; the customer pays in local currency.
- 3
CustomerLocalpayment:
Pays locally
Card charge with 3D Secure and retries, Pix, PSE, Bre-B, SPEI or a transfer to the customer’s virtual account.
- 4
LocalpaymentYour SaaS:
Signed webhook
Status changes arrive signed with HMAC-SHA256, so access is extended or dunning starts in real time.
- 5
LocalpaymentLocalpayment:
Local balance → USD
Convert within local market hours; lock the rate with a quote token when the amount is known.
- 6
LocalpaymentYour USD account:
Settle
Withdraw USD to your account, or hold multi-currency balances to pay local vendors and refunds.
- 7
LocalpaymentCustomer:
Refund or credit
Refunds and partner payouts go back by local rail, in local currency.
Card subscriptions are available in Colombia, Mexico and Peru. Conversion happens within local market hours; the rate is locked with a quote token.
Market figures
Why local billing matters in SaaS markets
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
82.4%
of financial operations in Colombia go through non-in-person channels
Source: Superintendencia Financiera de Colombia, Informe de operaciones, Q1 2025
Industry FAQ
Where is this solution available?
Coverage varies by product, payment method and market. Check Coverage & Network for the current details.
Can I charge subscriptions in local currency?
Yes. Card subscriptions are available in Colombia, Mexico and Peru, with scheduled or on-demand charges and configurable retries.
How do enterprise customers pay invoices?
By bank transfer to a dedicated virtual account (CLABE, CVU, CCI, TEF or Pix key). Each transfer is attributed to that customer automatically and you receive a signed webhook for every deposit.
Can I keep my prices in USD?
Yes. You can create a charge in USD and the customer pays the equivalent in local currency. Funds are settled to your Localpayment account, usually in USD.
What happens when a renewal fails?
The charge is retried according to the repetitions and interval you configure. If every retry fails, the subscription is canceled with a specific status so you can reach out to the customer.
How does reconciliation work?
Every transaction carries your own external ID. You get a signed webhook on each status change and can pull balance, activity and reconciliation data by API, or export reports from the Business Portal.
Can I collect in USD inside Latin America?
In select markets you can issue USD virtual accounts (SPID in Mexico, CCI USD in Peru, IBAN USD in Costa Rica) so customers pay in dollars locally.
How fast can we go live?
You receive Stage (sandbox) credentials at the start of the partnership and go live in weeks. New markets are enabled by configuration, with no reintegration.
Keep exploring
Recurring payments
Card subscriptions with configurable retries.
Recurring payments —Virtual accounts
A dedicated account number for every B2B customer.
Virtual accounts —Reporting & reconciliation
APIs, reports and webhooks for finance teams.
Reporting & reconciliation —Coverage
18 countries 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 —
Recover failed charges with configurable retries.
Local billing, invoice collection and reconciliation through one API — with Stage credentials from the start of the partnership.