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%
- Payin · Pixorder_8F2K-1043+ R$ 1,250.00
- Payout · SPEIseller_0921− MX$ 18,400.00
- FX · BRL → USDfx_3b7q250,000.00 USD
- Payin · Bre-Border_9A1C-2210+ COP 890,000
Delivering results for global businesses
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
Why Localpayment
Billing tools for recurring revenue
Local currency, local methods
Billing in USD on international cards adds cross-border fees and FX to every invoice, and some local cards are not enabled for international charges. Charge in local currency — cards in Argentina, Colombia, Mexico and Peru, Pix in Brazil, PSE in Colombia or bank transfer — or send a payment link by email, SMS or social media for upgrades, add-ons or overdue invoices, with no code.
Local currency, local methods —Renewals that recover themselves
A card expires or is reissued, the renewal fails, and a happy customer quietly lapses. Create plans, attach tokenized cards and bill on a schedule or on demand in Colombia, Mexico and Peru, with configurable retry repetitions and intervals. Each renewal has its own webhook, so your app knows at once whether to extend access or start dunning; subscriptions can be updated or canceled, and exhausted retries return a clear status.
Renewals that recover themselves —A virtual account per customer
Enterprise customers pay by bank transfer, and finance matches each deposit to an invoice by hand. Give each one a dedicated CLABE, CVU, CCI or Pix key account — including USD accounts in select markets — so every transfer is attributed automatically: no references to type, no unmatched deposits, and a signed webhook for every deposit.
A virtual account per customer —Price locally, close from one set of numbers
Show prices in local currency, settle to your USD account and keep multi-currency balances in one account; lock the conversion rate with a quote token, within local market hours. Every collection, fee, refund and conversion lands in the same reports — balance, activity and reconciliation APIs, transaction search with filters, a webhook delivery log for audits and Business Portal reports with XLS export.
Price locally, close from one set of numbers —
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
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. 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 customer. Payout rails: Pix 24/7 · TED.
Brazil —Mexico
- mx
Payin methods: Cards with 3D Secure and subscriptions · CLABE virtual account (SPEI) · SPID USD account. Payout rails: SPEI 24/7.
Mexico —Colombia
- co
Payin methods: Cards with subscriptions · PSE · Bre-B · Bre-B-key virtual account. Payout rails: Bre-B key 24/7 · TransfiYa · ACH.
Colombia —Argentina
- ar
Payin methods: Cards (Visa, Mastercard, Amex) · CVU virtual account · Debin · QR. Payout rails: COELSA transfers 24/7.
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 and subscriptions · CCI virtual account (PEN and USD) · QR. Payout rails: CCE real-time up to PEN 30,000 · LBTR above.
Peru —
br
mx
co
ar
cl
peMoney 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.
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
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 —
Recover failed charges with configurable retries.
Local billing, invoice collection and reconciliation through one API — with Stage credentials from the start of the partnership.