FAQ

Most merchants can complete integration within 1-2 weeks, depending on their technical resources and the complexity of their implementation. Our well-documented APIs help accelerate the process.

Localpayment offers multiple integration options:

• API Integration: Full control over payment flows with our REST API
• Web Checkout: Redirect customers to our hosted payment page
• Smart Fields: Embed secure payment fields in your checkout

Choose based on your technical expertise, PCI DSS compliance requirements, and desired user experience.

Currently, we provide comprehensive REST APIs with detailed documentation and examples. While we don't offer official SDKs at this time, our well-structured APIs are designed for easy integration with any programming language.

Use our Stage environment with test credentials, which provides test card numbers, bank accounts, simulated webhooks, and complete testing documentation. We recommend thoroughly testing all payment methods and error scenarios before production deployment to ensure your integration handles all possible cases correctly.

Stage Environment:

• For testing and development only
• No real money processed
• Full API functionality
• Test data and simulated responses

Production Environment:

• Live payment processing
• Real financial transactions
• Higher security requirements
• SLA-backed performance

We support a comprehensive range of payment methods across Latin America:

Cards: Visa, Mastercard, American Express, and local card schemes Bank
Transfers: Debin (Argentina), PIX (Brazil) and more
Cash: Pago Fácil, RapiPago, OXXO, Baloto and more
Digital Wallets: Wallet Fri and more
Virtual Accounts: Dedicated account numbers for bank transfers

Available methods vary by country - check our country coverage documentation for specifics.

Localpayment handles currency conversion automatically:

• Accept payments in local currencies
• Settle in your preferred currency (USD, EUR, etc.)
• Competitive exchange rates with transparent pricing
• Real-time FX rates available via API

We currently support operations in:

• Argentina
• Bolivia
• Brazil
• Chile
• Colombia
• Costa Rica
• Guatemala
• Honduras
• Mexico
• Panama
• Paraguay
• Peru
• Dominican Republic

We're continuously expanding to new markets. Contact our sales team for upcoming country launches.

Processing speeds vary depending on the payment method used. Card payments typically authorize immediately, while bank transfers may take longer depending on the banking network. Cash-based payments require the customer to complete the voucher before the transaction is confirmed, and digital wallets usually process quickly. Settlement to your bank account follows the standard timelines established for each payment method.

Transaction limits vary based on your verification level, the payment method used, local country regulations, and ongoing risk assessments. You’ll receive default limits during onboarding, and you can request higher limits as your business grows. To view your current limits, check your dashboard or contact our support team.

To create a Localpayment account, you’ll first need to contact our team so we can evaluate your business and begin the onboarding process. We’ll guide you through each required step, including business verification, documentation submission, and compliance review. Once your onboarding is approved, we’ll activate your account and provide your API credentials so you can start integrating.

Our pricing is transparent and competitive: - Percentage fee: Based on transaction volume and payment method - Fixed fee: Per transaction charge

• FX margin: For currency conversion (if applicable) - No monthly fees for standard accounts Specific pricing is provided during onboarding based on your business model, volume, and countries. Contact sales for custom enterprise pricing.

Fund access options: - Automatic settlements: Daily, weekly, or monthly to your bank account - Manual withdrawals: Initiate payouts on demand - Local currency accounts: Hold funds in local currencies - Multi-currency settlements: Receive funds in USD, EUR, or other major currencies Configure your settlement preferences in the dashboard under "Account Settings".

The documentation required for onboarding varies depending on your business type, the payment methods you plan to use, the country you operate in, and any applicable regulatory obligations. Our compliance team will review your information and provide a tailored checklist during the onboarding process to ensure you meet all necessary requirements.

Webhooks provide real-time notifications for transaction events: Configure your webhook URL in the dashboard Select which events to receive (payins, payouts, etc.) Implement signature verification using your webhook secret Handle incoming POST requests with JSON payloads All webhooks are sent over HTTPS and include verification signatures for security. See our webhook documentation for complete implementation details.

Our API returns standardized error responses: - HTTP status codes (4xx for client errors, 5xx for server errors) - Detailed error codes and messages - Field-specific validation errors when applicable Implement proper error handling to display user-friendly messages and log errors for debugging. See our error handling guide for best practices.

Yes! We provide comprehensive Postman collections that include: - Pre-configured environments for Stage and Production - Example requests for all API endpoints - Test data for various scenarios - Authentication helpers Download our Postman collection from the documentation site.

Multiple ways to check transaction status: API: Use the transaction status endpoint with your external ID Dashboard: View real-time transaction reports Webhooks: Receive automatic status updates Reports: Download daily settlement reports We recommend using webhooks for real-time status tracking in your application.

Yes, Localpayment is Level 1 PCI DSS compliant - the highest level of certification in the payment industry. This means we maintain the most stringent security standards for handling payment data. When using our APIs or Web Checkout, you reduce your PCI DSS compliance scope significantly. Contact us for a compliance guide specific to your integration method.

We employ multiple security measures: - Data encryption in transit (TLS 1.2+) and at rest - Tokenization to replace sensitive data - Regular security audits and penetration testing - SOC 2 Type II compliance - Fraud detection and prevention systems Security is fundamental to our platform, and we continuously invest in protecting your data.

Our comprehensive fraud prevention includes: - 3D Secure: Additional authentication for card payments - Risk scoring: Machine learning-based fraud detection - Velocity checks: Monitor transaction patterns - IP geolocation: Detect suspicious location patterns.

Technical Support: [email protected]

Yes! We provide comprehensive integration support: - Dedicated technical account manager for customers - Integration reviews and best practices guidance - Code review assistance - Testing support and validation Contact our integration team to schedule a kickoff call and get dedicated support during your implementation.

Complete documentation available at: - API Reference: docs.localpayment.com/reference - Integration Guides: docs.localpayment.com/docs - Postman Collection: Download from documentation.

The legal account owner (the name registered in the banking system) varies by country. The following table outlines the specifics:

No. The ability to create virtual accounts for both local and foreign residents is consistent across Argentina, Brazil, Chile, Mexico, and Peru

Important distinction for Argentina: The legal owner (holder) of the virtual account differs based on the beneficiary's residency:

• For an Argentine beneficiary: The account is legally owned by the assigned beneficiary.

• For a foreign beneficiary: The account is legally owned by Localpayment's local entity.

Fees for the Virtual Account service can vary based on your commercial agreement, volume, and country. For detailed and up-to-date pricing information, please contact our Sales team.

These are two distinct account types serving different purposes in your payment flow:

• Your Internal Localpayment Account(s): This is your administrative and treasury master account. You can have multiple master accounts for different business units or regions. Created during onboarding, it is used to manage all your finances, configurations, reports, settings, and payout operations via the Dashboard. All funds collected through Virtual Accounts and other methods ultimately settle here for treasury management.

• A Virtual Account: This is a Payin product. It is an on-demand payment collection account that functions like a dedicated bank account number for receiving funds via electronic bank transfers. Its sole purpose is to route incoming customer payments.

No, this is not possible. Virtual Accounts are designed exclusively for receiving funds (payins). You cannot initiate transfers or send funds from one Virtual Account to another.

Once funds are received into a Virtual Account, they settle into your linked Internal Localpayment Account. You can then distribute these funds (even across different countries) using the appropriate payout or transfer services from your master account.