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)
Cash: Pago Fácil, RapiPago, OXXO, Baloto
Digital Wallets: Wallet Fri
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 times vary by payment method: Cards: Instant authorization, 1-2 business days for settlement Bank Transfers: 1-4 hours for real-time systems, up to 24 hours for traditional transfers Cash Payments: 2-6 hours after voucher payment Digital Wallets: Instant to 1 hour Settlement to your bank account typically occurs within 1-3 business days.

Transaction limits depend on: - Your account verification level - Payment method used - Country regulations - Risk assessment Default limits are provided during onboarding, and you can request increases as your business grows. Check your dashboard for current limits or contact our support team.

Account creation process: 1. Visit our website and click "Sign Up" 2. Complete the business verification form 3. Provide required documentation 4. Undergo compliance checks 5. Receive your API credentials The process typically takes 1-3 business days. We'll guide you through each step and notify you once your account is active.

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".

Required documents vary by business type and country: For Companies: * Certificate of incorporation * Tax identification documents * Proof of address

• Director/owner identification * For Individuals/Freelancers: * Government-issued ID * Proof of address * Tax documentation Our compliance team will provide a complete checklist during onboarding.

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 rate limits are: - Sandbox: 100 requests per minute - Production: Varies based on your plan (typically 60-1000 requests per minute) Rate limits are applied per API key. If you need higher limits, contact our support team to discuss your requirements.

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 or GitHub repository.

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 card 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 - Custom rules: Set your own risk parameters Access fraud reports and configure settings in your dashboard.

Technical Support: [email protected]

Yes! We provide comprehensive integration support: - Dedicated technical account manager for enterprise 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 - SDK Documentation: GitHub repositories - Postman Collection: Download from documentation All documentation includes interactive examples, code samples, and testing instructions.